The Best Destinations to Fish All Over the World

fishing trip

Fishing can be a fun and inexpensive way to spend some time together as a family. Even better, if you’re traveling, it’s an easy way to keep the kids (and, let’s be honest, husband) entertained.

The best part is that you don’t have to be near some exotic ocean to see some really cool fish. Many of the best locations are a lot closer than you may think!

From lakes and ponds to rivers and oceans, there are many places to incorporate a fishing trip into your vacation. If it’s time for a get-away, consider these 8 destinations, that are fun for the whole family.

1. Martha’s Vineyard, Massachusetts

That’s right, mom. You can send the family off for a day at the pier, while you sit back and enjoy one of the country’s most relaxing islands.

Martha’s Vineyard is recognized as one of the best fishing destinations in the U.S. You can expect to see lots of Striped Bass, Bluefish, Bonito and False Albacore. Medium-sized fish are fairly common throughout the Northeast region.

Its location makes it a premier stop in the migratory season, which happens in June and September. (However, migration routes vary greatly from day-to-day. So, check out the for the best fish finder.)

2. Hatteras Island, North Carolina

Hatteras is another destination that’s popular for fishing that will keep you busy. The “blue marlin capital of the world” is also popular for shopping and beach lounging.

Some of the best charter fishing happens off the coast of this Outer Banks island. But, you don’t even have to rent out space on a boat to make this an excellent fishing trip. You can angle away from the stunning beach shore.

Being on the central Atlantic coast, you’ll see plenty of Yellow Fin Tuna and Mahi Mahi. You can even catch your own dinner!

3. Kona, Hawaii

How nice does Hawaii sound my friend? The state’s largest island is home to the top deep sea fishing destination in the world.

You can fish from miles of white-sand beach that’s also surrounded by 5 mountain peaks. Or, if you’ve embraced the aloha spirit, maybe a local will be nice enough to take you out to where the real action is.

Off the shores of Kona, you can catch fish up to 300 pounds, such as the Pacific Blue. After this crazy excursion, relax with a Mai Tai in-hand, while also enjoying your hand-caught supper.

4. Amazon Basin, Brazil

If you’re up for a really adventurous fishing trip, look no further than Brazil. The largest city in the Amazon rainforest, Manaus, is a mecca of freshwater fish.

Holding nearly 3,000 species, the Amazona waters offer a wide range of biodiversity. Although there are endless new faces to see, many travel to Brazil to capture the rare speckled peacock bass.

The Amazon is also great for piranha fishing if your family is up for a real challenge. In Manaus, several companies will take you off-shore so you can catch some of the tiny chompers. Be careful though- their bite can cut through fingers.

5. Cairns, Australia

Along the Great Barrier Reef, about anyone can find a slew of saltwater fish to reel in. But, it takes a real pro to capture the sought-after giant black marlin.

These babies swim up to 80 miles per hour and weigh over 1000 pounds. The 150-mile stretch between Cairns and Lizard Island is the best place to land one of these beasts.

Many come to this Queensland city just for a fishing trip. But, I’m confident you’ll find much more going on in the “gateway to Australia’s Great Barrier Reef”. (It’s also deemed Australia’s most adventurous city.)

6. Betty Lake, Colorado

Betty Lake is truly one of Colorado’s best-kept secrets. To access this small-but-mighty body of water, you have to drive to Nederland and hike nearly 6 miles.

For that reason, this may not be suited for little ones. But, the terrain is fairly easy and you’re surrounded by the Indians Peak Wilderness throughout the entire trail. You’ll be able to take in some stellar views along the way!

This lake is perfect for those who looking for a more serene and intimate fishing experience. It’s easy to get lost in the lush green trees and mountain tops that surround this wilderness park. Also, it’s a popular spout to catch some trout.

7. Montauk, New York

Like Martha’s Vineyard, this is a great destination to fish in the migratory seasons. It’s best to visit Montauk throughout the fall when hundreds of new species are coming in.

You can expect to see lots of smaller fish, so this could be a good spot for little ones. Bluefish, Striped Bass, and Albacore are really popular in this area.

Montauk is located at the eastern tip of Long Island. So, you can spend a relaxing day at the pier after the kids’ first trip in the bustling city.

