A Fool and His Money

Getting a mortgage is something that people have great difficulty with at the moment. This is largely because the mortgage market has struggled in the wake of the recession but it is on its feet again after a testing few years. As a result, mortgages are becoming more available, although there is still caution within the market.

Due to this air of caution surrounding the mortgage market, contractors are often left without anywhere to turn. Mortgage lenders are apprehensive about lending to contractors and they often turn down their applications, choosing to lend to those with permanent contracts with their employers instead.

However, there are specialist mortgage lenders that are dedicated to helping contractors in particular. Contractor mortgages are available if you know where to look. Even first time buyers can take advantage of contractor mortgages offered by lenders who tailor their packages according to the nature of the work you do.

When looking for mortgages for contractors, it is important to talk to people who understand precisely what being a contractor means. When you know someone understands your predicament you have greater confidence in the service they are likely to provide.

If you have struggled in your search for contractor mortgages in the past, it is time to narrow your search and speak to contractor mortgage specialists.

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It’s important to try and think of ways you can save money of some of the more expensive aspects of your day to day life. When you tot things up, you’ll often find that certain essentials cost you an awful lots of money and it is crucial to get these costs under control.

One of the things that can end up costing you a fortune is eye care. If you wear glasses and go for regular eye tests then you could end up paying a fortune year in year out to make sure your eyes are in good condition and to update your glasses when you fancy a change.

These costs are essential because you should never neglect the health of your eyes. Equally, you shouldn’t have to make compromises on your appearance just because you can’t devote loads of cash to designer frames. Fortunately, it is possible to find cheap prescription glasses online.

Cheap prescription glasses allow you to take advantage of great design at lower prices than you can expect to find on the high street. This is a great way of helping you bring some of those absolutely essential expenses under control and it will motivate you to take care of your eyes more keenly.

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We all know times are tough and we all have less money to play with, but don’t let that spoil your fun!

If you are a fan of online bingo, then there still games you can play on a budget. One of the best I’ve found is Bingo Lite from tombola bingo. Tombola Bingo have created a game that lets you have the same buzz as you would get from Bingo 90, only you can play longer and pay less!

You can get your hands on a ticket for just 2p, or a strip for 10p, but you don’t get peanuts for peanuts in this game! You still have a choice of five rooms and a jackpot of £100 (not bad for a 2p investment)…

If you are an early riser or late sleeper, then you can also check out the LINK bingo games with the chance to win more cash. Every half an hour between 1am and 9am, the five Bingo Lite rooms link together for a bigger and even better game.

This is just one of the games available on www.ohmybingo.com, so if you’re looking for fun that only risks a few pennies, I seriously recommend you go and take a look.

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Computer games are more popular today than they have ever been. Of course, games have been popular as early as Pacman, Mario, and Sonic, but nowadays, they have totally eclipsed these old school titles. This is mainly due to online gaming. Financially, online gaming isn’t actually expensive.

For those who own a PS3, it is free of charge all year round, whereas Xbox 360 owners must pay around £50 a year. The chance to play against anyone in the world, in your favorite games is totally addictive to most. This doesn’t help retail shops though, as a lot of online gaming games are bought online.

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Finance is a huge dictatorship in the way we live. Without finance, we couldn’t afford basic survival tools (i.e. a house, heating, water, electricity, gas etc). However, finance these days is majorly overlooked.

With people spending large quantities of money on products and services, which aren’t necessarily needed, they are not only wasting their own money, but also giving a helping hand to the recession. Overdrafts are a lot more common now then they were, with people opting to carry out a subject at university (i.e. due to the recession), and therefore needing large loans which take along time to pay off.

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Poverty is something that is surprisingly rather popular. Across the world, there are poverty stricken people and families. This is mainly due to finance, or rather poor finance. Drugs and alcohol abuse never help financial situations, as with the current recession, drug dealers can pretty much name their price and addicts most usually accept to help get their fix.

Not only is it drug abuse, but theft or tragedy s can bring about poverty. Flooding, war struggles and other natural disasters can leave people stranded and homeless. The government helps tackle this by providing shelters for poverty stricken individuals to live in, which in turn, helps keep them off the street.

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Footballers have a very easy life. Sure, they must take part in year long seasons, face the wrath of rival fans, and possibly receive the odd bad tackle here and there, but really, that is all worth it. Financially, footballers receive the most money than almost anyone in the world.

It is surprising really, considering that ultimately, all they are doing is kicking a ball around the field, to help please the public. Some footballers receive from £10,000 a week, to the horrendous £250,000 a week, a figure that many don’t even acquire in a lifetime (i.e. £13,000 a year for a hundred years is only £130,000).

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Retail stores are known for their lack of high payment. Sure, retail workers are expected to work hard for their money, and noone said that retail work was ever easy, but still, it pays lesser than office and bar jobs. Retail jobs are one of, if not the biggest private and public type job going.

This is because every region has supermarkets which provide stock and foods, vital to one’s life. A usual payment per hour from a retail store is £6 an hour. They are usually around, or just above the national average (which at the moment, is around £5.80 an hour).

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Although we seem to be having a late summer at the moment the long term forecast for this autumn and winter will be cold weather and temperatures dropping to as low as minus 20 Celsius.
So, it is imperative that we reduce our energy bills as much as possible. Here are just a few examples of how to this:

- Check that you are with the cheapest and most efficient energy supplier. Customers could save up to £250 a year by switching providers.
- Before the big freeze, it is wise to have your boiler fully serviced, if you haven’t already had it done this summer. If your boiler is really old, get it replaced as soon as possible because this could save you £225 a year.
- Ensure that your home is fully sealed as cavity insulation is still the most effective energy-saving measure. Loft insulation itself can result in £40 a year savings for the average house.
Don’t forget to increase your winter cosiness by blocking all drafts especially if you have single-glazed windows and doors. Draft excluding on its own could save you £25.
- To conclude, don’t forget to monitor your energy output this winter. Eon are currently supplying free energy monitors to their customers. Or you if you aren’t an Eon customer you can buy one from electricity-monitor.com.

For more information on energy saving please click here.

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On top of the news that higher earners will no longer received child benefits, Chancellor George Osborne has announced plans for a cap on the amount of benefits one family can claim.
On Tuesday he announced that the Government intends to stop anybody, except the disabled, claiming more in benefits, in one year, than the average wage. The average wage being what a family gets for going out to work, which is currently £26,000 per year (£500 per week).
The cap scheme, which might be introduced in 2013, could affect up to 50,000 families.
Jeremy Hunt, the Culture Secretary, has indicated that the cap will encourage claimants to take responsibility for the number of children they have. Although he denied that the government would be penalising large families.

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