Category: House and Home

Are you looking at buying a house? Before you start looking at homes, you need to make sure all of your finances are together. 88% of all homebuyers in 2016 financed their homes.

The need to understand the finances surrounding a home purchase is crucial.

In this article, we’re going to take a look at what you need in order to get your finances together for a home purchase.

Preparing Your Credit For Buying A House

Having a great credit score is an important thing when you’re buying a house. If your credit is not where it should be, there are ways you can prepare it before submitting a mortgage application.

One of the best places you can start is by getting a free credit score to see what’s on your credit report. There are a ton of valid and secure websites that do this for free. You may also be able to get a credit report from your bank.

Analyze Your Credit Report

Once you have your credit report in your hands, it’s important to look it over thoroughly. Getting your initial credit report six to nine months before you start home shopping is the best way to start to turn your score around if it’s not so great.

If you have late payments on accounts or other things that reflect in a negative light, having this time is key. If you know that you pay your bills and accounts on time, getting your credit report a couple of months in advance is appropriate. This way you can make sure there are no mistakes.

Find Inaccuracies

Does your credit report have any invalid or inaccurate information on it? Finding these mistakes is important so you can dispute them. The dispute goes directly to the credit report company. Having mistakes or errors on your credit report can significantly affect or lower your credit score.

It’s imperative that these mistakes be addressed so your report is accurate and up to date.

Keep Old Lines of Credit Open

Having older lines of credit open help to give your credit score a boost when you’re buying a house. You may have a line of credit open that you haven’t used in several years. Even if you haven’t used it, it’s still good to keep it open.

If they aren’t in good standing, closing them may help. For those that are older and are in good standing, they consistently add good points to your overall credit.

Don’t Open New Ones

Opening new lines of credit can put a temporary dent in your credit score. It’s recommended that you hold off taking out any new loans or opening any credit lines for up to six months before applying for buying a house.

Opening up a new line of credit is viewed as a risk because the credit report company doesn’t know how well you’re doing to treat that credit. If you have to open up a new line, wait until after your mortgage application has been approved.

Charging to Your Existing Credit Lines

Buying a house can be an exciting time! The worst thing you could do though is to go out and buy things. Resisting the urge to purchase new appliances and decorations before the process of buying a house has come to a close will benefit you.

Even if your loan has been approved, if you don’t meet the conditions or violate the terms of debt, they have the right to cancel and disqualify you for your loan.

Hiring Financial Advisors

Having financial advisors to help you in the process of buying a house can make the process easier. The financial terms and conditions are complex and overwhelming.

Knowing the terms, what they stand for, and how to deal with them comes with years of experience. From making an initial offer on a home to the closing process, financial advice is necessary unless you’re already a financial guru.

Unless you’re an expert, you don’t know what is coming, what it means, or the best way to deal with it. Here are a few financial advisors you can hire to help you in this process.

Real Estate Agent

Are you using a real estate agent for your home buying process? They have great advice about finances because they have to be savvy on how to place an offer. They know the ins and outs of offers, negotiations, and closing.

They can analyze the home listing and verify the worth of a home. They can inform you on whether the asking price is too high or too low and what negotiations you can bring into play.

While they aren’t financial advisors, if you already have a real estate agent, getting their advice is going to help you out.

Mortgage Lender

It’s important to be especially choosy when selecting a mortgage vendor. You want someone that is going to look out for your best interests and be able to help you out when you have questions.

If you just go with a mortgage lender that has the best rates and don’t take personality into account, it may come back to haunt you. Find someone that will go out of their way to give you one-on-one support and establish a valuable relationship with you.

Attorney or Lawyer

A lawyer is often provided by your real estate agent at your home closing. In the case that it isn’t, you’ll want to hire one to help you go through all the paperwork. It’s important that you know exactly what is being said in the contracts and make sure there isn’t something you don’t agree with.

Having all of these financial advisors on your team, or just one assists you in buying a house and ensures you get the best experience possible.

Are Your Finances Prepared?

Now you have some actionable steps you can take to determine if your finances are ready enough to purchase a home.

If they aren’t, you can start with getting your credit report score and combing through it to see what you can change. Hire a financial advisor to help you through this process or take a look at Jeeves Realty champions gate resort.

Having your finances in order before looking at homes will make this process and easier one! If you’re interested in learning about where you can get affordable furniture after you buy a home, read this blog now.

