Rosemary Draper's Blog
The entryway to your home is probably quite small, but you can make the most of your space by pinning down what you really need there. Below, you’ll find some items that you should try and keep around the entry of your home for both design appeal and organization purposes.
A Place For Coats
When guests come to visit, it’s welcoming for you to be able to offer them a place to hang their coats, rather than throwing them into a bedroom or on a chair. You can place coatracks on a wall for easy hanging, giving everyone open access to their coats when they need them. You can even place a coat rack along a stairway hall. This way everything from coats to bags to hats will all be in one place.
Having a weather-resistant rug available in the entryway of your home can help to keep dirt and grime off of the floor.
Every entryway needs some type of storage for items like extra coats, shoes, umbrellas, even bags. You can use an inexpensive shelving system or go as fancy as using a dresser or armoire.
It’s important to have some kind of seating near the entryway of your home. This way, you’ll have a place to sit down and put on shoes. Seating will also help make the entryway more comfortable. Make sure that the seating allows for a casual feel to add to the warmth of the welcome.
Flowers And Plants
Using flowers and plants in the entryway of your home gives guests that welcoming pop of color that will brighten their day. It’s one of the first things that guests will see when they walk up to the front door of your home, so you’ll want to make a good first impression. Shoot for year-round plants that don’t require a lot of maintenance and can be kept up easily no matter what the season.
Once you enter your home in the evening hours, one of the first things you want to do is turn on a light. This is one of the best features for your home to have safety and security when you enter and exit the house. You can choose any kind of light fixture that you want to accent your home in order to bring out the beauty. The only requirement is that you should make sure a light switch is always within an arm’s reach.
Make It Your Own
The most important thing that you can do for your entryway is to make it your own. You can add any kind of accents and features that you choose. The entryway is the first impression that people will get of your home, so make it count!
One of the first and most important things that you should do when you buy a home is to be sure that you’re on top of your finances. Before you even begin the home search, you’ll need to be sure that you have money in the bank and know your credit score. What you really need is a plan.
Set Up A Savings Account For Your Future Home
Having a separate account set up just to help you save for your down payment and other home costs can be very helpful. Find a bank with a bit of a higher interest rate. Often, online banks are your best bet. If you’re able, set up automatic transfers from one account to another for a set amount each month. You’ll be saving before you know it!
If you have no idea of what you want, it will be difficult to understand what you need to do to get there. Typically, it’s a good idea to have 20% of a home’s purchase price saved for your down payment. Putting 20% down also helps you to avoid the additional cost of PMI, also known as private mortgage insurance. Once you have a goal, don’t look at the big picture. Break down your big goal for savings into smaller bits to make it less overwhelming.
Make Savings Automatic
We’ve already mentioned the idea of setting up an automatic transfer, but you can do even more. When you are gifted money, instead of spending it, put it in your home savings account. If you get a bonus from work, save it. If you get a raise, live off of your previous income and use the additional income for savings. All of these little actions add up fast. When you make savings habit, it’s easier to reach your goals.
See Where You Can Cut Costs
There’s probably plenty of places that you can cut costs in your budget. Sit down and see how much your expenses actually are compared to how much you actually do spend. Can you opt out of cable TV? Maybe you can reduce the speed of your internet connection, or find a cheaper cell phone plan. If you take a close look at your expenses, there’s probably plenty of ways for you to cut back and save.
Sell Your Stuff
We’re not talking about selling your essentials, but if you have things around your home that you’re not using, there’s a better use for them. You can probably get some extra cash for these items by selling them. It’s so simple to sell things on the Internet these days that you can make some money and get rid of unwanted things pretty easily.
With a bit of focus, hard work and diligence, you can save up enough money for a down payment on a home. Don’t forget to keep all of the other aspects of your financial life in order such as paying your bills on time and not opening new credit accounts. Good luck with your savings goals!
It’s a difficult time to be a first-time home buyer. Post-recession buyers are wary--and for good reason--of how and when to save money for a down payment on a house. One thing to remember, however, is that it’s always a good time to start saving.
In this article, we’re going to cover the four most useful methods of saving for a down payment on your first home. That way you can feel confident in taking the first and most important step toward homeownership.
Choosing the right savings account
Unlike riskier investments, a savings account is a safe and proven way of building interest and saving for a home. However, not all savings accounts are created equal.
Typically, brick and mortar banks offer interest rates that are low--the current national average is only about 0.06% annually. While these banks offer conveniences such as in-network ATMs and check-cashing, their physical locations make them expensive to run.
Enter the online bank. Since online banks don’t have all of the costs associated with running branches, they can afford to offer better rewards--namely, high-interest returns on your savings accounts.
So, should you take all of your money out of your current savings account and transfer it to an online bank? Maybe. But let’s talk about the benefits of having multiple savings accounts.
Open a dedicated account with automatic deposits
Saving isn’t just difficult due to financial reasons. Managing money also takes time and effort. To simplify this process, it’s preferable to direct deposit or automatically transfer a percentage of your weekly income into your down payment savings account.
