The country has been witnessing high rent increments since the financial crisis. It is due to the increased demand to rent and the low availability of rental homes. And as per current statistics, tenants spend about 50% of their income on rent. The percentage may jump to 60% anytime soon.
And this could be heartbreaking for the renters as renters with unmanaged or pending rental payments face eviction. This homelessness due to failure to keep up with the payments is rising in the country. Because of fear of eviction, many individuals skip the bare minimum requirements like food and medicines. It could turn devastating if one continues to thrive in that environment.
You must act wise if you wish to stay within the bills with costly medical treatment that comes with continuous stress and fear. Are you short of cash to pay rent by the month’s end? You can check out mainstream lenders for help. Sometimes, tenants cannot secure cash from them due to bad credit profiles and switch to a broker, only to return dissatisfied. It further complicates the problem. Here you have 2 solutions:
Try convincing your landlord to roll it over to next month.
If that does not work, facilities like very bad credit loans with no guarantor and no broker in the UK marketplace can help you instantly grab money. It helps you deal with the issue independently without involving any third person as a guarantor. Whether it is medical costs or bridging a rental income, you may secure it hassle-free.
It may be one option to check in extreme financial distress and requirement; you must take charge of your finances as a first-time renter.
How To Save Calculative as a Tenant?
If you are renting for the first time, things could be overwhelming. Whether budgeting or saving for your dreams, you must predict and plan finances accordingly. The blog is all about ensuring enough savings to stead past emergencies and uncomfortable financial issues. If you are a first-time tenant seeking solutions to unmanageable finances, this will help.
1) Determine the basics while renting
While thinking about renting a property, here are some major considerations to check out:
- Location and the price of rentals there
- Do you want it furnished or unfurnished?
- What is your budget?
- When do you plan to move in? Landlords generally want the tenant to move in within 1 month of the agreement.
- For what months do you want to rent? Minimum contract terms may vary.
These parameters help you decide on the money you need to move in and plan accordingly.
2) Take some time to visit rental locations
Never apply for a property without viewing it. Analyse different aspects before booking it. When scheduling your viewing plan, keep the following in mind:
- Book your viewing in advance- else you may have to reschedule owing to a packed schedule
- Avoid placing your viewing on Weekends; these are popular days
- Ask the landlord about the area and surrounding facilities
- Speak to the lead rental adviser about potential viewings
These help you decide on the right rental per your preferences and budget
3) Cover and save for initial renting costs
If you are checking rentals as a first-timer, you must take note of costs like- a deposit, up to 1 week’s rent, and a standard security deposit. The standard security deposit is generally 5-week rent, usually less than £50000.
And many landlords ask for the first month’s rent as an advance. So, discussing the requirements with the landlord is a deal. Check for the terms and conditions in the agreement before signing it off. It would help you avoid certain things prohibited by the landlord.
Make out a spreadsheet regarding the costs that come with renting a home. It is important even if you are renting it out for just a month or two. Here are some costs that you must budget for:
- Gas, electricity, and water
- Council tax (full-time students are exempted)
- Provide proof of income over 2.5 times the rent
4) Rent a house in sharing/ find a roommate
To some, especially married couples, sharing may not suit them, while students or unmarried employed individuals can think about this. Chances are, some landlords may be strictly against it. However, if there is no such restriction and you can share it with anyone, it could be profitable.
It would help you reduce 40% of the rental and the other costs associated with that (mentioned above). It is why many young professionals and students often look for a partner to split the cost of renting.
But before inviting someone to the agreement, conduct due diligence. You would not want problems to kick in from the first moving day. Research everything about the shortlisted person and decide whether he would align with your lifestyle or could be a problem.
5) Slash your outgoings to ensure a long stay
As a first-time buyer, you first must figure out your lifestyle. To do this, you must list your expenses, including the essentials required for survival.
Apart from sorting out the bills, gas, electric, and water bills, you must list the unexpected leisure expenses that your lifestyle covers. To maintain a good relationship with your landlord, you must ensure essential rental and these costs.
For example, if you miss rent consecutively for 2 months, your landlord may figure out ways to evict you. It may impact your relationship with your landlord. Also, missing the council tax may lead to court trials. And if you continue to miss your rental payment, it may drop your credit score too.
If you cannot arrange for the full rent and need money now urgently, tap some quick cash loans for help. These loans are same-day offerings and require just income proof to qualify. It helps settle the dues in no time- keeping the relationship intact with the landlord. Meanwhile, you must acquaint the landlord with your financial situation and the rental delay. It would grant you some more time to arrange for the money.
