Nicholas Desantis' Blog
Your first week in your new home is an exciting time. It’s also a very busy one. There is just so much to do to get everything in order and settled in! Some things are more important to get done this first week than others. On the other hand, there are tasks you’ll be glad you completed your first week instead of putting them off.
Here’s your guide to your first week in your new home.
Start by opening new accounts for all of your utilities as soon as possible. These are the non-negotiables you simply can’t live without. These utilities include things like:
Internet, phone and cable/satellite
You’ll want to rekey all of the locks of your new home. You never know who has a key to the current locks. While you are having the locks rekeyed be sure to have extras made as well. Give backups to friends and family that you trust and consider getting a safe box for a spare key should you lock yourself out.
Plan to deep clean before you begin unpacking and settling in. Wipe down walls, mop floors, dust every cranny and hire a carpet cleaner. If you plan on repainting do it while the rooms are still (mostly) empty. You will only have to move furniture once and it will be easier to clean up afterward.
Refer to your inspector report for maintenance tasks. Plan them out by making necessary arrangements. Hire professionals, schedule out weekend projects and purchase necessary supplies. If this is your first house you’ll want to purchase equipment to take care of your new yard. Especially items like a lawnmower, hose and gardening tools.
Change your address on important accounts such as bank accounts, credit cards, health insurance, memberships, subscriptions and workplace benefits. Hopefully, you’ve already put in your change of address with the post office. However, this is only for a few months which is why it’s important to make these changes now.
Locate all of your shut off valves in case of emergency. Know where the main shut off valves are as well as the minor ones. Familiarize yourself with your circuit breaker and make sure that it is appropriately labeled. Now is a great time to come up with an emergency plan and course of action for your family in case anything should happen.
The first week in a new home can feel very hectic. There is just so much to do in such a small amount of time! However, there are always tasks that need to take priority. Use this guide for your first week in your new home to get everything in order with the least amount of friction during the process.
Let's face it – the process of packing up your belongings and moving them to a new home can be exhausting. However, if you prepare plenty of healthy, delicious snacks, you and your moving day team will be better equipped than ever before to conquer any challenges that come your way.
Ultimately, preparing snacks before moving day is essential. Yet determining which snacks to offer sometimes can be difficult, particularly for those who have large groups of family members and friends ready to provide moving day assistance.
Lucky for you, we're here to help you plan ahead so that you can provide your entire moving day team with outstanding snacks.
Now, let's take a look at five tips for preparing moving day snacks.
1. Get a Headcount
You know that family members and friends are happy to help you move, and you should get a headcount to understand just how much food that you'll need to keep your loved ones happy and healthy on moving day.
Remember, when it comes to moving day snacks, it usually is better to err on the side of caution. And if you end up with extra snacks after moving day concludes, you can always give these treats to family members and friends. Or, you can celebrate the completion of a successful move by enjoying your extra snacks on your own.
2. Ask People What Types of Snacks They Like
Learn what types of snacks that your family members and friends like. If you ask these loved ones about their preferred snacks several days or weeks prior to moving day, you'll have plenty of time to get snacks ready that your entire moving day team can enjoy.
3. Identify Any Dietary Restrictions
Ask friends and family members about any dietary restrictions that they may have. By doing so, you can avoid the risk of preparing snacks that certain members of your moving day team won't be able to eat.
4. Don't Forget About Drinks
Providing water and sports drinks on moving day usually is a good idea. Offering various beverages will make it easy for your family members and friends to stay hydrated while they move large, heavy boxes into your new house.
5. Be Ready to Call for Takeout
Even a well-planned morning or afternoon move can stretch late into the evening. As such, if you run out of snacks, you should be ready to call for takeout.
Make a list of takeout restaurants near your new home before moving day – you'll be glad you did. With this list, you'll be ready to call for takeout if moving day runs long and you need extra food.
Lastly, if you need additional assistance as you get ready for your move, it often pays to collaborate with a real estate agent. In addition to helping you buy or sell a home, this housing market professional can offer expert moving day tips.
Get snacks ready for moving day – use the aforementioned tips, and you should have no trouble providing your moving day team with delectable treats.
Buying a home will likely be one of the largest financial decisions you will make in your lifetime. While this may seem scary at first, it’s worth noting that buying a home can also be a valuable financial investment.
When it comes to preparing to buy a home, many people just wait until they run out of room in their apartment before deciding that they need to upgrade to a home. A better approach, however, would be to start planning for your first home a year or more in advance.
