It is an odd time for those who are in the buy-to-let game. George Osbourne’s so-called “tax time bomb”, set years ago by the then-chancellor is set to hit landlords with regulations and taxes remove a great degree of profitability from the market. This has led to many headlines across the press claiming that the uptake of regulation is the death knell of the buy-to-let market for many keen investors.
It’s not all doom and gloom, however. The property market in many parts of the UK looks set to be sunny in outlook, with great opportunities for property investors to turn over money in places that are on the way up. One place that’s identified as fertile ground is my hometown of Glasgow. With buy-to-let yields hitting 7.8% on average, it’s certainly an area to think about.
A lot of regeneration has made Scotland’s largest cities one of the most desirable places to live in the UK, and today we will look at where is the best place to look for a profitable property.
When you’re at university, you may have the first taste of adult freedom in the form of moving into a flat or student accommodation. Ask most people who have lived in student accommodation what their diet was like and they’ll tell you some culinary horror stories, but also with a hint of nostalgia and a sense of good times. Moving into your own place when you’re 17, 18, or 19 may present the first time that you’ll have ever had to cook for yourself, and as anyone who’s been through it themselves, it’s no picnic (quite literally).
The first trip that many of us take to the supermarket without adult supervision to stop you from buying a bucket of Haribo gives many of us an idea of how much food can cost. You get to the checkout and the cashier tells you the price and something clicks; “food is bloody expensive!” With this in mind, here’s some top tips for students designed to help you make your money go a little further at meal times.
If you’re like me, and have the attention span of a gnat, you might find yourself sitting in on a Saturday afternoon with the walls closing around you, bored to tears and the thought of spending your precious weekend watching countless hours of Murder, She Wrote and Dickinson’s Real Deal. Fear not my frugal friends! Having had a lifetime to perfect how to have a fun-filled day for less, here are five of my favourite places to see/visit when I’m counting my pennies. All are either free to visit, or won’t break the bank and I’d heartily recommend them to anyone thinking of visiting Glasgow.
1) The Glasgow Botanic Gardens
Any time there’s even a suggestion of sun or blue sky in Glasgow, there are a few things you can expect to see. One is the off-grey torsos of Glaswegians who have opted to go “taps aff” in an effort to soak up some elusive Vitamin D. The other is a busy Botanic Gardens. Located in the city’s illustrious West-End, the Glasgow Botanic Gardens have provided a green space for the people since 1817. The park is full of botanical curiosities from the world over, and if you find that your caught in a predictable Glasgow down-pour, you can always take shelter in the iconic Kibble Palace.
The iconic wrought-iron glasshouse was erected in the park in 1873, and it’s temperate climate allows for tropical and exotic plants to flower. If you’re passing by on a November evening, be sure to jump in for a wee heat, and a look at the impressive pond that lives in the palace’s main lobby. There’s plenty to see in the main park itself, including a cafe and the long abandoned Byres Road subway station for those with an adventurous streak!
2) Kelvingrove Art Gallery
There are few places in the world that are able to say that they boast a museum collection as diverse as art by Dali and Picasso, a 1940’s Spitfire, and a stuffed giraffe, but Kelvingrove Art Gallery. The museum is free to entry and lauded as being one of the best museums to visit in the UK. On the basement floor there is a cafe with an impressive lunch menu, but if you’re only in looking for a coffee to keep you ticking over, a vendor on the ground floor will keep you right.
There is such a wonderfully diverse collection of things to be found in the Kelvingrove art gallery that I think you would struggle to see everything in a day. A great deal of collections are covered in the stunning Victorian gallery, and throughout your visit you can expect to see collections from Ancient Egypt, the history of Glasgow, French Impressionists, the Dutch Renaissance, and an impressive selection from the natural world. If you’re lucky you might be able to time a visit with a performance on the museum’s massive pipe organ.
3) The Ben Nevis Folk Session
If you were to go for a stroll in Glasgow’s Finneston area as recently as ten years ago, you would find the shell of a city that once had a proud ship building tradition. A place were jobs thrived and money was made. The removal of heavy industries from Glasgow was a difficult and uncertain time for the city and the Finneston area was littered with empty buildings and ‘for sale’ signs. Now, much like the rest of the city, it has reinvented itself for the 21st century.
Many of the trendiest drinking spots can be found down by the Clyde at Finneston. Bars like Distill, the 78, and Lebowski’s have come to represent Glasgow’s flair for reinvention. No pub in the area better blends the old and the new than The Ben Nevis. If you were to pop in for a reasonably priced pint at the Ben Nevis on a Thursday or Sunday night, not only would you find a fine ale and the world-famous welcoming atmosphere, you’d also get some of the best live folk music the city has to offer. Only for the cost of a pint of Tennents! Not bad..
4) Lawn Bowls In Kelvingrove Park
Not many folk know that the bowling green that lives in front of the aforementioned Kelvingrove art gallery is free to use to the public. So if you feel like you need a bit of fresh air having gone for a wander round the galleries, why not stop in and put your skills to the test? The combination of patience, technique and sheer bloody luck make the Kelvingrove bowling club a must visit for those trying to do Glasgow for less!
5) Tennents Tour
Scotland may be famous for its whisky, but Glasgow in particular is famous for its Irn Bru, and its Tennents lager. A cold pint of the Wellpark nectar is a must for any night out. If you want to see how the city’s favourite pint comes into being, why not book a place on the brewery’s tour. Adult tickets only cost £7.50, plus you get free samples at the end. It really is a no brainier
, and a perfect way to see what’s brewing in Glasgow. (Sorry).
Applying for a mortgage? Here’s what you need to know:
Okay, you’re ready to make that big jump – buying a home is one of the biggest commitments that you are ever going to make. We have put together 5 important tips that will help you organise yourself to ensure you apply for the right mortgage to make the process that little bit easier.
Buying a car is usually one of the most expensive purchases we make in our lifetime, maybe only second to buying a house or a flat. So, it is important to consider the different options that are available to you. Here is an overview of different finances available.
As you probably already seen on the news, our current Chancellor George Osborne delivered our budget to parliament on 18th March 2015. However, in what may come as a surprise, a lot of people are unaware what the budget actually is. Simply put, the budget is a plan on how the government will spend the country’s money for the next 12 months. This is an annual process and is always conducted by the Chancellor of the Exchequer. The government will decide how much they are going to spend, and on what services they are going to spend it on: housing, schools, and hospitals, defense etc.
Being a generally frugal person, I am always on the lookout of ways to save money wherever I can, without you know, living under a bridge or something. So, while thinking of this bridge, and then subsequently of how much I love my house, I decided to think of the ways that I save money around the home and what I could do to save even more.
When you move into a new home, energy suppliers might not seem like much of priority but what if you’re missing out on good deals for the sake of taking the easy route? Take meter readings and get in touch with your property’s current supplier to make sure you are getting the best possible deal you can from them. Continue reading “New Homeowners Checklist”
Have you ever considered changing energy suppliers? Does it seem like a lot of hassle for very few benefits? You are not alone. According to a recent study, 33% of Brits are concerned about their energy bills but almost half of British bill payers admit that they don’t feel it’d save them much money and a quarter said that shopping around would be “too much hassle”.