Moving can be an expensive endeavor. Even if you decide to rent a truck and move your belongings yourself there are lots of other expenses that can add up. Luckily, there are a few simple ways consumers can save money hauling their belongings from their current home to the next one.
Purge your things. Instead of moving things that you don’t use sell or donate them. If you decide to donate items to charity, you could save lots of time and even get a tax deduction.
Move on a less popular day. The most popular time to move is at the end of the month. Since most closings happen and leases are up at the end of the month there’s more competition for the trucks and moving crews. Moving at the end of the month will also cost you more. Choose your moving date midweek, closer to the middle of the month.
Packing materials like bubble wrap and foam peanuts are costly. If you are packing your own items use things you have around the house like bed linens, towels and clothing to pad your items. You can also use newspapers and tissue paper from gift bags. Be careful when using newspaper as the newsprint will smudge on dishes and other items.
Don’t buy moving boxes check Freecycle and Craigslist for free ones first. Ask around, your friends may have boxes suitable for moving.
Buying a home is still one of the best ways to build wealth. If you are looking to add value to your home without breaking the bank there are many projects that will increase your home’s value for less than $1,000.
One thousand dollars can go a long way when it comes to home improvement projects. If you think and plan smart your profit should outweigh your investment. Here are a few projects that will give you the most bang for your buck.
1. Organize Your Home
Declutter your home by organizing closets, cabinets and pantries. Add bookshelves for more storage. Maximize space in the kids’ rooms by installing platform or bunk beds. A neat and organized home is easier to live in and shows better to potential buyers.
2. Make an Entrance
Simply updating and replacing your entry door will spruce up your curb appeal. Not only will the new door look great it can also help save money. Adding a steel door will save on energy. Most of the new steel doors are made to look like wood. A new door will cost approximately $400.
3. Install a Programmable Thermostat.
Another way to save money is to switch from a manual to a programmable thermostat. Prices vary greatly on these thermostats but don’t expect to pay more than a few hundred dollars for a high end model. A programmable thermostat can save you $180 a year in energy costs.
4. Update your Cabinets
Cabinet hardware makes a huge difference on how new your kitchen looks. Simply update the cabinet hardware by installing new knobs and pulls in more modern metals and looks. Most large hardware store have a large selection of hardware you can usually buy a 10-pack for approximately $20.
5. No more Bathroom Blues
Bathrooms can be one of the most expensive updates in a home. You can give a bathroom a quick facelift by replacing old tile. Vinyl tiles are inexpensive and easy to install or with ceramic tile can cost as little as $3 per square foot for material and installation.
If you are thinking about buying a new home you are probably hoping to get the best value for your money on a house, but what about your home loan? The rate and terms of your mortgage can have a big impact on your wallet. This is why it is so important to shop for just the right home loan. There are two main factors to consider when shopping for a loan: the type of loan and the terms of the loan.
Do your homework before looking at home loans. Even one half of a percentage point makes a big difference over the full term of the loan. A 30 year loan of $200,000 at a 5% fixed-rate, will cost you about $22,000 more in interest than if the interest rate was set at 4.5%.
Other things to look at when shopping for a home loan are closing costs. Mortgage companies charge additional fees such as origination fees, title charges, appraisals and even credit checks. Make sure to consider these additional expenses when shopping for a home loan.
You can also save money by not maxing out your budget. Just because you are pre-qualified for a loan doesn’t mean you should spend the maximum loan amount on a home. Don’t allow your total house payment (principal, interest, taxes and insurance) to exceed 28% of your gross monthly income.
This Single-Family in Barnstable, MA recently sold for $315,000.
This is a Ranch/Expandable style home and features 6 total rooms, 2 full baths, 2 bedrooms, 0.60 acres, and was sold by
Kriss Stevens & Scott Manley – CENTURY 21 Cobb Real Estate
Centerville Listing AlertsBarnstable, MA - $1,250,000 - Single-Family - Cape - Rooms:11 - Beds:5 - Baths:4/18 hours agoBarnstable, MA - $489,000 - Single-Family - Ranch - Rooms:7 - Beds:3 - Baths:311 hours agoBarnstable, MA - $199,000 - Land - Acres:1.1Barnstable, MA - $289,000 - Single-Family - Cape, Ranch - Rooms:7 - Beds:3 - Baths:2Barnstable, MA - $289,000 - Single-Family - Ranch, Expandable - Rooms:7 - Beds:3 - Baths:2
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