At Thrifty Momma Ramblings, we believe the kitchen is the heart of the home. And the perfect place to whip up some great tasting homemade dishes!

But as any master home chef knows, before you prepare the ingredients, you need the right kitchen gadgets.

You might think most kitchen gadgets are expensive, but they don’t have to cost a fortune.

Here are 10 affordable kitchen gadgets to make meal preparation easier that you can buy for under $100.

Great Kitchen Gadgets For Under $100

1. The Ultimate Kitchenaid Mixers

Whether you’re baking cookies, preparing meatloaf or making a protein-packed smoothie, a good mixer is a must.

Kitchenaid mixer models, the creme de la creme of mixers, come in a wide variety of speeds, styles and price ranges, depending on the features you want. You can find a selection of Kitchenaide standing mixers starting at around $70.

2. We All Scream for Ice Cream

Why pay $6 and up for a pint of ice cream when you can make your very own ice cream delicacies at home!

Why not turn your kitchen into an ice cream parlor?

You’ll enjoy homemade ice cream and impress your guests with delicious tasting sundaes, parfaits, and ice cream cones.

Scoop them up in less than 30 minutes. Buy one for your family. It also makes a great gift. Cuisinart Ice cream maker, $53.50

3. A Cool Kitchen Gadget: Rapid Beverage Chiller

Never wait hours for a warm beverage to chill again!

This state-of-the-art beverage chiller kitchen gadget chills beverages in a minute and a full bottle of wine in just six minutes.

It’s a cool addition to the kitchen and makes a great gift. Cooper Cooler Rapid Beverage Chiller, $78.90.

4. A Fondue Set Dripping with Cheesy Goodness

You won’t have to go to a French restaurant for fondue.

You can make it at home. Plan a fondue party for the ideal social event. Buy your favorite baked bread or make your own.

Whether you’re making meat, chocolate or cheese fondue, this kitchen gadget is sure to be a hit for any home chef. Swissmar Arosa 11 Piece Stainless Fondue Set, $89.95

5. Fast and Furious Cordless Electric Kettle

A drip coffee maker can take a long time to brew hot beverages.

Have you ever stared at the coffee pot waiting for it to finish your morning cup of coffee? I sure have!

And with the average coffee drinker pouring three cups a day, that’s too long to wait.

An easy fix is to use an electric kettle. An electric kettle is fast because it boils water quickly.

This means you won’t have to wait for a cup of tea or coffee for your first or your last cup of java of the day. It’s also convenient for dinner parties when you want to serve a hot beverage to accompany dessert.

Another benefit of an electric kettle is that it is simple to use and easy to clean.Hario Electric Buono Kettle, $67.50.

6. Cut Carbs: Spiral Vegetable Slicer

In the mood for some carb-cutting veggies? A spiral vegetable slicer is a smart kitchen gadget for vegetarians and vegans.

Or it’s good for anyone in the mood for a healthy dish that looks like a culinary work of art. Your veggies will look like noodles without the calories. Add your favorite sauces and fixings.

This kitchen gadget even makes curly fries. A nice alternative to plain old baked potatoes. Paderno World Cuisine Tri-Blade Plastic Spiral Vegetable Slicer, $35.95.

7. The Taste of Italy at home: Homemade Pasta Machine

Why eat pasta from a box when you can make it from scratch. A great date night idea or family activity. First, prepare the dough for all your pasta.

One person cranks the machine while the other feeds the dough into the pasta maker. A fun night for all. Imperia Pasta Machine, $79.95.

8. Smart Cooking Gadget: A Bluetooth meat thermometer

This kitchen gadget integrates with your smartphone. Sync it with your iPhone or Android and this kitchen gadget will alert you when your meat is the perfect “medium rare or well done.”

You’ll enjoy the consistent, even flavor that a meat thermometer offers with the unparalleled grilled taste.

The iGrill BlueTooth thermometer featuring four probes is priced at $94.84. iGrill offers a one- probe iGrill for $38.00

No matter which iGrill you choose, you won’t have to freeze in the outdoors during the cold months waiting for a sizzling steak or your favorite grilled foods. This is a gadget for all seasons. iGrill $38 or $94.84.

9. Non-stick Skillet with 5 Built-In Compartments

Your eggs won’t run into your home fries or bacon when you use this skillet. The MasterPan skillet contains five individual sections to cook up multiple food items.

