Current Statistics ►

Estimates recently published in the ONS’ survey on ‘Families and Households: 2017’ show that the number of families in the UK have increased by 8.1% over the last ten years to 18,997,000.

Married couples and those living in civil partnerships are the most dominant group, with civil partnerships driving the growth of this group, increasing by 66.7% (versus 4.8% for married couples) particularly at younger age groups.

14 million dependent children are currently estimated to be living in families in the UK. It is, however, families with no children or no dependent children that were more common. Some 6.6 million (40%) 15-34 year olds live with their parents.

The ONS suggests that the larger numbers of young adults tending to stay at home for longer may be explained by staying in education and training for longer, formalising relationships and having children at older ages, and increased costs in renting or buying a home.

September 2017

After months of hard work, our new website finally went live over the weekend and is looking fantastic! Why not have a good look around and see what amazing new features and information are included. 

www.heather-lay.co.uk

 

 

Natalie took part in the Cancer Research Race for Life Pretty Muddy on Sunday 3rd September. It was "pretty muddy" due to the Cornish Autumn weather, but a brilliant time was had by all and Natalie raised a fantastic total of £183.00 for Cancer Research!

August 2017

h_l_banner

Our new banner has arrived today ready for tonight, and it looks great!! We are proudly sponsoring the Pink Wig event which is part of Falmouth Week and raises funds for vital research projects, the best care for breast cancer patients in Cornwall and a safer future for the next generation.​

How to save a deposit for your first home

How to save a deposit for your first home

Property The Guild of Professional Estate Agents 25th November 2016

The bottom line of raising a deposit is that you need to save money! Here are some top tips to help start you on your campaign to turn your pennies into pounds:

·         With a realistic monthly saving plan, you can rest assured you have started the wheels in motion – there is a lot to be said for initiating the ‘saving’! A deposit can seem like a daunting figure, so taking it month by month will take some of the pressure off. Even if you aren’t sure how much you will ultimately need, you can always begin saving.  

·         There are plenty of free online budget templates you can download which will help you to assess your finances. As well as fixed monthly costs, such as bills, you would be surprised how much you spend on seemingly small items. Start this process by reviewing your previous months spend to avoid forgetting or being too optimistic.

·         Avoid overestimating the amount you can set aside each month. Settle on a minimum figure and, if you have an extra good month, you can always transfer some extra pounds into your savings account. Trying to save too much is likely to put you off and leave you feeling disappointed.

·         Before you choose an account, do some research as interest rates can vary. Since saving for a deposit is a long-term goal, it may be that an account which gives you better interest rates, but does not allow you instant access is more appropriate. Take your time working this out as it’s important to make your money work hard for you! Remember that a savings account is not for life: periodically assess whether moving your savings could be more beneficial.

·         Take the chore of transferring out of your life and transfer the money automatically with a standing order or direct debit. This stop you from thinking, hesitating or reallocating those funds.

·         Your family and friends will understand your goal – so ask them for support. Find cheaper midweek deals to meet with friends and swap dinners out for a nice meal in. 

Saving can be a struggle; often, the first few months are your best as you are focused and dedicated. Since this is a long-term plan, you may need to find ways to reinvigorate your savings at varying points, but also remember there are times to give yourself a break as long as you continue to save your minimum amount.

 

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