Living Without a Mortgage

Tiny houses

Living without the stress of a mortgage payment is the dream of so many Americans. A house is likely the most expensive purchase that you will ever make, and you make payments on it for decades. Entrepreneurs like Don Gayhardt understand the hard work and devotion required to quickly pay off your home. If you are truly determined, there are ways to live mortgage-free.

Build Your Own Home

It takes money to make money, and building your own home is by no means a small expense. To be sure you’re in control of every penny spent, consider crunching the numbers to see if it’s a cost-effective alternative for you.

  • Zoning, permits and local laws come into play anytime you’re building a structure. Research these front and back so that you’re not hit with any unexpected surprises later on in the process. This is to be your home, not a backyard treehouse!
  • You are given the freedom to plan and spend as you please while you’re building your own home, but remember not to cut corners when it comes to anything related to safety. You want your house to be built for generations.
  • Expecting the unexpected is the absolute thing to remember in any construction project. Things can easily go from great to terrible in a heartbeat, so be sure to have money set aside for those “just in case” emergencies.

Try a Tiny House

If you’re a single person or even a married couple with no kids, a tiny house might be in your best interests. Tiny houses are a hot new housing trend in America thanks to their affordability, but remember that the word “tiny” means exactly what it says. A tiny home is usually no bigger than 500 total square feet.

  • Whether you own property or not, tiny houses are oftentimes portable and can be towed from place to place. This means that you can travel to the country, but take your home with you.
  • Tiny houses are very cost-effective. Averaging at only $25,000 to $35,000 for the entire home, you can save hundreds of thousands of dollars from buying a traditional house.
  • Living in one of these houses means serious downsizing. If you are a materialistic person with a lot of hobbies, this lifestyle might not be for you.

Pay Your Mortgage Twice a Month

House payments are so much money, but if you’re able to, it’s worth changing up the way that you pay for yours. Instead of making one large payment once a month, why not make two, twice a month? Seeing an amount of $600 is easier than seeing $1,200, and you might feel more comfortable making larger principal payments in smaller amounts. Adding $100 to half your mortgage payment feels less threatening than making a $1,200 payment into a $1,300 payment.

There are solutions to living without a house payment, and none of them are easy. Take the opportunities given to you as lessons in thriftiness and making your money stretch. One day you will achieve the dream of owning your home free and clear. Until then, work hard to make that dream a reality.

Surviving a New Leader


If your company is going through a change in management, the whole atmosphere of the workplace seems to change. Not only are you coping with somebody leaving, but you are also facing the unexpected: A new boss with different policies and expectations. As a worker, this can seem frightening, almost like starting your job from the beginning again. How can you and all your coworkers be ready for such a dramatic shift?

Prepare as Best as You Can

Entrepreneur Keith Krach built his company through many changes and understands uncertainty. Whether this was a sudden change or a long time coming, you need to mentally prepare yourself for your new leader. Depending on your personal goals and your standing in the company, decisions might have to be made.

  • Do I still want to work here?” What are the circumstances regarding the shift? Did your boss leave for a valid reason, or was this a shady dealing that the company is not publicly discussing? If so, you might find yourself worrying about your own job security. If your manager was let go in a dirty way, might the same thing happen to you or your department?
  • Will this change help or hinder?” If job security is not an issue, the next question you should ask yourself is whether or not new management has the potential to benefit the company. Was your department doing well under the previous manager, or is there room for improvement? Will someone else in the boss’s chair be a better fit than the previous?
  • Do I want to work for this new person?” After you’ve analyzed the whys and hows of the shift, consider your new leader. What kind of person are they? Do you think you two will get along? What is their management style like and do you agree with it?

Roll with the Punches

If you’ve decided to stay, the best thing that you can do is buckle up and wait. Everyone has something to offer the world, and it’s worth waiting to see what your new leader has to offer. Time to start fresh again.

  • A new leader can be a great learning experience for you. Everyone has a history with their boss (for better or worse), and a new leader means a blank slate. Try and build a positive repertoire with your new manager right from the start to foster a good relationship between the two of you.
  • This can also be an ideal time to reflect on your work and find ways you can improve. You want to make a good impression on the new boss, right? Be your very best at your job. Pick up any slack that you might have been letting build up and turn in all your assignments and projects on time. Rekindle your passion for the job. Use this experience to help you improve.
  • Remember that your new leader is starting a brand new job and will need some adjustment. Managers are people just like you, so be patient if you’re finding yourself frustrated with them. It takes time to settle in no matter where you are working.

Help yourself and your team through this change. It can seem scary and uncertain but think of it as a challenge to help you improve at work.

The Online Shopping Mall is Saving Shoppers Time and Money


Online shopping is big business. Billions are spent every year online, and the choice of stores and the convenience is showing this is a trend that will not go away. However, online shoppers are becoming more savvy on how they spend their dollars, and know that with a little research they can find the items they need at a better price.

If retailers are to stay ahead of the competition they need to find new ways to cater for the new breed of online shopper, and make sure that their brand stays front and centre when shoppers are choosing to buy.

This means putting the customer first and making the online shopper journey as easy as possible. There is a new contender on the market helping make this happen. is revolutionising how we shop online by offering consumers the online shopping mall, all the product they could need on one handy site.

The online shopping mall is the next evolution for retailers

We are all familiar with the shopping mall. In the physical world it is often the chosen destination for shoppers, as they have the convenience of everything in one location, rather than having to visit multiple stores in multiple places.

The introduction of an online mall takes this concept one step further. Not only does it have all the well known and favourite brands in one place, it also has an easy to use search function that helps you to easily see and filter to what the shopper needs, all from the comfort of their own home.

It means it it no longer necessary to visit a physical store, and unlike a normal shop it is available 24 hours a day, seven days a week. The design of the site is also so intuitive, it is leaving other online search tools and market places behind, as those sites now have so many useless products it is increasingly difficult to find what is needed.

In this busy world time is precious, and Buyviu helps speed up the buying decision through its customer centric design.

It is also helping retailers reach new audiences that ordinarily they would not reach due to oversaturation of the online retail world. By locating their products on the site, which then redirects the customer through to the brand site to complete the purchase via an affiliate link, retailers can increase their conversion of new customers, and then work on them via retargeting to turn them into loyal advocates and maximise the life time value potential of each new customer. Using the mall to advertise their products should be a key part of every retailers online digital strategy.

One of the best features of the site is the ability to pull in all the discounted items into the clearance section of the website, and still be able to apply all the necessary search functions and filters.

This is great for the shopper. No longer do they have to head to the nearest clearance outlet and dig through jumbled products and hope what they need is available. It is all in one easy to view place, and will ultimately help them save a lot of money.

This is not just for clothing, the typical online purchase, but for everything you could possible need for your home, work and life. From home appliances, to pet supplies, from clothing for all the family to sports and outdoors and home decor, it is truly a one stop shop.

This is fast becoming the choice of consumers to research pricing and value, because they can see multiple stores and hundreds of products side by side. It amounts to a huge range of well-known brands, but is all the more manageable than using search engines to go site to site. It is no wonder it is so popular.