Browsing Category: "Loan"

Got My Check!

I am just so happy that after 2 months, I finally got my check from SSS. I applied for another loan from SSS for me to be able to either repair our car or add the funds to renovate the house. But on the second thought, I will have my car repair using the money that I got from the loan. I can’t wait to finally fix the car but wait, I still have to claim my driver’s license and renew the car in no time after I have the car fixed. I will sell the car actually but if it still not sold out yet, I will use it for the meantime; the earning from the car will be either for another car or have the house renovated. Hopefully, I can accomplish one of these this year.

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Dried For Six Months

Our lawn is filled with grass and weeds, I don’t want to fill it with cement because if I do, it would be very hot and muddy plus we don’t have plants surrounding our house thus the weeds will grow and that makes our house looks like no one lives in it, in fact it would looked like haunted when the weeds will see all over the place. So every month I always hire someone to cut it, and it is too expensive. Imagine, the labor costs us P 250. 00 which it totally ruined my budget. I tried to cut it myself with our grass cutter but it is very tiring and itchy. When the weeds touches my skin, i will get rashes, I am not being maarte or something but no matter how I tried to ignore it, I just can’t ignore the rashes that shows up in my skin, it is okay if it only shows up rashes but nope it gets more itchy and the rashes will get more red. I rather pay somebody to cut the weeds than to buy expensive soap for the rashes, in that way I can still save.

One friend of my sister offered me something; he has this spray that can dry the weeds off. When it’s about to grow, it will not grow lively but it will get dry and the weeds can’t be visible at all. I asked him to spray all the weeds that surround the house except in front when we put some Bermuda grass. The labor was P 500. 00 yes it is more than P 250. 00 but it will take 6 months yet for the spray to be expired from the weeds. So I will enjoy the no green weeds for 6 months.

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The True Costs of Home Ownership

You’re ready to stop throwing your money at a landlord. You want to make the rules about what happens to your home, from painting the walls to inserting custom bookshelves. In order to make that happen, you have to go through the process of buying a new home. As a first-time home buyer, you may not know all of the expenses involved in this process. This quick guide will get you up to speed so that you can start preparing financially.

Down Payment

The amount of money you pay for your new home upfront is determined by the type of loan you secure, your credit and other potential factors. If you know you want to purchase a home, now is the time to start saving.

Closing Costs

There are services which offer zero closing costs, and that can mean big savings for a first-time home buyer. This may help you designate more of your savings to the down payment in order to secure a more reasonable monthly mortgage payment.

Property Taxes

Tax rates are determined by the neighborhood or city in which you choose to live. This is an expense that will stay with you as long as you own your home, so you may find that you can’t afford to live in an area that otherwise attracts you.

Homeowner’s Insurance

When you consider your monthly payment for a mortgage loan, remember that insurance will add to that expense. You can shop around to get the best rate, but read the terms of each policy closely to determine what you get for the lower rates.

Maintenance and Repairs

Some homes will cost more than others to maintain over time. If you purchase a used home, you may come across repairs that you didn’t anticipate before buying the home. You may also want to upgrade windows or appliances to energy-efficient models.

If you purchase a new home, you will still need to maintain the heating and air conditioning system, fireplace and other features of your home. You may also have the initial expense of purchasing appliances, or you may want to invest in landscaping.

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I Wonder If…

This is the lot that we viewed when I was still looking for a house. This is in Camella, I wonder if this is still available, I wonder if we were able to pay if I pursue this one. This lot is just near in the gate. The person who got this must be so lucky then.

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