How To Increase Your Home Value In 8 Easy Steps

If you have plans of selling your home in the future, you really need to take care of the many details in your abode. You may need a little bit of makeover to boost its value.

The good news is, you don’t need to spend big bucks to sell your home at an expensive price. Small, but valuable improvements can make it worth more.

Check out the list on how you can improve your home’s value:

  1. Install new windows.

Windows are one part of the home that buyers often check when purchasing a property. The future home owners don’t want a home that has damaged windows, where nearly 30 percent of energy escapes based on research. Well maintain windows are one reason why they will be interested to purchase your home. Windows add a statement to a home.

  1. Upgrade your popcorn ceilings.

Do you still have popcorn ceilings? Removing them is one sure way to add value to your precious property. This kind of ceiling is obsolete and having them in your home may turn the buyers away. Replace them with modern ceilings because a contemporary style of home is more pricey.

  1. Add a new bathroom.

Does your home only have one bathroom? It’s time to add another one in a space that is unused for a long time. Consider the convenience when deciding to add another bathroom. Your home buyers will surely love to have a bathroom upstairs and downstairs, especially when they have guests.

  1. Take out the carpets and expose the hardwood floors.

Hardwood floors are more elegant and pricey to look at than floors with carpets over them. Of course, your buyers will be checking the quality of the floors. If you need to update it, replacing them just cost around $200.

  1. Remodel your kitchen cabinets.

The kitchen is one of the most important parts of the home. Upgrade the look of your cooking haven by remodeling the kitchen cabinets. You don’t need to spend plenty of cash to come up with a contemporary kitchen. Upgrade the paint and replace the drawer pulls for a new look.

  1. Install a steel entry door.

Increase your home safety and value by installing a steel entry door. It’s a one-time investment that wouldn’t cost you too much, but offers a big return. Replacing your old wooden door with a steel one is a good idea for added security. You only have to spend about $200 for it.

  1. Repaint your home’s interior and exterior.

The easiest way to improve the look and reselling price of your home is by repainting it. A new paint inside and outside doesn’t only give your home a fresh look, but it also gives it a fresh scent. You can now get eco-friendly paints that you can buy for $30 to $90 per gallon that are effective in absorbing and enhancing the air quality of your residence. Paint your home with neutral colors so it will be easy to resell.

  1. Maintain your home systems.

One of the reasons your buyers will purchase your home is after they’ve checked your HVAC system. Buyers would want to see that it has a yearly furnace inspection and certification. A record of your HVAC’s tune-up’s is a good thing to show to your possible buyers.

Marinell Miller has been giving home ideas, tips, advice and guides for homemakers and future buyers in the past 10 years. Aside from writing, she spends time in her own shop that sells various home accessories. Marinell is also a social media expert, resident life coach speaker at rehabcenters.com and a mother of two.

The Top 3 Loans That Can Help You Eliminate Debt Fast

Unpaid debts can be really stressful. If you don’t take care of it soon enough, it will catch up with you. Debt has become a part of today’s culture and comes in different forms for different reasons. Paying off debt, is perhaps, one of the most common personal goals among different people. And while some may think it is hard, it only requires some good strategy and enormous discipline to finally get out from it. Sites like MTP Loans provide loan choices for people who want to pay off their debt.

There are various types of loans that one can get to help pay off your debt, here are some of them:

  1. Personal Loan

Personal loans are one of the many loans you can borrow from the bank. It is an unsecured loan that can be paid on agreed terms. This can be used by the borrower for whatever purpose. If your credit ratings are good enough that you can borrow a money, this can be used as a debt consolidation loan. However, there maybe instances that you will be allowed to borrow a small amount, a big amount of higher interests, or not be approved at all due to bad credit score. Secure personal loans from a bank you trust and settle for payment rates that are doable for you. This will take the stress off your loans.

  1. Home Equity Loans

Home equity loan is taken out using your home’s equity as a collateral. To qualify, you need to have a good amount of equity in your home and a good credit score. Home equity loans have very low interest rates because of its secured nature. You can also borrow money big enough to pay off your other debts. However, many are cautioning against this to be used as a debt consolidation loan because of the risk involved. Once payment becomes too expensive and you are not able to pay it, your house will face foreclosure and lose it.