8. Ascension Bay, Mexico

Nearly 100 miles south of Cancun sits one of the best fly-fishing destinations in the world. Ascension Bay’s saltwater has many exotic fish species, as well as some regular guys, such as Permit and Bonefish.

This destination is great for families looking to travel in the offseason, especially January and February. If your kids get some time off for spring break, book the flight and grab your gear! Mexico is calling!

You can stay at Punta Allen in Quintana. This large village has miles of beach land for you to conquer.

Where are you going for your fishing trip?

The states have some pretty spectacular fishing regions, which is great for us thrifty mommas. But, go beyond our country lines to experience some of the best fishing in all of the world!

If you’re looking to take a trip soon, you’ve got to check out the Travel section. You’ll find tips for vacationing on a budget, traveling with kids, and much more! Also, don’t hesitate to contact me if you have any questions!

How to Save Money On Groceries And Still Eat Well

save money on groceries

A friend once told me: “You get what you pay for.”

I took this to mean cheap products aren’t good, and good products aren’t cheap. If you want high quality you have to pay a high price.

But when it comes to the products you put in your body, you don’t have to break the bank to eat well.

There are many ways to save money on groceries while also eating a balanced diet of quality foods.

Skip the McDonald’s Dollar Menu. Keep reading to learn how to cut costs but improve your eating:

Save Food to Save Money on Groceries

One of the fastest ways to lose money is buying food you don’t need and throwing away food you never used.

Always make sure to take stock of what you have in your fridge already before grocery shopping.

Check how much longer all the food in your fridge is good for so you don’t buy too much of the same thing. Buying too much of the same perishable food is a recipe for waste. If you can still use leftovers from the last time you went shopping, do it!

Make sure to only buy what you know you’re going to eat. Some items look great on the shelf in the store, but if you don’t have a plan for that food, don’t buy it!

It may help to create an organized meal plan at the beginning of the week. Try to choose meals made with mostly the same ingredients cut costs. Choose meals you know you’ll love and will also have time to cook.

If you plan a dinner for yourself and don’t finish it, save the rest in the fridge. Use it for a snack or lunch the next day. That’s one less meal for you to buy and prepare!

Done with that chicken? Use the bones for soup or meat broth! Use as much of the foods you buy as you can.

Throwing away good food is throwing away money. When you save as much food as possible for later, you’re getting the most out of every dollar spent.

Make Your Own Products

The concept is simple: if you don’t really need it or you can make it at home, don’t buy it!

Did you know there are simple ways to make your own beauty products at home?
There are hundreds of online tutorials for DIY deodorant, toothpaste, body butter, face and body scrub, etc.

For most people, the $5-$20 spent on one bottle of shampoo or soap every few months doesn’t seem like much. But by the end of the year, what you save by no longer buying these products in store will add up to hundreds of dollars!

To figure out if something is worth trying to make at home, add up the cost of all the necessary ingredients. Divide this cost by how much use you’ll get out of all those ingredients.

For products you can’t or don’t want to make at home, figure out the best deals when buying them. This might include buying in bulk or accruing loyalty points with your favorite store.

Cleaning products can also be easy to make at home to save money on groceries. Many families make their own laundry detergent. And many moms have discovered they don’t need a different cleaner for every surface in their home. One high quality, all-purpose cleaner should do the trick.

Are there spices you consistently use that you can grow in your backyard? Not only is food grown at home certified fresh, it costs nothing for you to pick it yourself.

The best way to save on groceries is to shorten your shopping list! If you can make it or grow it at home, you don’t need to buy it– and you’ll have an easy way to refill it right there at home.

Buy in Bulk

Food in plastic packaging will always cost more than bulk bin items, or large containers of the same item.

Companies take the cost of their packaging and pass it on to you, the buyer. Skip the packaging altogether. You pay less per ounce of a product by buying from bulk bins at your grocery store.

Always be looking for more tips to save money. When bulk bins aren’t possible or aren’t available, you can still buy many staple items in bulk to save money on groceries. Costco and Sam’s Club are excellent examples of stores that help you do this.

Here are some items that are easy to buy in bulk:

  • Herbs and spices
  • Beans
  • Tea
  • Coffee
  • Dry pasta
  • Rice
  • Flour
  • Nuts and legumes
  • Cooking oils
  • Honey and sweeteners
  • Lentils
  • Frozen fruits and vegetables
  • Cheese
  • Canned goods

Buying in bulk will appear to cost more up front in the moment, but when you divide by use over time it’s way cheaper!

