How to Save Money in Property Investment


That title kind of sounds oxy – moronish, right? How can you save at the same time that you are investing? Actually, it can be done quite easily by working to lower your fixed costs. As the home owner you are paying for the utilities so that you can increase the profits from renting it. You can save money on the utilities and energy bills by having the latest in technology installed and finding a power provider like Enmax which exists in free electiricty markets, where you may not even be paying the lowest price for the same product, electrcitiy.


You might not know this, but your thermostat is responsible for a full half of your utility bill. This is more than all of your electronics and all of your appliances. For this reason, you need one that will assist you with saving energy. Enter the Nest thermostat. It does help you save energy. It is a type of technology that ‘learns’. It learns the temperature that you prefer and then builds that into a schedule right around your schedule. Just since 2011, this thermostat is responsible for saving more than 8 BILLION kWh when it comes to energy and this is throughout homes across the globe. Furthermore, there have been independent studies done that show that with this thermostat, you can save up to 12% on your heating bills and up to 15% on your cooling bills. That means that in less than 2 years, it will have paid for itself. Now, don’t you think that tech like this, that can save you money, is worth investing in?


There are many reasons that people invest in property and one of those reasons is for the tax deductions. One thing that might qualify for a tax deduction when it comes to property investments is the money that you are paying for interest on your loans. For example, if you mortgaged your home to get the money to invest in a rental property, you will be able to claim the interest paid on that mortgage as a tax deduction.

Saving property

Positive Flow of Cash

When talking about investing in real estate, there are a couple of ways to save money – the cash flow that is before taxes and the one after taxes. The before tax cash flow is when the money brought in is more than your expenses. The after tax cash flow is when the expenses are more than what you bring in, but because of the tax breaks, you are still in the black. Whichever way this goes for you, if you properly budget for your real estate investment, you will be able to both save money and turn a profit.

Start Out as an Owner – Occupant

If you live in the property that you buy for a minimum of a year, you will be able to make a down payment that is smaller. This is particularly true with VA or HUD approved properties. Once you have been in the house for a year, find another house to purchase and move into the new house and then rent out the original house. Do this as often as you like.

If you are able to follow a few of these tips, you will be able to save money. You might break even when it comes to the expenses and if you keep up with the repairs on the property, you should even be able to turn a profit and the property could gain in value over time. Be prepared for the landlord responsibilities though, and you should also be able to withstand a month or two of the property being vacant and still be able to stay afloat.

Don’t Let Destroy You: Getting A Handle On Spending


Debt and financial worries are among the most common causes of sleepless nights, anxiety, and depression. If you have money problems, it’s time to tackle them and move on. Don’t let debt destroy you. Here are some useful tips to help you get back on track if you’ve fallen behind with payments or you owe money.


Coming to terms with the situation

You may be in debt because you’ve been burying your head in the sand and you have no idea what’s going on in your accounts. This first step can be daunting. But you need to take it. Check all your balances, and open all those bills and statements. You need to work out exactly how much you owe, and who you need to pay. Once you have a figure in mind, you can start working out the best ways to move forward.

Getting a handle on spending

The more you spend, the greater your debt will become. If you’re already in the red, take action now. If you’ve got payments to cover, they should be your priority. If you’ve got money left over after you’ve paid bills, don’t squander it on clothes or socializing. You need to start paying off existing debts as quickly as possible. If you’ve got a credit card, for example, set up a direct debit payment to clear some of your debt each month. If you owe friends and family, ask for their details, and transfer money online.

If the situation is more serious, and companies are chasing you for money, it’ essential to seek help. If you have a problem with spending, and you can’t control urges to buy things, give your cards to somebody you trust.

Getting A Handle On Spending

Consolidating your debts

Do you owe an array of firms or lenders? Have you missed bills or rent or mortgage payments? One way to make life simpler and reduce your debt is to take out a consolidation loan. Doing this enables you to pay off all your existing debts using a loan. You then pay back your loan in a single payment each month. You’ll still be in debt because you’ve taken a loan out. But you’ll have peace of mind that nobody is chasing you, and you can start afresh. All you have to do is make sure you can cover the loan payment each month, and control your spending. To find out more about debt consolidation, you can visit websites like

Reducing the risk of further problems

Once you’re back on an even keel, the last thing you want is to revert to your old ways. Make sure you’re aware of what’s going on in your accounts. Open letters, and check your balance online frequently. Work out a budget for each month to manage spending, and try and save anything you have left over. You’ll find simple budgeting tips at  If you have trouble controlling spending, seek advice from a financial counselor.

Debt can take over your life, and make your miserable. If you owe money, be brave, and take steps to get back in the black as soon as possible. The longer you run, the greater the risk of serious implications. There is help out there, and you’ll experience a huge sense of relief once you’ve asked for advice.

Time Off Work Doesn’t Have To Be A Pain!


Sick leave and time off for injuries is always a mysterious and terrifying area. Most people can’t afford to lose their jobs, so taking time off doesn’t feel like an option. You don’t want to lose your job, but sometimes there isn’t a choice. This post should help you to understand how to go about taking time off, and how you can even make money out of the time.

  • Know The Law and Your Rights

Understanding the law is key when it comes to taking time from work. In a lot of countries, it’s illegal for you to work with food within 24 hours after throwing up. And in some places, you can’t work under fluorescent lights if you have a migraine. Below are a few things for you to research before taking time off.

  • What illnesses can you work with?
  • Is your employer required to pay you for time off?
  • Will you be able to prove you were ill or injured?

These are just a few ideas, and you’ll need to do your own research. The law differs so much from place to place; you may find that the rules are different to other places that you’ve worked.

In some cases of injury, in could be the employer’s fault. If this is the case, you’re probably entitled time off and compensation. Talk to your employer first, and give them the option to settle it with you privately. If they refuse, use a company like SiebenCarey or InjuryLawyers4U to settle the dispute. They will handle all of the legal matters, and won’t take cases they don’t expect to win.

  • Know Company Policy and Your Contract

A lot of companies will measure sickness and time off using a system like the Bradford Factor Scale. These are used to place each employee on a scale. The scale represents how much time they’ve taken off, over how many periods. This means that it can be better to take a week off; instead of having 2 days off, a day at work, and then 2 more days off. Learn how your company does things, and then act accordingly.

Your contract should stipulate how much time you can have off, and what you’ll need to do if you take time off. Read your contract, and make sure that you’re not breaking any rules. A lot of companies require a doctor’s note to prove sickness. The earlier the date on the note, the better.

Time Off Work Doesn't Have To Be A Pain

  • It Can’t Hurt To Ask

If you’re unsure about company policy, or your contract, ask your boss. You shouldn’t get in trouble for being conscientious when it comes to time off. If anything, it can look better to go out of your way to make sure you’re not pushing it. Just be careful not to sit at the limit of acceptability. This will make your time off look deliberate.

  • Be Realistic

You’re the only one who can truly tell how you feel. Be realistic about your ability to work. Most of the time, you take a sick day to avoid spreading the illness. If you’ve got a sniffle or a headache, you can probably still do your job. It’s a lot better to be sent home sick than to take the time yourself.

Hopefully, this will shed light on time off in the workplace. Remember to be careful, and do research to get information about your local area.