[{"text_idx": "#000005", "text": "Edrychwch ar ein canllawiau sy\u2019n ymdrin a\u0302 phrynu a gwerthu eiddo."}, {"text_idx": "#000010", "text": "How to save a deposit for your first home"}, {"text_idx": "#000011", "text": "raising a deposit is that you need to save money! Here are some top tips to\nhelp start you on your campaign to turn your pennies into pounds:"}, {"text_idx": "#000012", "text": "realistic monthly saving plan, you can rest assured you have started the wheels\nin motion \u2013 there is a lot to be said for initiating the \u2018saving\u2019! A deposit\ncan seem like a daunting figure, so taking it month by month will take some of\nthe pressure off. Even if you aren\u2019t sure how much you will ultimately need,\nyou can always begin saving."}, {"text_idx": "#000013", "text": "plenty of free online budget templates you can download which will help you to assess\nyour finances. As well as fixed monthly costs, such as bills, you would be\nsurprised how much you spend on seemingly small items. Start this process by\nreviewing your previous months spend to avoid forgetting or being too"}, {"text_idx": "#000014", "text": "overestimating the amount you can set aside each month. Settle on a minimum\nfigure and, if you have an extra good month, you can always transfer some extra\npounds into your savings account. Trying to save too much is likely to put you\noff and leave you feeling disappointed."}, {"text_idx": "#000015", "text": "choose an account, do some research as interest rates can vary. Since saving\nfor a deposit is a long-term goal, it may be that an account which gives you\nbetter interest rates, but does not allow you instant access is more\nappropriate. Take your time working this out as it\u2019s important to make your\nmoney work hard for you! Remember that a savings account is not for life:\nperiodically assess whether moving your savings could be more beneficial."}, {"text_idx": "#000016", "text": "chore of transferring out of your life and transfer the money automatically\nwith a standing order or direct debit. This stop you from thinking, hesitating"}, {"text_idx": "#000018", "text": "struggle; often, the first few months are your best as you are focused and\ndedicated. Since this is a long-term plan, you may need to find ways to\nreinvigorate your savings at varying points, but also remember there are times\nto give yourself a break as long as you continue to save your minimum amount."}]