There are a lot of things out there that can slow down or otherwise put the brakes on your mortgage loan, and some of them you might not even think about. Often these things can turn an otherwise solid financial snapshot into something that lenders will view as a bit too risqué. When that happens, your mortgage application will be denied, and then the next lender in line will look even more closely at you and your finances. This can create a domino effect, where each new denial increases the chances that the next lender will deny you. You can end up needing to wait months or even years before things get set right again.
Yep, I wrote about this a while ago, but now it’s finally happening. The Dreaded C-Word
A Credit Card!
Over the last few years, the way student loans work has changed. As of the 1st of September, 2012, every student in England is eligible to apply for loans to cover their course fees and living costs. Given the different types of loans issued since 1990, many people find the student loans system very confusing, as the way each one works varies. The main points to remember are outlined below.
We are a nation of animal lovers. It is estimated that around 14 million households in the UK have pets, which equates to over 71 million animals. Some are a big investment, both in terms of the emotional ties and the money it costs to keep them fit and healthy.
We all dream of the perfect wedding. As soon as the words ‘will you marry me?’ are heard, the plans start and ideas begin to develop. With all the excitement that ensues you can be forgiven for forgetting the odd thing here and there.
Like many of you, there are times when I’ve found myself in extremely tight financial spots and have resigned myself to a frugal, simple and QUITE boring life until I’m back with my head above water. However, slowly but surely, I discovered the wonderful art of living on the most minimal of budgets. I’ve laid out a few of the key things that I learned below:
The other day, I was frequenting a favourite coffee shop of mine and I went the till and then the guy working and he said this to me:
“Medium Vanilla Latte?”
And I looked at him and realised that he had served me enough times for him to learn my order.
In fact, I’d predicted this day would come many a moon ago.
I spend way too much money at this place. pic.twitter.com/QMGo6Gb4
— Emma Barnes (@ejbarnes89) April 22, 2012
I really do! If the server knows my order (it’s acutally usually a small, depending on whether I’m spending time there or not) I have obviously become one of THOSE people. Yep. In fact, George agrees with me.
@ejbarnes89 Don’t be that guy
— George Watson (@B3_George) August 22, 2013
But then again, he drinks hot chocolate at his bank so…
Why is being “that guy” a bad thing?
- I am trying to save money. When I go to get coffee, I am spending money
- I must be in a lot for the server to know my order
- Falling into a pattern so that I’m always served by the same guy!
But then again, one of my favourite personal finance articles ever is this one:
F**K OFF! I like my coffee! over at Sterling Effort.
Basically, on every “Top 10 ways to save money” they list “Stop drinking lattes!” and he goes on to say “It’s okay to indulge a bit, and besides, coffee shops are a good place to get work done for under a tenner”.
So, I don’t feel so bad, but I feel pretty bad, because you know… it’s never happened before that the server knows my order and it’s weird.
But yes, I keep putting pictures of coffee on my Twitter feed and it’s not really a good thing.