  1. Debt Consolidation Loans

In past years, the needs for bigger loans were so high that banks started to offer debt consolidation loans. This is offered for the purpose of combining your debts. There are many types of debt consolidation loans and you need to choose wisely what to pick. These types of loans have usually lower interest rates than what you pay monthly, but you need to set terms strategically. Low interests rates are achieved through extending the period of repayment.

There are many options to pay off debt, but you need to be smart and careful as to which you choose. Find terms that will not burden you anymore than being burdened with your current debts. As well, make sure to know the terms and conditions of each loan so as not to encounter any surprising problems that may arise from missing payments and other situations. Finally, stop accumulating more debt once you start eliminating them so as not to be buried with more debts in the future.

The top 3 Loans That Can Help You Eliminate Debt Fast

Unpaid debts can be really stressful. If you don’t take care of it soon enough, it will catch up with you. Debt has become a part of today’s culture and comes in different forms for different reasons. Paying off debt, is perhaps, one of the most common personal goals among different people. And while some may think it is hard, it only requires some good strategy and enormous discipline to finally get out from it. Sites like MTP Loans provide loan choices for people who want to pay off their debt.

There are various types of loans that one can get to help pay off your debt, here are some of them:

  1. Personal Loan

Personal loans are one of the many loans you can borrow from the bank. It is an unsecured loan that can be paid on agreed terms. This can be used by the borrower for whatever purpose. If your credit ratings are good enough that you can borrow a money, this can be used as a debt consolidation loan. However, there maybe instances that you will be allowed to borrow a small amount, a big amount of higher interests, or not be approved at all due to bad credit score. Secure personal loans from a bank you trust and settle for payment rates that are doable for you. This will take the stress off your loans.

  1. Home Equity Loans

Home equity loan is taken out using your home’s equity as a collateral. To qualify, you need to have a good amount of equity in your home and a good credit score. Home equity loans have very low interest rates because of its secured nature. You can also borrow money big enough to pay off your other debts. However, many are cautioning against this to be used as a debt consolidation loan because of the risk involved. Once payment becomes too expensive and you are not able to pay it, your house will face foreclosure and lose it.

  1. Debt Consolidation Loans

In past years, the needs for bigger loans were so high that banks started to offer debt consolidation loans. This is offered for the purpose of combining your debts. There are many types of debt consolidation loans and you need to choose wisely what to pick. These types of loans have usually lower interest rates than what you pay monthly, but you need to set terms strategically. Low interests rates are achieved through extending the period of repayment.

 

There are many options to pay off debt, but you need to be smart and careful as to which you choose. Find terms that will not burden you anymore than being burdened with your current debts. As well, make sure to know the terms and conditions of each loan so as not to encounter any surprising problems that may arise from missing payments and other situations. Finally, stop accumulating more debt once you start eliminating them so as not to be buried with more debts in the future.

The top 5 things you can use a personal loan for

There are loans that are given for very specific things. For example, mortgage loans are for buying a home, an auto loan is, of course, used for purchasing a car while student loans are used to pay for college tuition fee.

 

Good thing there is a personal loan, which can be used for a variety of things. While there are some lenders who will ask you what the money will be used for, more often than not, it is up to you how you want to use it.

 

There are many circumstances when you can utilize a personal loan. Here are some of them.

 

  1. Pay a credit card debt – yes you can use a loan to pay off another loan. This is smart when you have several credit cards that are already maxed out. It is good to consolidate all the charges into one monthly payment, especially if the interest rate on the credit card is very high. You just need to make sure that the personal loan you get has a lower interest rate.

 

  1. Home improvement – maybe you need a new HVAC, or you feel like you need to do repairs in your home but you do not want to dip into your savings. Use a personal loan instead of emptying your bank account.

 

  1. Vacation  – some people may advise against this as they feel it is not a worthy investment, but you can indulge in something once in awhile, especially if it’s been a long time since you went on a vacation. But don’t just take out a personal loan for your dream vacation without actually starting a savings fund for it. The personal loan can be used when you have not met your target budget or if you feel like raising your emergency fund when you go abroad.

