Last Updated On: July 23, 2014 14:01

Planning to move and looking for ways to give your house more appeal to potential buyers? Or just tired of your current home, but can’t afford to move or do a top-to-bottom remodel? You’re in luck! Even if you’re on a strict budget, summertime home improvements can be accomplished to make you, or a future buyer, really love your home.

Make Small Changes
The smallest changes really can make a world of difference. Switching out cabinet handles, light fixtures, and even faucets can change the entire look of a room and give it an updated feel.

Decorate for Effect
Until you’ve dived in, it really doesn’t seem that simply painting a wall can enhance your home, but you’d be surprised. Adding an accent wall, with patterns or even just a bold color, can make it seem like a whole new living space. If you’re not into painting, adding accessories, such as pictures or wall-hangings, to the room can be a budget-friendly way to change up your home. Mirrors installed in strategic places can also do wonders in creating the illusion of a bigger room.

DIY!
If you have a project in mind that you’d like to complete, check out the internet to see about the possibility of a Do-It-Yourself project. With a simple search in Pinterest for “home improvement projects,” you can get thousands of ideas and step-by-step instructions to lead you into any project you can imagine!

Focus on High-Traffic Rooms
If you are looking to remodel on a tight budget, look at working first on your rooms that see the most traffic to get the best effect. When trying to sell your home, the kitchens and bathrooms make or break a home. Updating these rooms can increase appeal in your home and some updates can be done relatively inexpensively. New paint to cabinets or vanities, new light fixtures, or new flooring can really make a difference in a room.

Boost your Curb Appeal
Simply getting your landscaping into top condition adds so much value to your home. A few strategically placed plants or flower pots can add color and vibrancy, while clearing out any clutter can update the look of your house.

Saving money while improving your home doesn’t have to push you to poor. Even for those bigger, needed projects such as new shingles or adding on, consider a Home Equity loan or line of credit to help keep your budget in check. Just remember, that even these small home improvement ideas can make you feel like you’ve bought a brand new house!

Bookmark and Share Filed Under: Saving Money
Last Updated On: July 08, 2014 10:18

High temperatures bring even higher energy and utility bills. For families looking to save this summer, it’s time to get a little creative! Check out these four tips to help you save.

    1. Use laundry appliances later in the day and line dry clothing whenever possible. Using your laundry machines and dryers can heat up your home significantly. Using them in the early hours or late evenings when your house is naturally cooler can help you not use as much energy to keep cooling it down.
    2.  Use alternate cooking methods. Using a regular oven puts a lot of warm air into your home. Get creative by using your microwave, crockpot, or take advantage of the summer and grill. All of these options use less energy and will not have your AC working overtime to combat their warmth.
    3. Visit with your utility company. Many utility companies offer different programs, discounts, or more tips to help their consumers make the best of their energy usage.
    4. Find cheaper ways to cool your home instead of always blasting the AC. Utilize your windows at effective times as a breeze through the house can make quite the difference in comfort. Fans are also a great way to get some air movement into your home. Insulate your windows and doors so when you are running the AC, the cool air isn’t escaping your home. Lastly, while they may cost more upfront, programmable thermostats, when used as intended, are a very efficient way to not waste energy during times you may not be home.

Saving money this summer on your energy bills is possible! Just be sure to follow these four tips and conserve energy whenever possible to help you save your hard-earned cash to use on fun activities instead of utility bills.

Bookmark and Share Filed Under: Saving Money
Last Updated On: June 23, 2014 15:56

With summer break in full swing for children, parents are kept busy not only with their regular schedules but with all of the extra activities their kids participate in during the summer. While these fun activities are great to keep kids busy and active while they are not in classes, the costs of these programs can start to put a strain on any parent. From swimming lessons to softball to 4-H and FFA programs, children (and, therefore, their parents) need to purchase equipment and supplies required for each different activity. All of these programs are great for children – teaching them teamwork and social skills that may not be possible in the school setting, so finding a budget-friendly way to take part in all of these activities is a must for most parents. Here’s a few tips to save a dollar or two on your kid’s summer plans.