6) Check out the insurance policy
Though the landlord is responsible for the maximum number of things in a rental, it is ideal for safeguarding your finances with insurance coverage. It would help you cover any accidental damage, additional costs, etc., that you incur as a tenant on the property.
Here are some other tricks to save as a tenant:
- If you need to cover a small distance- walk instead of hiring a cab
- Shop for groceries online. Beware of impulse purchases
- Keep the electricity off when you are away
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Regardless if you believe in God or not, this message is a “must-read”!!!
Throughout history, we can see how we have been carefully conditioned to come to this point where we are on the verge of a cashless society. Did you know that the Bible foretold of this event almost 2,000 years ago?
In the book of Revelation 13:16-18, we will read,
“He (the false prophet who deceives many by his miracles–Revelation 19:20) causes all, both small and great, rich and poor, free and slave, to receive a mark on their right hand or on their foreheads, and that no one may buy or sell except one who has the mark or the name of the beast, or the number of his name.
Here is wisdom. Let him who has understanding calculate the number of the beast, for it is the number of a man: His number is 666.”
Speaking to the last generation, this could only be speaking of a cashless society. Why? Revelation 13:17 says that we cannot buy or sell unless we receive the mark of the beast. If physical money was still in use, we could buy or sell with one another without receiving the mark. This would contradict scripture that states we need the mark to buy or sell!
These verses could not be referring to something purely spiritual as scripture references two physical locations (our right hand or forehead) stating the mark will be on one “OR” the other. If this mark was purely spiritual, it would indicate both places, or one–not one OR the other!
This is where it comes together. It is shocking how accurate the Bible is concerning the implantable RFID microchip. Here is information from a man named Carl Sanders who worked with a team of engineers to help develop this RFID chip:
“Carl Sanders sat in seventeen New World Order meetings with heads-of-state officials such as Henry Kissinger and Bob Gates of the C.I.A. to discuss plans on how to bring about this one-world system. The government commissioned Carl Sanders to design a microchip for identifying and controlling the peoples of the world—a microchip that could be inserted under the skin with a hypodermic needle (a quick, convenient method that would be gradually accepted by society).
Carl Sanders, with a team of engineers behind him, with U.S. grant monies supplied by tax dollars, took on this project and designed a microchip that is powered by a lithium battery, rechargeable through the temperature changes in our skin. Without the knowledge of the Bible (Brother Sanders was not a Christian at the time), these engineers spent one-and-a-half-million dollars doing research on the best and most convenient place to have the microchip inserted.
Guess what? These researchers found that the forehead and the back of the hand (the two places the Bible says the mark will go) are not just the most convenient places, but are also the only viable places for rapid, consistent temperature changes in the skin to recharge the lithium battery. The microchip is approximately seven millimeters in length, .75 millimeters in diameter, about the size of a grain of rice. It is capable of storing pages upon pages of information about you. All your general history, work history, criminal record, health history, and financial data can be stored on this chip.
Brother Sanders believes that this microchip, which he regretfully helped design, is the “mark” spoken about in Revelation 13:16–18. The original Greek word for “mark” is “charagma,” which means a “scratch or etching.” It is also interesting to note that the number 666 is actually a word in the original Greek. The word is “chi xi stigma,” with the last part, “stigma,” also meaning “to stick or prick.” Carl believes this is referring to a hypodermic needle when they poke into the skin to inject the microchip.”
Mr. Sanders asked a doctor what would happen if the lithium contained within the RFID microchip leaked into the body. The doctor replied by saying a terrible sore would appear in that location. This is what the book of Revelation says:
“And the first (angel) went, and poured out his vial on the earth; and there fell a noisome and grievous sore on the men which had the mark of the beast, and on them which worshipped his image” (Revelation 16:2).
You can read more about it here–and to also understand the mystery behind the number 666: https://2RUTH.ORG
The third angel’s warning in Revelation 14:9-11 states,
“Then a third angel followed them, saying with a loud voice, ‘If anyone worships the beast and his image, and receives his mark on his forehead or on his hand, he himself shall also drink of the wine of the wrath of God, which is poured out full strength into the cup of His indignation. He shall be tormented with fire and brimstone in the presence of the holy angels and in the presence of the Lamb. And the smoke of their torment ascends forever and ever; and they have no rest day or night, who worship the beast and his image, and whoever receives the mark of his name.'”