 

  1. Wedding  – couples can take out a personal loan to get their dream wedding, as they do happen once in a lifetime. If you are a bride and you really want that perfect wedding dress that costs a little more than the budget you have in mind, you can just take out a personal loan instead. Of course, make sure that you have planned that the loan will be paid in the right timeframe. After all, no one wants to start a new chapter in their lives with a lot of debt.

 

  1. Business – maybe you have already graduated and you now want to start a new business. Perhaps you are a small business owner and now you want to make expansions to your business. You can use the personal loan for costs like materials, rentals or to pay business permits. Getting a personal loan is smart so that you will not need to use your own savings or liquidate other assets.

If you feel like you need to take out a personal loan, it’s a good thing that it does not take long to apply for one.  Check out https://www.luckyloans.co.uk, where you only need to answer a short application form, and once approved, you may get the cash transfer in only 15 minutes. Check the site today and start planning how you can best use that personal loan.

How to Deal with Unexpected Financial Emergencies

It happens to everyone sooner or later. You get a cold that takes a weird turn for the worse. You get rear-ended. You lose a job. Your landlord sells the house you’ve been renting, and you have to move. Your computer dies. Whatever it is, even though you’d been doing your best to scrimp and save, this unexpected expense is not something you can easily afford. What do you do?

The action you take is going to depend on upon the nature of the expense. Is it a big bill that you might be able to break down into smaller, more manageable payments like a medical bill? Or is it something longer term, like  trying to find cheap SR22 insurance after getting caught driving while uninsured? We’ll talk about how best to approach both of these types of situations.

Great Big One Time Bills

In the case of giant but one-time expenses like a medical bill or your car needing a massive repair (or even needing a new car altogether), the best thing you can do is ask about setting up a payment arrangement. Trust us on this: hoping the bill goes away or trying to dodge collection attempts will only hurt you. Most companies–even medical companies and the IRS–are more than willing to work with people who make a good faith effort to pay off their bills regularly. Sometimes they won’t even check your credit before setting up these payment plans…though rest assured that if you default on these payments, the default will be reported on your credit history.

Typically the criteria used here is your annual income (verifiable through tax records and pay stubs). If you can afford to pay off the bill within a certain period of time (usually seven years or so) you’ll be approved, and you can begin making payments. If you can’t, there are other options available to you including debt consolidation and bankruptcy.

Note: Bankruptcy is no longer the death sentence it used to be, we promise.

Smaller but Long Term Bills

Finding the money to make these payments or to accommodate a new bill, like the aforementioned special insurance is a little trickier but should still be doable.

The first thing you’ll need to do is scour your budget. Can you make cuts anywhere? Can, for example, you take 10 percent away from what you put into savings or other bill payments and put it toward this new account? Can you trim the amount you spend on groceries or other incidentals?

If you are already living on a stretched too thin budget, do you have the time/energy to take on another job or start a side gig? You’d be surprised at how many ways there are to earn money on the side of a full-time job. Sure it might eat up your free time, but hopefully it won’t have to be that way forever, right? Though, you might find that your side gig allows you to pay down other debts quicker, which is a good thing!

When You Need It Now

Hopefully, these instances are a rarity, but they do happen to people from time to time. Having to suddenly find new housing or afford a trip home to take care of a dying loved one or to flee from a bad situation. When you need a bunch of money right now, what do you do?

The first thing you should do, and you probably already know this, is to look around you for items that you can sell and sell quickly. This is not a time to get sentimental. If there is an emergency, selling your television or some jewelry might be the only way to get the money you need.

If housing is the issue, your best bet is to put your belongings in storage and then couch surf for a while as you work to build up enough savings to pay for a deposit and moving fees. Yes, this is a hard thing to ask from your friends, but surely they’d rather help for a week or two at a time than see you homeless!

If the money is for something else, and you have some time to get it together, you should set up a GoFundMe account and promote the heck out of it. People are more generous than you might think!

Most of all, do your best not to give in to prolonged panic. Freak out for a few minutes, sure, but then do your best to stay calm and look for opportunities for help. You might be surprised by how many you find!

Groupon Coupons this holiday season

As we all know, there is a great shopping expedition mounting in many homes this week.  Yes, Thanksgiving is coming, and it is a great time to spend with family and friends and be thankful for all we have. We share our bounty with others- but the day after Thanksgiving is also right around the corner too, Black Friday.  One of the busiest shopping days of the year.  A time of year when friends and family get together and hit the stores at the crack of dawn to get all the best deals around.