  • Buy used. Children grow quickly and change their minds. The expensive glove you bought for their first year of softball will last maybe a season. Don’t waste your hard earned cash on something that may be only used ten times. Search through garage sales, ask your friends who’ve had kids in the sports before, or visit a nearby used sports equipment store.
  • Carpool. Carpooling can save you both time and money. Find a parent with children in the same activities and offer to take turns dropping off and picking up kids from the scheduled practices.
  • Don’t overdo it. At the beginning of the summer, plan a meeting with your family and decide how many different activities that your budget (and sanity!) can handle. With multiple children, if you let them be in every program possible, you’ll be running around non-stop, handing out cash, and not enjoying the summer.
  • Pack your own snacks. Concession stands and fast food stops can rapidly drain your budget. For games, pack snacks. For all day tournaments, pack whole meals. This is not only a budget-friendly option, but usually the healthier option for you and your kids.
  • Start saving in advance. Planning for these activities year round will make them less of a burden come time to pay for program fees and equipment purchases. Consider starting a savings account solely for this purpose.

These summer activities and programs can add up, but if you do your research and spend a little bit of extra time, following these tips can end up helping you and your children enjoy the great weather and freedom summer brings while not ruining the family budget.

Bookmark and Share Filed Under: Saving Money
Last Updated On: June 03, 2014 11:59

You’ve decided that it’s time to start looking for a home of your very own, but the thought of taking that next step scares you.  We’ve compiled a few helpful steps for you to follow to help make that home buying experience more enjoyable.

 Step 1.  Check your credit report.  It’s a good idea to first start out by knowing about your past credit history.  If you notice any problems on your credit report be sure to take care of them as soon as possible.  Taking care of any problems will help save you headaches down the road when you start the loan application process.  

 Step 2.  Put together a budget.  Compile a list of expenses that you accrue on a monthly basis.  Knowing this information will give you a better idea of where your funds are going.  You can then take this information with you when you meet with a mortgage lender.

 Step 3.  Save, Save, Save.  In this beginning stage of the home buying process it’s very important for you to save as much as you can.  The money that you save will need to be applied towards a down payment and closing costs.

 Step 4.  Choose a lender for your loan.  Sit down with a lender and go over the budget that you put together.  Get preapproved through the lender and get exact numbers as to how much of a house you can afford.  Ask them any questions you might have about the whole process of purchasing a home.

 Step 5.  Start your home search.  Now that you’ve met with a lender and are preapproved for a loan, you have an idea as to how much of a home you can afford.  This step of the process should take some time.  Make sure you are 100% confident in the home you decide on.  Look over every aspect of the home and make note of any possible issues that you see.  Any overlooked issues in the home can come back to haunt you after you’ve made the purchase.

 Step 6.  Purchase your home.  Once you have made your final decision on the home and have agreed on a final purchase price it’s now time to buy the home.  Before you sign anything make sure you are well aware of the mortgage process as well as finalizing any details with the seller.  Having full knowledge of it all will make the process less stressful and more exciting.

Last Updated On: May 07, 2014 10:32

Whether you are graduating from high school or college, having a good knowledge of finances can help you make that transition to life in the real world a little easier. We’ve compiled a list of helpful financial pointers for new graduates to follow that will hopefully alleviate some of the stresses of continuing life after high school or college.

  • Have an emergency fund. There are many things in life that can happen unexpectedly. Radiator goes out on your car, you accidentally go over on your phones data plan, or the water heater decides to call it quits. These expenses sometimes happen all too often so it’s always a good idea to put some money away just in case.
  • Establish credit if you haven’t already done so. Starting the process of establishing credit is something that is very important but should not be taken lightly. Signing up for a credit card and making sure your bills are paid on-time are big steps to helping establish credit, and good credit at that. If you do decide to sign up for a credit card, make sure you have reviewed all the terms on the card and to not charge something unless you know you’ll be able to pay it off. Making sure your bills are paid on-time and credit card balances are paid off ASAP will really help your credit situation and set you up for success in the future.
  • Only borrow what you need for student loans. Many new high school graduates are looking to further their education at some sort of college or trade school and will have to figure out how to pay for that education. Student loans are a popular option. Remember to only take out what you will need for your schooling. Taking out additional money will only increase the debt you’ll have to pay off once your schooling is complete.
  • Research and sign up for health insurance. Having health insurance is another important step to take when venturing out on your own. If you’re not currently covered under your parents plan then it’s time to look at getting covered. Health insurance plans can be expensive but not having it can be way more costly. Take the time to research what’s out there and get yourself covered.

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