Saving for a down payment is a vital step to making the best long-term financial decision. A larger down payment can help you pay off your home sooner, pay thousands or tens of thousands less in interest, and start using your home equity as an asset.
But, saving for a down payment is easier said than done. So, in this post, we’re going to talk about some of the ways you can aggressively save for a down payment so that, when the time comes, you can achieve long-term financial security from your investment.
Setting your savings goals
The first thing you should be thinking about when saving for a down payment is what your goals are in a home. Setting realistic goals in this phase will make saving for your down payment more feasible and less discouraging.
Think about what you really need from a home at this point in your life and compromise where you can.
Remember that on top of your monthly mortgage payments, you’ll likely also be paying for taxes, insurance, utilities, homeowners association fees, and more.
Save on a timeline
When setting your savings goal, make sure you’re aware of the timeframe you’re working with. If you want to buy a home next year, you’ll need to focus on short-term savings options. However, if you’re okay with renting for the next 5 years, investing your money could be a better option.
Lock away your savings
Treat your down payment savings like an emergency fund. Open a separate account, automatically deposit a portion of your pay into the account, and never withdraw from it. To do this, you will, of course, need to already have an emergency fund with a month’s expenses in it.
However, once you’ve established your emergency fund, start immediately depositing into your savings account.
Pay off credit cards
It may seem like saving for a down payment is more pressing than paying off old debt. However, the numbers will show that making interest payments on your credit cards is essentially throwing away money that could have been used toward your down payment savings.
Adjust your spending habits
While it isn’t easy to start spending less once you’ve built a standard of living, there are ways to spend less money and still lead a fulfilling life. Think about where your money goes each month, including bills and services you might pay for.
Now could be the best time to cut the cord and start using a service like Hulu to save $50 or more each month.
Time for a raise?
If it’s been some time since your last pay raise, now could be an ideal time to speak with your employer. To improve your chances of success, don’t discuss reasons outside of work that might be influencing your decision to ask for a raise (such as saving for a down payment). Rather, back up your request with evidence of your accomplishments at work.
Owning a second home or vacation home is the dream of many Americans hoping to retire in style. However, owning a second home can also be a huge financial asset and even an added form of income if you’re savvy with the rental process.
What stops most of us from buying a vacation home in our ideal getaway? The funding, of course. But, there are ways to plan ahead to ensure you’ll be ready to take the plunge and purchase a second home when the time comes.
In today’s blog post, we’re going to be talking about the steps to buying a home away from home and give you some tip on how to accomplish this goal in the most financially-sensible way possible.
1. Location is Key
When you buy a second home, you take on all the responsibilities of homeownership a second time. Since you won’t be around every day to tend to maintenance tasks and troubleshoot problems, you risk discovering costly repairs that could otherwise be avoided.
The most common issues to be concerned with are frozen pipes in northern climates, flooding in coastal areas, and problems like pests that can be found just about anywhere.
Depending on your budget, you might want a home you can drive out to on the weekends, meaning somewhere close by to your primary home. This option also makes it easier to stay up-to-date on home maintenance tasks before they become an issue.
2. Try before you buy
If your ideal vacation home is in an area you’re not totally familiar with, it’s a good idea to visit the neighborhood, talk to the locals, and gain their perspective on the area before buying.
This trip will also give you a sense of what you can expect to spend each time you visit the home. And, if you plan on renting out the property when you aren’t using it, you’ll be able to gauge what a reasonable rent price is for the location.
3. Earning income from your vacation home
Making extra cash from a home that you get to use pretty much whenever you want. Sounds like a dream, right? It can be if done properly, but you’ll need to ensure a few things before you can start earning income from your vacation property.
First, be aware that investment properties often require a larger down payment (typically 30%). Lenders also charge extra interest on homes that will be rented out.
Finally, there are local and state-level laws you’ll need to adhere to. These laws are designed to protect your interests as well as the people who rent out your property, so make sure you use a standard rental agreement for your area.
4. Making an offer
You’ve been here before. Once you’ve decided on a home, it’s time to start crafting your offer and negotiating with the seller’s agent.
However, before you pick a number, do some research on all of the expenses you’ll be paying on the house in question. Property taxes, homeowners association dues, utilities, and any other costs should be on your radar before determining if it’s the right home for your budget.
You’ll also want to be aware of the stipulations of renting out a property you own. This includes reporting income from renting your home to the IRS.
Now that you know the steps you’ll need to take to move toward your goal of buying a vacation home, you’ll be better equipped to make decisions that are best for you and your family’s future.