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		<title>The Best Secondhand &#038; Charity Shops in Colchester</title>
		<link>https://couplesguideto.com/finances/charity-shops-colchester/</link>
		
		<dc:creator><![CDATA[Couples Guide To]]></dc:creator>
		<pubDate>Fri, 03 Feb 2023 09:00:59 +0000</pubDate>
				<category><![CDATA[Finances]]></category>
		<category><![CDATA[Feature]]></category>
		<category><![CDATA[Lifestyle]]></category>
		<guid isPermaLink="false">https://couplesguideto.com/?p=5083</guid>

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		<p><strong>Affiliate Disclosure:</strong> We only recommend products we would use and all opinions expressed here are our own. This post may contain affiliate links that at no additional cost to you, we may earn a small commission when you purchase. These commissions help with the running costs of this website, if you do purchase via one of the product links many thanks it is greatly appreciated!</p>
<p>Have you been looking for a great way to shop sustainably and support local charities at the same time? Or hoping to renovate your home at a lower cost? Look no further than charity shops in Colchester! From vintage clothing to books, toys, and homeware, charity shops offer a selection of pre-loved items that are sure to delight even the pickiest of shoppers. Plus, every purchase you make helps support a good cause. Read on for some of the best charity shops in Colchester.</p>
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		<h2>The Best Charity Shops to Visit in Colchester</h2>
<h3>Emmaus Home Shop</h3>
<p>With branches across the UK, <a href="https://emmaus.org.uk/colchester/" rel="nofollow noopener" target="_blank">Emmaus Home Shop Colchester</a> is a great way to get your hands on some quality furniture and other items at a very reasonable price. By shopping at this charity shop, you&#8217;re helping those in need too.</p>
<p>That&#8217;s because every purchase made goes towards providing essential support for homeless people and those who would otherwise be excluded from society. They also create employment opportunities for homeless people across the UK.</p>
<p>So why not shop with Emmaus Home Shop Colchester today and add a spark of style to your home while also giving back to those who need it most!</p>
<h3>Age UK</h3>
<p>This is another great <a href="https://directory.ageuk.org.uk/charity-shops/age-uk-shop-colchester/?p=CO4%205LG&amp;pageNum=1" rel="nofollow noopener" target="_blank">charity shop located near the town centre</a> that offers an excellent selection of second-hand clothing as well as other items such as books, DVDs, toys, and homeware. Everything sold here goes directly towards supporting older people across Essex who need help with everything from day-to-day activities to long-term care needs.</p>
<h3>British Heart Foundation Shop</h3>
<p>The British Heart Foundation is one of the leading charities dedicated to fighting heart disease. <a href="https://www.bhf.org.uk/what-we-do/find-bhf-near-you/colchester-furniture-electrical-store" rel="nofollow noopener" target="_blank">Their shop in Colchester</a> sells quality secondhand furniture as well as other items such as books and CDs. All profits go towards helping fund life-saving research into heart disease prevention and treatment.</p>
<h3>Oxfam</h3>
<p>Oxfam is a global charity that works to end poverty and injustice. They have a <a href="https://www.oxfam.org.uk/shops/oxfam-shop-colchester/" rel="nofollow noopener" target="_blank">shop in Colchester</a> that sells second-hand clothes, books, music, and homeware. All of the proceeds from the shop go towards Oxfam&#8217;s work around the world.</p>
<h3>Salvation Army</h3>
<p>The Salvation Army is a Christian charity that works to support those in need. They have a <a href="https://www.salvationarmy.org.uk/colchester-charity-shop" rel="nofollow noopener" target="_blank">shop in Colchester</a> that sells second-hand clothes, books, music, and homeware. All of the proceeds from the shop go towards The Salvation Army&#8217;s work.</p>
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		<h2>Secondhand Shops in Colchester</h2>
<p>Second Hand Shops in Colchester offer a great way to break away from the norm and find unique items. Whether you are looking for vintage clothing, books, furniture, artwork or even musical instruments, you can find these at Secondhand Shops all over this bustling town.</p>
<h3>Aladdin&#8217;s Colchester</h3>
<p>An <a href="https://www.facebook.com/aladdinsofcolchesteraladdinsofcolchester/" rel="nofollow noopener" target="_blank">incredible thrift shop</a> with almost anything and everything. Could say ‘everything but the kitchen sink’ but they probably have that too! If you find something you like, buy it as it’s unlikely to stay there long, new items appear daily. Great for people looking to renovate their home on a budget.</p>
<h3>Blackheath Demolition and Trading</h3>
<p>Started in 1989 this <a href="https://www.blackheathdemolitionandtrading.co.uk/" rel="nofollow noopener" target="_blank">reclamation yard</a> in Colchester has an incredible collection. Serving trade clients and the public as far as London, housing doors, fireplaces, all manner of building materials and much more. They have all you need to build an entire home from scratch (almost). A great business that stops building materials going to waste and giving them a new lease of life.</p>
<h3>Starling Furnishings</h3>
<p><a href="https://starlingfurnishings.com/" rel="nofollow noopener" target="_blank">Starling Furnishings in Colchester</a> is the perfect place to go if you&#8217;re looking for second hand furniture with a difference. Their friendly and knowledgeable team are ready to help you find just what you&#8217;re looking for, whether it&#8217;s a charming antique sofa or some funky mid-century modern furnishings.</p>
<p>With their selection of second hand furniture, they&#8217;ve got something to suit every taste and budget &#8211; plus, they have plenty of secondhand bargains so you&#8217;re sure to snap up a great deal. So why not pop into Starling Furnishings in Colchester today and take a look! You just may find that perfect piece of furniture you&#8217;ve always been searching for.</p>
<h2>Reasons to Buy at Second Hand Charity Shops in Colchester?</h2>
<h3>The Deals are Unbelievable</h3>
<p>When it comes to finding great deals, charity shops have it all. From vintage clothes and antique furniture to books, DVDs, toys, and more, there&#8217;s something for everyone at these stores. Prices are also incredibly low – so low that you may even be surprised at what you can buy! Plus, since new items come in all the time, there is always something new to discover on each visit.</p>
<h3>You’re Helping Your Community</h3>
<p>By visiting a charity shop in Colchester rather than buying from a big box store or online retailer, you’re helping those less fortunate than yourself. Each purchase helps support local charities such as homeless shelters or food banks. This means not only are you getting great deals on second-hand items but also helping your community by giving back in a meaningful way.</p>
<h3>It’s an Eco-Friendly Choice</h3>
<p>Shopping second-hand is one of the best ways to reduce waste while still getting what you need. By reusing items instead of throwing them away or buying brand new ones every time, we can help reduce our environmental impact. Plus, shopping second-hand can help extend the life of products that would otherwise go into landfills or pollute our environment with harmful toxins released during manufacturing processes. It’s an easy way to do your part for the planet without having to sacrifice quality or style!</p>
<p>Whether you’re looking for unique vintage finds or just want to support local charities while doing your shopping, Colchester has plenty of amazing charity shops for you to explore! Be sure to drop by these gems for an enjoyable shopping experience where you can get great deals on pre-loved items while giving back at the same time!</p>
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		<title>Where to Find Free Stuff Online</title>
		<link>https://couplesguideto.com/finances/find-free-stuff-online/</link>
		
		<dc:creator><![CDATA[Couples Guide To]]></dc:creator>
		<pubDate>Fri, 16 Dec 2022 12:31:24 +0000</pubDate>
				<category><![CDATA[Finances]]></category>
		<category><![CDATA[Feature]]></category>
		<guid isPermaLink="false">https://couplesguideto.com/?p=5020</guid>

					<description><![CDATA[]]></description>
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		<p><strong>Affiliate Disclosure:</strong> We only recommend products we would use and all opinions expressed here are our own. This post may contain affiliate links that at no additional cost to you, we may earn a small commission when you purchase. These commissions help with the running costs of this website, if you do purchase via one of the product links many thanks it is greatly appreciated!</p>
<p>We all love free stuff, and what better place to find it than online? With the help of the internet, you can find a variety of free products, services, and resources that can make life easier for you. From free samples to online courses, there are plenty of great things to be found out there. Let’s explore some of the best places to find free stuff online.</p>
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		<h2>Freecycle &amp; Freegle</h2>
<h3>What is Freecycle and Why You Should Join!</h3>
<p>Freecycle is a non-profit organization dedicated to reducing waste by connecting people who have items they don’t need with those who are looking for them. It’s an online “give and take” platform that empowers members to donate, recycle and reuse items in their local community. The goal of Freecycle is to keep these items out of landfills and promote sustainability by creating a closed-loop system of sharing resources.</p>