This avoids cross-contamination and mixing up flavors into different food items. Although the skillet is large in size, it produces even heating and also warms food fairly quickly.

Other pluses with this kitchen gadget are it’s non-stick and stain-resistant as well as safe to use in the oven or dishwasher and makes for easy cleanup. Master Pan Non-Stick Skillet, $48.96

10. Become a Barista: The Milk Frother

You won’t have to go to Starbucks for that iced latte anymore because you can make it in your own kitchen!

This handy kitchen gadget froths milk in less than 20 seconds.

Ikea’s milk frother can be used with cold or hot milk to make a wider variety of beverages.

Soon you’ll be known as the barista among your family and friends. And no one will know your milk frothing secret. This gadget costs less than $3. Ikea Milk Frother, $2.79.

The Takeaway on Affordable Kitchen Gadgets

Now you know about 10 helpful kitchen tools that make preparing meals easier for every budget. As you can see, owning great kitchen gadgets doesn’t have to break the bank.

For other good tips, visit our blog packed with fun, educational articles, product reviews, freebies and more.

Our blog offers our readers great tips and advice to help you stretch your dollar. You’ll also get access to free stuff and learn about ways to make extra money.

Visit our website today to access free products, great deals, and boost your income.

You keep your home squeaky clean and spotless, so you might expect that pests wouldn’t be an issue.

What you may not realize is that pests in the home can be a problem even for a well-kept house. Because pests can find their way into your home for all sorts of reasons, you need a home pest inspection to assess your home and address any possible pest problems.

Pest infestations may not be obvious, but this doesn’t mean they’re not there. Read on to learn five reasons you should have your home inspected for pests regularly.

1. Home Treatments May Not Cut It

Though it’s tempting to buy pest control treatments and equipment and try to tackle the job on your own, you could be missing more than you’re hitting. Most of the time, treatments purchased from the store or home remedies can only treat what you can see. This can lead you to believe you have eliminated the problem when the source and bulk of the pest infestation is hidden.

Because many pests have vast colonies or extensive nests in places you can’t easily see, it’s necessary to have a home pest inspection done by a professional. They’ll know where to look and what signs indicate pest invasion.

2. Pests Can Damage Your Property

Most pests end up in your home because they are seeking a food source. When their food source happens to be your belongings and property, massive amounts of damage can be done.

Various termites and carpenter ants are notorious for damaging a home’s structure, as they love wood and sheetrock paper. These pests hide inside walls, causing a lot of costly damage well before you ever know they’re there.

Other bugs, such as silverfish and carpet beetles, are drawn to organic fibers. This makes them especially attracted to upholstered furniture, clothing items, towels, blankets, and sheets.

These are only a few pests that can move in and destroy your home and belongings.

3. Health Risks from Pest Exposure

The general population enjoys a clean, healthy life because of improved healthcare, sanitary conditions, and good pest control.

Many pests are capable of carrying detrimental diseases. A few examples of these diseases are:

• Lyme disease carried by ticks
• West Nile Virus and Zika by mosquitoes
• Hantavirus by rodents

A home pest inspection can ensure that you’re not living with pests that could spread a serious disease to you.

4. Food Safety

Food can make your home very attractive for pests such as:

• Rodents
• Cockroaches
• House ants
• Indian Meal Moths
• Weevils

Even if your kitchen is clean, these pests can make their way in, spoiling your food. Home gardens are affected also. Garden pests such as aphids can hinder the growth of fruit and vegetables.

5. Prevention is Key

Pest inspections are all about finding pests before they become a problem. If there aren’t visible pests, an inspector will be able to tell if you’ve got unwanted guests hiding out in your house.

Pest control is a must, no matter where you live. For a pest free home, look for:

• Local pest control businesses
• Pest control Tampa for the Tampa area
• Pest control with many years of experience
• Pest control that offers an inspection

Prevent damage and infestation before they become an expensive problem.

Get a Home Pest Inspection Regularly

Having your home checked on a regular basis could mean the difference between a well-maintained, damage-free home and one that is falling apart and crawling with pests.

For more great information and helpful tips, please explore our other posts.

Are you tired of overpaying for home repair projects?

If you have ever had a bad experience with a contractor or overspent on materials, then you know what we’re talking about.

Lucky for you, we’ve put together 5 ways you can save on your next home project. Keep reading to learn more.