Preparing in bulk can save money on groceries and time in your week as well. Cook foods that perish quickly in large amounts at the beginning of the week. This makes their shelf life much longer and cuts meal prep time. Freeze any extra cooked food when necessary.

By planning meals that all roughly use the same few staple items, you can keep several containers of the same foods in the fridge cooked in one day and use them throughout the week for a variety of meals.

Stay Consistent

It’s not as hard as people think to eat well and eat on a budget.

The best way to save money on groceries is to plan the use of your food carefully, eliminate items you don’t need from your list, and buy/prepare in bulk as possible.

Skip unwanted costs by skipping packaging and pre-cooked items.

There’s no downside to more money and better quality food. It just takes careful planning and avoiding impulsive buys.

And of course, it never hurts to keep hunting for more ways to save. Save money in other categories of your budget to give your grocery budget an extra boost.

How to Relieve Lower Back Pain: Exercises, Stretches, and Chiropractic Care

how to relieve lower back pain

Many people believe that back pain arises with old age. However, it’s extremely common to start experiencing this problem around the age of 30.

Women are more likely to suffer from back pain than men do. In fact, 50 to 70 percent of all pregnant women are struggling with this problem.

Back pain can occur from inactivity, weight gain, lifting heavy objects improperly, or too much stress. Accidents (such as car crashes) can cause issues to your back as well.

If you’re struggling with this issue, you came to the right place. We are going to give you seven tips on how to relieve lower back pain. Keep reading to find out more!

1. Walk

This advice may sound like common sense, but many individuals with lower back pain fail to walk enough.

You may start experiencing some aches, and instead of walking for at least 30 minutes to loosen your lower back muscles, you lay down. This is a common mistake.

If you have major back pain and can’t walk for half an hour, start with five minutes.

Most Americans don’t walk as much as they should, which causes even more stress on their spine. Our bodies weren’t meant to sit all day, but to walk around.

If you have a child, take the stroller out and go for a walk. It will be beneficial for your back and relaxing for your kid.

In case you have a teenager, ask him to walk around with you. It’s going to be a good bonding experience for you both.

This may be the best tip on how to relieve lower back pain, so give it a try!

2. Swim

Another easy exercise for lower back pain is swimming. This low impact activity will strengthen your back muscles while increasing flexibility.

Strong back muscles are less prone to pain. Plus, they promote good posture and make daily activities easier.

If you have a pool or live near one, go there and get your daily dose of exercise. Stop wondering how to relieve lower back pain and start moving!

3. Lying Knee Twist

The lying knee twist is a stretch that reduces pressure on your lower back.

Lie on your back on a solid but comfy surface (either a mat or carpet). Keep your legs straight out in front, and bring one knee across your body at hip level. You should feel a light pull on your lower back and glutes.

Hold this position for 30 seconds and then alternate legs. You should do this about three times a day.

By stretching your body and increasing flexibility, you reduce pressure and stress on your lower back.

4. Cobra Stretch

This stretch is gentle enough that almost anyone can do it.

You start by lying on your stomach with your legs extended out. Your arms should be by your side while your forearms and elbows should be touching the floor.

Gently lift your upper body and adjust your weight to your forearms with your hips to the ground. You should feel a pull in your lower back and abdomen. Hold this position for 30 seconds and then slowly go back to starting position.

If you have more flexibility in your back, straighten your arms to intensify the stretch. Repeat this three times.

5. Sit Properly

If you’re a stay-at-home mom, you work from home, or if you work at a desk all day, you should learn the proper way to sit. Actually, everyone needs to learn how to sit properly.

It would be pointless for us to show you these stretches and exercises if you sit slouched for eight hours a day.

If you want to know how to relieve lower back pain, focus on improving your posture when sitting down.

Your feet should always touch the floor, and your hips should go as far back as the chair allows. The chair should be only slightly reclined, your arms should be at a 90-degree angle, and your computer screen should be at eye level.

Even though this may feel uncomfortable at first, it’s the best way to sit in order to avoid further back pain.

6. How to Relieve Lower Back Pain with Wall Sits

No matter your age, weight, or activity level, wall sits are beneficial for strengthening your back muscles.

