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Easy Money Saving Tips to Buy a House and Lot

16 January 2016

We all dream of having our own house and lot someday, right? Imagine living a life without that nagging feeling of paying rent, confronting your angry landlord for the late payment, and every inconvenience of renting a house. But owning a house and lot is really expensive, so you ask yourself: how can I even start paying for it? Worry no more!

 

Here are sure-fire tips on how to save money so you can get your own dream house and lot in no time.

 

First Easy Tip to Buy a Lumina Home: Do the Math

First Easy Tip to Buy a Lumina Home: Do the Math

 

1. Do the Math.

Create a monthly budget by following this equation: Salary – Savings = Budget for Expenses. Stick to it and make sure that you work within your budget. Every salary pay, take a percentage of that earnings (let’s say 20%), take that fraction, and put it in your savings account. And NEVER touch it unless it’s a must.

 

Second Easy Tip to Buy a Lumina Home: Secure Your Savings

Second Easy Tip to Buy a Lumina Home: Secure Your Savings

 

2. Secure your savings.

Remember, money saved only to be spent the next few weeks is money wasted. So don’t let your savings get jumbled with your budget for expenses. Create a bank account solely for your savings. (And make it a passbook bank account, so you’ll have to spend a lot of time withdrawing the money, not accessible always, and will probably be leaving you with no choice but to keep it.) Also, you can request your HR officer to auto-deduct your desired savings amount and deposit it directly to your savings account.

 

Third Easy Tip to Buy a Lumina Home: Identify Your Needs VS. Wants

Third Easy Tip to Buy a Lumina Home: Identify Your Needs VS. Wants

 

 

3. Identify your needs vs. wants.

Remember, we, humans, tend to stray towards what we wanted, rather than what we need. Stay away from a shopping spree. We should decline unnecessary food trips. Set your mind to what you need rather than what you want. Decide if you want to choose a short-term or long-term happiness.

 

Fourth Easy Tip to Buy a Lumina Home: Cut Your Costs

Fourth Easy Tip to Buy a Lumina Home: Cut Your Costs

 

 

4. Cut your costs.

There are many ways to cut down your costs. To minimize expenses, be wise in spending. Be critical about what you buy. Sometimes, you can get the same quality from different brands with price gap galaxies apart. What you can save in those items can be transferred to your savings account.

 

Fifth Easy Tip to Buy a Lumina Home: Work Hard For It

Fifth Easy Tip to Buy a Lumina Home: Work Hard For It

 

5. Work hard for it.

No pain, no gain. Fall seven times, stand up eight. Be inspired by your goal. Remember, you reap what you sow, so you should push for more to strive for that goal! One day you will achieve that goal, and you’ll be the happiest person alive.

 

There you have it! Just follow these tips, and you’ll reach your goal of buying your first ever house and lot in no time. Discipline, hard work, and perseverance. Remember what these words stand for.

 

And in prioritizing your long time investments like your own dream home, Lumina Homes is one of the top-ranked housing developers that one must consider.

 

Lumina Homes creates numerous affordable house and lot development projects that can be paid for and owned even by the minimum wage earners. You can choose from a wide range selection of their house models as Lumina communities are built in every part of the country.

 

Together with its flexible financing and payment method, Lumina Homes is indeed one of your best choices to grab those great deals in home investment.

 

So, fire up your savings now and be a cool homeowner through Lumina Homes!

 

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For more information on Lumina Homes, contact (0917) 629 6523. Visit our official website at www.lumina.com.ph and like/follow our official online channels: Facebook, Twitter, Instagram, YouTube, Google MyBusiness & Google Maps, Pinterest, Spotify, Viber, Telegram, Lazada, and Shopee.

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