<h3>What is Freegle? and Why You Should Join!</h3>
<p>Freegle is an online platform that connects people who have items they don’t need with those who need them. It is a great way to reduce landfill waste and help people in your community. The idea behind it is simple; one person’s trash can be another person’s treasure! Let&#8217;s take a closer look at these innovative platforms and see why they have become so popular.</p>
<h4>The Benefits of Freecycle &amp; Freegle</h4>
<p>Freecycling and Freegling helps reduce the amount of waste that goes into landfills each year. Members can save money by getting free items from other members, while also helping the environment by not having to buy new products. Additionally, it encourages members to look for creative solutions to their needs, as well as build relationships with like-minded individuals in their local community.</p>
<p>Another great thing about the platforms is that they are incredibly easy to join. All you need to do is sign up for a free account at <a href="https://www.freecycle.org/" rel="nofollow noopener" target="_blank">freecycle.org</a> or <a href="https://www.ilovefreegle.org/" rel="nofollow noopener" target="_blank">ilovefreegle.org</a> and search for groups in your local area. Once you join a group, you can start posting or browsing for items that other members have listed as available to give away. You can also post requests for specific items if you’re looking for something specific.</p>
<h4>How Does Freecycle &amp; Freegle Work?</h4>
<p>Once you find an item you want on the website, contact the member who posted it the messaging system and arrange a pickup time/location with them directly. After the pickup is complete, the poster must confirm receipt of the item before it is removed from the website so that no one else will claim it again. This ensures that there are no disputes over ownership of an item once it has been claimed by someone else.</p>
<h4>You Can Even Find Free Baby Stuff Online!</h4>
<p>Shopping for a baby can be overwhelming with all the products available and the prices that come with them. These days, however, there are plenty of ways to find quality, free baby stuff online! From diapers and wipes to clothing and prams, many parent give away old baby stuff all the time on Freecycle and Freegle. Shopping for baby just got a lot easier! With so much available for free, you won’t have to break the bank when it comes to stocking up on essentials. Plus, if you&#8217;re willing to do a little extra digging online, you&#8217;ll be sure to find even more free goodies for your little one. So what are you waiting for? Get ready to save big on your baby supplies today!</p>
<h2>Other Platforms to Find Free Stuff?</h2>
<h3>Gumtree Freebies</h3>
<p>Who doesn&#8217;t love a good freebie? If you&#8217;re looking to snag something for nothing, then Gumtree is the place to go. The site boasts an array of incredible offers from locals all around the globe, giving you access to items that you might not otherwise find on marketplace sites. From furniture and home appliances, to cars and miscellaneous items, there&#8217;s usually someone offering up something they no longer need &#8211; and best of all, it doesn&#8217;t cost you anything! Whether you&#8217;re in desperate need or just looking to add a bit of variety in your life, keep an eye on <a href="https://www.gumtree.com/freebies" rel="nofollow noopener" target="_blank">Gumtree Freebies</a> and stay one step ahead of everyone else!</p>
<h3>Facebook Market Place Free Items</h3>
<p>The Facebook Marketplace is an excellent resource for anyone looking to find free stuff. There are a multitude of groups dedicated to helping people give away things they no longer need, providing a fantastic service to users who don&#8217;t have the means to buy new items. Not only can you find freebies in categories like clothes, furniture, electronics and more, but also items such as food, pet supplies and even home décor! Instead of spending money on something new that you might not even use or like, all it takes is a few clicks on the Marketplace and voilà &#8211; you can find exactly what you need for free! So why not check out the <a href="https://www.facebook.com/marketplace/category/free/" rel="nofollow noopener" target="_blank">Facebook Marketplace Free Category</a> for exciting opportunities?</p>
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		<h2>Other Ways to get Free Stuff Online</h2>
<h3>Coupon Websites</h3>
<p>The internet is full of websites that offer coupons and discounts for products and services. Many companies offer discounts or coupons that you can use to get a discount on your purchase. Sites like <a href="https://www.groupon.co.uk/discount-codes" rel="nofollow noopener" target="_blank">Groupon</a> and <a href="https://www.topcashback.co.uk/ref/member12111104305250" rel="nofollow noopener" target="_blank">Top Cash Back</a> are two popular options that have lots of deals available.</p>
<h3>Free Samples</h3>
<p>If you’re looking for something specific, like food or beauty products, there are lots of sites that offer free samples. Companies often give away samples in order to promote their product and give customers an opportunity to try it out before they buy it. Some popular sites for finding free samples include <a href="https://www.bzzagent.com/" rel="nofollow noopener" target="_blank">BzzAgent</a> and <a href="https://www.samplesource.com/" rel="nofollow noopener" target="_blank">SampleSource</a>. You can also keep an eye out for promotions from brands you already love – many brands will offer free samples or special offers every once in a while!</p>
<h3>Online Courses &amp; Tutorials</h3>
<p>Want to learn something new but don’t want to spend any money? There are tons of online courses and tutorials available for free on the internet! Popular sites like <a href="https://www.udemy.com/" rel="nofollow noopener" target="_blank">Udemy</a> and <a href="https://www.skillshare.com/en/browse/free-classes" rel="nofollow noopener" target="_blank">Skillshare</a> offer a wide variety of classes on topics ranging from photography to coding. If you’re looking for something more specific, YouTube is also full of tutorials on everything from crafting projects to recipes.</p>
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		<h2>Final Thoughts</h2>
<p>Finding free stuff online doesn&#8217;t have to be hard &#8211; with the right resources, anyone can reap the benefits without spending a dime! Whether you&#8217;re looking for discounts on products or services, trying out some new samples, or learning something new with a course or tutorial &#8211; there&#8217;s plenty of great stuff out there waiting for you! So go ahead &#8211; start exploring! You never know what kind of awesome things you&#8217;ll find along the way! Intended Audience: People who want access to free content online but aren&#8217;t sure where to look.</p>
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		<title>Mortgage Payment Calculator</title>
		<link>https://couplesguideto.com/finances/mortgage-payment-calculator/</link>
		
		<dc:creator><![CDATA[Couples Guide To]]></dc:creator>
		<pubDate>Fri, 04 Nov 2022 16:43:05 +0000</pubDate>
				<category><![CDATA[Finances]]></category>
		<guid isPermaLink="false">https://couplesguideto.com/?p=4973</guid>

					<description><![CDATA[]]></description>
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		<h2>Use this Mortgage Payment Calculator to Make Your Dreams of Homeownership a Reality</h2>
<p>Do you daydream about owning your own home? Maybe you picture yourself relaxing in a comfortable living room, entertaining guests in a spacious kitchen, or spending lazy Sundays lounging in your very own backyard. Whatever your vision may be, one thing is for sure—making your homeownership dreams a reality starts with figuring out how much your monthly mortgage payment will be.</p>
<p>That&#8217;s where this mortgage payment calculator comes in! Just enter a few pieces of information (like the price of the home you&#8217;re interested in, the down payment you&#8217;re able to make, and the interest rate on your loan) and voilà—you&#8217;ll have your monthly mortgage payment estimate in no time.</p>
<blockquote>
<h3><a href="https://couplesguideto.com/finances/house-buying-guide/">Read Our House Buying Guide Here</a></h3>
</blockquote>
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<input
type="hidden" data-sayt-exclude name="form_id" value="6" /><div
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id="ipt_fsqm_form_6_layout_0_inner" class="ipt-eform-layout-wrapper"><div
class="ipt_uif_column ipt_uif_column_full ipt_uif_conditional ipt_fsqm_main_heading_column"><div
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<span
class="ipt_uif_divider_text">
<i
title="" class=" ipticm prefix" data-ipt-icomoon="&#xe000;"></i>
<span
class="ipt_uif_divider_text_inner">
Calculate Your Mortgage Monthly Payments<span
class="subtitle">Estimated Figures</span>				</span>
</span></h3><div
class="clear-both"></div></div></div>
<input
type="hidden" data-sayt-exclude name="ipt_fsqm_form_6[freetype][2][m_type]" id="ipt_fsqm_form_6_freetype_2_m_type" value="freetype" class="ipt_fsqm_hf_m_type" />
<input
type="hidden" data-sayt-exclude name="ipt_fsqm_form_6[freetype][2][type]" id="ipt_fsqm_form_6_freetype_2_type" value="feedback_small" class="ipt_fsqm_hf_type" /><div
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class="ipt_uif_column_inner side_margin"><div
class="ipt_uif_question ipt_uif_question_centered"><div
