MONEY SAVING TIPS WHILE TRAVELING

MONEY SAVING TIPS WHILE TRAVELING

We all love making bucket lists, traveling, exploring new places and accomplishing at least one destination off our list. Traveling is certainly the best kind of hobby, it is more of like a passion which gives adventure to our soul, … Continue reading

HERE’S HOW DEBT CONSOLIDATION CAN HELP YOU

HERE’S HOW DEBT CONSOLIDATION CAN HELP YOU

Falling into the trap of unmanageable debt is a very common situation nowadays. It is a proven fact that more than 45% of people in the US spend more than what they earn. Climbing out of the trap of debt … Continue reading

HOW STRESS AFFECTS YOUR WALLET

HOW STRESS AFFECTS YOUR WALLET

  Worry and anxiety are probably the most operative words usable as descriptive vocabularies of the term stress. Do you have fear or anxiety clouding in any sphere of your life? Do you have professional or job-related stress? Concerns about … Continue reading

GETTING A MORTGAGE: 5 STEPS FOR EASE AND SUCCESS

MortgageWhether you are a potential home buyer, looking to find a home of your own, or an existing homeowner, who seeks better terms and/ or rate on your mortgage, it’s important to know a little more about the process of getting the best one, at the best terms. Since the vast majority of individuals use a mortgage loan to pay for their house, I felt it might be helpful to review some things to consider. With that in mind, this article will attempt to briefly examine and consider 5 steps you might wish to consider following, to ensure this often – tense, stressful process and period, becomes somewhat easier and more successful.

1. Check, and fully review, your Credit Report: Especially in today’s atmosphere and environment, where there is so much Identity Theft, it’s smart to begin, by doing this. First, review the report for accuracy, etc. Then, look at the items, and report, the way the lending institution might. Begin, by looking at your debt-to-income ratio. The desirable maximum for this changes, periodically, but if you keep it to about one-third (maximum), you’ll probably be somewhat safe. Prepare about 3 months, or more, before you begin the process, and pay – down, your debt. Do not wait to the last – minute to do so. If you can do this, a year or more before, it’s even better!

2. Repair: One of the primary reasons to begin Step One, as far in advance, as possible, is to give you the opportunity, to make any necessary repairs, and to enhance your credit rating, as much as possible. Be careful to avoid requesting or taking out any new credit during this period, because doing so, might harm or reduce your credit score!

3. Patiently wait after steps one and two: Optimally, waiting a year, will get you the best results, but you should always wait, at least 3 or more months, after you’ve made your repairs and/ or fixes.

4. Stay away from any credit offers, etc, during this period: That offer you get in a retail store, which will give you, immediately, an extra discount on your purchase, is not harmless, but, rather, might negatively impact your overall credit. Keep your eyes on the target!

5. Be prepared for the down payment: Most lenders will want to know where your down payment, and other funds, come from. At least 3 or more months in advance, place your probable down payment, in an account, you can clearly provide statements for, demonstrating your ownership.

A little bit of preparation and paying attention to some relevant details, will generally make the process go smoother and easier. If you really want and/ or need that mortgage, do all you can to be prepared!

An article written by Richard Brody. Brought to you by Ezinearticles, 

5 COMMON CREDIT CARD MYTHS

5 COMMON CREDIT CARD MYTHS

We’ve all been given information regarding credit and how to use it that may be incorrect. It’s important to sift through the myths and get to the truths that will help us to maintain, rebuild, or start a good relationship … Continue reading

SPRING CLEANING TIPS – GET YOUR SPRING CLEANING DONE FAST!

SpringClean[1]

Alright, so we all know that we have to do spring cleaning on our house if we want our house to be clean and less stressful. If you are like me then some of the cleaning gets put off a bit in the winter with the rationalization the we have to be able to open the house up some to really get our house clean.

No more procrastinating. We can get fresh air in our homes and get our house clean but don’t spend more time than you need to.

So without further ado here are some spring cleaning tips to get your housework done fast.

1. The first spring cleaning tip is to make a list of what you want to accomplish.
For me this makes my work go super quick. Why you ask?

Good question!

When you make a detailed list of what you want to accomplish you will spend way less time wondering around your house doing this or that’s. You need focused effort when doing spring cleaning or it will take forever.

So how do you make your spring cleaning checklist?

Well the first thing you need to do is to walk around each room and look at what you have not cleaned in a while. This includes fans, under couches, walls, etc. Don’t forget the corners at the ceilings.

A great way to get cobwebs is simply with a broom. A broom will reach up to the top of the wall with no problem so that means no climbing for you.

Go through each room and make a checklist of what you need to accomplish that way you can systematically go through each room and get it done.

When you try to do spring cleaning without a checklist you will end up going from thing to thing without ever really finishing your first job.

2. Make sure you use the right cleaners for the job.

A common mistake made when cleaning (and I used to be guilty of this too) is that we use one or two multipurpose cleaners to clean everything in the house. As far as spring cleaning tips goes this is important because using a multi cleaner for everything means that you will be spending way to much time scrubbing when you do not need to.

So what kind of cleaners should you be using for your spring cleaning?

You want to make sure that the cleaners you are using are the appropriate ones for the job. For example, if you are cleaning the bathroom you should be using a bathroom cleaner that is made for soap scum. If you are not then you are going to be spending way to much time getting your shower clean.

If you are trying to get your floor back to it’s original color make sure you use a floor cleaner and actually use a scrub brush instead of just a mop. You will spend less time spring cleaning your kitchen floor with a scrub brush then you would trying to get it sparkling clean with a mop and it will come out nicer.

3. To end the list of spring cleaning tips is painting your walls.

Technically this is not cleaning but painting your walls is an easy, inexpensive way to really make your house shine and it is perfect to do in the spring because you need to be able to have your windows open to paint.

If you would like your house to have a light airy feel to it choose a light color. If you have found a darker color that you absolutely love then paint one of your four walls with the darker color and the rest a lighter color. The contrast will be stunning.

Brought to you by Ezinearticles