Great hope is in our midst, and is coming in a mighty way–the greatest revival for Jesus in the history of the world where we will see the most souls come to Him of all tribes, tongues, nations, and peoples (Rev. 7:9-10); for we have this promise in God’s Word in the midst of these dark times:
“Then I saw an angel coming down from heaven, having the key to the bottomless pit and a great chain in his hand. He laid hold of the dragon, that serpent of old, who is the Devil and Satan, and bound him for a thousand years (not literal–rather a spiritual label for time spent in eternity); and he cast him into the bottomless pit, and shut him up, and set a seal on him, so that he should deceive the nations no more till the thousand years were finished. But after these things he must be released for a little while (when the Antichrist and false prophet will rise up and God will test the world).” (Revelation 20:1-3)
“The coming of the lawless one (the Antichrist) is according to the working of Satan, with all power, signs, and lying wonders, and with all unrighteous deception among those who perish, because they did not receive the love of the truth, that they might be saved. And for this reason God will send them strong delusion, that they should believe the lie, that they all may be condemned who did not believe the truth but had pleasure in unrighteousness.” (2 Thessalonians 2:9-12)”
Who is Barack Obama, and why is he still around?
So what’s in the name? The meaning of someone’s name can say a lot about a person. God throughout history has given names to people that have a specific meaning tied to their lives. How about the name Barack Obama? Let us take a look at what may be hiding beneath the surface.
Jesus says in Luke 10:18, “…I saw Satan fall like lightning from heaven.”
The Hebrew Strongs word (H1299) for “lightning”: “bârâq” (baw-rawk)
In Isaiah chapter 14, verse 14, we read about Lucifer (Satan) saying in his heart:
“I will ascend above the heights of the clouds, I will be like the Most High.”
In the verses in Isaiah that refer directly to Lucifer, several times it mentions him falling from the heights or the heavens. The Hebrew word for the heights or heavens used here is Hebrew Strongs 1116: “bamah”–Pronounced (bam-maw’)
In Hebrew, the letter “Waw” or “Vav” is often transliterated as a “U” or “O,” and it is primarily used as a conjunction to join concepts together. So to join in Hebrew poetry the concept of lightning (Baraq) and a high place like heaven or the heights of heaven (Bam-Maw), the letter “U” or “O” would be used. So, Baraq “O” Bam-Maw or Baraq “U” Bam-Maw in Hebrew poetry similar to the style written in Isaiah, would translate literally to “Lightning from the heights.” The word “Satan” in Hebrew is a direct translation, therefore “Satan.”
When Jesus told His disciples in Luke 10:18 that He beheld Satan fall like lightning from heaven, if this were to be declared by a Jewish Rabbi today influenced by the poetry in the book of Isaiah, he would say these words in Hebrew–the words of Jesus in Luke 10:18 as, and I saw Satan as Baraq O Bam-Maw.
Malie and Natasha are the names of Obama’s daughters. If we write those names backward (the devil does things backwards) we would get “ailam ahsatan”. If we remove the letters that spell “Alah” (Allah being the false god of Islam), we would get “I am Satan”. Mere chance? I do not believe so!
Obama’s campaign logo when he ran as President in 2008 was a sun over the horizon in the west, with the landscape as the flag of the United States. In Islam, they have their own messiah that they are awaiting called the 12th Imam, or the Mahdi (the Antichrist of the Bible), and one prophecy concerning this man’s appearance is the sun rising in the west.
“Then I saw another angel flying in the midst of heaven, having the everlasting gospel to preach to those who dwell on the earth—to every nation, tribe, tongue, and people— saying with a loud voice, ‘Fear God and give glory to Him, for the hour of His judgment has come; and worship Him who made heaven and earth, the sea and springs of water.'” (Revelation 14:6-7)
Why have the words of Jesus in His Gospel accounts regarding His death, burial, and resurrection, been translated into over 3,000 languages, and nothing comes close (the Quran about 110 languages)? Because the same Spirit of God (YHVH) who created all people likewise transcends all people; therefore the power of His Word is not limited by people; while all other religions are man-made, therefore they tend to primarily stay within their own culture. The same God who speaks to all people through His creation of the heavens and earth that draws all people around the world likewise has sent His Word to the ends of the earth so that we may come to personally know Him to be saved in spirit and in truth through His Son Jesus Christ.
Jesus stands alone among the other religions that say to rightly weigh the scales of good and evil and to make sure you have done more good than bad in this life. Is this how we conduct ourselves justly in a court of law? Bearing the image of God, is this how we project this image into reality?