class="ipt_uif_question_label">
<label
class="ipt_uif_question_title ipt_uif_label" for="ipt_fsqm_form_6_freetype_2_value">Property Price<span
class="ipt_uif_question_required">*</span></label><div
class="clear-both"></div>						<label
class="ipt_uif_question_subtitle ipt_uif_label" for="ipt_fsqm_form_6_freetype_2_value">in GBP (£)</label></div><div
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<input
class=" check_me validate[required,custom[number],min[0]] ipt_uif_text"
min="0" max="" step="any"				type="number"
name="ipt_fsqm_form_6[freetype][2][value]"
id="ipt_fsqm_form_6_freetype_2_value"
maxlength=""		value="275000" />
<i
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<label
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<input
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<label
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class="ipt_uif_question_subtitle ipt_uif_label" for="ipt_fsqm_form_6_freetype_3_value">in GBP (£)</label></div><div
class="ipt_uif_question_content"><div
class="input-field has-icon">
<input
class=" check_me validate[required,custom[number],min[0]] ipt_uif_text"
min="0" max="" step="any"				type="number"
name="ipt_fsqm_form_6[freetype][3][value]"
id="ipt_fsqm_form_6_freetype_3_value"
maxlength=""		value="10000" />
<i
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<label
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<label
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class="clear-both"></div>						<label
class="ipt_uif_question_subtitle ipt_uif_label" for="ipt_fsqm_form_6_mcq_2_value">in years</label></div><div
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<input
data-floats="1" type="number" min="1" max="40" step="1" data-nomin="" data-show-count="" data-labels="{&quot;first&quot;:false,&quot;last&quot;:false,&quot;rest&quot;:false,&quot;labels&quot;:[]}" data-prefix="" data-suffix="" class="ipt_uif_slider check_me validate[funcCall[iptUIFSliderVal]]" data-min="1" data-max="40" data-step="1" name="ipt_fsqm_form_6[mcq][2][value]" id="ipt_fsqm_form_6_mcq_2_value" value="15" data-vertical="" data-height="300" /></div><div
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<input
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<label
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class="ipt_uif_question_subtitle ipt_uif_label" for="ipt_fsqm_form_6_mcq_4_value">yearly percentage</label></div><div
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data-floats="1" type="number" min="1" max="100" step="0.01" data-nomin="" data-show-count="" data-labels="{&quot;first&quot;:false,&quot;last&quot;:false,&quot;rest&quot;:false,&quot;labels&quot;:[]}" data-prefix="" data-suffix="" class="ipt_uif_slider check_me validate[funcCall[iptUIFSliderVal]]" data-min="1" data-max="100" data-step="0.01" name="ipt_fsqm_form_6[mcq][4][value]" id="ipt_fsqm_form_6_mcq_4_value" value="3" data-vertical="" data-height="300" /></div><div
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class="clear-both"></div></div></div>
<input
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<input
type="hidden" data-sayt-exclude name="ipt_fsqm_form_6[freetype][7][m_type]" id="ipt_fsqm_form_6_freetype_7_m_type" value="freetype" class="ipt_fsqm_hf_m_type" />
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type="hidden" data-sayt-exclude name="ipt_fsqm_form_6[freetype][7][type]" id="ipt_fsqm_form_6_freetype_7_type" value="mathematical" class="ipt_fsqm_hf_type" /><div
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<label
class="ipt_uif_question_title ipt_uif_label" for="ipt_fsqm_form_6_freetype_7_value">Monthly Installments</label><div
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<i
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<input
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<span
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class="clear-both"></div></div></div>
<input
type="hidden" data-sayt-exclude name="ipt_fsqm_form_6[freetype][4][m_type]" id="ipt_fsqm_form_6_freetype_4_m_type" value="freetype" class="ipt_fsqm_hf_m_type" />
<input
type="hidden" data-sayt-exclude name="ipt_fsqm_form_6[freetype][4][type]" id="ipt_fsqm_form_6_freetype_4_type" value="mathematical" class="ipt_fsqm_hf_type" /><div
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class="ipt_uif_question"><div
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<label
class="ipt_uif_question_title ipt_uif_label" for="ipt_fsqm_form_6_freetype_4_value">Principal</label><div
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class="ipt_uif_fancy_container"><div
class="ipt-eform-math-row ipt_uif_richtext ipt_uif_mathematical">
£							<input
name="ipt_fsqm_form_6[freetype][4][value]" type="hidden" value="0" data-sayt-exclude class="ipt_uif_mathematical_input" data-precision="2" data-formula="F2-F3" data-options="{&quot;useGrouping&quot;:true,&quot;separator&quot;:&quot;,&quot;,&quot;decimal&quot;:&quot;.&quot;}" data-noanim="false" />
<span
class="ipt_uif_mathematical_span">0</span>
GBP</div><div
class="clear-both"></div></div></div></div><div
class="clear-both"></div></div></div>
<input
type="hidden" data-sayt-exclude name="ipt_fsqm_form_6[freetype][8][m_type]" id="ipt_fsqm_form_6_freetype_8_m_type" value="freetype" class="ipt_fsqm_hf_m_type" />
<input
type="hidden" data-sayt-exclude name="ipt_fsqm_form_6[freetype][8][type]" id="ipt_fsqm_form_6_freetype_8_type" value="mathematical" class="ipt_fsqm_hf_type" /><div
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class="ipt_uif_column_inner side_margin"><div
class="ipt_uif_question"><div
class="ipt_uif_question_label">
<label
class="ipt_uif_question_title ipt_uif_label" for="ipt_fsqm_form_6_freetype_8_value">Interest</label><div
class="clear-both"></div></div><div
class="ipt_uif_question_content"><div
class="ipt_uif_fancy_container"><div
class="ipt-eform-math-row ipt_uif_richtext ipt_uif_mathematical">
£							<input
name="ipt_fsqm_form_6[freetype][8][value]" type="hidden" value="0" data-sayt-exclude class="ipt_uif_mathematical_input" data-precision="2" data-formula="F1*F7-F4" data-options="{&quot;useGrouping&quot;:true,&quot;separator&quot;:&quot;,&quot;,&quot;decimal&quot;:&quot;.&quot;}" data-noanim="false" />
<span
class="ipt_uif_mathematical_span">0</span>
GBP</div><div
class="clear-both"></div></div></div></div><div
class="clear-both"></div></div></div>
<input
type="hidden" data-sayt-exclude name="ipt_fsqm_form_6[freetype][1][m_type]" id="ipt_fsqm_form_6_freetype_1_m_type" value="freetype" class="ipt_fsqm_hf_m_type" />
<input
type="hidden" data-sayt-exclude name="ipt_fsqm_form_6[freetype][1][type]" id="ipt_fsqm_form_6_freetype_1_type" value="mathematical" class="ipt_fsqm_hf_type" /><div
class="ipt_uif_column ipt_uif_column_full ipt_uif_conditional ipt_fsqm_container_mathematical ipt-eform-math-fancy" id="ipt_fsqm_form_6_freetype_1"><div
class="ipt_uif_column_inner side_margin"><div
class="ipt_uif_question"><div
class="ipt_uif_question_label">
<label
class="ipt_uif_question_title ipt_uif_label" for="ipt_fsqm_form_6_freetype_1_value">Monthly Mortgage Payments</label><div
class="clear-both"></div>						<label
class="ipt_uif_question_subtitle ipt_uif_label" for="ipt_fsqm_form_6_freetype_1_value">Equated monthly installments</label></div><div
class="ipt_uif_question_content"><div
class="ipt_uif_fancy_container"><div
class="ipt-eform-math-fancy ipt_uif_richtext ipt_uif_mathematical">
£							<input
name="ipt_fsqm_form_6[freetype][1][value]" type="hidden" value="0" data-sayt-exclude class="ipt_uif_mathematical_input" data-precision="2" data-formula="(F4*F6*((1+F6)^F7))/(((1+F6)^F7)-1)" data-options="{&quot;useGrouping&quot;:true,&quot;separator&quot;:&quot;,&quot;,&quot;decimal&quot;:&quot;.&quot;}" data-noanim="false" />
<span
class="ipt_uif_mathematical_span">0</span>
GBP</div><div
class="clear-both"></div></div></div></div><div
class="clear-both"></div></div></div>
<input
type="hidden" data-sayt-exclude name="ipt_fsqm_form_6[freetype][9][m_type]" id="ipt_fsqm_form_6_freetype_9_m_type" value="freetype" class="ipt_fsqm_hf_m_type" />
<input
type="hidden" data-sayt-exclude name="ipt_fsqm_form_6[freetype][9][type]" id="ipt_fsqm_form_6_freetype_9_type" value="mathematical" class="ipt_fsqm_hf_type" /><div
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class="ipt_uif_question"><div
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<label
class="ipt_uif_question_title ipt_uif_label" for="ipt_fsqm_form_6_freetype_9_value">Total Payment</label><div
class="clear-both"></div></div><div
class="ipt_uif_question_content"><div
class="ipt_uif_fancy_container"><div
class="ipt-eform-math-row ipt_uif_richtext ipt_uif_mathematical">
£							<input
name="ipt_fsqm_form_6[freetype][9][value]" type="hidden" value="0" data-sayt-exclude class="ipt_uif_mathematical_input" data-precision="2" data-formula="F4+F8" data-options="{&quot;useGrouping&quot;:true,&quot;separator&quot;:&quot;,&quot;,&quot;decimal&quot;:&quot;.&quot;}" data-noanim="false" />
<span
class="ipt_uif_mathematical_span">0</span>
GBP</div><div
class="clear-both"></div></div></div></div><div
class="clear-both"></div></div></div></div><div
id="ipt_fsqm_form_6_button_container" class="ipt_fsqm_form_button_container ipt_fsqm_form_button_container--classic ipt-eform-material-button-container"><div
class="eform-button-container-inner"></div></div><div
class="clear-both"></div></div></div></form></div><div
style="display: none;" class="ipt_fsqm_form_message_success ui-widget ui-widget-content ui-corner-all ipt_uif_widget_box"><div
class="ui-helper-reset ui-helper-clearfix ui-widget-header ui-corner-all"><h3><i
title="" class=" ipt-icomoon-checkmark-circle ipticm prefix"></i>
Your form has been submitted</h3></div><div
