Archive for June, 2013

Cosmetic changes that can transform a home!

There are cost-effective ways to transform your new home. Perhaps you want to change the look of your home but a major remodel or professional construction project is out of the question. Here are some DIY ideas that won’t break the bank and will revamp your new property.

Repaint and revitalize. Never underestimate the difference a coat of paint can make in a room or even one wall.

Update your hardware. Replacing the fixtures on dresser drawers, kitchen cabinets and bathroom vanities is simple. Accessories like doorknobs, and even hinges can look dated. Spice up a space by swapping out the existing hardware and make it your own.

Sand and stain. Don’t like your kitchen cabinets but aren’t ready to completely renovate? No problem, as long as they are in good condition, you can paint or stain your existing cabinets. Be sure to do a test on the inside of a cabinet that won’t be seen to make sure you get desired results.

Counterculture. New counter tops drastically change a space and are available at most home improvement stores in standard sizes at a reasonable price. They are precut and ready to install.
New stream. Faucets in the kitchen, tub, and sinks can be changed. They should correlate with the rest of the style in the specific room.

Get floored. Tiles can be inexpensive and transform a kitchen, bath or mudroom.

Kitchen views. You can switch out a kitchen backsplash without moving cabinetry or appliances, and the sky’s the limit in terms of color and style.

Categories: Finance, General Tags: , ,

Making a Smooth move!

The buying or selling process of your home can be stressful, especially when mixed with the emotions that come with moving to a new neighborhood.
Below are a few tips that will help your children cope with these changes:
1. Be positive about the move. Your emotions can set the mood for the entire experience. Remain positive and upbeat about the changes that lie ahead.
2. Answer questions openly and honestly. Make sure young members of the family know they can count on you for answers. Their questions will give you an idea of how they are feeling about the situation and can guide your efforts to help them relax.
3. Assign young family members specific tasks. Help everyone get involved by creating a to-do check list, then assigning age-appropriate tasks to each member of the family. Creating a sense of ownership can give everyone a feeling of responsibility.
4. Plan ahead. Before the move, start investigating programs and activities that your family would enjoy. Register your children for sports programs or other activities similar to the type of activities they will participate in. You want them to be introduced to other people of their age and start making friends as soon as possible.

Seven ways to build up your credit score to be eligible for the best interest rates!

June 25, 2013 2 comments

Credit reportCredit score requirements for loans are higher than they have been in the past, so a good credit score is more crucial than ever. In today’s economy most lenders are looking for credit scores of 720 or higher to secure a low mortgage rate. Here are seven ways to build up your credit score so you can enjoy the best interest rates available.

Request your credit reports and assess the situation. Credit bureaus (,, are required to provide you with a free credit report every year. Nationwide consumer reporting companies get their information from different sources, the data in your report from one company may not reflect the same data in your reports from the other two companies, so request all three.
Check to verify all of the information is correct. If there are any errors, contact the bureaus immediately.
Your payment history accounts for 35% of your score, so make sure payments are on time every month.
The amount owed is 30% of your score. A good rule is to use less than 10% of your credit available on each individual card.
The length of your credit history accounts for 15%, so maintain your accounts instead of closing them. You are not penalized for available credit.
New credit is 10% of your score and every time you apply for credit an inquiry is added to your report, which drops your score.
Types of credit used accounts for 10%. Installment loans like vehicle and personal loans demonstrate you can manage various long and short-term credits.

Categories: Finance

How to host successful yard sale!

During the summer months, homeowners across the country host yard sales. Our tried-and-true tips will make your summer sale a financial success!

1. Advertise. Hang brightly colored signs around your neighborhood and remember to display signs in high traffic areas, even if it is a few miles from the actual sale. Revisit the signs the day before the sale and add balloons to attract attention. Don’t forget to advertise on Facebook, Craig’s List or even in a newspaper ad.
2. Plan ahead. Make your sale as convenient as possible for shoppers, this means a prompt start, plenty of change, even light bulbs, power strips and batteries on hand to assure customers electric items work properly.
3. The price is right. Realistically price your items, remember, it’s a yard sale. Visit other sales prior to your own to get an idea of how to price your items.
4. Sell what sells. Sporting goods, toys, games and kitchen tools are popular buys, donate outdated clothing and discard any recalled items.
5. Curb appeal. Make your sale efficient and inviting. Everything should be clean and orderly with prices conveniently placed on the top of all items.

Categories: Finance

The best time of year to buy certain household items

June 19, 2013 3 comments

Best time to Buy

Who doesn’t love a deal? The list below is possibly the best time of year to buy certain household items in order to score the biggest bargains.
January: Furniture, new flooring, and bedding and linens
February: Air conditioners and older model televisions that will soon be moving out for newer models
March: Gardening tools, china, and flatware
April: Vacuum cleaners
May: Barbecue equipment, patio furniture, and home office furniture
June: Tools
July: Kitchen appliances, such as refrigerators and ranges
August: Linens and storage containers
September: Grills and lawn mowers
October: Appliances and clearance patio furniture and outdoor items
November: Electronics, appliances, and tools
December: Televisions, electronics, and small appliances like toasters and blenders

Measure Your Yard For Potential Danger!

■ Are your steps and sidewalks clear, and free from toys, tools, ice and snow?
■ Is your yard free from glass, nails, yard tools and any other sharp items?
■ Do you check play equipment and lawn furniture for safe use?
■ Are clotheslines strung high – so no one will walk into them?
■ Do gardeners wear protective clothing and limit time in the hot sun?
■ Does the person using the power mower wear sturdy shoes?
■ Are children kept away from power tools when they’re in use?
■ Are gas and charcoal grills kept clean and lit carefully?

Categories: Home Maintainence
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