Nobody actively chooses to accrue huge amounts of debt. Debt is stressful and it can make your life utterly miserable, particularly if you end up homeless and alone because of your crazy, out-of-control spending habits. Yet millions of people do end up in debt and spend years fighting to claw their way back out of the mire.
There are many reasons why people end up in debt, but it is not always their fault. For example, say you are diagnosed with a critical illness and you do not have any insurance to cover your lost earnings. It won’t be long before you fall behind on the rent or mortgage payments.
Is this just bad luck or could you have done things differently?
The best way to avoid ending up in debt is to be disciplined about your financial planning. Life has a nasty habit of throwing curve balls in our direction, so it pays to be prepared. In the case of the example above, b
How to Avoid Ending Up in Debt
Working from home can be an amazing thing. You’ll get to avoid those early morning chats by the coffee machine, being pestered by your boss, and you’ll be able to avoid that stressful commute every morning and evening. If you do decide to work from home, you’ll need a place to work which is separate from the rest of your home, and allows you to work without being distracted by anything. This is why many people have opted to build their own office in the garden, and here’s how you can too… Planning permission If you want to build an office with a bigger area than 15m2, you will need to consult your local authority for some planning permission. You will most likely need to follow some simple regulations such as the location and fire safety when you come to build the structure so make sure to check with the relevant people. Choosing the right size Once you’ve gained the accepta Building Your Garden Office From The Ground Up
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