class="ui-widget-content ui-corner-all ipt_fsqm_success_wrap"><p>Thank you %NAME% for taking the quiz/survey/feedback.</p></div></div><div
style="display: none;" class="ipt_fsqm_form_message_error ui-widget ui-widget-content ui-corner-all ipt_uif_widget_box"><div
class="ui-helper-reset ui-helper-clearfix ui-widget-header ui-corner-all"><div><i
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		<h2>How to Use the Mortgage Payment Calculator</h2>
<p>Ready to find out how much your monthly mortgage payments will be? Here&#8217;s what you&#8217;ll need to do:</p>
<p>First, enter the price of the home you&#8217;re interested in purchasing. Then, enter the down payment you&#8217;re able to make. (Pro tip: The larger your down payment is, the lower your monthly payments will be.) Next, enter the interest rate on your loan. (You can get current interest rates from your lender or bank.) Finally, enter the number of years you plan on making payments.</p>
<p>Once you have all of that information entered, the calculator will have your estimated monthly mortgage payment. From there, you can start planning and saving for your down payment so that you can make your homeownership dreams come true.</p>
<p>There&#8217;s no better feeling than finding the perfect home and knowing that it&#8217;s within your budget. Thanks to this mortgage payment calculator, estimating your monthly mortgage payments is easier than ever. So what are you waiting for? Start searching for your dream home today!</p>
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		<title>A Couples House Buying Guide in the UK</title>
		<link>https://couplesguideto.com/finances/house-buying-guide/</link>
		
		<dc:creator><![CDATA[Couples Guide To]]></dc:creator>
		<pubDate>Tue, 25 Oct 2022 11:45:14 +0000</pubDate>
				<category><![CDATA[Finances]]></category>
		<category><![CDATA[Feature]]></category>
		<category><![CDATA[Lifestyle]]></category>
		<guid isPermaLink="false">https://couplesguideto.com/?p=4862</guid>

					<description><![CDATA[]]></description>
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		<p>Everyone knows buying a house is one of the most stressful situations you encounter in life. It’s a long and drawn-out process, and can be difficult to navigate &#8211; especially if you’ve never done it before. We are a couple who recently purchased a property in England, and have laid out our comprehensive house buying guide based on our experiences.</p>
<p>We’ll run through all the steps to buying a house, so you know what to expect when you’re going through the process.</p>
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		<h2>Different Buying Schemes in UK</h2>
<p>If you&#8217;re looking to buy a house in the UK, there are a number of schemes available that can help you get on the property ladder. From government-backed initiatives like <a href="https://www.gov.uk/help-to-buy-isa" rel="nofollow noopener" target="_blank">Help to Buy</a>, <a href="https://www.gov.uk/lifetime-isa" rel="nofollow noopener" target="_blank">Lifetime ISA</a> to <a href="https://www.gov.uk/shared-ownership-scheme" rel="nofollow noopener" target="_blank">Shared Ownership</a> schemes, there are a number of options available. In this guide, we&#8217;ll take a look at some of the most popular schemes so that you can choose the one that&#8217;s right for you.</p>
<h3><a href="https://www.gov.uk/help-to-buy-isa" rel="nofollow noopener" target="_blank">Help to Buy</a></h3>
<p>The Help to Buy scheme is a government-backed initiative that&#8217;s designed to help first-time buyers and existing homeowners move up the property ladder. The scheme offers a number of benefits, including an interest-free equity loan for up to 20% of the property value (40% in London), meaning that you only need a 5% deposit and 75% mortgage to buy your home.</p>
<h3><a href="https://www.gov.uk/lifetime-isa" rel="nofollow noopener" target="_blank">Lifetime ISA (LISA)</a></h3>
<p>Lifetime ISA&#8217;s are different to Help To Buy scheme in that it can be used for other than home buying. You can also withdraw money from your ISA if you’re, aged 60 or over (pension), or terminally ill, with less than 12 months to live. Any other reason for removing funds would entail a 25% charge. You can put up to £4000 a year until you&#8217;re 50, the government will add a 25% bonus yearly with a limit of £1000 per year. Made up of stocks and shares or cash or a mix of both.</p>
<h3><a href="https://www.gov.uk/shared-ownership-scheme" rel="nofollow noopener" target="_blank">Shared Ownership</a></h3>
<p>Shared ownership is another government-backed scheme that&#8217;s designed to help first-time buyers and families who can&#8217;t afford to buy a property outright. With shared ownership, you can buy a share of a property (between 25% and 75%) and pay rent on the remaining share. You&#8217;ll then have the option to buy additional shares in the property (known as &#8216;staircasing&#8217;) until you own it outright.</p>
<h3><a href="https://www.gov.uk/right-to-acquire-buying-housing-association-home" rel="nofollow noopener" target="_blank">Right to Buy</a></h3>
<p>The Right to Buy scheme is open to tenants who have been living in their council property for at least three years. Under the scheme, tenants can purchase their council property at a discount of up to 70%.</p>
<h3><a href="https://www.gov.uk/affordable-home-ownership-schemes" rel="nofollow noopener" target="_blank">Affordable Housing Schemes</a></h3>
<p>There are a number of <a href="https://www.gov.uk/affordable-home-ownership-schemes" rel="nofollow noopener" target="_blank">affordable housing schemes</a> available across the UK, including key worker housing, housing association properties, and starter homes. These schemes are designed to help people who wouldn&#8217;t ordinarily be able to afford to buy a property on the open market.</p>
<p>&nbsp;</p>
<p>There are a number of schemes available that can help you get on the property ladder in the UK. In this guide, we&#8217;ve looked at some of the most popular options so that you can choose the one that&#8217;s right for you. Whether you&#8217;re looking for an interest-free equity loan or an affordable housing scheme, there&#8217;s sure to be a scheme that meets your needs. We used a LISA and a HTB ISA for our first home.</p>
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		<h1>Typical House Buying Questions</h1>
<h2>How Much of a Deposit Do I Need To Buy a House?</h2>
<p>The answer is, unfortunately, a lot. Right now, the recommending minimum amount is 20% of the total property value. That means if you’re buying a property that is valued at £230,000, you want to have at least £23,000 saved up. But we’d recommend higher. There are deposit schemes and banks you can use that only do 5% deposits too.</p>
<p>Your deposit amount is taken into consideration for lenders making a mortgage offer, so you can get better interest rates and amounts based on how big the deposit is.</p>
<blockquote>
<h3><a href="https://couplesguideto.com/finances/mortgage-payment-calculator/">Check Our Mortgage Monthly Payment Calculator</a></h3>
</blockquote>
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		<h2>How Long Does it Take To Buy a House?</h2>
<p>It’s a lengthy process from start to finish, the viewing properties stage depends on how quickly you take to find somewhere you like. It could be the first place you see (although we’d recommend viewing more than one place!) or it could be the hundredth. There is no real definitive time on <a href="https://www.reallymoving.com/first-time-buyers/guides/timeline-for-buying-a-house" rel="nofollow noopener" target="_blank">how long it takes to buy a house</a>.</p>
<p>Once you’ve found a house, it can take anywhere from six to twelve weeks to complete and get the keys. It depends on the chain of sale, if you’re a first-time buyer and don’t have to wait on a property selling, then it’ll be faster. In our experience, we were first-time buyers and the woman selling the home was going into care, so we didn’t have to wait on her buying and completing on another property before we could move in.</p>
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		<p><strong>Photo by <a href="https://unsplash.com/@immorenovation?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText" rel="nofollow noopener" target="_blank">immo RENOVATION</a> on <a href="https://unsplash.com/s/photos/renovation?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText" rel="nofollow noopener" target="_blank">Unsplash</a></strong></p>
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		<h2>Do I Need a Mortgage Broker?</h2>
<p>The <a href="https://www.moneyhelper.org.uk/en/homes/buying-a-home/choosing-a-mortgage-shop-around-or-get-advice" rel="nofollow noopener" target="_blank">decision to use a mortgage broker</a> or not is completely up to you. They can be very helpful in getting you the best possible mortgage rates and provide a lot of advice and guidance during the process on what offers you can put in. Brokers are experts in home buying, and will support you to ensure your mortgage application is correct, and fight in your corner. They’ll also tell you which banks will give you a mortgage, which can be so handy at the earlier stages.</p>
<p>In our experience, we used one but later had issues with our broker leaving us in the lurch and not giving us reference numbers from the bank. When we moved to the completion stage, we hadn’t heard from him for a month and almost lost the house! We went to his company and could get things moving thankfully due to the owner having to step in and help.</p>
