3 Investments You Should Be Making Into Your Life

As much as we hate to admit it, money does make the world turn around. While it’s perfectly possible to live without a lot of money, if you want to enjoy the finer things in life then you’re going to need a good source of income, and stability with your finances. That’s why in many areas of life it’s a wise idea to make some investments so that if the going gets tough, you’ve got something to fall back on and also give you a steady extra income even when things are good. The big question here, is what to invest your hard earned money into? Luckily, we’ve compiled a quick list of the best 3 investments that you should be making into your life, so check them out!


Pretty much the most important thing in life is your health, so why aren’t you already investing into it? Even if you live the healthiest of lifestyles, there’s no guarantee that you won’t fall ill or injure yourself at some point or another – what would you do then? A sad but true fact is that the healthcare sector is still a business, which means that much alike the economy, prices are going to keep rising when it comes to healthcare.

Even if you’re lucky enough to be under the care of a provider such as the NHS, there will always be treatments that aren’t covered. Have you thought about what you would do then? Imagine being gravely ill or injured and not being able to afford treatment – it’s not a nice thought!

Also, as morbid as it is, there’s always the death side of your health that you need to think about. What would happen if you were to die? Would your family cope with the costs of a funeral and also supporting themselves financially?

A great way of solving all of these dilemmas is by taking out life insurance. Not only does it cover you for costs of treatments, but it also gives you that peace of mind that if the worst does happen, your family are going to be able to cope financially without you there.

A problem that many people face is applying for life insurance. Many people are reluctant to give away personal details or have an examination for insurance purposes, and that’s totally understandable! However, did you know that you can get life insurance quotes without an exam or very personal details? Consider investing into your health and your family by taking out life insurance. After all, it’s one less thing to worry about!


One thing that many people worry about is becoming homeless. If you’re a tenant of a landlord, you never truly know when they will want their property for other uses – leaving you homeless. That’s why it’s a good idea to invest your money into buying your own home so that you’ve always got that security, even if you’re struggling to make ends meet.

Property is also a good idea because you could rent out your property for some extra income too. Imagine having a month rent to play with each month?! There are now more ways than ever to become a homeowner, so why not see which route is the best for your financial circumstances and give you and your family permanent future stability!


Finally, another brilliant idea to invest your money into is business. Whether you’d choose to create your own business and reap the rewards and benefits, or whether you’d prefer to invest in a business you believe in, there’s always going to be a lump sum of money waiting for you should you need it. Remember that if you are choosing to invest in someone else’s business, to make sure that you’re confident the business isn’t going to fall at any point as you could end up losing everything. If you’d rather start your own business but aren’t quite sure how, take a look at this guide on starting a business for beginners so that you can get the ball rolling and make some wise investments into your life!

As you can see, making smart investments into your life means that you could gain security financially, no longer have to worry about your health, and also create an empire for yourself to pass down to your children! What are you waiting for?

Homes For Growing Families That Won’t Bust The Bank

When you get to that age where you’re finally starting a family, suddenly the rented apartment you’re in starts to look awfully small. Not only will the baby needs his or her own room, but the wave after wave of things it will need to live a comfortable life while so small and fragile will keep growing. There are no two ways about it; you need to find a bigger place. But the housing market is not so kind to new families unless you’re willing to take out an obscenely large loan, which will have to locked to the house and joined at the hip, perhaps for decades. There are options on the market, for homes that won’t rip open your wallet and swallow your credit card whole. They will, of course, be alternative options and not quite what the traditional home looks like, but for the affordable price, you can get bang for your buck.

Urban modern housing

If you work in the city, you’d be surprised at the newest schemes to make mass produced homes that are actually quite affordable. Often homes that have been constructed using basic materials, and the architecture itself being quite boxy and rigid, the large straight and rectangular rooms with few walls provide a great alternative to the traditional home for growing families. They are usually on the outskirts of the city, or perhaps in the outer ring of the central city area. They are urban but take up little room. Don’t expect any driveways or places to park your car though, as the space is purely therefore for cars going to and from the street. Creative communities live in these areas, whereby the society is very close knit, and tips and tricks are regularly shared out to newcomers. The homes are almost experimental, and companies will give you special deals if you sign up to be surveyors so that future urban homes can be improved.


Customized homes

You can also choose what your home will look like, completely with manufactured homes. Purely on a one floor style, the interior, however, can be just as modern and inviting as any home around the world. The best part is it’s more than affordable and gives plenty of space for small children as two adults. Choose from single wide homes if you’re not planning on having more than one child for the foreseeable future, or perhaps a double wide home if you’re planning on having a dog move in with you as well. Special home deals are also on the cards giving options to save money in multiple areas. The home itself can be delivered straight to your location, so you actually don’t have to move from a neighborhood which you have your heart set on.

Affordable homes for growing families are a priority for many governments around the world, but so far the traditional home route has not yet become cheaper. Customizable and manufactured homes may only cost a few tens of thousands to get the same interior quality as any other home on the market.

Making the Transition from Renter to Homeowner

Wherever you read about the benefits of buying a home, it’s almost only ever described as a being ‘better’ than renting. However, while this is true in most cases, it does not mean it’s the perfect solution for everyone. There is a lot to think about, from finances through to hiring attorneys, and the truth is that sometimes buying a home can lead to disaster. Here are the key concepts you need to consider if you want to make the transition from renter to a homeowner as smooth as possible. 

Comparing the money

First of all, it’s worth thinking carefully about how much you pay for rent and how much you will pay for your mortgage. In most cases, due to the rising costs of rent, a mortgage will be cheaper. But it isn’t necessarily the case. A mortgage loan officer can help, of course, as can a financial adviser. But just because you can afford to pay a monthly rental fee, doesn’t mean you will be eligible for a similar mortgage rate. Ultimately, the decision will be made by your mortgage advisor on your income and your credit rating.

Check your credit

Before you start looking into buying a home, check your credit rating. It is one of the primary things that mortgage providers will use to determine your mortgage eligibility. Some lenders are more flexible than others, although you may find you end up paying more in interest. Again, check your figures and make sure you can afford the payments.

Understand your responsibilities

One of the biggest shocks to the system of becoming a homeowner is that everything is down to you. If anything goes wrong with your heating system, you have to pay – there is no relying on a landlord. It catches many new homeowners out, so preempt any situation and ensure that you are building up an emergency fund.


Insure everything

Another way of reducing the costs of emergencies is to use insurance. Understanding homeowners insurance is the first step. You should also insure your critical household functions – it will lessen the impact of any nasty surprises. It will also allow you to plan a lot better, and work out your fixed monthly costs. Of course, these extra expenses will soon add up, so you need to consider them to your total outgoings when comparing rental rates.

Furnishing your home

Another cost to think about is furnishing your home. Again, it’s important to include this in your home buying budget – especially if you currently live in a furnished property. Beds, storage, cupboards can all cost a small fortune. Plus, of course, you may need some money for doing renovations. It’s rare to buy a home that is just perfect for your needs. Often, you might want to refresh a tired looking bathroom or kitchen. Unless you are happy to make do for a while, it’s something you will need to save up a significant amount of money.

As you can see, there are plenty of things to think about when making the transition from renter to homeowner. In most cases, it will be worth it – but make those financial checks beforehand to ensure you can afford it.