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Steps to Becoming Mortgage-Ready: What to Do if You’ve Had an IVA or Bad Credit Buying your own home can feel like standing at the bottom of a very tall mountain and looking up. You know the view at the top would be worth it, but right now, all you can see are the obstacles in the way. If you’ve been through an IVA, struggled with bad credit, or made financial mistakes you wish you could undo, that feeling can be even heavier. You might be thinking, “People like me don’t get mortgages.” Or, “I messed up once, so I’ll never be trusted again.” If that’s where your head is right now, let me say this clearly: your past does not disqualify your future . It might slow the journey down. It might mean taking a different route. But it does not shut the door on homeownership. I’ve seen — and spoken to — so many people who believed buying a home was impossible after an IVA or bad credit. Single parents. Couples rebuilding after redundancy. People who were financially responsible for years, hit o...

  Smart Ways to Slash Your Monthly Bills and Boost Your Savings Are your monthly expenses making you feel stressed? Many people face the challenge of rising costs, often leaving them with less money than they planned. You probably want to save more, build your emergency fund, or simply gain better control over your money. This feeling of financial strain is very common. But here's some good news: you can cut your monthly bills without feeling deprived. Small, smart changes to everyday spending habits add up quickly. This article will show you practical steps to reduce your household expenses and start saving more today. Energy Efficiency: Power Down Your Bills Audit Your Home's Energy Usage Knowing where your home uses the most energy is the first step to cutting power bills. Many appliances silently drain power, even when turned off. Use smart plugs or special energy monitors to pinpoint these energy hogs. Then, review your utility bills to see patterns and identify peak...