Our good works cannot save us. If we step before a judge, being guilty of a crime, the judge will not judge us by the good we have done, but rather by the crimes we have committed. If we as fallen humanity, created in God’s image, pose this type of justice, how much more a perfect, righteous, and Holy God?
God has brought down His moral laws through the 10 commandments given to Moses at Mt. Siani. These laws were not given so we may be justified, but rather that we may see the need for a savior. They are the mirror of God’s character of what He has written in our hearts, with our conscious bearing witness that we know that it is wrong to steal, lie, dishonor our parents, murder, and so forth.
We can try and follow the moral laws of the 10 commandments, but we will never catch up to them to be justified before a Holy God. That same word of the law given to Moses became flesh about 2,000 years ago in the body of Jesus Christ. He came to be our justification by fulfilling the law, living a sinless perfect life that only God could fulfill.
The gap between us and the law can never be reconciled by our own merit, but the arm of Jesus is stretched out by the grace and mercy of God. And if we are to grab on, through faith in Him, He will pull us up being the one to justify us. As in the court of law, if someone steps in and pays our fine, even though we are guilty, the judge can do what is legal and just and let us go free. That is what Jesus did almost 2,000 years ago on the cross. It was a legal transaction being fulfilled in the spiritual realm by the shedding of His blood with His last word’s on the cross crying out, “It is finished!” (John 19:30).
For God takes no pleasure in the death of the wicked (Ezekiel 18:23). This is why in Isaiah chapter 53, where it speaks of the coming Messiah and His soul being a sacrifice for our sins, why it says it pleased God to crush His only begotten Son.
This is because the wrath that we deserve was justified by being poured out upon His Son. If that wrath was poured out on us, we would all perish to hell forever. God created a way of escape by pouring it out on His Son whose soul could not be left in Hades but was raised and seated at the right hand of God in power.
So now when we put on the Lord Jesus Christ (Romans 13:14), where God no longer sees the person who deserves His wrath, but rather the glorious image of His perfect Son dwelling in us, justifying us as if we received the wrath we deserve, making a way of escape from the curse of death; now being conformed into the image of the heavenly man walking in a new nature, and no longer in the image of the fallen man Adam.
Now what we must do is repent and put our trust and faith in the savior, confessing and forsaking our sins, and to receive His Holy Spirit that we may be born again (for Jesus says we must be born again to see and enter the Kingdom of God in John chapter 3). This is not just head knowledge of believing in Jesus, but rather receiving His words, taking them to heart, so that we may truly be transformed into the image of God. Where we no longer live to practice sin, but rather turn from our sins and practice righteousness through faith in Him in obedience to His Word by reading the Bible.
Our works cannot save us, but they can condemn us; it is not that we earn our way into everlasting life, but that we obey our Lord Jesus Christ:
“Not everyone who says to Me, ‘Lord, Lord,’ shall enter the kingdom of heaven, but he who does the will of My Father in heaven. Many will say to Me in that day, ‘Lord, Lord, have we not prophesied in Your name, cast out demons in Your name, and done many wonders in Your name?’ And then I will declare to them, ‘I never knew you; depart from Me, you who practice lawlessness!’ (Matthew 7:21-23)
“And having been perfected, He became the author of eternal salvation to all who obey Him.” (Hebrews 5:9)
“Now I saw a new heaven and a new earth, for the first heaven and the first earth had passed away. Also there was no more sea. Then I, John, saw the holy city, New Jerusalem, coming down out of heaven from God, prepared as a bride adorned for her husband. And I heard a loud voice from heaven saying, ‘Behold, the tabernacle of God is with men, and He will dwell with them, and they shall be His people. God Himself will be with them and be their God. And God will wipe away every tear from their eyes; there shall be no more death, nor sorrow, nor crying. There shall be no more pain, for the former things have passed away.’
Then He who sat on the throne said, ‘Behold, I make all things new.’ And He said to me, ‘Write, for these words are true and faithful.’
And He said to me, ‘It is done! I am the Alpha and the Omega, the Beginning and the End. I will give of the fountain of the water of life freely to him who thirsts. He who overcomes shall inherit all things, and I will be his God and he shall be My son. But the cowardly, unbelieving, abominable, murderers, sexually immoral, sorcerers, idolaters, and all liars shall have their part in the lake which burns with fire and brimstone, which is the second death.'” (Revelation 21:1-8)