Category Archives: For Your Information

Simple Ways To Cut Down Home Ownership Expenses

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Simple Ways To Cut Down Home Ownership Expenses

Owning a home is a significant investment move. But, unfortunately, the costs involved do not end after your final payment. Whether you paid fully for your home or working with a mortgage, you will still face various home ownership expenses. Some of these are pretty much predictable, while others can take you by surprise. And unless you already have some financial cushioning, these expenses can be a source of stress. So, are you drowning under these waves of home ownership expenses? Use these tips to cut down on how much you spend:

Switch utility and insurance providers:

Suppose you’ve used the same home insurance company, utility provider, or electric company for over a year. In that case, it’s time to shop the market for alternatives, as you may be overpaying at this point. You will be pleasantly surprised by how much utility providers and home insurance providers vary in their price range. Take the time to check other providers and compare their prices and other special offers they may have, and settle for the ones that give you the best deal in terms of service and price.

Try refinancing your mortgage loan:

If you have a mortgage on your property and it’s eating chunks off your income, then you might want to consider refinancing. Thankfully, getting a refinance mortgage quote is easy, as you can do it online. According to some experts, the average interest rate on a fixed-rate loan for 30 years is 3.14%. So, if your current rate is even a fraction higher than that, opting for a mortgage refinancing could help save you hundreds of dollars every month.

You can also speak with a mortgage broker to determine what rate you can qualify for if you refinance or get a refinance mortgage quote online. However, you need to note that refinancing may come with some fees. So, be sure that you intend to own your home long enough to recoup the expenses saved.

Generate income from your home:

An effective way to reduce your expenses is to generate income from your property. Depending on where you are, the size of your home, or your special interests, various options are available to you. One option is to rent out rooms in your home. You can also rent out spaces in your yard for small home dwellers looking for land space for their tiny homes. Another option is to register for short stay hospitality services like Airbnb or rent out storage space in your garage.

Find out if you can reduce your property taxes:

There is always a chance that your property tax is not being assessed correctly. And that’s not all, as you can also enjoy tax breaks for various reasons. Property tax is probably one of your most significant expenses as a homeowner, so it pays to find if there are tax breaks for you or if you’re overpaying.

^^^ Pexels Image

Saving money where you can when it comes to your home will save you lots of stress in the long run. These extra savings will sure come in handy for home ownership surprise expenses that can’t be avoided!

Featured Image By: Pexels

Roof Upgrades Your Home Could Need   

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Roof Upgrades Your Home Could Need   

When was the last time you checked out the roof on your home? Most people don’t look too closely, preferring to call in a roofer from time to time to check it out for them. The roof on your home may be an afterthought, but if you live in an area where your roof could be affected by harsh weather, you should be checking it frequently. The roof is somewhere you should be paying attention to so that you can ensure that you are spending the right money on it when you have to.

Your roof could need the best elastomeric roof coating, extra tiles or shingles. The roof could even have a hole in it and you wouldn’t know. Here are some other upgrades that your roof might need:

Add a chimney cap:

If you don’t already have one, an airtight chimney cap could be the best upgrade that you add to your roof. These are there to save energy and keep your roof looking tidy. If you don’t use your fireplace, you’re going to find that the warm air in the house is going to leak right out of the chimney cap! Make sure that you talk to your roofer about installing an airtight chimney cap and get them to do it ASAP if you want to make sure that you don’t have animals finding their way into your home.

Add eave flashing:

You may have experienced harsh winters, but if you have ever experienced an ice dam, the best thing that you can do is to invest a little more and install eave flashing. This won’t take long, but it’ll form a watertight seal around the eaves so that you can stop your roof from being vulnerable.

Work on ventilation:

Your attic may be something you are planning to upgrade one day but you won’t want to spend time up there if it becomes like a furnace in the summertime. While the heat outside is lovely, your home is not designed to feel as hot as the sun! You should have adequate ventilation in the roof and you should consider installing some sort of ventilation, whether that’s in the form of a new skylight or a new vent in the side of the roof.

Get your gutters upgraded:

You need to have gutters that will have enough space for water to flow down. Gutters get blocked from time to time, but if they are wide enough, this shouldn’t be an issue. Get your gutters upgraded and make sure that you have ones that allow rainwater to travel down them!

Your roof is very important – make sure that you get your roof upgraded as often as it needs!

Featured Image By: Pexels

Repairs That Can’t Wait

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Repairs That Can’t Wait

While some repairs around your home can be done with a bit of DIY, there are some things that you just have to call in the professionals for. No one likes an unexpected bill for something breaking down. However, leaving it to get worse will end up costing you more money in the long run with more extensive repairs or having to buy a new appliance altogether. Today, we are going to look at a few key elements of your home that shouldn’t wait until the last minute if they are on the fritz:

Kitchen Appliances:

The purpose of appliances are to make tasks and chores easier for you. Handwashing dishes is a drag and going to the laundromat can be downright miserable! To keep yourself on easy street, it is crucial to fix problematic appliances as soon as issues arise. An improperly working stove can be dangerous to yourself and your family.

Meanwhile, a refrigerator that is going kaput will force you to throw away its contents as the food will not be safe to eat if its not kept cold. When appliances malfunction, it is best to find a repair person to do it all to save you the hassle from multiple different people coming in and out. For example, you can find quality fridge repair in Barrie that also specializes in washers, dryers, and ovens.

Car Troubles:

Bad breaks and bald tires are incredibly dangerous and even more so when there is inclement weather. Getting your car troubles fixed now will better protect you and your passengers, especially with winter fast approaching. Driving is one of the most risky things that people do every day so you want to make sure that your vehicle is always in prime working order. Getting new tires for the winter is a must and don’t forget your routine maintenance checks and oil changes!

Home Security:

When it comes to home security, it doesn’t just mean your security system. It also includes your windows, doors, and garage door. Any point of entrance for someone uninvited to come into your home should be checked on frequently. Schedule regular maintenance for your home security system and automatic lighting if you have them and call in a repair person immediately for windows and doors. Cracks, weak locks, and warping create a “welcome” sign for burglars as well as pests.

Keep you and your loved ones safe by tending to problems as soon as they arise. Although repairs can be expensive, peace of mind is priceless.

1,000 Day Streak: Complete!

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1,000 Day Streak: Complete!

Hello everyone and welcome to my 1,000th day of writing in a row here on lifewithlilred!! I am so proud to have accomplished this monumental achievement and here’s to 1,000 more days of daily content on my blog. To celebrate, I will be hosting a giveaway for a twenty dollar amazon gift card and the whole world is included! The rules are simple and there will be one week to complete the following:

  • Follow my blog
  • Share this post
  • Like this post
  • Leave me a comment letting me know that you have done all three
  • Bonus point if your comment links to one of your favorite posts on your blog

It’s that easy, folks!

For 1,000 days straight, Lil Red has been dedicated and oh so motivated to deliver fun and fresh content to my dear friends and readers every day. I want to thank each and every one of you for your continued support, which makes all of this more worthwhile than words can say. It means the world to me and I love you all!

What motivates you? What are your writing goals? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Cleaning Check List

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Cleaning Check List

When people think of cleaning their homes, they often think about the usuals of dusting, vacuuming, and clearing clutter. However, there are surely some things that most people forget when it comes to cleaning up their property so let’s discuss a few key areas to tend to during your next cleaning day:

Your Car:

Cleaning up your car isn’t an obvious choice when you are tidying up your home. But, if you’re like me and are constantly throwing Diet Coke cans into the backseat, then it might be time to give your car some love! Purchase some car cleaning products and get to work so your vehicle looks just as nice as the day you took it home. After having a massive clear away in my car, I realized that the incessant rattling of pop cans was something that I could do without!

The Lawn:

Paying extra attention to your back and front yards is another thing that people might breeze past on cleaning day but I promise it is worth the effort. The exterior of your home gives people an instant first impression so why not let it be a great one? Pull weeds, mow and fertilize, and try cleaning the windows you can reach while you are out. A well maintained lawn is some people’s pride and joy. If nothing else, it will be nice to spend some time outdoors. 🙂

Nooks & Crannies:

If all you do when you clean is tend to things on the surface level, then it might be time to engage in a deep clean because there could be a lot of yuck that you are missing. Crumbs and fallen food under appliances or furniture is a welcome smorgasbord for pests. Even forgotten remnants of dinner on the inside of your garbage bin can attract bugs, which would be a horrible surprise when you open the trash can. Pay attention to nooks and crannies as well as hard to reach places. Hard to clean? Somewhat. However, it is imperative to keeping a safe and sparkling clean home.

Frequently Touched Surfaces:

If you have been somewhat lax about cleaning frequently touched surfaces, then there is no better time than the present to start that up again – especially with the rise of the Delta variant. Wipe down doorknobs, telephones, and light switches and don’t forget the TV remotes, computer keyboards, and buttons on appliances. This is a chore that can be completed quickly and is paramount for keeping yourself and family safe.

Of course, cleaning can be a hassle but you will feel so good once all of the tasks are complete, especially the ideas above!

Looking To Move? Here’s Some Advice

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Looking To Move? Here’s Some Advice

Moving house is an exciting, albeit stressful, event in your life. There are so many odds and ends to take care of and it is easy to get overwhelmed. Today, we are going to explore a few areas to help get your moving process started and, hopefully, make it a lot easier on you! Let’s get to it:

Work On Your Credit:

If you are thinking of moving house in the future, then it is important to start working on your credit now. Poor credit can make or break you when applying for a house or a loan. This doesn’t mean you have to go hog wild on making purchases on a credit card. However, it will help if you begin using one for specific things like groceries or filling up your car. And, this should go without saying, but never spend more than you can afford to pay back when your bill arrives.

If you have poor credit, Loan Ridge provides quick loans for Missouri residents even with bad credit and can be an invaluable tool if you use it wisely. Do some research and see if there are similar programs in your area.

Buff Up Your Application:

It is important that your application for a home makes you stand out so what can you truthfully add to yours that will achieve that? Perhaps you just got married and are looking for a starter home. Or, maybe, you have small children and want them to go to school in an excellent district. You could even be running a business and need the additional space. Whatever it is, it should make you seem like you are going to add value to the neighborhood and that is crucial.

Research Moving Companies:

Spending time researching moving companies prior to your move will save you time and a whole lot of hassle. Make sure you select a company with excellent reviews so that you don’t have to deal with damaged property when you are settling in. The movers should be well equipped to handle everything from large pieces of furniture to delicate and breakable items. Be sure to schedule well in advance so you are completely covered on your moving day.

Tour The Property:

Virtual tours of a property really don’t do it justice so do be sure that you are scheduling in person property tours. This gives you a chance to get a good look at your potential home and any repairs or work that might need done on it. A poorly maintained home could end up costing you a lot of money in the long run and you don’t want any unexpected surprises once you are already settled. Talk about a nightmare!

Ease some of the stress of moving with the tips above and best of luck!

Keep It Posted!

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Keep It Posted!

Hello!!! Things have been super exciting here on lifewithlilred as we quickly approach my 1,000 day writing streak and the fun doesn’t stop there. I am so excited to begin a collaboration with Elite Sports and Born Tough to try out and review their products! Once the testing phase is complete, be on the lookout for an off ice photo shoot in the coolest work out shorts imaginable. In the meantime, be sure to check out their website here: https://www.borntough.com/collections/mens-workout-shirts and here: https://www.elitesports.com/collections/boxing-gloves for more from Elite Sports and Born Tough!

And, as always, keep it locked on lifewithlilred for all of the latest and greatest! ❤

Top Tips For Choosing The Right Car For You

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Top Tips For Choosing The Right Car For You

After a house, a car is probably going to be the next biggest and most expensive purchase that you will make. With this in mind, you want to make sure that you do not waste your time and money by picking the wrong one. Here, we look at some of the most important things to think about as you begin car shopping:

What is your budget?

The first step is to determine your budget as your car options will be constrained to what you can afford. This also applies to your monthly outgoings – gasoline, tax, and insurance costs can all come as a surprise if you are not careful with your money.

What are you using your car for?

The next thing you will need to think about is what you are going to do with the car. If you live in a city center and only use your car for shopping and commuting, you should consider the amount of parking space you will have – you might want something small. Conversely, if you live in the country, you should consider how bad the weather gets in the winter and whether you will need a car that can withstand inclement weather – maybe a 4×4. Of course, you might just be after a standard family car or something to have fun in on the weekends, such as a convertible or even drift cars!

What style of car do you want?

You need to consider what you frequently carry and the types of vehicles you prefer. If you regularly do the school run, you will need to plan space for your children. However, if your children are particularly socially active, they may bring friends home, which means you should consider purchasing a car with extra space such as a seven seater.

If you have a dog, consider how much space your pet will require in the boot and whether they will be able to jump up into it. An SUV can also be useful if you have older family members or very young kids because the extra height makes getting into the car easier.

How fast do you want your car to go?

You should consider how fast you want your car to be. Generally speaking, the faster a vehicle is, the less cost-effective it is. If you are watching your monthly expenses, you might want to consider a slower, more fuel-efficient vehicle. If you enjoy the sensation of speed or acceleration, spend a lot of time on the highway or enjoy crowing to your pals about your car, you will want a faster one. More speed comes at a higher cost – at the gas pump, on your insurance, and in maintenance – but a fast car can make some buyers proud every time they get behind the wheel.

Choosing the right car for you and your family involves taking many factors into consideration. It is not a decision that you should rush into – take your time to find the right one for you!

Featured Image By: Unsplash

Wanted: August Guest Bloggers!

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Wanted: August Guest Bloggers!

Hello everyone and welcome to another wonderful month here on lifewithlilred! From my wedding and day trips to beauty and clothing hauls, it has been a content packed summer on my page and I have enjoyed every minute of it. But now, I want to hear from all of you as a featured writer on my ol’ blog. 🙂

August is my favorite time to offer guest blogging on lifewithlilred because I love hearing about everyone’s summer so far and what big plans they have next. For your guest post, anything summer goes! This includes vacation memories, OOTDs, MOTDs, back to school tips, gardening, recipes, and whatever else screams summer to you. If you are interested in being an August guest blogger, then shoot me an email at: sarah.mush6794@gmail.com . I can’t wait to see what you all come up with! ❤

Happy August!

3 Advantages Of Using A Specialist Packing Team When Moving House In Brisbane

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3 Advantages Of Using A Specialist Packing Team When Moving House In Brisbane

Moving house is something that needs to be done with care and within a specific time frame. You will want to hire the best team to assist so everything will be well packed enough to withstand transit. Specialist firms will employ staff skilled in the art of packing a variety of different items. In Brisbane, firms will employ teams of women to pack with care and reduce the chance of anything becoming damaged. For details on this type of service, visit https://packersandmoversbrisbane.com.au/.

So, how can a specialist firm of packers and movers help with your moving needs?

Take Away the Stress of Moving:

To know that someone is taking care of your possessions and knows what they are doing to protect them will take away much of the stress involved with moving. A poll of homeowners suggested that 40% of them considered moving house as the most stressful event in their lives. This was ahead of getting divorced at 34%, having a baby at 31%, and starting a new job at 27%. Okay, this was only one poll, but the proportions of other polls are likely to produce similar results. So, the more we can do to make things less stressful like hiring professional packers to help us, the better.

Insurance:

When you use a specialist firm for moving your items, they will more than likely be fully insured, which will give you peace of mind. With many insurers that householders currently have policies with, their items will only be insured while they are inside the property but not when taken out. There is no need to worry about this, though, or updating your policy for your move when this kind of insurance coverage can be taken care of by your moving firm. This is as long as you choose a firm that does include insurance, either as standard or extra. This will mean that there will be no surprise financial hits likely from the moving house experience.

Bespoke Services:

As an extra part of the moving service, there are firms such as the one in the above link that will employ the services of women for the packing process. The caring nature shown in reality from the proverbial feminine touch is an undeniable one and when it comes to moving, packing is everything for keeping your belongings safe, secure, and undamaged.

Services geared to individual requirements will ensure awkward and difficult-to-move items are allowed for. Although, moving firms will have encountered most items and how to deal with them, from the large and out-sized to the valuable antique.

With all of these headings, it comes down to the same thing. We are taking away the stress from the moving house process, whether it be the general stress of moving, the financial stress reduction from not having to worry about insuring goods while in transit, or the care that will be taken because the objects are not being handled by us.

So, find a packing and moving service that suits you. Make sure that all of the costs are in the quotation and that you will not be charged any extra. For instance, that there are no extra charges for insurance that shouldn’t be included, charges concerning the removal of fridges, or further costs because steps are involved.

Always use a local firm, because they know the best routes and rely on the reputation that they have built up locally. They will want their service to match that expectation so that you can recommend them too. Reliability will mean that your goods will arrive in the time agreed at the other end.

It is, then, just left to say – good luck with your house move. Not that you will need it when the right packing and moving firm is hired!