While it may seem like pinching pennies at first, even small weekly deposits add up, and within a few years the compounding interest can earn you enough for a higher down payment than you thought possible.
Prioritize high-interest debt now
Have student debt or a car loan that’s keeping you from focusing on saving for a down payment? Oftentimes the best coarse of action is to aggressively pay off high-interest loans. In the long term, this will save you money that can then be used toward a down payment.
For debt that will take several years to pay off, consider refinancing for a lower interest rate, or consolidating your student loans. Speaking with a student loan adviser or financial planner is a good first step to take toward managing your debt.
Make a real budget
Most of us think of a verb when we hear the word “budget.” However, it’s more useful as a noun.
Creating a real budget, whether it’s in Excel, Google Sheets, or with the help of an app, having a budget you can refer to once a week is vital to making good savings decisions. It will help you monitor your spending and stay on top of your savings goals.
Want to hire a moving company to help you transport your belongings to your new address? You're in luck, as many world-class moving companies are available in cities and towns nationwide.
Ultimately, there are various factors to consider as you try to differentiate one moving company from another, including:
A top-notch moving company probably will possess many years of experience. As such, this business should have no trouble helping you identify potential moving hurdles and ensuring you can overcome these problems quickly and effortlessly.
If you're uncertain about a moving company's experience, searching the business' website may prove to be an excellent starting point. By reviewing the business' website, you can learn about the company's services and find out how it supports its customers.
Also, feel free to reach out to a moving company if you ever have concerns or questions. This will enable you to receive first-hand insights into the business' experience so you can make an informed decision.
2. Quality of Service
Although every moving company should be able to provide unparalleled customer support, few businesses may go the extra mile to ensure customers are helped at each stage of the moving process.
Try to find a moving company that is dedicated to its clientele – you'll be glad you did. This company should be able to respond to any concerns or questions leading up to moving day. In addition, the company will be able to offer affordable pricing and set realistic expectations about what to expect when moving day arrives.
Keep in mind that a first-rate moving company should be able to provide customer referrals that you can use to determine whether this business is the right choice for your upcoming move.
Ask a moving company for client referrals before you make your final decision. That way, you can reach out to past clients to learn more about the quality of service that a moving company provides.
3. Licensure and Insurance
Find out whether a moving company is licensed and insured. This may require you to allocate substantial time and resources to perform an in-depth search of licensed and insured moving companies in your area, but the benefits of doing so will pay off in the long run.
A licensed and insured moving company will possess the necessary credentials to provide support for an intrastate or interstate move. As a result, this business can safely handle all of your possessions and ensure your items are fully protected from the time they are picked up until the time they arrive at your new address.
Lastly, if you recently sold or bought a house, your real estate agent may be able to provide extra help. He or she likely can provide moving company recommendations and put you in touch with a moving company that can fulfill your moving day requests.
Get ready for your upcoming move – consider the aforementioned factors, and you can find the ideal moving company to help you take your belongings to any location, at any time.
When you’re searching for a house, the location is often key. Maybe you have found homes in your desired city or town. Yet, all homes are not created equal. Locations aren’t created equal either. There’s advantages and disadvantages to the type of street that a home is on. If you’re on a main road, you may have more accessibility to what you need, but traffic noise could be a negative aspect of this living situation. Living on a cul-de-sac gives you the best of both worlds. You can be in your desired location, but also enjoy some peace and quiet. Your kids will even have a fairly safe space to play on without worry on your part about traffic conditions. Here’s some of the best reasons to find a property on a cul-de-sac:
There’s No Through Traffic
No one will be using your street as a shortcut for anything, since it’s a dead end! This provides a safety net for you as you’ll know the types of vehicles that should be on the street at any given time. Neighbors can be mindful if they happen to see strange people or vehicles lingering in the neighborhood. This allows streets with dead ends to have lower crime rates. Everyone is more alert, because there’s generally so little happening on the street that any activity is noticeable. Criminals also tend to shy away from these types of neighborhoods due to the fact that people are much more aware.
It’s Better For Children
You always need to watch your children and teach them basic safety rules. Living on a cul-de-sac may actually help relieve a bit of the burden in allowing your children to play more freely. Cars that are traveling down the street won’t be doing so as fast. Your children will be visible right form your home as well.
Also, since everyone lives so close together and basically in a visible range of one another it’s easier to develop neighborhood friendships. Children will be able to play with other kids their own age and have a common meeting spot- at the end of the street! Even as a parent, you’ll have a better opportunity to get to know other parents and meet up with those in the neighborhood. There’s just something about living on a dead-end street that allows for a more tight-knit community.
Home Values Rise
All of the positive things that we have emphasized here about living on a cul-de-sac are part of the reason these properties keep their high values. With better curb appeal, more safety, and a strong sense of a community, it’s hard to pass up a chance to live on a cul-de-sac.