Emergency Fund

Buying a home is not inexpensive. You already know about the mortgage, down payment, insurance, and a variety of fees. But what about the ongoing cost of your home? Even if your inspection is great and your purchase goes smoothly, that doesn’t mean there won’t be unexpected costs that come up. How can you maintain an emergency fund for problems without turning to credit card debt or borrowing money from family? Here are a few options to consider that won’t create unnecessary stress.  Set a Monthly Goal for Savings The best time to save for an emergency is when there …

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See Your Home Through the Eyes of a Buyer

Regardless of the reason, selling a home can be complicated. Not only do you have to deal with all the financial and practical logistics, but you may also be coping with your emotions about leaving the home behind. Our homes are intensely personal things, so the idea of letting people into your home while you’re still living there can be nerve-wracking. What can help is putting yourself in the mindset of the buyer. Here are a few tips to help when you’re getting ready to sell.  Rule #1 The first rule of selling a home is that you don’t sell your home …

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Improve Your Home’s Value

Here it is: we’ve finally said Goodbye to 2020 and ushered in 2021. As we’ve adjusted to so much change over the last year, it can be good to take a step back now that the year is underway and consider the positive changes we can make for the future. Let’s look at a few things to do in 2021 that can give you an advantage.  Change Your HVAC Filter The filter on your furnace may be one of the most overlooked but important small fixes you can make. Clogged filters cause the HVAC system to become very inefficient very …

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