By Peter Cerexhe
All of us are looking to personal our own residence. yet nobody desires to store endlessly. no matter if you wish $10 000 or $50 000 for that deposit, the trick is to maintain the time it takes you to get that cash jointly brief so your motivation to maintain saving will stay powerful. in just 104 weeks, Peter Cerexhe will express you the way you could in achieving your aim by:- creating a plan - getting ready the cheap - following the six rules of saving for a house - determining the place your rate reductions may still visit maximise pursuits funds - making plans to hide all of the expenditures you face whilst paying for a house. besides plenty of suggestions and suggestion from an individual who is familiar with, the house deposit worksheet planner even enables you to customize your targets to fit how you reside your existence now. your house . . . has a pleasant ring to it, does not it?
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Additional resources for Only 104 Weeks to Your Home Deposit
Sample text
You can’t just pay for a meal or a new dress and add the expense to your personal loan. If you need to buy something expensive and know now that you won’t be able to pay it off quickly, you should consider getting a personal loan to cover the situation. A car loan is a good example. indd 29 3/7/07 11:51:08 AM 30 104 WEEKS TO YOUR HOME DEPOSIT to attend a family wedding or funeral might be better handled with a personal loan than a credit card. 4. CONSIDER CONSOLIDATING YOUR DEBT Debt consolidation is a budgeting trick we should all be aware of.
When you gather your money together it becomes powerful and can be life-changing. It’s a simple truth that savings breed other savings. Before you start the process of working towards a home deposit, it’s a good idea to put together the largest lump of capital you can. Whereas the savings process described in this book is otherwise all about ongoing effort—either to make more money or to hang on to what you are making—a little bit of capital up front will kick-start your efforts. It’s time for the garage sale of your life.
Term: you can sell at any time (provided there is a buyer), but you should be prepared to leave your money in the shares for up to five years in order to ride out any low periods. Of course, some companies will go broke and the shares will be worth nothing. Examples: Commonwealth Bank, CSR, BHP Billiton, Telstra, PBL. MANAGED FUNDS OR UNIT TRUSTS There are many purposes for which investors might usefully pool their money—to buy a wide range of shares (Australian or overseas), to buy shopping centres or office blocks, to buy government bonds and other expensive securities, and so on.