Friday, April 29, 2022

How I Computer Property Loans and Payments Online

For two years, we were stuck at home, afraid to go outside because of the possibility of bringing home the Coronavirus to our kids. This pandemic made us pause a lot of things that we used to do. We can say that it seems like those years have been taken away from our children's childhood. 

I don't want to wait for the pandemic to end and just notice that my kids were grown up already. Finding a home in the suburbs is an idea that has been playing on my mind.  I also recently read an article from Wall Street Journal, which states that those less popular places where there are strong local economies are more ideal now for investment. The article is for the UK market, but it's very relatable to what's happening in the Philippines. The first place that came to my mind was Nuvali in Sta. Rosa, Laguna as it gives the provincial life feels with all the nature surrounding the area, but with a little feel of the city with all the businesses and establishments, you can find there. 

That got me thinking of the money we have to allot for a property in that location. Are we ready to own a house and lot there already? It's hard to admit, but I'm not familiar with calculating my payments and loans. It's a good thing that I've discovered this site,, to help me do all those computations. It's a UK-based website, but the math is just the same so I was still able to use it to compute the payments for my targeted properties. What's very helpful about it is that it also has estimating affordability and loan overpayments too. I'm very mindful of each aspect of where my money goes, so these added features are a blessing for me.

With the results that I got from that online calculator, my husband and I saw how feasible that dream place for our family is. We were also able to talk about the factors that we need to address in order to afford it. We're the type of people who need to know the computations and numbers already before talking to a real estate broker and bank personnel.

This is already a great start in making a big move as a family. As long as we're mindful of where we are investing our money, we are one step closer to achieving our dreams.

Friday, March 11, 2022

4 Ways To Reach Your Financial Goals

I've always dreamed of retiring at the age of 45 so that I could spend the rest of my life travelling and doing all the things that makes me happy. I don't plan to work my entire life and I prefer to be assured that my kids won't have the burden of taking care of me when I get old and grumpy. That means that I should have my own house and money to spend for my needs. This is the first way to reach your financial goal which is "Know your why's".

"Know Your Why's" 

It means you should know your reason why you're doing this. You should have goals to keep you determined and enjoy the process. Write them down and visualize your dreams so you could imagine how gratified you would feel once you get them. Be inspired and have the courage to do it. 

Study your budget very well and get out of your debts immediately!

You have to be aware of your expenses so you could manage your monthly income very well. Cut back on the non-essentials. This includes your monthly subscriptions which you're not using anymore. You should also have no debts at all because it will only slow you down. Credit card loans is the main reason why people are stuck to where they are financially. Do you have current loans that you need to strategize so you could finally finish it without hurting your plans to reach your financial goals too much? Click here to learn more.

Star a side hustle.

If you're an employee, it would be best to find other sources of income so you could achieve your goals faster. Diversify your portfolio which means determining what other skills you focus on and be good at. Once you've accumulated that,  you could offer your new services to others during your free time. There are a lot of freelancing websites you could join to find clients needing your services. In this way, you could add more to your savings or even spend an extra to the things that you want without affecting your budget. Since technology is so advanced already, the options are endless if you just know where to look. Equip yourself with knowledge and skills and you'll be amazed by many opportunities will come your way. You could get more ideas about what other gigs you could do here

Save and Invest.

Have a "get wealthy" mindset. As soon as you receive your salary, you should pay yourself first. That means that you have to allocate 10-20% of your income to your savings. You shouldn't touch that money. Build an emergency fund aside from that so you won't affect your savings when something unexpected happens. Budget the rest for your expenses and determine how you could leverage your extra money which you could dedicate to invest regularly. That is the money which you could leave and not care anymore while it's earning for you. There are a lot of resources online, but this is where I get most of my ideas here.

Wednesday, February 16, 2022

How to Find the Florida Beach House of Your Dreams

Beach homes have been a hot topic in recent years as many people are seeking out areas that will allow them to spend more time outside.

Whether you're from Florida and want to move to the outer edges of your state, or you're up north looking for a warm place to vacation, these are the top things to consider when seeking out the Florida beach home of your dreams.

Consider What Entertainment You Want to Be Near

Florida is an entertainment capital in the USA, so what do you find entertaining? Do you want to live within a couple of hours of Disney, or are you more interested in clubbing and partying? Is golf what gets you excited to start your day?

Plan your move so that you get to be close to whatever entertainment makes you happiest so that you enjoy this as much as you want the beach views.

Look At Your Budget

Your budget is important! Every portion of the state is pricey compared to states like Tennessee or Kentucky, but you can still find affordable options if you seek them out. 

The smaller your budget is, the further up and inland you'll have to start house hunting. Look at every property's history for flooding, fire, or other issues that could quickly turn a deal sour.

Think About Hurricane Paths

Unfortunately, hurricanes are something you'll have to consider when you move carefully. Not only because you'll need to know if your home is set to be hit every year: but also so that you know how to flee if you have to evacuate. Florida gets hit with more hurricanes than any other state, so you must plan accordingly. 

The most hurricane-hit area is Northwest Florida, taking the hurricanes that form on the warm water of the Gulf Coast. So although you can still seek out houses in the Northwest portion of Florida, it's better if your beach home is in the northeast portion of Florida, which gets hit by almost 66% fewer hurricanes every year.

Consider Your Style

Your style matters! When you're looking at Fort Lauderdale houses for sale, you want to seek a home that you can fall in love with, not just one that seems nice and well built. Of course, you should wish for a sturdy house, but you should also consider which property makes you happiest. If you're not able to spot this, it might be time to look in a different area.

Remember, It's an Investment.

Regardless of where you buy your property in Florida, it's bound to gain value over time. Where it's based, how large it is, and how prone it is to flooding and storm damage will all decide how that value moves over time. Seek a property you can see yourself growing with.

Your Florida Beach Home Should be Paradise

When we pick a beach home, it's often either a vacation property or a retirement destination: so it should be a place that makes you feel like you're in heaven. From gorgeous surroundings to fantastic architecture, pick a property that speaks to you.

I specialize in wedding make-up (Traditional or Airbrush makeup) . I also provide hair and make-up services for photoshoots, events, special occasions and ads. I was trained at HD Makeup Studio and Academy (formerly Basement Academy) for makeup and hairstyling by some of the best makeup artists in the Philippines.

I love to blog about my make-up, beauty, parenting, and other personal adventures in this site.

To see pictures of some my makeup gigs please visit My Makeup Portfolio website

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