Wishful home buyers should plan their Christmas shopping now in order to avoid starting the New Year bogged down in debt – a guaranteed way to spoil any well-intended deposit saving plans.
I know, we all say it every year: “Next year I’m going to do my Christmas shopping early” – but few of us do. And if you’re serious about buying a home, starting the New Year bogged down in Christmas debt is going to set you back.
According to research, Australians are notoriously bad at racking up debt over Christmas. A national study commissioned by Aussie at the beginning of the year revealed half of Australians accrued one third of their existing debt levels over the Christmas period.
To avoid racking up credit card debt this year, the easiest thing prospective home buyers can do is to kick start Christmas shopping now.
But before rushing off to the shops, it’s crucial to take some time to plan. Work out just how much of your income you can dedicate to Christmas shopping between now and 25 December and just who you need to buy gifts for.
Create a list of gift recipients and the gifts you’d like to buy them and cross-check these against your budget to determine presents you can afford.
Building a decent size deposit is the most powerful weapon any first home buyer can have. Not only can a well-sized deposit get you into the property market sooner, the more you can contribute to your property purchase upfront, the more money you are going to save on your home loan in the long run.
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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.
Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.
If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: Facebook, Twitter and LinkedIn.
If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!
RELATED AREAS OF INTEREST:
Do this one thing before you invest in a commercial SMSF property
Why is investing in commercial property in an SMSF so popular?
Premium property declines while affordable properties on the rise
AREAS MENTIONED:
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RELATED AREAS OF INTEREST:
Why I still buy in Sydney
Property market update: Sydney, July 2018
Sydney rental market slowing, latest research finds
AREAS MENTIONED:
Revesby
South Hurstville
Sans Souci
Strathfield
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RELATED AREAS OF INTEREST:
What makes a good investment suburb?
Two components of good investment research
How Greta purchased four properties in a year
AREAS MENTIONED:
Redcliffe
Port Macquarie
Loganlea
Launceston
Raceview
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