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Saving up a big enough deposit to buy your own home may seem like a lovely fantasy. It can be tough being a first-time buyer with backers demanding your soul and first-born child before they will lend you money. However, there are a couple of ways to make this a reality and jump onto the property ladder without saving up a small fortune.

Shared Ownership Alternative:

Shirt Ownership

This translates into you purchasing between a 25%-75% portion of a property and renting the rest from a local authority or a housing developer.

Positives: You don’t need as high of a deposit or mortgage, which makes buying a property much easier.

Negatives: Only a portion of the property belongs to you although normally you have the option to purchase the rest at a later date.

Eligibility: Priority allocation is reserved for those who work in essential services such as nursing, teaching and policemen, and lower income families. So it is important to research what your chances are before popping the champagne. Furthermore, shared ownership is only available on certain properties either as part of a new development or as an offer from a local authority. This means the process isn’t as easy as finding a property you like and applying for a grant to purchase it.

Verdict: This is a very affordable option for jumping onto the property ladder if it would be otherwise difficult. So it is an avenue worth investigating.


We all are guilty of having materialistic indulgences. You buy the latest IPhone, or HD TV and while it is nice, the pleasure only lasts for a little while. Instead of spending your money on items that will become obsolete, you should spend money on memorable experiences. Memories last a lifetime, becoming a part of our life forever. Here is a list of 5 things you should stop wasting your money on and 5 things you should start spending your money on.


Sometimes one talk just won’t cut it. Trying to infuse your children with all of your financial knowledge in one sitting will most likely result in losing their attention very quickly. So what is the best approach? Peppering them with small lessons in money management during everyday conversation according to Holly Isdale. Isdale is the founder of Wealthaven in Bryn Mawr, PA, a company that provides financial advice to wealthy families. Here are nine ways you can raise your children to be money savvy.

1. Talking about their allowance


Barbara Nusbaum is a New York physiologist that focuses on the emotional side of money. She suggests that having your children split their money up into three categories: spend, save, and share.

“Allowance is important. It gives you the opportunity to have small money talks with your children regularly.” She says.

As the great entrepreneur, Sir Richard Branson says, “Every person, and especially every entrepreneur, should embrace failure with open arms, it is only through failure that we learn.” With that said there is still good and bad advice especially when it comes to money. Here are nine money mistakes that those in their twenties tend to encounter


Choosing a career is never an easy task – not even when you know at least broadly what you want to do in life. With the rapid job market changing around us, with the emergence of new technologies every year and with living in a world that is both unstable and extremely innovative, knowing for sure that you have chosen the right career for yourself can be quite difficult indeed.

2015 has just kicked in, but together with it, we have seen how the new year’s trends are starting to shape up – and not just in terms of fashion, but in terms of business and career choices as well. What are the top 10 best careers to choose this year? Read on and find out more…



Spring is right around the corner – and together with it, most of us will start dreaming of a nice vacation for the summer. However, most of the people out there feel that with the economy we live in, going on an actual holiday (that doesn’t involve your hometown or your spouse’s) can be impossible.

But here’s the good news: it is possible. You can save a lot of money by doing small things – and if you really want to use that money for a nice vacation, you can definitely do it. How to save that much money? Here are some of the best tips to help you out: