Tag Archives: money

How To Save Money & Stress When Moving

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How To Save Money & Stress When Moving

We all know the cliche about moving house being one of the most stressful and expensive things you can ever do. But those negatives aren’t necessarily as inevitable as you might think they are. There are so many ways in which you can reduce the costs associated with moving, while also making the process as minimally stressful as it can be. And that’s exactly what we’re going to talk about today. Read on and benefit from these tips:

Plan Your Move Around Your Work Schedule:

If you can schedule the day of the move for a time when you’re not going to be working or when you can book paid leave from your job, that’s the right thing to do from a financial standpoint. People often think about the fees and costs of moving to a new home, but the money you lose by being forced to take unpaid time away from work is something that also shouldn’t be ignored.

Declutter Before the Move:

Your move will be a lot less stressful for you if you can take the time to declutter your property beforehand. Spending time, energy, and money moving things that you don’t even want or need is pointless from an efficiency and financial point of view. By clearing out your property today and simply getting rid of the things that you really don’t need anymore, you’ll be able to avoid that level of wasted resources.

Try to Move Off-Season if Possible:

The costs associated with moving differ depending on the time of year. If you want to move in summer when everyone else is also trying to move house, you’re going to face higher demand and competition for people looking to secure the services of good movers and solicitors. The process will also be longer as well as more expensive because of the delays caused by that high demand for the necessary professional services.

See if You’re Entitled to Any Discounts:

When looking to secure the help of moving professionals, you should take the time to see if you’re entitled to any discounts often offered by those kinds of services. For example, people over a certain age level, students, and people who have served in the military or government agencies are very often entitled to discounted services. It’s a great way to save money, so don’t miss out if you’re entitled.

Work with Reliable Professionals:

Working with reliable moving professionals who are going to be able to make the move as smooth for you as it can be will make your life a lot less stressful. The right moving professionals have the knowledge and experience necessary, which will help alleviate some of your worries. Try to find people who are skilled and trusted in their niche – that applies to movers, solicitors, and everyone else in between.

Source Free Packing Materials:

Sourcing packing materials is one of the best ways out there to save money. If you’re paying for boxes and tape and all of the other wrapping and protective materials you need, you’ll be wasting money. All of that stuff is out there and you can usually get your hands on it very cheaply. Ask around because everyone has boxes that they no longer need after their own house move. Better still, find a moving company that offers this stuff at no extra cost to you.

Saving yourself stress and time when moving house is essential to making the experience a more positive one. Get started with the tips above so you can focus your attention on the more pressing matters of your move.

Featured Image By: Pixabay

Three Steps To Add Value To Your Home

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Three Steps To Add Value To Your Home

If you might be moving in the future, try to think about some of the best ways of being able to improve the value of your home and add appeal to it. When you’re looking to sell for a high price, it is important to think about the changes you can make that will allow you to be successful with this. Make sure you do as much as possible to present and provide a home that will be appealing to owners and add value to any sales price.

Work out what you can do to take things to the next level in your home to blow potential buyers away. Here are some of the most essential things that play a part in this and there is no better time than the present to get started!

Extend:

Extending your home is one of the best ways to add value to the home. Whether this be a sun room in the back of your home, building a second or third floor, or simply adding some additional bathrooms, your property value is sure to go up with these fixes because you will have more home to sell!

Sort the Garden Out:

Improving on the landscaping in your back and front yard are also surefire ways to add more value to your home. You can do so much to sort the garden out and add value, like hiring a tree company to remove the trees with problematic branches in your back garden, installing a koi pond, or – if you really want to go wild: building a new green house or shed.

Get a New Boiler:

There are a lot of changes that will help you when it comes to improving your home’s value, and one of the key things you can do to achieve this is to install a new boiler. There are a lot of factors that you should think about here, and a new boiler can make all of the difference to helping you improve the functionality of the home, as well as being able to boost the value as well in the process. Don’t forget to get all of your appliances repaired before you put your house on the market, too.

From extending your home to tending to the landscaping, there are ample ways for you to add more value to your property. For an even bigger boost to your curb appeal, give your home a fresh coat of paint and use a statement color for your shutters or front door!

Featured Image By: Pixabay

Why You Should Plan For Retirement Early

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Why You Should Plan For Retirement Early

Despite how important retirement is, a lot of us leave planning to the last minute. You might plan to get around to it soon, but ‘soon’ can easily become ‘next year’, and then it’s too late. Most people don’t know how much cash they will need to retire securely, and many don’t have a pension at all. It’s never too early to plan for retirement so get started with the tips below:

When Do You Want To Retire? When Can You?

Think about your ideal retirement and look at your finances to start planning from tomorrow. This will help you to work out if there is a distance between when you want to retire and when you actually will be able to. Are you hoping for mortgage-free living in retirement or will you live in a retirement community? Do you want to enjoy your retirement with travel and restaurants? Try to work out how much you expect to spend each month.

By working out these things early, if you find you can’t reach your ideal retirement with your current finances and the rate you’re saving at, you can work out how much more you will need to set aside each month in order to actually reach your retirement goal. If you don’t get prepared, you could end up with a lot less saved up than you expected. Your goal of retiring at 60 could easily get pushed back to 65, and then 70.

Delaying Could Cost You Thousands:

If you start saving for your retirement at 30, you can save less money each year than if you start saving at 50, and still end up with the same amount in your retirement fund. Every year that you put off planning for your pension means that you will have more catching up to do later on, which is when you will likely have more outgoings, thanks to a growing family or a bigger mortgage. In the future, you won’t thank your present self for a lack of planning for your retirement.

Retiring Isn’t Always A Choice:

You might think of retirement as a milestone for later in life, but sometimes the choice of when you retire is not up to you. You might have to retire earlier than you wanted to due to poor health, a change in family circumstances, or a redundancy. There are lots of reasons that you might find yourself having to stop working earlier than you had planned to. If you don’t plan for changes of circumstances like this, there can be a lot of problems. Trying to support your family or pay your mortgage on a smaller pension than you had planned for would be a big issue.

Planning early is important when it comes to your retirement, so get started ASAP!

Featured Image By: Unsplash

Bored At Home? Try InboxDollars!

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Bored At Home? Try InboxDollars!

Hey! I don’t know about any of you, but there was a point in my life when I would do online surveys like it was my job. I tried a multitude of different websites but when I found InboxDollars, I stuck with it and have been using it for years. In fact, I just got myself a thirty dollar Amazon gift card from my earnings and was able to purchase all of my skin care for the next few months for a song.

If you are bored at home and looking to make an extra buck, then I can’t recommend InboxDollars enough. The best part about this website is that it isn’t just endless surveys. You can answer trivia questions, open paid emails, play games, clip coupons, online shop, and watch videos to get you closer to your ten dollar cash out goal. Once you have enough earnings, you can collect cash or gift cards to restaurants and online retailers.

InboxDollars is a great way to kill some time and I go on it once daily to at least open some paid emails and answer their daily trivia question. You can spend as little or as much time on it as you’d like and not only is it an easy site to maneuver but it’s fun, too! If you are interested in signing up for InboxDollars, please use my referral code and I can help show you the ropes. 🙂

https://www.inboxdollars.com?rb=78080190&ref_src=link

Which online survey sites do you use? What are your thoughts on InboxDollars if you have used it? I want to hear from all of you, so leave me a comment and let’s chat! Much love. -Sarah

Saving Energy: 3 Steps To A More Efficient Home

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Saving Energy: 3 Steps To A More Efficient Home

Are you looking to cut down on your carbon footprint or do you only want to reduce the amount you are spending on household energy? If you want to increase your home’s energy efficiency, you need to do more than just reducing the amount of energy. You should figure out the areas that use energy, how it is wasted, and ways to use it more effectively and efficiently. It all starts with making simple changes around the house that would significantly impact the environment and your energy bills.

If you are unsure of where to begin, here are some tips that can guide you to make your home an energy-saving haven:

Improve your Home Insulation:

Insulating your home in the right way helps to preserve heat during winter and keep out the heat during summer. It also reduces the amount of fuel you burn to warm the house, reducing CO2 emissions into the air. Insulating your house is a cheaper alternative to using power-hungry air conditioning units.

If your home does not have proper insulation, much of the heat will get lost through the roof, walls, windows, and floors. Not only does it become expensive to heat, but it also becomes challenging to maintain the heat. You don’t have to spend much to improve your home insulation. Small home improvements can have a significant impact on your energy conservation.

For example, you can use spray foam to insulate your walls and prevent them from losing heat too quickly, saving you money while also reducing the energy you use. The correct spray foam insulation temperature should be around 120 to 140 degrees Fahrenheit.

Turn Down your Thermostat:

Reducing your heating is an excellent approach to reducing the amount of energy you spend every month. It may be a hard feat to enact during winter because of the extremely low temperatures. However, you do not have to overdo it. You can save a lot of money by just turning your thermostat to a few degrees lower.

If your house gets cold, throw on a sweater or a robe and invest in thermal curtains that you can use during the winter months. A smart thermostat can also help you save energy more efficiently since it allows you to heat only the rooms you are using and control the temperatures from your smartphone.

Avoid Leaving Appliances on Standby:

Appliances still consume electricity even when on standby, provided they still have a connection to the power source. This includes devices such as microwaves, printers, washing machines, TVs, and laptops. Once you finish using an item, switch it off by unplugging from the power source. It can help you save more than $30 every year on energy.

As you can see, you do not have to spend too much time or money to make your home energy-efficient. You can cut your energy bills by following the above simple steps. Remember, when your home is well insulated and energy-efficient, it will not only help you save on costs, but it will also lead to a cleaner and greener environment for everyone.

Featured Image By: Pixabay

4 At Home Issues To Handle To Ease Your Mind

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4 At Home Issues To Handle To Ease Your Mind

Life is hard sometimes. It’s an amazing adventure that we’re all lucky to embark on, but that doesn’t mean it’s not going to be full of stresses and strains to our mental well-being along the way. For some reason, life likes to throw curve balls at us in order to challenge our will and capabilities. That’s okay, though, because the harsher times allow us to really appreciate the good ones.

Something that a lot of us have to deal with from time to time is anxiety or an obscene amount of personal stress. While this isn’t the most convenient set of feelings in the world, they’re pretty common. They can also be helped and lessened quite easily if you know how to attack the route of the issue.

Most of the time, the root of the problem is right at home. If we’re not content in our abode, then everything else can feel toxic. Everyone’s domestic life is different, obviously, so spoon-feeding you solutions probably won’t work. Here are a few suggestions, however, that could do your mind a world of good:

Create a housework routine:

Doing things around the house can feel so draining – especially when you’re not used to doing them. Leaving them and holding off for ages seems okay at the time, but you’ll eventually have to do the jobs, and the longer you leave them, the more work you have to do. If you get into a systematic routine, you’ll get things done quickly, and it’ll all feel like a cakewalk. Plan out a daily cleaning routine so normal messes don’t turn into huge disasters.

Reconcile issues with those in the house:

When something’s weighing on your mind, it can affect how you behave day-in-day-out. You need to open up and talk about things with others – especially if there’s some awkward tension or friction there. The best thing to do, always, is to talk things out and get to the bottom of whatever is going on. Even if the outcome is pretty negative, it is still an outcome and closure – you can move on accordingly.

Take care of tedious tasks:

We all have annoying aspects of the home that need to be seen to. A lot of people, however, get on with life and don’t get them handled. They just plod along and get upset whenever they see the things that need to be changed or fixed. It’s understandable as there are many important aspects of one’s life, but everyone has the same twenty-four hours. Get in touch with an electrician if you think your wires are on the fritz. Speak to a plumber who can deal with the awkward piping and boiler situation you may have. Don’t leave things until they go completely kaput.

Take a look at finances and spending habits:

Our bank accounts and our outgoings can put us under a lot of pressure – sometimes unnecessarily. Take a look at how you’ve been behaving financially over the past year or so. If you’re doing okay for money, then, by all means, continue enjoying what you do. If you’re a little tight for cash right now, then you might want to look at your situation and do a little revising for emergencies.

Feeling good starts in your house. Take care of what you can DIY and, as always, call in the professionals when you need help!

Featured Image By: Unsplash

5 Ways To Reduce Home-Buying Anxiety As A Seller

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5 Ways To Reduce Home-Buying Anxiety As A Seller

As a property owner, you understand what it feels like to buy a home. Although you can’t wait to locate your ideal house, there’s also a sense of tension. With the figures involved, the last thing you want to do is spend money on a dud. Plus, it doesn’t have to be a dump – you may learn to hate it over time because it isn’t perfect.

Buying a home is easily one of the most stressful experiences ever. However, sellers aren’t exempt from the sensation. When your property is listed online or with a traditional realtor, you must make the interested parties feel as at home as possible. Those who are tense and anxious will instantly dislike the house and choose another property.

You already have a lot on your plate since buyers are incredibly picky, which may make you annoyed and frustrated. It wouldn’t surprise you the number of homeowners that think selling up is a mistake! Still, reducing a buyer’s anxiety levels is vital as it will give them a warm, fuzzy glow, and once they connect that with your house, they won’t want another property.

Here are the five best ways to make investing in your home as stress-free as possible:

Offer Flexible Viewing Times:

Flexible viewing times are the least you can do to welcome potential buyers into your home and give them a grand tour. By all means, discuss the optimal periods with your realtor and let them advertise the information accordingly, yet if they call at 6 PM and ask if it’s okay to pop around for thirty minutes, you should say yes.

There’s no doubt that it gets in the way of your routine, but half-an-hour is a small sacrifice if it boosts the odds of offloading the property. An excellent middle ground is to stage an open house. That way, you can house as many people as will fit throughout the day. The fact that an open house viewing lasts from the morning until the evening is ideal from a flexibility perspective. People will be less anxious when they know that they don’t have to rush.

Spruce Up The Exterior:

In many ways, the exterior of the house is the most important feature. The interior is important, too, but buyers are happy to see the building’s foundation as they want to stamp their authority on the property. They don’t like a house that’s already furnished and hard (or expensive) to restructure.

The outside is a different animal as it’s the first thing they see when they turn up on the drive. Curb appeal is a fantastic way to impress home buyers, and that’s what you should focus on as a seller. Houses that have the wow factor stand out from the crowd in a saturated market place. Therefore, the odds of finding someone who wants to purchase your home are higher.

It’s tough to explain because it’s a feeling. One thing that makes buyers more anxious is the idea that they won’t fall in love at first sight. They won’t if your property omits the elements that are non-negotiable, such as a garden and garage. Not only will these features tick the right boxes, but they’ll also impress the viewers if you take the time to repair impurities and add a lick of paint to make it shiny.

keys1Home sweet home!

Check For Signs Of Pests:

You may assume that you’d know if you were sharing your home with pests. Most people do, which is why it comes as a shock when buyers spot the signs and point them out during a viewing. Aside from blindsiding you, it also ruins any shot you have of closing the deal, with current viewers or future ones. It’s a small market and word travels quickly.

Pests make people anxious because the last thing they want to do is move in and realize critters are running amok. Thankfully, you would notice if big pests were residing in your property. Still, smaller insects are harder to spot as they can seem like the norm.

Mosquitoes are everywhere, so it’s not as if there’s an infestation. At least, that’s how it appears, yet Mosquito Authority points out that people should enjoy their gardens and pools without swatting away flying insects. If your home has water features and dense vegetation, there’s a good chance that the mosquitoes aren’t just visiting.

Other creepy crawlies to watch out for are termites, roaches, and ants as they’re inconspicuous enough to go under the radar.

Respond ASAP:

Whatever your decision, you should respond as quickly as you can to an offer. For buyers, it’s tempting to see meaning in the tiniest of things, so not hearing from a seller will send them crazy. The Balance recommends breathing techniques for people who get stressed out while waiting to hear back about an offer!

Don’t worry if you aren’t going to give them the news they hoped for as it’s part of the process. Remember – the sooner they understand that you want more money, the quicker you can come to an arrangement. Of course, if you leave it for weeks and assume that they don’t have the money, you’ll reduce the chances of securing a compromise.

In reality, their realtor has probably told them that you’d come back with a counteroffer, so they’ll be prepared to increase the bid or take themselves out of the running. You control the outcome, meaning you’re in charge and hold all the cards. Remember that the next time and try and empathize with the people who are desperately waiting to hear if they have a new home or need to make another bid.

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Pexels Image

Accept Cold Feet:

Cold feet – everybody gets them. It’s not rare for sellers to back out of deals because they hate the idea of moving. As a result, you shouldn’t lose the plot if a buyer starts to have second thoughts. Firstly, it may be nothing more than a ploy to reduce the value of the property. Lots of sellers have fallen for it and dropped the asking price out of desperation.

On the other hand, they could genuinely be worried about the prospect of buying your home. In that case, there isn’t much you can do but hope that the feeling passes and the buyers come to their senses. Sure, offer them another viewing if you believe that it will set the story straight, yet there’s no reason to bend over backward.

With the figures involved, the likelihood is that they’re second-guessing the decision and nothing you do will change that. Instead, the trick is to hold firm and wait. In the meantime, you can continue to talk to other parties and line-up another buyer in case the agreement falls through. Whatever you do, please don’t contact them in-person and harass them as you’ll only increase their anxiety.

Anxiety can kill a deal, regardless of how much you attempt to ease a person’s nerves. The key is to eliminate the tension from the moment they view your property by boosting its curb appeal and fixing flaws, whether they are apparent or hard to spot. Good luck!

Featured Image By: Pixabay

3 Key Ways To Impress A Home Buyer

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3 Key Ways To Impress A Home Buyer

Are you thinking about selling your home soon? If so then you need to make sure that you are taking the right steps to impress potential buyers. Steps like the following:

Ensure The Property Is In Tip Top Condition:

If you are trying to sell someone your home, they aren’t going to be interested unless you have got it in tip-top condition. All of the repairs should be done. There should be no peeling wallpaper or paint coming off of the walls. Nothing should be broken or look like it is about to be broken. All of the holes in the wall should be filled and anything else that takes away from the condition of your home needs to be sorted out.

If you are not marketing your property as a fixer-upper, then that is not what people expect to see. People will only pay your asking price if they are impressed with your home, and if it looks as though it’s going to need a lot of money poured into it to restore, this isn’t going to happen. As well as making all of the necessary repairs, check that all the decor is up to standard, no paint on the floor, and so on. All of the rooms in the home should be clear and tidy, and you can even look into master bedroom organization tips to keep your room looking awesomely neat.

Don’t Forget About Curb Appeal:

The first impression that anyone has of your home is when they see it from the outside. If you haven’t focused on the curb appeal of your property, and it looks like a mess from outside, they are already going to have this opinion of the home in their head by the time they come inside. This could be detrimental to the possibility of a sale, so you must be careful with this and take the time to improve the outside of your home.

It doesn’t have to be a lot to make it impressive. Simply keep the grass at a reasonable length, add some flowers for decoration, and perhaps a plant pot or two. If the actual house itself looks as though it could use an update, do this too. It might feel like a lot of work for a home you are moving out of, but you can get the money back through the sale, so it’s not the end of the world.

Include A Few Unique Features:

Finally, you need to make sure that you are thinking about adding some unique design options to your home. Don’t forget that there are going to be a few different properties around your neighborhood that will undoubtedly be on sale at the same time. You’ll need to make sure that your home stands out from these. One of the best ways to do that is with a few unique features One of these could be a water feature at the front of the home. These can look incredible and are cheaper to set up than you might imagine. There are even DIY options to explore.

We hope that you have found this article helpful, and now understand some of the key ways to impress a home buyer. Good luck!

