A popular New Year’s resolution is paying off debt. A new year offers people a brand new to start to get their financial situation together. But many people wonder where to start to get themselves out debt. Here are 4 tips to help you get started start on living a debt free lifestyle:
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- Make A List of All Your Debts- The first step in getting out of debt is to tally up each debt you currently have. Take a look at your credit report to ensure you didn’t miss any. Figuring out your debt grand total will show you exactly how much debt you currently have and how you can make a plan to tackle it.
- Pay Off Debt Smallest to Largest- This is also known as the debt snowball. The reason this works with a lot of people is because it gives you momentum. When each debt is paid off you start to see progress and builds momentum to pay off the next debt.
- Start A Monthly Budget- Starting a budget is a great way to figure out where your money is going to each month. Do you know where every dollar you spend is going? Most people do not and this will help determine that. If you realize that you are spending a lot on going out to eat or getting lattes every morning, you can make adjustments that can give you more money to pay down your debts.
- Live Within Your Means- Spending less than or equal to the money you bring in every month means you are “living within your means”. By spending no more than you bring in each month, it will ensure you do not go into further debt. By making this small change, you can change your financial situation and no longer live paycheck to paycheck.
4 EASY WAYS TO SAVE THIS NEW YEAR
Most people want to start the new year by trying to save money and fixing their financial situation. It can be hard to figure out where to start, so our team compiled a list of four easy ways to help you get started in 2018. Take a look at our list to help you in 2018:
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- Start a Budget- Starting a budget is great way to start saving money. Most people do not know where their money is going every month. Making a budget and following it will help improve your financial situation. There are many free budgeting tools online that can help you get started.
- Refinance Your Mortgage- Another easy way to save money is to refinance your mortgage. Refinancing your mortgage with a lower interest rate, can help you save money on your monthly mortgage payment. For more information on refinancing your mortgage, give one of our friendly mortgage specialists a call at (877) 290-9991.
- Consolidate Your Debt- Consolidating all your debt into one loan can help you save money because your interest rate will be much lower than credit card rates. This will help you pay off your debt faster because more money will be going to your debt rather than interest. A mortgage refinance can provide you with the lowest interest rates to consolidate your debt. You can give one of our friendly mortgage specialists a call at (877) 290-9991 for more information.
- Cancel Unused Subscriptions- Another easy way to save money is to cancel subscriptions that you are no longer using. Do you have a gym membership that you are no longer using? Or perhaps video or music streaming services you do not have a chance to watch or listen to anymore? Cancelling subscriptions that you do not use often can you save you tons of money!
The start of winter is approaching and it is now time to get your home ready for the frigid temperatures. There is no need to panic if you haven’t started winterizing your home! Our team put together a list of 6 ways to prepare your home for the winter. Check out our list below:
- Drain Your Sprinkler System – Before temperatures start to drop, it’s necessary to drain your sprinkler system to prevent your pipes from bursting because of lingering frozen water. Draining your sprinkler system can prevent you from paying for costly repairs.
- Clean Your Gutters – Cleaning your gutters is must! If your gutters are clogged, water is more likely to freeze, which can cause roof and foundation problems to your home.
- Trim Back Trees and Bushes – If you have tree branches that are close to your home, cut them back. Branches that break due to snow and ice can cause major damage to your home.
- Check Furnace and Replace Filters – It’s important to get your furnace checked by a professional and get filters replaced before icy winter weather comes. You do not want to take the risk of having heating issues when frigid temperatures occur!
- Prevent Frozen Pipes – A great way to prevent frozen pipes is to use insulation around your pipes. Homeowners should also look for any air leaks around pipes and insulation that would bring any cold air.
- Check Your Emergency Supply Kit –It’s a good idea to get your emergency supply kit checked for appropriate clothing, expired food, valid medications and enough water. Winter storms can cause emergency situations and doing this can keep your family safe.
By doing these precautionary steps, you can feel more prepared heading into winter this year. These small steps can save you a ton of money on costly repairs and high utility bills. A few hours of doing these pre-winter maintenance tips, can keep your family safe and warm this winter season.
