You may have thought that coming up with a down payment was the greatest financial hurdle you’d face, but as you’ll soon come to learn, there are numerous expenses associated with owning a home. Here’s how to handle them. Read more
Many factors are involved in creating a strong, healthy lawn. Fall lawn care is extremely important if you want a great lawn in the spring. Follow this checklist as part of a sound lawn maintenance program. Read more
Getting ready to sell your home? Appearance is everything. That’s where home staging comes in. But hiring a professional “stager” to prepare the home for prospective buyers can cost anywhere from $50 to $150 per hour. Fortunately, homeowners can take matters into their own hands.
Here are five expert tips for staging your home that cost next to nothing. Read more
There are always blessings in our lives that we miss seeing when our vision is clouded by bad luck or discouragement.
We’ve all heard the phrase that when life gives us lemons, we should make lemonade. We’ve also all heard the story of Job in the Bible, who, despite losing all his possessions, family, health, and support from friends, trusted in the Lord and found something to be grateful for—his testimony.
Often life does not go the way we planned and fate seems to be against us. But even when jobs, friends, or health fail us, there is always something in our lives that the Lord has blessed us with and that we can be grateful for. If like Job we can keep our sights on the Lord and step back to see the bigger picture, the rough time will pass and we will find it easier to see the abundance that the Lord has blesses us with. Though many of the ideas below are probably familiar, it never hurts to think about them more deeply and be reminded of our blessings.
Here are 10 things to be grateful for when everything seems to be going wrong. Read more
Fall is the perfect time to take care of the little things that can make a big difference for you and your home.
Most of the tasks listed below are well with-in the average person’s ability. But even if you choose to have a professional handle them, it’s worth the expense. You’ll save money — and maybe even your life.
Here’s the checklist at a glance. Read more
While the possibilities that lie ahead with new classrooms, new teachers and new friends are exciting, the transition from summer to school can be challenging for many children. The following tips can help:
When it comes to having good credit, you already know how important it is to pay your bills on time. But how you pay your bills — not just whether you pay them — is becoming increasingly important.
In the past two to three years, all three major credit bureaus have added a treasure-trove of new data to their credit reports. Analysts are slicing and dicing “trended data” in hundreds of ways, but probably the biggest change is that lenders now know exactly how you pay your bills: whether you’re a high-risk “revolver” who carries a balance, or a low-risk “transactor” who pays your credit cards in full every month.
Obviously, the best way to keep your home cool during the summer is to use an air conditioner to keep the temperature down, but there are other options that don’t raise your energy bill quite significantly.
A home is a refuge from the world, a place to raise a family and, for some people, an investment they hope will bring them a good chunk of money down the road.
All too often, though, we don’t realize that how we feel about homes blinds us when it comes time to buy or sell. We let our emotions blind us to cold facts about the market or the realities of ownership. Or we prioritize one set of emotional needs over others that are just are strong but may not be evident at first. And ignoring them can lead us to make bad financial decisions that can affect us for decades to come.
Here’s a closer look at some psychological missteps that buyers and sellers often make as they wade into the housing market.