I just want to send a quick message to you to wsh you a merry christmas and hoping you all a happy new year.
2010 I feel will be a year of massive change in the way we look upon how we live and conduct business within our homes. I look forward to this.
Be safe on the raods and hopefully we will talk next year.
Regards
December 25 2009 | Uncategorized | No Comments »
The fact of todays market means we all need to all be careful with all our money.
A few years back when I had too much time on my hands I got hold of a good friend of mine and started to produce some material to help people save money and outline steps for buying a first home. Unfortunately this didnt quite get finished in the form that I wanted but hey at least I learnt alot from writing it.
I dont think there is any way of learning more than actually trying to write a book about it. But thats a new story.
For the last few weeks I have been working with some friends of mine who are looking into buying their first home. They have had all the questions in the world and are getting their way through all of them. But there has been one strong thing that has come to light. One has been the planning needed and the other being their financial position. Both are very much needed to make sure success will happen when buying your first home. The one thing you need to plan for is that interest rates are going to go up which will mean the costs will go up in time!
For this reason I thought I should share some of the material that we made a few years ago. The information is fairly common but it is important:
The amount of money needed to actually survive is a surprisingly small amount. No matter how much money you have to live on, there are always a number of ways that you can reduce your out-goings so that you can make those dollars stretch further.
Up until the Second World War most people counted their wealth not only in terms of money but also in terms of how lucky they were to have family, housing, food on their table and good friends. The depressions prior to the war taught people that being rich wasn’t necessarily how much money you had in the bank but the quality of life that you lead.
Since then the war of materialism has become more and more popular with people wanting to “keep up with the Jones’”. Buying things on hire purchase so that you can have the product today has become the normal way of obtaining goods.
As reliance on ourselves and our bank account increases, and a desire to be dependant on the family decreases, we only have our own resources to help us out when we suddenly find ourselves in a financial bind.
Because we have limited resources, we have to plan much more carefully what we are going to do with our money.
If we are travelling in our car to a particular destination and we know we only have quarter of a tank of petrol, we calculate how far we are going to get on that quarter of a tank of petrol so that we don’t get stranded before we reach our destination. Why don’t we show the same care and attention to the amount of money we have in our pocket?
The main reason that people get into a financial mess is because they do not plan their finances.
IF YOU FAIL TO PLAN THEN YOU PLAN TO FAIL!
YOU NEED TO PLAN YOUR FINANCES
THE PLAN OF ATTACK
We must:
I hope this information helps in some way. I am no financial adviser but the basics are important. If you want a copy of the entire book, their are 6 – 60 page booklets that you can download from my server.
All you need to do is just email me.
December 17 2009 | Uncategorized | No Comments »
Should a Green home or a sustainable home be called instead a smart home?
When you think about it when you are planning to build yourself a green home or you’re going to renovate your existing home to a green home you look at the potential products out there which will serve you two basic principles. These been to save you money in the day to day running of your home which will become a sustainable option to the environment on a larger scale and also you look at making the home sustainable for your own self which means the home can look after itself.
Green building is so much more than saving energy or reducing a home’s environmental footprint. There are a few other things that a green home can do for you as well.
New Zealand is rich in resources and values and I believe that creating smart homes here would be a great benefit to society and to all the individuals who live and build them. The housing industry needs to shape up with the way they build houses here in this country. New measures need to be made to future proof and smarten up the houses we build.
So green housing isn’t just an economy thing it is about creating smart homes and future proofing.
There is more on this topic at this Healthy Home Website
December 02 2009 | Uncategorized | No Comments »