Begin by standing 10 inches away from the wall and slowly back into it until your back is flat against the wall. Slide down until your knees are bent and your back is pressing against the wall.

Hold for a few seconds (10 if you’re starting out and 30 if you are comfortable) and stand up. You should repeat this six to 10 times depending on your activity level and the strength of your back.

7. Know When to See a Specialist

If you experience mild back pain for a prolonged period of time or have major back pain, see a chiropractor.

Whether you injured yourself or not, it’s always best to get a professional opinion. If left untreated, back pain can get worse and become chronic.

This condition won’t heal on its own. It takes time and effort to strengthen your back muscles and get rid of aches.

Sometimes, hoping for the best isn’t enough. Make an appointment with the best back pain specialist if you’re experiencing severe pain.

We know that having back pain is scary and that finding out the results may be even scarier. However, waiting for the problem to go away is not an option.

We can give you tips on how to relieve your lower back pain, but nothing can replace medical advice.

Lower Back Pain: When To Take Action?

The answer is now.

Whether you just recently began experiencing lower back pain or it has been bothering you for a while, take the steps needed to heal yourself.

We recommend eating healthy foods and drinking water to maintain a healthy weight. This will reinforce the benefits of these exercises and stretches.

If you need help on how to start eating healthy and taking care of yourself, we have plenty of articles for that too!

What’s the Right Calorie Intake for Women?

calorie intake for women

With nearly 45 million Americans going on a diet each year and most dieting targeted toward women, it can be hard to know what makes for good health.

No two bodies are the same and it’s rare that one diet can work for multiple people. While there are some basic facts related to calorie intake for women, there is no one-size-fits-all solution.

Understanding what number of calories each woman should eat is related to how active you are and what kinds of calories you consume. While calories are measured in a general way, blame has been put on fat instead of the true enemy: sugar. A low-calorie diet high in sugar is as bad as one with high calories and no sugar.

If you’re wondering what the ideal calorie intake for women is, you need to balance it with your activity. Here are a few ways to look at the problem.

For Active Women

Women who walk more than 3 miles a day or perform more than 30 minutes of exercise daily are considered “active.” Those women can easily consume 2,000 calories of fruits, vegetables, grains, and protein and maintain a healthy weight.

The average idea is to have about 18 calories per pound of body weight. For a 120-pound woman, this means 2,160 calories per day. Athletes can consume more calories than this.

If you have a diet full of healthy whole foods and organic produce, consuming this amount of calories will easily balance out the workouts you do on a daily basis.

For Moderately Active Women

If a woman walks about 1.5 to 3 miles per day and or does 15-20 minutes of exercise a day, 1,800 calories can provide a healthy balance.

When eating mostly whole foods, fibers, grains, and a diet low in sugar 1,800 calories can be hard to meet. Prepackaged, prepared, or fast food is where you can start racking up those bad calories that are hard for the body to process.

Calculate about 16 calories per pound of body weight to get a better idea.

For Less Active Women

Women who work at an office job or don’t exercise beyond daily activities are considered to be sedentary. In this case, 1,600 calories a day is an appropriate range.

Multiply body weight by 13 to get an accurate figure.

To lower your calorie intake, try adding more seafood for high-quality protein with low calories.

For Overweight Women

To help with weight loss, a balance of smart drugs, calorie reduction, and exercise are recommended. Avoid “diet” or “low fat” foods, as the natural fats have been replaced with hard to process chemicals that the liver turns into fat.

For this calculation, multiply your desirable body weight by 10. Getting down to the 1,400 calorie range isn’t too hard if you fill your diet with fruits and veggies.

A sugary apple will give you about 90 calories while a carrot has about 25. A really robust salad with oil and vinegar can easily fit under 500 calories.

Calorie Intake for Women Isn’t the End-All

As we’ve described, calorie intake isn’t everything. Activity and the kinds of calories you eat are what makes the biggest difference.

Switch from processed foods and make a rule of eating nothing with more than 5-8 ingredients listed on the package.

If you’re ready to make a big dietary change, contact us today for more tips on how to get started.

The Best Women’s Vitamins for a Healthy Lifestyle

women's vitamins

As a woman, you have special dietary requirements. Your daily meals should be rich in calcium, magnesium, zinc, and B-complex vitamins.