1. Do Your Research

If you’re looking to save a few dollars on your next home repair project, you need to be sure you do your research.

Depending on the type of repair, you will have to search for a certified professional to do the job.

Make sure you don’t go into it blind. Research how much the repair typically costs, how long it takes to get it done, and if there are any permits you should acquire.

2. Get Multiple Estimates

The last thing you want to do is overpay a contractor. Ensure you get multiple estimates before you commit to one of them.

Don’t just look at the dollar sign when you see an estimate. Look at what they’re offering you and how long it will take to get the home repair done. Ask them if they have insurance and their licenses are up to date.

You also don’t want to pay for a contractor to give you an estimate. Southeastern Foundation & Crawlspace Repair offers you free estimates.

3. Read the Contract Carefully

Once you pick the right person for the job, make sure you get a contract stating all of the terms of the repair.

Make sure the contract states the job that will be done, all of the materials the contractor is expected to use, and the price breakdown.

The contract should also state the terms of what would happen if one of the parties defaults on the terms.

4. Consider DIY Repairs

Although you might not want to get your hands dirty, sometimes you need to do it yourself in order to save on repairs.

If the repair is simple enough and doesn’t require a licensed professional, it’s possible to do it yourself.

Buying the material at a home improvement store might also be more economical than going through a contractor.

5. Look Into Government Rebates & Tax Credits

If you didn’t save as much money as you would like on home repairs, not all is lost. You can still get a great deal on your home repairs if you seek government rebates.

The government gives tax breaks for qualifying home improvements that increase your home’s energy efficiency.

Some of the home improvements include:

• Insulation, doors windows, and roofs
• Water heater
• heater and air conditioning systems
• Solar energy

Keep in mind you might get more tax credits for some repairs over others.

Save on Your Next Home Repair Project

It’s possible to find the best deal on your home repairs if you do your research, try some DIY, and you get some tax credits.

If you enjoyed these tips, we have more where these came from. To read about 10 Affordable Remodeling Ideas for Your Home, click here.

There’s something so calming and wonderful about sitting by a fire. The warmth, the happiness, the soft glow of the orange embers as they flicker.

If the above sounds like your idea of heaven, you’ll want to make sure to read this article. Here are a few reasons why you should invest in a home with a fireplace.

It Cuts Down on Energy Costs

Did you know that the average person spends up to $100 each month on heating their living space? That means you could be spending up to $1,200 per year to stay warm!

But imagine cozying up to a warm fire. Not only is it relaxing, but it’ll keep you warm while cutting down on your heating expenses.

If you’re looking to get really thrifty, you can even use a fire to cut down on energy costs, as well. Give the electricity a rest and surround yourself with the warm glow of a fireplace. You’ll feel warmer and have more money to spend, to boot!

They Look Great in Any House

If you’re reading this article but feel like your home couldn’t use a furnace, we have some great news for you. There are plenty of different aesthetics for homes of all sizes.

You can choose a style that fits your home’s look, no matter what the age.

Want something more modern and green? Consider investing in an eco-friendly furnace (more on these in a bit).

Considering something with a more rustic charm? Consider these awesome Georgian fireplace antiques from Westland London to accentuate your home.

Make Great Memories

When people think about sitting around a fire, it immediately brings back warm memories. Maybe you spent time camping as a kid. Or maybe it’s just something you’d like to do in the future.

Whatever the case, sitting around the fire is a great way to bond with family and create cherished memories. We’re all so busy these days that we often fail to stop and appreciate what we have, but family life is so important.

Set aside a night, grab some s’mores ingredients and create new memories with your family that is sure to last a lifetime.

They Increase the Resale Value of Your Home

If you’re considering flipping or selling your home, a fire area is a great addition to boost your house’s property value. In fact, they can add up to $12,000 in property value for owners looking to sell!

They’re Environmentally Friendly

Finally, if you’re a regular on our green living section, you know how important it is to leave a smaller carbon footprint. Aside from providing warmth and aesthetic, a fire pit burns carbon-neutral wood, so you can feel good about your home’s heating.

Is a Fireplace Right For You?

As you can see, there are tons of great reasons to own a fireplace. The real question is, why don’t you own one already?

Be sure to follow Thrifty Momma Ramblings for all things chic and cheap. And don’t forget to leave a comment below letting us know what you think!