But this year, I say do some extra research online.  With some incredible deals available now with only a few clicks, you can shy away from those packed stores and the crowds and enjoy spending time with your friends and family at home in the comfort of your living room.

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One such place to check out is Groupon Coupons. Which is a site run by the famous Groupon company where they share promo codes to various online shops to help you save that hard earned money even more.  With stores like Toys R Us, Kohl’s, Macy’s, and QVC.  There is definitely something for everyone on your list at a great price within a few clicks.

An added benefit is not only can you sometimes get the same exact deals as those available at brick and mortar retail locations, but there are also added items and discounts available.  To name a few, there are codes for free shipping, additional 10% off of clearance prices and early access to Black Friday prices available right now.

So be sure to make your list and check it twice, get something for everyone who has been not naughty, but nice.  Be sure to grab a few things for that special someone in your life and maybe even a little something for yourself with all the money and time you will be saving.  Happy shopping!

Save With Groupon Coupons

This post was sponsored by Groupon. All opinions are my own.

Groupon has been a cultural phenomenon. It has gained even more popularity as more and more establishments use the service and pass on some incredible savings to their customers. The way a Groupon Coupons works is that Groupon has offers which the customer pays for. These deals usually double the value of their money at the particular establishment, thus getting new customers in the establishment. An example would be a new Thai restaurant opens up and offers a $20 credit toward dinner. This saves you, who wants to get Thai food anyway, significant savings and gets the Thai place new business. This has been an awesome way to save money and still go out and have fun. But buying in advance can be a bit odd for some, so Groupon has made up a new service called Groupon Coupons. The key way the new Groupon Coupons differs from Groupon is that there is no registration on the site in order to use the codes, and there is no upfront cost associated with them, either.

pic4There are tons of different types of stores with many coupons available from each. Some examples are Lord and Taylor, Old Navy, AT&T, and Norton Antivirus- just a taste of the almost 9,000 stores with almost 80,000 coupons.

It is always nice to have a new “deals” site in your arsenal when online shopping, and Groupon Coupons should definitely be added to your favorites. You never know when that savings code to chip a little bit more off that final price could be found with just a few clicks. Another nice feature of Groupon Coupons is they are curated, so you will always get the freshest coupons and less expired or non working ones (which are super annoying and take up wasted time you could be spending doing something way cooler then surfing expired deals).

Head over now and see what deals you can find in your neighborhood!

Boiling Springs Savings Bank Student Checking Account @BSSBankNJ #GardenStateGrads

Disclosure- This is a sponsored post.  All opinions are my own and honest. For more information, see “I Disclose”.

What is the best way to get your kids to respect money and learn how to properly manage it?  A piggy bank? How about a new type of bank account from Boiling Springs specially tailored for new bankers aged 14-23?  That sounds better. The account is called a Boiling Springs Savings Bank Student Checking Account

This account features:

No monthly fees

Interest earned on all balances

Free specialty checks or a discount on custom checks

Free online banking

Free online bill payment

Free 24-hour telephone banking

Minimum deposit to open account is $1.00

Free transactions at Boiling Springs ATMs with Boiling Springs ATM card or Debit MasterCard

Direct deposit

Overdraft protection transfer service available

At age 23, account will convert to a regular NOW account

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Also, there is a promotion going on right now called, “Gift for Garden State Grads”, which runs through June 30, 2015.  When a student opens a new Student Checking Account with more then $20.15, they gain and extra $20.15 in interest, just for opening the account.  This is a great deal and a wonderful way to teach kids the value of saving with real money- with a great bonus.

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Combining a student checking account and a part time job or an allowance will do wonders for kids when learning the value of money.  Nothing quite beats that first paycheck placed in your bank account and the nervousness of spending the first few dollars of it.  The ability to see your money grow and shrink as life demands is a learning experience, and balancing a check book for the first time is also an interesting teaching/ learning experience.  This account is also perfect for a young adult first getting into banking and money management while going away to college or their first full time job.  No matter what the reason behind it Boiling Springs is a great first stop for your student banking needs.