These nutrients can help balance your hormones, which in turn, will improve your mood and overall health.

Calcium, for instance, keeps your bones strong and lowers the risk of osteoporosis. This condition affects over 200 million women worldwide.

What if you don’t have the time to cook healthy meals and track your daily nutrient intake? In this case, women’s vitamins can help.

The key is to use them as part of a balanced diet. Let’s review the best vitamins for women.

Are Women’s Vitamins Really Necessary?

Nowadays, most foods are processed and lack nutritional value. In fact, over 70 percent of the foods available in U.S. stores are loaded with additives, preservatives, and other chemicals.

Even if you eat clean, you may still fail to get enough nutrients in your diet.

Fruits and vegetables, for example, lose valuable antioxidants during storage and transportation. Cooking reduces their nutritional value as well.

Considering these facts, it’s no wonder why most people are deficient in one or more nutrients. About 30 percent of the world’s population is anemic due to iron deficiency. More than 41 percent of Americans don’t get enough vitamin D in their diet.

Nutrient deficiencies can affect your chances to get pregnant. In the long run, they may lead to hormonal imbalances, depression, and osteoporosis. If your diet lacks vitamins A, C, and E, you may experience premature aging.

Women’s vitamins may help prevent these issues and boost your health. Let’s take a look at the most important ones:

Vitamin D

Your body produces this fat-soluble vitamin when it’s exposed to the sun. That’s why health experts recommend spending at least 10 minutes outdoors every day.

Vitamin D plays a key role in calcium absorption, cellular reproduction, and immune function. It also regulates phosphorus levels in the blood and helps your body build stronger bones.

Certain foods, such as tuna, salmon, and cod liver oil, contain this nutrient.

The problem is that most people don’t eat enough of these foods. Women’s vitamins can help prevent deficiencies and add nutrition to your diet.

Vitamin C

Vitamin C supports immune function and protects against infections. Plus, it increases collagen levels in your body, which helps maintain youthful skin.

Your body needs this vitamin to build new tissues, heal itself, and fight disease. Even the slightest deficiency can wreak havoc on your health.

Consume plenty of citrus fruits, leafy greens, and berries to get your daily dose of vitamin C. Take dietary supplements containing this nutrient, especially when it’s cold outside.


Omega-3s are not a vitamin, but they do play a vital role in women’s health. These essential fats fight inflammation, promote brain function, and reduce the risk of heart disease.

Unless you eat fish, nuts, seeds, and avocado on a daily basis, take Omega-3s in supplement form.

Select a premium brand to make sure it has optimum doses of EPA and DHA. Check out this website for quality Omega-3 supplements.

The Smart Way to Boost Your Health

These are just a few of the many vitamins every woman should take. Remember that prevention is better than treatment. Beware that not even the best supplements can compensate for bad eating.

Dietary supplements are not a cure-all, but they can keep diseases at bay and boost your health.

Do you take any vitamins? What would you recommend to other women? Leave a comment below!

10 Instagram Wedding Accounts You Need to Follow

instagram wedding

Saying “yes” to your groom-to-be’s proposal is probably the easiest part of planning a wedding. Once the excitement of that moment dies down, it’s time to budget, plan, and execute all your wedding ideas.

But, what if you don’t have many ideas to begin with? It’s hard to know exactly what you want between all the different styles of wedding dresses, bouquets, and even cake flavors.

Luckily, a little bit of inspiration can make your planning process much easier and Instagram wedding accounts offer plenty of inspiration.

Here are the top ten wedding accounts to follow for your big day.

1. Jose Villa – @josevilla

Jose Villa considers weddings to be perfect settings for fine art. After all, what could be more beautiful than celebrating love? He knows exactly how to frame any bride’s special day.

While your budget may not be enough to book Jose, you can at least use his photography style as a guide. Show his account to the photographer you plan to have at your wedding. Talk in detail about the photo angles and filters used and which ones call out to you.

This will help your video and photo team get all the shots you want.

2. Our Labor of Love – @ourlaboroflove

If you live in a big city and are absolutely clueless about who to hire for photography, @ourlaboroflove is the Instagram wedding account for you.

This is a collective of various photographers and videographers in different cities – all of them specializing in weddings. Such a network of creatives is bound to lead you to the right people for the job on your wedding day.

