Buying a house is a big financial decision that shouldn’t be taken lightly. You have to go through repetitive processes from filing to signing before you can call your place your own home. Hence, make your purchase worth it and avoid getting ripped off.

This is a checklist of the things that you need to make sure before buying your property.

For your dream home to come true, you need a huge sum of money to pay for all your expenses. Getting a mortgage deal is the best way to finance your home – but it may come off as the worst option if you get a mortgage that you can’t pay.

Be sure not to max out your mortgage to your current financial status. Make certain adjustments as you don’t know what the future holds when it comes to your money.

It’s exciting to sign your contract when you finally have it before your eyes. The thrill may result in a bad decision, however, if you don’t read every single detail of your contract – especially the fine print!

Aside from this, you also need to recheck the details of your legal name, address of your new home, and other relevant details before signing.

Once that you have the contract sorted out, register your home under your name. Ahead of time, find out the requirements of concerned governing agencies like Registry of Deeds, City Hall, Bureau of Internal Revenue, and other relevant departments.

After sorting this out too, file all the necessary documents on your end so you have proof of the legality of your home.

Before you call your home your own, get a hold of the Certificate Title. This will certify that your home is legally yours – so make sure to keep it filed in the best condition as possible. Hence, whenever a situation may arise, you have proof to present.

Ensure that your Certificate Title is a true certified copy with all your legal details correctly indicated in the document.

If you’re looking to buy a home easily at affordable prices, secure a home now with BellaVita. They’re built with quality materials and are located where businesses and developments are emerging fast!

For more information about the location of their homes and their pricing, visit BellaVita website or Facebook page.

These days most of our income becomes inactive and yet our cost of living in most areas is increasing every day and we can't slow it stop it or least slow it down. When we are at a point in our life or in a condition that we suffer we realize many things such as knowing that it's hard when you don't have cash when there's an emergency or unexpected situations that you need money.

Talking about financial stability, most of us aren't sure if they are financially stable. Being financially stable gives us peace of mind, especially parents like me, I know that my kids are secured and if there's anything they need or happens I can provide for them. It's hard when you are in a financial crisis, anybody wouldn't want to be in that kind of situation but sometimes we can't avoid it, it just really happens to anyone. Let's just pray and save for our tomorrow. 

Here are some personal tips on how you can start saving today.

No to impulsive buying

This is my number one tip, avoid buying things that you don't need. When there are on-going markdown prices in stores, ask your self first do you really need to buy that particular thing? Always make a list when shopping. Keep in mind, needs before wants.

Everyday Budget

If you are working in an office it's best if you bring your own food, you can save by doing this, it saves you from eating in fast-food chains. I recommend using tools such as budget planner where you calculate your every day, weekly or monthly expenses that suit needs and budget. See the image below for a sample.

Be smart in spending your hard-earned money, start saving your money today.

People who sleep well often take it for granted. Consistently getting a good amount of quality sleep is one of the best things for our overall health. Research has shown that approximately 70 people suffer from some form of sleep disorder. So if you’re struggling to get your quota of sleep every night, you’re in good company. 

A bad night’s sleep can knock you off your game the next day but not many people realize how much sleep affects their overall health. 

Insomnia can be caused by all manner of things such as stress, sleep apnea, restless leg syndrome, alcohol, and stimulants. 

Creating The Right Conditions For Sleeping Well

A good nighttime routine and a bedroom free of distractions are all important for sleeping well. Some people swear by drinking warm milk or taking a supplement such as melatonin or CBD oil, to learn more about its potential benefits. White noise machines are also becoming more popular too. 

Try and keep your bedroom for sleep, rather than keeping it piled high with clutter, or watching TV. Your bedroom should be a place where you can relax.

Lately, I've been eyeing to buy a gadget for my son and myself and of course, I must buy it online and I am not the person that buys gadget online though I buy clothes online and other stuff but haven't tried gadget maybe because I am too worried, what if I receive the item damaged or it's not the same I ordered that being delivered and so many things.

Photo by Lovefreund

With the things happening in the world, technology is fast and we must ready for the adjustment in our lifestyle, we must be ready and wise. Here in this post, I'll be sharing some things to remember when purchasing online especially electronics. Don't befall into scammer always be smart.

Some things to remember when purchasing online