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Budget

Common Reasons Why People Opt for Equity Release

November 8, 2018

Equity release, as in any other type of loan, comes with a risk. You are borrowing an amount of money tied to the value of your property. When you die, and someone buys the property, the people you leave behind will only get a small amount of the property’s value, depending on how much you borrowed when you were alive. Therefore, you need to think twice before you decide to take out this loan.

On a positive note, even if you opt for equity release, you can stay in your property until you die. You also don’t need to pay rent.

Some people would caution you on how to spend the amount you borrowed. However, it is your property, and you worked hard for it. You can use the money in whatever way you think would be beneficial for you.

Home improvement

It is one of the most famous reasons for borrowing money through equity release. It is a smart move because home improvement increases the value of your property. Therefore, when the time comes that the property is up for sale, you can expect your estate to get the right amount of money from it. Even if the company where you borrowed the cash from deducts their share from the sale, the amount will still be high. Besides, you are staying in your property until you die. You will still enjoy whatever changes you decided to make.

Go on a holiday

Some people think it is unwise to borrow money to go on a holiday. However, at your age, you need to enjoy whatever you worked hard for in the past. You might also be suffering from illnesses, and you only have a few years to enjoy your money. Once you hit a certain age, and your illness worsens, you might be unable to travel anymore. While you can, you need to enjoy your life.

Pay Debts

Although equity release is technically a loan, you need not pay the amount immediately. You can even opt not to pay anything back until you die. The only downside is that it could increase the interest due, and the sale of the property will go almost exclusively to the equity release company. Despite that, you are not leaving behind a tremendous amount of debt for your family to pay. You don’t want them to have to think about how to pay off loans when you are dead. It is a smart move to choose equity release to pay off all other loans that you have. You can even clear the outstanding mortgage you have using this loan.

Consult an expert

A lot of people have benefitted from equity release. It comes with a risk, but you can get the amount you need if you take this loan. To help you out, consult an expert. Ask for advice on how to apply, and how much you can borrow. Once you are ready, check out http://www.55plusequityrelease.com for more information on equity release. They are experts in this type of loan, and they will help you make up your mind.

Image: Pixabay.com

If you would like to learn more about the Vanilla Mist Blog, please feel free to contact me.

Filed Under: Budget

5 Fun Dinner Dates On a Budget

August 11, 2018

Contrary to popular belief you don’t have to spend a small fortune in order to enjoy a romantic dinner date with someone special. If you’re interested in planning dinner dates on a budget continue reading in order to discover 5 fun dinner date ideas on a budget.

5 Fun dinner dates on a budget:

1. Outdoor fondue date for two

If you love trying new things, why not purchase an inexpensive fondue set, which you’ll be able to use to create cheese fondue for two. Which you can enjoy in your backyard or on a table which you’ve carefully placed on your deck or porch.

Alternatively, you can also use your new fondue set to create mouth-watering chocolate fondue for dessert. After all, what’s more romantic than feeding chocolate coated strawberries to your beau?

2. High tea themed picnic

If you want to enjoy a romantic picnic, which is a little out of the ordinary why not organize a high tea themed picnic? Simply pack a variety of homemade finger foods, mini sandwiches, savories and mini desserts such as cupcakes and enjoy a high tea themed picnic at a scenic park. Just be sure to dress smartly for the occasion and to impress your date.

3. Food truck date

If you want to get out of your house for your next date and are on a strict budget, why not purchase an inexpensive yet flavorful, filling meal from a food truck. You may even be interested in driving to a scenic spot, where you’ll be able to enjoy a far better view than you’d get at an expensive restaurant. Examples of some of the types of food which you’ll be able to purchase from a food truck include tacos, gourmet burgers, and seafood.

4. Festival or fair date

It’s well worth checking your city’s upcoming events calendar to see whether or not there are any fairs or festivals coming up. As most fairs and festivals sell a wide selection of tasty yet affordable meals, which you’ll be able to enjoy on a romantic date for two.

As an example, if you visit a local school fair for a cute romantic date, you should be able to find a wide choice of ethnic cuisines such as Indian, Thai and Italian at an affordable price. As an added bonus, the money raised from food sold at a school fair normally goes straight back to the school.

5. Two for one date

It’s well worth checking the specials board outside some of your favorite local restaurants as it’s not unusual for restaurants to offer two for one specials on select nights of the week. As an example, a local Italian restaurant in your area may offer two for one pizza deals on Tuesday nights.

So if you prefer going out for dinner, rather than cooking at home, when it comes to your date nights, it’s well worth finding out whether any of your favorite local restaurants offer two for deals.

So if you’d love to plan more frequent dinner dates on a budget, it’s well worth trying out all 5 of the inexpensive dinner dates listed above!

Filed Under: Budget, LifeStyle

Money Saving Tips to Incorporate Into Your Life

August 11, 2018

If you’re looking for simple ways to slash your monthly expenditure in half, simply continue reading to discover 6 effective money saving tips to use on a daily basis.

6 Money Saving Tips to Incorporate Into Your Life:

1. Wait to purchase all of your clothes until your favorite stores offer sizeable sales

If you’d love to be able to dress in your favorite brands without having to pay a small fortune it’s well worth putting off purchasing new clothes until your favorite stores hold an annual sale. As an example, most stores offer great sales on Black Friday and Memorial Day.

If you know that a massive sale is due to take place within the next few weeks, it’s well worth trying on any items which you’re interested in purchasing, so that when your chosen store begins their annual sale, you’ll be able to purchase items which you’re interested in straight away. As sizes may sell out fast.

Better yet, if you’ve tried on items which have caught your eye in advance of a sale, you should be able to purchase the items which you liked online.

2. Sign up to receive email notifications from your favorite online stores

In order to stay up to date with your favorite store’s sales, it’s well worth signing up for emails from your favorite brands as you’ll normally be notified of upcoming sales before they start.

Better yet, you may even find that your favorite stores may begin sending you exclusive coupons, which you’ll be able to use to make your online shopping hauls a little cheaper!

3. Consider sharing a meal, with a friend or loved one when you dine out

It’s well worth dining out at cafes and restaurants which serve generous portions for a reasonable price as that way you’ll be able to save money by sharing a meal with a friend or family member when you dine out.

4. Order off the children’s menu, if you’re not feeling particularly hungry

Another way to save money when you choose to dine out is to order an inexpensive menu off the children’s menu at a cafe or restaurant when you’re not feeling particularly hungry. As children’s meals offer great value for money and are usually a lot larger than you’d expect.

5. Find cost-free ways of socializing with your loved ones

If you normally spend a small fortune, on alcohol, food, and movies, when you arrange to catch up with your family members and friends, it’s well worth searching for cost-free activities and attractions to bond over instead of meeting at a bar or cafe. As examples, you may want to go for walks with a friend who lives locally or to visit an art gallery or museum with a friend.

In the warm summer months, you should also have no trouble finding free festivals, outdoor movies, and concerts to attend with your friends and family members.

6. Sign up for as many loyalty programs as you can

If you want to be able to receive free goods, by shopping at your favorite stores, it’s well worth taking the effort to sign up for as many loyalty programs as you can. In order to reap a wide variety of rewards.

So if you’re looking to increase your savings, it’s well worth following all 6 of the effective money saving tips listed above.

Filed Under: Budget

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About

I started Vanilla Mist as a hobby and to be completely honest with you, I really had no idea what I was doing at the time. I just wanted to share my creations with others and inspire people.

Latest Post

  • 3 Tips For Staying In Communication With Your Elderly Loved Ones
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