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| My husband and I are under contract on a purchasing a house *(we have agreed on a price, we have had an inspection done), we are just waiting on a closing date which is set for November 14. However, ... |
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| I sent a letter to my landlord the other day asking for a copy of a mortgage statement. I live in Sacramento where there are a good amount of foreclosures. We know someone who was renting and ... |
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 Are landlords responsible for an evicted renter's delinquent nipsco(light and gas) bill? |
| My husband and I are trying to rent out our property in Gary, Indiana after evicting the renter for non-payment of rent. When we went to the electric company to get the lights and gas turned on, we ... |
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| I heard that there are better bargains during winter and summer in terms of buying a house, but between winter and summer, which is better?... |
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| I was just approved for a loan of 6.3% 30 year fix loan. Is this good or should I wait until I can get a lower ... |
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| there that will help us with a home loan with poor credit? I need to move out by Febuary or March. And I already have a house we want to buy from a private owner. But, the owner can't help us ... |
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 Why bail out those in foreclosure? |
| Congress is trying to pass a bill that would essentially bail out a great deal of people... but is it fair to all those people who did manage to make their payments and struggle through it? Why ... |
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 Real estate - We are selling our home, had it on the market last summer - lots of interest... now none.? |
| We took it off the market for the fall and winter. So, last spring and summer there was alot of interest, showings about 2 a week and very positive feedback. We are in a time crunch and want to ... |
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 I want to be a real estate agent, and eventually a broker. everyone says college isn't necessary, but...? |
| Would it be beneficial to me to get a 2-year degree in Marketing to learn some business skills? please tell me anything else you think would be beneficial to help me be a successful real estate ... |
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 Advice on selecting Real Estate Agent...? |
| I've been told always choose Real estate agents who are GRI & CRS certified. I've been looking and recently chatted online with an agent who has only been an agent for 3 years. Should ... |
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 When is the best time to refinance your home? |
| I live in a condo, and we have a 100% mortgage. We have to pay mortgage insurance because it is not under 80%. So now our home is worth 170,000 and we paid 140000 for it, and we bought it in ... |
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 What exactly does "owner financing" mean? |
| The owner of a home is motivated to sell, so in the brochure it is listed ....... Motivated seller is willing to offer owner financing. How does that work?... |
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simplyme | I want to save money to buy a house in the future lets say 4yrs. maybe? Any suggestion to save overtime.? |
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the old dog
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You mean over time? Because what I read was 'overtime'.
Well two things, one take ten percent of your gross earnings every payday and bank it!
Next if you do work overtime at your job? Don't do any more than ten hours a week. Anything earned after that is taken up in taxes and with that my friend you're just working to put money in the governments coffers.
If you do work overtime to save money then do it wisely, keep the hours at ten a week and no more. Put all the earnings made in overtime in the bank with your ten percent. Bank your savings at ING banks. Interest is good there, and save for a five year plan, not four.
Other ideas are;;;;;;;;;;; forget about luxuries, don't eat out, don't bother with the movies, brown bag it to work, find cheap alternatives to travel if you currently own a car. Get rid of your credit cards except the one you use the most. Pay the credit charges at the end of every month so that you have a clean bill with nothing on it. Use credit only when a emergency crops up. Give up cigarettes if you're smoking. Read good books for entertainment and don't pay anymore for cable than you have to.
Just some ideas.
Be prepared for a lot of maintenance costs when you do get your house! |
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truth
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Very likely in 4 yrs house prices will be much more than now. All that you can do is try to save by cutting down on your spending, and do not buy useless unneeded items, and do not go out much either. Put your saving into a situation to earn more for you. |
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tennisguy
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4 years is a long period, so cutting down on costly daily HABITS will save you money.
Like...if you drink coffee everyday, make it once a week or something. Like...starbucks coffee...if it costs 5 bucks a cup, and you times that by 365, and times that by 4, you save....
7300 dollars? That's a lot of money...or maybe Google's calculator is messed up.
And of course you can't just drop such a habit like that...but just saying, look for habits that cost some money, and do them less frequently. You'll be surprised at how much money you can save by not spending over a long period of time.
Also, try to car pull, to help the environment and save on gas, or ride your bike to more places. also better for your body.
alos, don't buy new clothes if you don't need them, and let people know your saving up for a house, so when holidays or your birthday comes around, you'll might have higher chances of getting money that you can save, if you want. |
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Dirt broke
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work overtime at work. get another job. put your money into CD's or stocks. find the best interest rates out there for saving money. ask a lender(bank) or realtor how to go about it. |
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nelson s
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First you must create a plan on how much you will need for you deposit for your house. Because has you know inflation and house prices going up all the time will reduce the amount of money you save.If you can afford to put away $500dollars a month away in 5years you will have around $30,000 dollars saved if you have a .save as you earn plan at work and the share price is good this is also a good option to look at because you get it around 30% below market value and it is tax free saving l hope this is helpful if you would like to look at my positive thinking site it covers goal setting and planning and good books to read on the subject http://wwwpositive-affirmations.blogspot.com a few good books are the richest man in babaylon by george s claison
and mary buffett in buffetology great book on investment |
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Unblest_Anubis
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do what my friend does. every paycheck he only takes out enough for bills and maybe 100 dollars for a week or two so he isn't able to buy more. he carries 1 credit card which he doesn't use and only carries cash. |
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wilrycar
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I saw a news story about a man who saved all of his change, every day for years and years. after 11 years he bought a new truck. I guess the trick is to only use cash, never a card for purchases. |
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Chaz Vegas
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Don't spend. |
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Ron Berue
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I looked at many of the other answers. It seems no one seems to want to answer your Q..
You have to discipline yourself to save money.
Put 10% of your gross pay in a savings and loan account or federal credit union account.
Do this for 2 reasons:
1] Therse institutions tend to pay a higher rate of interest AND
2] When its time to buy your first home, fees and mortgage rates are usually less expensive.
Thanks for asking your Q! I enjoyed answering it!
VTY,
Ron Berue
Yes, that is my real last name! |
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