Featured Image By: Pexels

Going From Renter To Homeowner The Easy Way

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Going From Renter To Homeowner The Easy Way

If you are keen to put down roots but you are used to being a seasoned renter, you might not know where to begin when it comes to home ownership. The thought of buying a piece of real estate and taking out the largest loan of your life to afford it can be terrifying but it can also give you the chance to build up equity and have your own little patch of bricks and mortar. Home ownership is still a luxury for many. However, if you have the cash saved up, you no longer want to move from rental pad to rental pad, and you’d rather not throw money at a faceless landlord, you need to read this guide to help you go from renter to homeowner the easy way:

Finances:

The most important part of buying a house is making sure that you have your finances in order. It’s all too easy to go house hunting without sorting out your home loan and property lawyer first. To make life easy for yourself, begin saving your hard-earned cash as soon as you have an inkling that you want to buy. Don’t venture into your overdraft for at least three months prior to putting an offer in on a house and demonstrate to home loan lenders that you are a responsible borrower. This means paying off the full balance of your credit card each month and not being flash with the cash, paying out for big-ticket items like new cars or luxury holidays. Be frugal and you could find more favorable home loan interest rates available to you.

Moving:

When you are renting, it can be difficult to get your lease end date and your moving date into your new pad merging together perfectly. While the second-best option would be to collect the keys to your new dwelling prior to your lease ending so you can move your items from one place to another, it doesn’t always work out like that. If you need to move out of your rented home before completing your property purchase, you may need to look into storage units to house your furniture, heirlooms, and items for a short while before you can eventually start setting up house. While timelines can get a little muddled, don’t allow your logistics to get in the way of signing for your home.

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Image by cottonbro on Pexels!

Location:

If you know the area that you want to move to, it still always pays to do some research. If you’re looking to outperform the market and you don’t mind having a go at some home renovations, it can pay to buy the worst house on the best street. If you are wanting to buy in a well-established and highly desirable area but don’t have the budget, this can be the ideal way to get your foot on the property ladder. Hold some cash back from your deposit and change up the kitchen, put some more modern decor into your new living spaces, and give your garden an overhaul. Doing this will increase the value of your first home and leave you more equity in your bricks and mortar. This is key if you are looking to move again in the future.

You don’t have to rent forever. Take the plunge and you can evolve from seasoned renter to homeowner!

Featured Image By: Pexels

Why Debt To Success Could Aid You And Your Career

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Why Debt To Success Could Aid You And Your Career

When we have debt of any type, it can greatly impact our lives, from the way in which we handle our career choices to our personal lives. These issues offer further problems that allow us to be set up to fail. When trying to pay off debt, you may have found the repayments are too much or your debts are not minimizing as quickly as you would have liked. There are options, however.

Debt to success systems have been implemented for a while and provide assistance that could be hugely beneficial to you. They are both transparent and affordable and open to discuss the scheme as well as how it could work for you. If debts are left unpaid, then they can easily spiral and, with added interest and other hidden costs of debts, you can be left with hefty bills for years on end, which is completely stressful for you.

Releasing yourself from the grasps of government chains can be the best way to aid you in moving forward, but with a simple automated system, you can be sure that you can create a positive move. With Debt to Success System, you can learn about the ways that you can start to repay in a neat and secure monthly payment program, which allows you to remove yourself from the throws of debt and move away from the societal schemes that create bigger stresses in our lives.

Why is removing debt so important?

Even if you feel as if you are managing your debts well, you are still tied into a system that is constantly hanging over your head. If your income drops, you are still having to pay that hefty sum of money. Debts can affect all areas of your life, including mortgages and insurance. By paying off your debt in a secure and affordable way, you may find that you have less stress and more disposable income in your life. They say that the average person should be debt free by the age of 58, unless you choose to extend your payments. However, if you are in your early thirties, you may feel that this is a long way off and can really affect the way that you view money. For business, time may be more limited in order to sink finances back into it.

You should also consider using a disciplined budget, which will assist with repayments. If you are struggling with budgeting, then there are plenty of online assistance tools to ensure that you can meet these requirements. You must be sure that you are prepared to rid yourself of debt in order to move forward in business. During the Covid-19 crisis, the amount of debt in the average household has heightened. With job losses and money loss, it is easier to slip into debt. By looking at a system that works such as DTS, you can move towards the business goals that you have really wanted to focus on.

Use the tips above to get your money write and continue moving forward in your life!

Featured Image By: Unsplash