Not to mention, their unique approaches to wedding photography will give you even more ideas. This may spark a thought on how to do your table settings or set up your walk down the aisle.

Every detail counts to create the perfect setting, and this Instagram account will show you how to get it all right.

3. Bash, Please – @bashplease

Speaking of having the best setting possible, check out @bashplease. This Instagram wedding account is all about creating gorgeous sets for any occasion.

Bash, Please has a track record of working in many different kinds of environments and using various styles of wedding themes. All you have to do is scroll through their account to see for yourself!

Who knows, one of their shots might be something you want to recreate on your own terms. There’s no reason you can’t get the right look for your ideal price.

4. The Venue Report – @thevenuereport

No matter how you decorate your dream wedding, much of the day comes down to the venue. The Venue Report was created to help lavish ladies keep an eye on beautiful destination venues.

But, there’s no reason you can’t use this account for ideas on what to look for in the venues around you!

Use this Instagram wedding account to help get you out of the mindset of a traditional wedding hall. At the very least, let it serve as inspiration for where to host the post-wedding party.

5. Stevi Auble – @heytherecupcake_

Wherever there’s a party, there is some form of cake involved.

Stevi Auble knows a thing or two about weddings and sweet treats; she even wrote a book about it. Now, @heytherecupcake_ is the account she uses to document all the lovely eats she finds (and sometimes creates).

Her account will help you picture a cake tower in your mind, just the way you want it.

Or, she’ll encourage you to step outside the lines and serve up small sweet treats like mini cupcakes or macaroons. These are all the rage at weddings, and allow people to eat and mingle with ease.

6. Moon Canyon – @mooncanyon

While guests are hitting the dance floor or heading for the bar, they will be taking pictures and looking around. Capture their attention with floral design ideas you’ve taken from Moon Canyon.

Moon Canyon is the go-to guide for all things table settings, bouquets, and more. If there is a flower involved, they’ve done it before.

Browse through all their creations for the ideas your wedding is missing.

7. Becky DeOiveira – @blushandbloom

If you’ve got all the flower arrangements covered except for the bouquet, don’t save this detail for last. Think of it like the final piece of your outfit; as beautiful as your wedding dress may be, the bouquet ties everything together.

Get this detail just right with a little Insta-inspo from Becky DeOiveira.

She has been handmaking brides’ bouquets for years. Although she likely won’t be making yours herself, her creations will give you all the ideas you need to make your own.

8. Chic Parisien – @chicparisien

As much as one bouquet can make a big difference, it only holds attention for so long until people start looking at every detail of your dress. Make it a look to remember with the help of Chic Parisien.

Based in Miami, this boutique knows a thing or two about making wedding dreams come true.

Take a trip to this beautiful city to shop your bride-to-be heart out, and maybe practice some Spanish, too! Look for your anillos de boda here or make it a trip to discover all the best Latin food the area has to offer on top of wedding shopping.

Note: the bridal dresses at this high-end fashion store might be a far reach, but a girl can dream, right? Check out Chic Parisien’s Instagram for all the style tips you need to create a look that is totally you – and totally affordable.

9. LOHO Bride – @loho_bride

Are you the bride who wants to change outfits between the ceremony and the party? Are you looking for just one look that is a little daring?

Get your style inspiration from none other than LOHO Bride. LOHO stands for League of Her Own, which is very fitting for a bride on her big day.

Create the ceremony and celebration that is all about you and your partner, regardless of rules or tradition. Do things your way and have fun in each part of the process with the help of this Instagram wedding account.

10. Hung Vanngo – @HungVanngo

When all is said and done, you still have to get ready!

There’s nothing you can do about flowers or table settings anymore when the day finally arrives. But, you can spend as much time as you need to look perfect.

Plan your makeup beforehand to minimize your stress. Scroll through professional celebrity style artist, Hung Vanngo’s, account to get a little inspiration.

Make Your Instagram Wedding Ideas Come to Life

Although the accounts above tend to be pretty extravagant, there’s no reason you can’t recreate their styles to have an elegant wedding of your own. Not to mention, you can accomplish all you want without spending more than you need!

Use your wedding budget to help you make ends meet and talk to your partner about what really matters and what doesn’t.

For financial planning tips and tricks, click here.

Buying a House: How to Prepare Financially

buying a house

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.