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7 TIPS TO GET YOUR HOME READY FOR FALL
The fall season is a perfect time to get your home ready before the cold winter months arrive. By taking precautionary steps, you can prevent serious home damages and expensive home repairs from occurring. Our team compiled a list of seven important home maintenance tips you should do during the fall to get home ready for winter.
- Get your heater/furnace serviced- Autumn is a great time to have a service technician come out and check to ensure your furnace is working properly. In the winter time, service technicians are more likely to be booked up with service calls, which can cause delays.
- Get chimney checked for blockages- Fireplaces are used frequently in the cold winter months. It’s a good idea to make sure your chimney is checked for any blockages as it can result in falling debris or a smoky smell in your home when the fire burns.
- Remove window A/C units- We suggest removing your A/C window units during the fall because leaves, dirt and other particles can get inside the unit and potentially can potentially damage the unit.
- Clean gutters and downspouts- It’s a good idea to get your gutters and downspouts cleaned because the clogging of leaves and other debris can lead to falling gutters which can cause flooding and foundation issues to your property.
- Trim trees and bushes- Trimming trees and bushes around your home in the fall can prevent loose branches and limbs from falling onto your property during winter storms.
- Get your roof inspected- It’s important to get your roof inspected for any leaks or loose shingles before winter strikes. Roofers will also charge more for services during peak season (winter months).
- Seal any cracks around windows and doors- Sealing cracks around your windows and doors before the cold winter comes, can prevent bugs and rodents from coming inside your home. When its cold outside, these pests are looking for warmth and will try to get inside your warm home.
Once you get these preventative maintenance steps completed, you can be assured your home is prepared for the upcoming colder months. Taking these preventative steps can also save you time and lots of money in repair costs. The cold weather is coming, cozy up and relax knowing you fully prepared your home for the colder months.
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California is currently in the midst of one of the worst droughts in recorded history. Everyone’s working to conserve. But water conservation is important no matter where you are. How can you do your part to save water? Here are 10 tips you can follow.
Take Shorter Showers. This is the first step everyone lists, and with good reason. Your bathroom in general accounts for around 75% of your home’s water usage. And a typical shower uses 2.1 gallons of water per minute. So showering for 10 minutes can waste over 20 gallons. Keep showers to around 5 minutes or so, and you’ll cut your water usage considerably.
Check for Leaks. Have a plumber check your toilets, faucets, hoses, and any other water sources in your home for leaks, and repair them. Depending on the severity of the leaks, this can save you up to 200 gallons of water per day. (more…)
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It’s summer, and the heat is getting practically unbearable. You drink lemonade, eat ice cream, and take cold showers to mitigate the heat, but you want a more long term solution. What home improvements can you make to keep your home cool this summer—and for many summers to come? Here are a few:
Central Air. If you’re keeping your home cool with fans, window air units, or a swamp cooler, then the time has come to invest in a central air conditioning system. A single unit circulates air to your whole house, allowing you to adjust the thermostat to you preferred temperature. (more…)
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Owning a home is great, but sometimes the maintaining of it is not so great. Fixing common mistakes with just some know-how, and maybe a little elbow grease is easy. Here’s how to fix the most common mistakes in your home, according to HouseTask.com.
Clogged drains – use a commercial product, such as Drano, a liquid you pour down the drain, or a plunger, that uses air and water pressure to unclog drains. . If the clog persists, using a mechanical auger that helps snake out the drain is the best solution.
Overflowing toilets – sometimes, toilets can become clogged or the outlet valve is stuck open. Here’s a simple fix-it trick. First, stop the water flow by lifting up the tank lid and finding the outlet valve, an opening at the bottom of the tank. (more…)
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The average homeowner spends approximately 40 hours annually mowing the lawn, and Americans spend $8.5 billion each year on lawn care equipment and products. Lawns are one of the biggest aspects of property care. Keeping a lawn in top shape, particularly during the heat of the summer, can be a daunting job. It is important to break the task down into manageable components and to stay on top of each one so that the job never gets overwhelming. The following tips will teach you how to keep your lawn green this summer.
How to Keep Your Lawn Green this Summer: 5 Simple Tips
Fertilizer. Most lawns only require fertilization a couple times a year, typically once in the spring and once in the middle of the summer. Choose a fertilizer with a blend intended for lawns (more…)
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