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<div class="nectar-highlighted-text" data-style="regular_underline" data-exp="default" data-underline-thickness="default" data-using-custom-color="true" data-animation-delay="false" data-color="#5f96aa" data-color-gradient="#ffffff" style=""><h5><strong><em>Top Tip</em> | Please note: If they charge upfront fees don’t use them and find someone who offers a free service &#8211; they often get paid by the bank too!</strong><strong> </strong></h5>
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		<h2>How Much Can I Borrow for a Mortgage?</h2>
<p>At the moment, banks give you on average 4.5 times your salary (although some banks give more, so look individually as it depends on your personal circumstances) more for a mortgage. If you’re earning £30,000 per year, then you’d look at getting up to £135,000 for your mortgage. Which means if you’ve saved up a £50,000 deposit, you could make offers up to £185,000 on a property. You can use MoneySavingExpert’s <a href="https://www.moneysavingexpert.com/mortgages/how-much-mortgage-borrowing/" rel="nofollow noopener" target="_blank">mortgage affordability calculator</a> to estimate how much you’d averagely be allowed to borrow for a mortgage.</p>
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		<h1>Timeline of House Buying Process</h1>
<p>Buying a house isn’t like renting. It will not be done and dusted in a couple of weeks, or a month. Unfortunately, the process of buying property is time-consuming and drawn out. It’s a lengthy legal process, but it comes with an epic reward at the end &#8211; you get to own your own house. It’s worth it. We promise. Here are all the steps to buying a house.</p>
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		<h2>Preparation</h2>
<p>Buying a home requires plenty of legwork and preparation at the start before you look at properties. You want to be on the ball, and ready to put in an offer when you’re viewing places, which means you need to have everything sitting and ready to go first.</p>
<h3>Organise Your Paperwork</h3>
<p>Your first job is to collect all the relevant paperwork you’ll need. It’s a laborious task, but you’ll need to do it both to get your offer in principle, and then again to get your mortgage &#8211; as usually by that point months will have passed and you’ll need new bank statements.</p>
<p>These are the documents you’ll need:</p>
<ul>
<li>3 months of payslips</li>
<li>3 months of bank statements</li>
<li>Proof of address</li>
<li>ID such as a passport/driving licence</li>
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              <img loading="lazy" decoding="async" class="img-with-animation skip-lazy" data-delay="0" height="800" width="1200" data-animation="none" src="https://couplesguideto.com/wp-content/uploads/2022/10/couples-guide-to-buying-a-house21.jpg" alt="couples guide to buying a house21" srcset="https://couplesguideto.com/wp-content/uploads/2022/10/couples-guide-to-buying-a-house21.jpg 1200w, https://couplesguideto.com/wp-content/uploads/2022/10/couples-guide-to-buying-a-house21-300x200.jpg 300w, https://couplesguideto.com/wp-content/uploads/2022/10/couples-guide-to-buying-a-house21-1024x683.jpg 1024w, https://couplesguideto.com/wp-content/uploads/2022/10/couples-guide-to-buying-a-house21-768x512.jpg 768w, https://couplesguideto.com/wp-content/uploads/2022/10/couples-guide-to-buying-a-house21-900x600.jpg 900w" sizes="auto, (max-width: 1200px) 100vw, 1200px" title="A Couples House Buying Guide in the UK 4">
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		<p><strong>Photo by <a href="https://unsplash.com/@kellysikkema?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText" rel="nofollow noopener" target="_blank">Kelly Sikkema</a> on <a href="https://unsplash.com/s/photos/coffee-table?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText" rel="nofollow noopener" target="_blank">Unsplash</a></strong></p>
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		<h3>Get an Offer in Principle</h3>
<p>Before you look at properties, you need to get an <a href="https://www.comparethemarket.com/mortgages/content/mortgage-agreement-in-principle/" rel="nofollow noopener" target="_blank">offer in principle</a> so that you can move quickly if you see somewhere you like. There are two ways to do this, you can use a mortgage broker, or go directly to the mortgage lender.</p>
<p>When you get your offer in principle, you will get a document with it on, which allows you to use this with estate agents to prove you have the capital there to make an offer. If you don’t have this, you won’t be taken seriously when you’re viewing houses.</p>
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		<h3>Find a Solicitor/Conveyancer &amp; Surveyor</h3>
<p>A conveyancer is a lawyer who specialises in home-ownership, and can help you with all the legal aspects of buying a house. When you’re looking for your conveyancer you want to consider a couple of things:</p>
<ul>
<li>Reviews &#8211; are they good?</li>
<li>Fees &#8211; are they charging competitively?</li>
<li>Do they charge a fee per offer you put in? Some do and some don’t, it can work out cheaper if they don’t!</li>
<li>What are their response times like?</li>
</ul>
<p>A surveyor is someone who specialises in viewing properties and examining properties and highlighting any issues with them that could affect the price, and that you may need to fix one day. You’ll want to have them on hand to view a property when you’re interested.</p>
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	<div  class="vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone "  data-padding-pos="all" data-has-bg-color="false" data-bg-color="" data-bg-opacity="1" data-animation="" data-delay="0" >
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		<p><strong>Photo from house viewing Essex 2022</strong></p>
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		<h3>Create a Checklist of What You Want</h3>
<p>Before even looking at a property, you’ll likely have an idea in your mind of absolute must-haves your future home needs, and things that you absolutely want to avoid. Create a checklist of what these are, but remember the more specific you are then the smaller your search pool is. Remember, you’re buying this home so you can make changes if you can afford to.</p>
<p>You’ll want to consider things like:</p>
<ul>
<li>Detached/semi-detached/terraced/ground-floor flat/top-floor flat/etc</li>
<li>Number of bedrooms</li>
<li>Number of bathrooms and is there one on each floor?</li>
<li>Garden/outdoor spaces</li>
<li>What’s nearby? Is it close to a main road? Does it have good transport links?</li>
<li>How convenient is it for shops/school/activities?</li>
<li>Bath/shower?</li>
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		<h2>Viewing Homes</h2>
<p>Begin your search by looking on websites and apps. Not all of them show up on every single one, so the best way to find everything that’s available is to spread yourself across them all. There’s RightMove, On The Market, Zoopla, and Purple Bricks, as a general guide, but you can also look up more local estate agents to your area.</p>
<p>At the beginning, you can book viewings just to get a feel for how they work. If you live in Scotland, there’s an extra step here where you can request the home report after you’ve seen a place online that you like and then examine it for any issues before you book a viewing.</p>
<p>If you find an area that you particularly like, sign up to all the local estate agents there. They will take down your preferences and contact you when something comes up on the market in the area before it goes out for general listing. It’s worth their time to sell a property as quick as they can.</p>
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		<h3>During The Viewing</h3>
<p>Here’s a handy viewing checklist of things to investigate when you’re viewing properties. You can ask the estate agent questions and go around checking things. Don’t be afraid to be thorough.</p>
<ul>
<li>Turn on and off all the taps and shower to check the pressure and make sure they work. Some properties that have been lying empty may have the water turned off though.</li>
<li>Open and close windows and doors. Are the windows double glazed? How much noise can you hear from outside?</li>
<li>Is there a smoke alarm and does it meet current regulations?</li>
<li>Are there any security measures?</li>
<li>If you’re viewing a flat, note the door entry system, is it up-to-date? Does it seem secure?</li>
<li>Also, when viewing a flat, are the communal areas well maintained and looked after? Are there ongoing factor fees or additional charges you need to budget for?</li>
<li>Is there ample storage?</li>
<li>Where are the power sockets located? Are there enough?</li>
<li>What broadband and TV connections are there?</li>
<li>What sort of heating is it? Is it dual fuel?</li>
<li>Is there parking?</li>
<li>Have there been any recent works carried out in the building? If it’s a flat, are there any communal works due that you might be charged for</li>
<li>How well insulated is it?</li>
<li>Is it warm? Cold</li>
<li>Are there any funny or odd smells as you walk around? Does it smell damp? (Some agents try to cover the smell of damp or nicotine by spraying Febreeze around.)</li>
<li>How much is the council tax?</li>
<li>What’s the EPC rating?</li>
<li>What are the neighbours like? Do they seem pleasant? Do you notice any noise from the neighbours inside the house?</li>
<li>Is it a noisy area outside?</li>
<li>If there is a garden, is it well kept?</li>
<li>Are there any noticeable structural issues on the exterior or interior?</li>
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src="data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%20768%201024'%2F%3E" data-nectar-img-src="https://couplesguideto.com/wp-content/uploads/2022/10/couples-guide-to-buying-a-house17-600x400.jpg" width="600" height="400" alt="couples guide to buying a house17" title="couples guide to buying a house17" loading="lazy" /><a class="entire-slide-link" href="https://couplesguideto.com/wp-content/uploads/2022/10/couples-guide-to-buying-a-house17.jpg"></a></div><div class="cell" data-lazy="true"><img decoding="async" class="skip-lazy nectar-lazy "  src="data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%20768%201024'%2F%3E" data-nectar-img-src="https://couplesguideto.com/wp-content/uploads/2022/10/couples-guide-to-buying-a-house18-1-600x400.jpg" width="600" height="400" alt="couples guide to buying a house18" title="couples guide to buying a house18" loading="lazy" /><a 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	<div  class="vc_col-sm-12 wpb_column column_container vc_column_container col no-extra-padding inherit_tablet inherit_phone "  data-padding-pos="all" data-has-bg-color="false" data-bg-color="" data-bg-opacity="1" data-animation="" data-delay="0" >
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		<h2>Putting an Offer In</h2>
<p>Okay, you’ve found a property you like and now you want to put an offer in. The first step is research. Look up the house prices of properties nearby, you can do this easily on sites like RightMove and Zoopla, and it allows you to see what the current market rate is for that street.</p>
<p>While the property is still on the market, you can register your interest with your conveyancer and they’ll contact the sellers to let them know. This means they can’t sell the property without you finding out, giving you the opportunity to put an offer in.</p>
<p>Some properties go to a closing date, which is where there’s quite a lot of interest and everyone has to put their offer in by 12pm Friday 2 September, for example. Others, you can put your offer in whenever. You contact your solicitor and state your offer. Your offer needs to contain some details:</p>
<ul>
<li>The full name of the borrower</li>
<li>Current address</li>
<li>Address of property you want to purchase</li>
<li>Offer price</li>
<li>Any specific conditions of the offer (if white goods are to be left, etc)</li>
<li>Is it a cash offer or are you getting a mortgage?</li>
</ul>
<p>Then, the conveyancer sends that to the seller and you have the stressful task of waiting to find out whether you were successful.</p>
<p>If the offer isn’t accepted, brush it off and move on. They don’t legally have to tell you how much it went for. They may contact you and suggest you bump it up a little, it’s up to you to decide if you want to.</p>
<p><em>If the offer is accepted &#8211; congratulations!</em></p>
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		<h2>Once Your Offer is Accepted</h2>
<p>Once you’ve had a successful offer, you can book your surveyor to view the property. In Scotland, you can skip this step (but you don’t have to, plenty of people get their own surveyors anyway). They’ll provide you with a detailed home report that makes you aware of any issues that might need repaired either immediately, or soon after.</p>
<p>You’ll have to contact your broker (or mortgage lenders, if you’ve skipped the broker part) and apply for an actual mortgage now. The lender will look at you, your credit history (and this is where the second part of all that tedious paperwork comes in) and also examine the property and decide whether they think it’s worth lending the money for.</p>
<p>You can also have searches done on the property, and your solicitor/conveyancer/broker will help you with this part. Each one comes with their own fee, but it’s things like drainage, local authority and environmental searches.</p>
<p>Remember, nothing is set in stone until you complete and exchange on the property. Don’t celebrate until that’s done as the sellers could back out, you might not get your mortgage approved, anything could happen! It’s a lengthy process, and will take time.</p>
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		<h2>Exchange Contracts</h2>
<p>The exchange of contracts is the point where you can no longer walk away, and neither can the seller. The moment you exchange contracts, you’re legally bound to buy that property. That means you need to get insurance for it, your broker may help with this or you can go directly to insurance providers.</p>
<p>You also want to negotiate a completion date with the sellers. Sometimes they might want to wait before moving out if they are still in the chain with their own property buying process. But you might need to move in soon. So it’s best to open those conversations as early as possible.</p>
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		<h2>Upon Completion</h2>
<p>During this process your deposit is being sent to the seller, more searches are being carried out in the background to make sure you’ve not gone bankrupt and that the sellers actually own the property they’re selling. You’ll get a completion statement and need to sign the transfer deed which confirms you’re happy to own the property.</p>
<p>Once all of that’s completed &#8211; congratulations you’ve made it! You just have to wait and pick up the keys. You own a home! Now you can get out the bubbly.</p>
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		<h1>General Home Buying Tips and Tricks</h1>
<p>We’ve put together a list of the tips and tricks we learned during the entire home buying process, which can help you keep on top of things during the busy (and sometimes exceedingly lengthy) process of buying a house.</p>
<ul>
<li>View houses during the weekday if you can as you’ll have less competition from other viewers and have time to put offers in faster.</li>
<li>Check for properties every day. It’s a busy market right now so properties can come and go to a closing date quickly. Sometimes, there could be limited viewings so you want to get in as early as possible.</li>
<li>When creating your budget, don’t forget to account for things like moving costs, solicitor’s fees, stamp duty (if applicable), survey costs, etc.</li>
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		<title>How to successfully travel, blog &#038; promote through social media and online blogs without quitting your job</title>
		<link>https://couplesguideto.com/travel/how-to-travel-blog-promote-social-media-online-blogs-without-quitting-job/</link>
		
		<dc:creator><![CDATA[Couples Guide To]]></dc:creator>
		<pubDate>Tue, 19 Jul 2022 18:11:12 +0000</pubDate>
				<category><![CDATA[Travel Guides & Reviews]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[Lifestyle]]></category>
		<guid isPermaLink="false">https://couplesguideto.com/?p=4796</guid>

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		<h2><span style="color: #5f96aa;">Tired of people advertising that you have to quit your day job to make a career travelling or through social media? Are you wondering why you can&#8217;t do both? Well you can!<br />
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		<p><span style="font-weight: 400;">Starting a travel blog may seem exciting and it definitely is! But most aspiring bloggers think they can only be successful if they leave their job and turn to blogging full-time. The good news is that you absolutely can be a successful travel blogger without giving up your full-time job!</span></p>
<p><span style="font-weight: 400;">Here are six tips on how you can travel, blog and promote on social media and other online blogs without having to quit your full-time job.</span></p>
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		<h2>1. Advanced Holiday Planning with Work</h2>
<p>One of the most challenging aspects is planning holiday time in advance, especially if you have limited time off with a full-time job. This leads to many bloggers trying to use the free time they have to travel and promote their blog. But this isn’t necessary!</p>
<p>Take 2-3 weeks off in one go! Rather than lots of little holidays, take a chunk and dive into a bigger experience. Spend three weeks in Thailand and sink your teeth into it. Take a Euro-trip for a few weeks maybe? Make the most of it!</p>
<p>You don’t have to fit in multiple short trips to build your travel blog; instead, plan a proper getaway and create an unforgettable experience.</p>
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		<h2>2. Daily Saving and Pre-Booked Budgeting</h2>
<p>Another great tip is to budget your days in advance so that you have enough money available to enjoy your holidays. You can make small changes to your daily schedule so that it quickly adds up.</p>
<p>Do you really need to buy a coffee out every day? Can you bring your own lunch to work? Pay yourself first – put money aside every month! You’ll save up your own money in advance so that you can enjoy your holiday properly &#8211; especially if you are planning a longer getaway.</p>
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		<h2>3. Key Experience / Event Planning</h2>
<p>Get these costs out the way early! You know you want to go to an elephant sanctuary in Chiang Mai, Thailand. Look at how much this might cost and spread the booking costs out throughout the year. Or, put that budget aside and book the month before. Either way, have this allocated early. You can even ask for things like this for birthdays and Christmases – lord knows you have enough socks.</p>
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		<h2>4. Extra Spending Money</h2>
<p>When you put so much time and effort into planning your holiday and making all the necessary bookings, make sure you have enough spending money. Bring enough with you on your trip so that you can enjoy your holiday, but also get to do all the things you want to. After all, you want a memorable experience worth sharing!</p>
<p>You don’t want to be worrying about expenses when you’re out there, so planning to have extra spending money is important and it should be part of every trip you plan from now on.</p>
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		<h2>5. Creating Content While Away</h2>
<p>Remember to create written and visual content for your travel blog. Take photos on your camera and mark the ones you like straight away. Use your phone for lots of videos as you go because it&#8217;s immediate &#8211; treat it not just like a business but a diary of your adventures &#8211; have fun! Remember, if you’re not having fun making it, no one will be having fun looking at it. Humor is the best form of advertising.</p>
<p>Make notes on your phone of how you feel during downtime. Travel time will always happen! Use it to make notes and write it in the evening or weekends when you’re back. Use your notes and get a content writer to help you if you don’t have enough time.</p>
<p>Creating content while you are on your getaway is one of the most enjoyable experiences of all, and one of the great rewards of being a travel blogger. You can document your experiences in such a way to inspire others and also allow them to experience what you’ve experienced &#8211; even though it’s not in person.</p>
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		<h2>6. Monetize Your Blogs</h2>
<p>Now it’s time to upload and monetize the blogs you&#8217;ve written. Have you got affiliates? Have you recommended a hotel? If not, sign up for a few good and reputable affiliate programs with businesses or brands you would be proud to comfortably promote. Be sure to carefully select your affiliates as you want to maintain a professional reputation and only promote a location, product, or service that you really trust.</p>
<p>Also, remember to always be genuine with your recommendation; you don’t want a bad one to come and bite you in the butt. Everything doesn’t have to be done on the spot &#8211; give yourself a few targets when it comes to monetizing your blogs.</p>
<p>You are now ready to promote your blogs on your social media channels and even on other blogs &#8211; many bloggers often provide other blogs and websites with great content, so you can definitely share your experiences on many different platforms.</p>
<p>These are just a few of the many great tips you can follow to start your part-time career as a travel blogger! Most of all, remember to plan ahead and to have fun &#8211; after all, that’s the whole idea!</p>
<p>Start your own travel blogging experience now! Enjoy the benefits of combining the ability to travel and create great content &#8211; without having to give up your full-time job.</p>
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		<title>How to Upload Your Own NFT</title>
		<link>https://couplesguideto.com/finances/how-to-upload-nft/</link>
		
		<dc:creator><![CDATA[Couples Guide To]]></dc:creator>
		<pubDate>Mon, 16 May 2022 19:03:50 +0000</pubDate>
				<category><![CDATA[Finances]]></category>
		<guid isPermaLink="false">https://couplesguideto.com/?p=4691</guid>

					<description><![CDATA[Article Author – Fracas Digital The NFT boom has allowed artists and creators to trade new forms of digital art with a huge, and ever growing, global market. The boom...]]></description>
										<content:encoded><![CDATA[<h4>Article Author – Fracas Digital</h4>
<p>The NFT boom has allowed artists and creators to trade new forms of digital art with a huge, and ever growing, global market. The boom has allowed for creators to gain additional benefits from trading on the online platform including more authority over the sales of their own work, increased royalties rights and access to a wider customer base worldwide. But how do creators get started selling NFTs? Although the <a href="https://howtobuycryptocurrency.uk/" rel="nofollow noopener" target="_blank">world of cryptocurrency</a> may look daunting, this guide by <a href="https://fracasdigital.com/" rel="nofollow noopener" target="_blank">Fracas Digital NFT</a> aims to ease artists&#8217; journey into the metaverse.</p>
<h2>Choose what you want to create!</h2>
<p>Like any other project, the art begins with the idea. Choose what you, the artists, would like to create either in the form of physical artwork, digital art, music, video game, trading card… there really are endless possibilities of what NFTs can be. Save your artwork as a digital file, this will be the file which will be uploaded to the NFT marketplace and become your NFT. With a physical artwork, simply take a photo of the piece to act as the digital file or scan the work to make a copy &#8211; it is that easy.</p>
<h2><img loading="lazy" decoding="async" class="aligncenter wp-image-4701 size-full" src="https://couplesguideto.com/wp-content/uploads/2022/05/rarible-webiste.jpg" alt="rarible webiste" width="1250" height="614" title="How to Upload Your Own NFT 15" srcset="https://couplesguideto.com/wp-content/uploads/2022/05/rarible-webiste.jpg 1250w, https://couplesguideto.com/wp-content/uploads/2022/05/rarible-webiste-300x147.jpg 300w, https://couplesguideto.com/wp-content/uploads/2022/05/rarible-webiste-1024x503.jpg 1024w, https://couplesguideto.com/wp-content/uploads/2022/05/rarible-webiste-768x377.jpg 768w" sizes="auto, (max-width: 1250px) 100vw, 1250px" /></h2>
<h2>Begin the process of minting</h2>
<p>Next, it&#8217;s time to start the process to mint your NFT! Choose your blockchain- the most popular among NFT artists and creators is Ethereum but others do exist, like Solana and Tezos. Whilst Ethereum is the dominant blockchain, choosing the one which is right for you will depend on volume, average selling price and the buyers you want to target.</p>
<h2>Set up a digital wallet</h2>
<p>NFTs are bought and sold with cryptocurrency, held within a digital wallet. If you don’t already have a digital wallet, you will need to create one in order to access your assets. There are many trusted NFT wallets, inducing <a href="https://www.coinbase.com/join/hickma_dg" rel="nofollow noopener" target="_blank">Coinbase</a> and <a href="https://alphawallet.com/" rel="nofollow noopener" target="_blank">AlphaWallet</a>, and once you have your wallet you will be able to buy cryptocurrency, such as Ether, the cryptocurrency of the Ethereum blockchain platform.</p>
<p>Although the process of setting up the digital wallet and investing in cryptocurrency may seem new, scary and lengthy, it is a straightforward process and will enable you to begin selling your NFTs!</p>
<h2><img loading="lazy" decoding="async" class="aligncenter wp-image-4702 size-full" src="https://couplesguideto.com/wp-content/uploads/2022/05/open-sea-website.jpg" alt="open sea website" width="1250" height="615" title="How to Upload Your Own NFT 16" srcset="https://couplesguideto.com/wp-content/uploads/2022/05/open-sea-website.jpg 1250w, https://couplesguideto.com/wp-content/uploads/2022/05/open-sea-website-300x148.jpg 300w, https://couplesguideto.com/wp-content/uploads/2022/05/open-sea-website-1024x504.jpg 1024w, https://couplesguideto.com/wp-content/uploads/2022/05/open-sea-website-768x378.jpg 768w" sizes="auto, (max-width: 1250px) 100vw, 1250px" /></h2>
<h2>Starting to sell on the NFT marketplace</h2>
<p>Now the wallet is set up and you own cryptocurrency, it is time to sell. Take your artwork and choose which NFT marketplace you would like to list your product on, this could be <a href="https://opensea.io/" rel="nofollow noopener" target="_blank">OpenSea</a>, <a href="https://rarible.com/" rel="nofollow noopener" target="_blank">Rarible</a>, <a href="https://niftygateway.com/" rel="nofollow noopener" target="_blank">Nifty Gateway</a>… There are plenty to choose from.</p>
<p><strong>A tip for choosing which marketplace:</strong> we recommend OpenSea, you can mint your own NFTs and it&#8217;s a leader in sales, attracting the largest pool of buyers. However, research is always good to know which market platform would best fit your art. It is also important to remember minting fees! Make sure you are aware of these before you upload to avoid any unsuspected costs.</p>
<p>After choosing your NFT marketplace, connect your wallet and pay the fees to allow you to mint your NFT and hold any sales proceeds.</p>
<h2>Upload</h2>
<p>Finally, upload your NFT, it is ready to be minted. The NFT marketplace of your choice should provide a guide on how to properly upload your digital file on their platform which will turn the file into a marketable NFT.</p>
<p>The final step is to sit back and watch your work sell. You can sell your work at a fixed price, in a timed auction or have an unlimited auction where you control the price you want to sell your work at; it is all up to you.</p>
<p><strong>Something to remember:</strong> remember to set your royalties, this will allow you to continue to profit off the sale of your work when it enters into the secondary market. Additionally, like minting fees, NFT marketplaces may also set listing fees, commissions on the sales, and transaction fees to process the sale of works, you should be aware of all these hidden costs before committing to any site to avoid a shock later.</p>
<p>We hope this guide will help you embark on your journey into the metaverse and, who knows, maybe you could be the next online sensation.</p>
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		<title>Money Saving Tips: A Guide to Saving Money &#038; Reducing Your Expenses</title>
		<link>https://couplesguideto.com/finances/money-saving-tips/</link>
		
		<dc:creator><![CDATA[Couples Guide To]]></dc:creator>
		<pubDate>Fri, 13 May 2022 07:09:51 +0000</pubDate>
				<category><![CDATA[Finances]]></category>
		<category><![CDATA[Feature]]></category>
		<guid isPermaLink="false">https://couplesguideto.com/?p=4603</guid>

					<description><![CDATA[]]></description>
										<content:encoded><![CDATA[
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		<p><strong>Affiliate Disclosure:</strong> We only recommend products we would use and all opinions expressed here are our own. This post may contain affiliate links that at no additional cost to you, we may earn a small commission when you purchase. These commissions help with the running costs of this website, if you do purchase via one of the product links many thanks it is greatly appreciated!</p>
<p>Saving money is something that is important to everyone. Whether you are trying to save for a rainy day or you are trying to get out of debt, learning how to save money is key. In this guide, we will give you Money Saving Tips that will help you reduce your expenses and save more money each month.</p>
<h2>Make a Budget</h2>
<p>Another great Money Saving Tip is to make a budget and stick to it. When you have a budget, you will know exactly where your money is going and how much you can afford to spend. This will help you curb your spending and save more money each month.</p>
<p>You can use free tools like Google Sheets to setup a monthly expense spreadsheet to get a clear view, check out these <a href="https://www.tillerhq.com/free-google-sheets-budget-templates/" target="_blank" rel="noopener noreferrer nofollow">free templates for budgeting your finances</a>.</p>
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		<h3>Split Up Your Salary Using Monzo Pots</h3>
<p>If you have a <a href="https://join.monzo.com/c/hw869sd" rel="nofollow noopener" target="_blank">Monzo account</a>, you can use their ‘pots’ feature to help you save money. This is a great Money Saving Tip if you struggle to save because it allows you to automatically split up your salary into different ‘pots’ for different expenses.</p>
<p>For example, you could have a pot for rent, a pot for food shopping and a pot for savings. This Money Saving Tip will help you make sure that you always have enough money to cover your essential expenses while also saving money each month.</p>
<h3>Save 10% of Your Wages</h3>
<p>As a good rule of thumb <a href="https://jamesclear.com/book-summaries/the-richest-man-in-babylon" target="_blank" rel="noopener noreferrer nofollow">saving 10% for yourself each month</a> from your salary (<a href="https://geni.us/O0l3jX" rel="nofollow noopener" target="_blank">Checkout The Richest Man in Babylon</a>), whether that’s into a savings account, investments or even just paying off debt.</p>
<p>This Money Saving Tip will help you to make sure that you always have some money set aside each month so that you can cover unexpected expenses or save for something specific. This was a great tip shared with me to help start saving for a property.</p>
<h2>Use Discount Websites for Shopping</h2>
<p>The are loads of great websites out there that offer discounts and vouchers for all your favourite stores, including Amazon, ASOS, Missguided and more. Be sure to check them before you make any online purchases, as you could save yourself a lot of money!</p>
<p>You can also check out the below sites to save money when shopping:</p>
<ul>
<li><a href="https://s.click.aliexpress.com/e/_Ap8QRT" rel="nofollow noopener" target="_blank">Ali Express</a> &#8211; Same products that are sold on Amazon for a fraction of the price, you just have to wait longer for delivery as products come straight from China.</li>
<li><a href="https://www.topcashback.co.uk/ref/mongo93" rel="nofollow noopener" target="_blank">Top Cash Back</a> &#8211; You can enter a brand into their site and see if they offer any discounts, this will get added to your account which you can withdraw as cash later.</li>
<li>Gumtree / <a href="https://www.freecycle.org/home/dashboard" rel="nofollow noopener" target="_blank">Freecycle</a> / <a href="https://www.ilovefreegle.org/browse" rel="nofollow noopener" target="_blank">Freegle</a> &#8211; You can find loads of free items that people are throwing out, Freecycle has loads of local groups in the UK which will email you with new items.</li>
<li>Groupon &amp; Wowcher &#8211; Both great sites to find cheap days out and also for discounted shopping items.</li>
<li><a href="https://www.joinhoney.com/ref/luuy8qw" rel="nofollow noopener" target="_blank">Honey Extension</a> &#8211; A great extension for your browser to get up to date coupons, we have saved £1000&#8217;s with this plugin, they also allow you to collect gold and redeem vouchers to shop with.</li>
<li>Ebay, Vinted &amp; Shpock &#8211; All great sites/apps to get second-hand clothes and also a great way to help the environment by reducing waste.</li>
<li><a href="https://www.bhf.org.uk/shop" rel="nofollow noopener" target="_blank">British Heart Foundation</a> &#8211; This is one of the best charity shops for all items such as furniture, clothing, gifts and much more with your money going to a great cause.</li>
<li><a href="https://uk.webuy.com/" rel="nofollow noopener" target="_blank">CEX</a> &#8211; A great second-hand electronics shop in the UK, we buy loads of old PS2 games from here.</li>
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		<h2>Sell Old &amp; Unused Items Online</h2>
<p>We all have stuff lying around the house that we never use, so why not make some money out of it by selling it online. This is a great way to declutter your home and make some extra cash.</p>
<ul>
<li>Ebay &#8211; A popular website for selling items online, you can sell pretty much anything on here.</li>
<li>Preloved &#8211; Another great site for selling second-hand items, from clothes to furniture and everything in between.</li>
<li>Facebook Marketplace &#8211; You can also sell items on Facebook, this is a great way to reach local people who are looking for what you&#8217;re selling.</li>
<li>Gumtree &#8211; This site is more focused on the UK, loads of great local listings for second-hand items.</li>
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<h2>Get Rid of Unnecessary Expenses</h2>
<p>Take a look at your monthly expenses and see what you can cut out. Do you really need that gym membership? Is that expensive cable TV package necessary? Could you switch to a cheaper phone contract? There are lots of small ways that you can save money each month, and it all adds up!</p>
<h3>Check the Supermarket&#8217;s Reduced Aisle</h3>
<p>This Money Saving Tip comes from many broke months living as a student! Whenever we went shopping, <a href="https://deepinmummymatters.com/the-beginners-guide-to-the-supermarket-reduced-aisle/" rel="nofollow noopener" target="_blank">we always checked the reduced aisle in the supermarket</a> first to see if there are any bargains to be had. You can often find some great food that’s about to go out of date which is perfect if you’re planning on eating it soon anyway.</p>
<p>Holland and Barrett often do a &#8216;one penny sale&#8217; where you can get selected items for just one penny! This is a great way to stock up on your favourite supplements or healthy snacks. Be sure to check their website or in-store for when their next sale is happening.</p>
<h3>Don&#8217;t Go Outside LOL</h3>
<p>One of the best Money Saving Tips is to stay home. When you go out, you are more likely to spend money on things that you don&#8217;t need. If you can learn to entertain yourself at home, you will save a lot of money each month.</p>
<p>Maybe start a hobby such as art, painting and drawing are great to learn on a budget. You also look at getting into sports like football to help keep you fit and healthy as well as having fun for almost nothing. If you live in London it feels like you step outside and lose £20 for breathing the air LOL!</p>
<h3>Stop Buying Coffee Every Day</h3>
<p>If you’re <a href="https://www.bustle.com/articles/116664-exactly-how-much-money-skipping-your-daily-coffee-habit-would-save-you" rel="nofollow noopener" target="_blank">buying coffee every day, it’s time to cut back</a>. Make coffee at home and take it with you in a flask, or invest in a reusable cup that you can use when you need to buy coffee on the go. You’ll save money and help the environment too!</p>
<h3>Use 0% Balance Transfers</h3>
<p>Using <a href="https://www.thebalance.com/how-does-a-0percent-balance-transfer-work-961094" rel="nofollow noopener" target="_blank">0% balance transfers</a> is a great way to save money, if you can get 0% for 12 months or more, you can transfer your balance from one card to another and save money on the interest payments.</p>
<h2>Move to a Cheaper Location</h2>
<p>This one isn&#8217;t for everyone, but if you&#8217;re willing to move to a cheaper area then it can save you a lot of money which is easier said than done. Places like London can be extremely expensive, it may be cheaper to rent on the outskirts and commute.</p>
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		<h3>Rent Out a Room</h3>
<p>If you have an extra room in your house or apartment, why not rent it out? This is a great way to make some extra cash and meet new people. You could also look at using Airbnb to make some extra cash on the side.</p>
<h3>Downsize Your Home</h3>
<p>If you have a large home that you can&#8217;t afford, Downsizing is a great option. You can sell your current home and buy a smaller one, or even rent an apartment.</p>
<h2>Final Thoughts</h2>
<p>We hope this guide has helped you learn some new Money Saving Tips. Do you have any other tips on how to save money? Let us know in the comments. You can also follow us on Facebook and Twitter for more tips and tricks on how to save money. Thank you for reading!</p>
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