Smart Spending Spot

Moving homes in 2013, or any year for that matter, is an expensive transition. However, 2013 is perhaps the most expensive date to move, as the global economy continues to transform, and, much like a roller coaster, inflation is rising and falling on an almost daily basis. It is possible, however, to keep costs of moving homes down, and this is how.

Making sure you are aware of the different factors that are involved in moving home is absolutely critical for maintaining your bank account in the black. Forgetting even the simplest of things, such as storage costs, are enough to put yourself in debt, and subsequent issues later on in life, which will lead to complications in mortgages, and possibly prevent you from obtaining one.

To help you understand just some of the most commonly forgotten costs, we shall list them and hopefully, when the time comes for you to move home, a piece of this article will remind you to triple check your estimated expenses. [Read more…]

Many people who are in debt try to deal with their debt and pay it off by themselves. However, it often happens that if you’ve managed to get behind with payments on credit and store cards and spent up to your overdraft limits already, then even though you might be really motivated to deal with your debt, the reality of managing it is sometimes overwhelming.

It’s at this point that people decide to get some professional assistance, and the first step is to have a consultation with a debt management company. Depending on how much you owe, the first course of action they may offer is usually a debt management plan – otherwise known as a DMP.

[Read more…]