house http://www.wisebread.com/taxonomy/term/6942/all en-US 8 Biggest Regrets of New Homeowners http://www.wisebread.com/8-biggest-regrets-of-new-homeowners <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-biggest-regrets-of-new-homeowners" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/house_key_on_keychain.jpg" alt="House key on keychain" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Buying a home is a big decision. When you buy your first home, it can turn out to be one of the happiest moments of your life, and set you and your family up for years of comfort. But there are also countless decisions to make during the buying process, and it's easy to make one you'll regret later.</p> <p>It helps to know common traps others have learned from. Try to avoid these mistakes that many new homebuyers have made. (See also: <a href="http://www.wisebread.com/what-you-need-to-know-before-buying-your-first-home?ref=seealso" target="_blank">What You Need to Know Before Buying Your First Home</a>)</p> <h2>1. You bought more house than you can afford</h2> <p>It's easy to purchase a home that may be out of your price range. Banks are known to approve homebuyers for loans that are way beyond what should be sensibly budgeted. It's also tempting to buy a more costly home than you need, based on the assumption that you will earn more in the future.</p> <p>A good rule of thumb is to avoid paying more than 30 percent of your gross income on housing. Anything more than that, and you may find yourself financially handcuffed. When searching for homes, be sure to have a budget in mind, and do your best to stick to that budget even if it means walking away from homes you like. (See also: <a href="http://www.wisebread.com/how-to-make-ends-meet-when-youre-house-poor?ref=seealso" target="_blank">How to Make Ends Meet When You're House Poor</a>)</p> <h2>2. You did not put enough money down</h2> <p>Making a big down payment can make things much easier for a homeowner in the long run. If you are able to save up enough to put down at least 20 percent, there's a good chance you'll avoid paying private mortgage insurance (PMI), which can add thousands of dollars in overall costs. Plus, a bigger down payment will help you qualify for a more favorable loan, and will reduce the amount you need to borrow.</p> <p>Homeowners who can't make a sizable down payment often find themselves struggling financially because the mortgage costs are onerous. The more money you put down, the more money you'll save &mdash; and the better off you'll be.</p> <h2>3. You did not get the right kind of mortgage</h2> <p>There are many different mortgage products out there. <a href="http://www.wisebread.com/fixed-or-adjustable-choosing-the-right-mortgage-loan?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed:+wisebread+(Wise+Bread)" target="_blank">Loans with fixed interest rates or adjustable rates</a>, interest-only loans, <a href="http://www.wisebread.com/choosing-the-right-mortgage-loan-15-or-30-years" target="_blank">30-year loans, and 15-year loans</a>. It can be bewildering and hard to find the right mortgage for you. The key is to understand what kind of homebuyer you are.</p> <p>Generally speaking, if you want to build equity in your home and plan to stay a while, you will want a fixed-rate mortgage. A 30-year term is most common and often allows for manageable monthly payments, but shorter terms can make sense if you want to pay off your loan sooner and you can afford to pay more each month.</p> <p>Adjustable rate mortgages, which often start with low interest rates that can change after a certain time period, make sense for those who think they may only stay in the home for a few years.</p> <p>Interest-only loans, in which you begin paying interest before any principal, tend to be riskier and don't help you build equity. But they might be right for people who want very low payments to start and think they can refinance or handle higher payments later.</p> <p>Do you plan to stay in the house a long time or move within a few years? What is your budget, both in terms of down payment and monthly payments? These are hard decisions, but it is important to research your mortgage loan options thoroughly before locking one in.</p> <h2>4. You didn't reduce debt and improve your credit before buying</h2> <p>The interest rate on your mortgage is based on a variety of factors, most importantly your current debt level and credit score. If you already have a high debt load and your credit score is mediocre or poor, you may end up with a higher interest rate. This could add thousands of dollars to the overall cost of your home.</p> <p>You may be eager to buy that first house, but you should first take time to pay off any current debts and <a href="http://www.wisebread.com/how-to-rebuild-your-credit-in-8-simple-steps" target="_blank">improve your overall credit picture</a>.</p> <h2>5. You should have continued renting</h2> <p>There is a lot of pressure on people to buy instead of rent, because it can be a path to long-term financial security. But there are many cases where it's perfectly fine &mdash; and perhaps wiser &mdash; to continue renting.</p> <p>If your income is inconsistent or your job security is in question, renting is a better option. If you expect you may need to move within a short period of time, renting makes sense. If you don't have enough money for a sizable down payment yet, continuing to rent is fine. Renting offers flexibility and is often cheaper, so there should be no rush to buy if you're not comfortable doing so. (See also: <a href="http://www.wisebread.com/rent-your-home-or-buy-heres-how-to-decide?ref=seealso" target="_blank">Rent Your Home or Buy? Here's How to Decide</a>)</p> <h2>6. You bought a home that needed work</h2> <p>A so-called &quot;fixer upper&quot; can be a great bargain for those willing to invest the time, sweat, and money on making necessary repairs. But this type of home isn't for everyone.</p> <p>Purchasing a home that requires heavy renovation can be a source of stress, and if you're not handy enough to fix things yourself, it may be more expensive for you in the long run.</p> <h2>7. You waived the inspection</h2> <p>During the housing boom a decade ago, competition for homes was so fierce that buyers were willing to forgo a routine inspection in order to close a deal. In fact, some sellers saw a demand for an inspection as a deal-breaker. Today, this is a recipe for potential disaster.</p> <p>An inspection should be an essential part of the homebuying process, allowing you to learn about any problems before you make a financial commitment. No homeowner should find themselves stuck with a house full of problems simply because they waived their right to inspect the property beforehand. (See also: <a href="http://www.wisebread.com/thinking-of-skipping-the-home-inspection-heres-what-it-will-cost-you?ref=seealso" target="_blank">Thinking of Skipping the Home Inspection? Here's What It Will Cost You</a>)</p> <h2>8. You researched the house, but not the area</h2> <p>It's a beautiful house and you got it for a great price. But after moving in, you realize that your commute to work just doubled. Or maybe you learned that the school system is not well-regarded. Or that the neighborhood has a high crime rate. Or the home backs up to the wastewater treatment plant.</p> <p>Remember that when you buy a home, you're not just buying a property. You're selecting a place to live and possibly raise your family. There's more to home than just the structure and the yard. If you don't do the research on your new neighborhood, you could end up sorely disappointed. (See also: <a href="http://www.wisebread.com/how-to-evaluate-a-neighborhood-before-you-buy?ref=seealso" target="_blank">How to Evaluate a Neighborhood Before You Buy</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/8-biggest-regrets-of-new-homeowners">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-home-buying-habits-we-can-learn-from-millennials">4 Home-Buying Habits We Can Learn From Millennials</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-build-equity-in-your-home">How to Build Equity in Your Home</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-why-a-30-year-mortgage-is-a-smart-financial-choice">Here&#039;s Why a 30-Year Mortgage Is a Smart Financial Choice</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-reasons-why-youre-too-old-or-too-young-for-a-mortgage-loan">4 Reasons Why You&#039;re Too Old — Or Too Young — For a Mortgage Loan</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-signs-youre-paying-too-much-for-your-mortgage">8 Signs You&#039;re Paying Too Much for Your Mortgage</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Real Estate and Housing house house poor inspections interest loans mortgages new homeowner payments regrets renting Tue, 06 Jun 2017 09:00:09 +0000 Tim Lemke 1959133 at http://www.wisebread.com Get Your Home Cleaner Than a Pro Can — And Save Big http://www.wisebread.com/get-your-home-cleaner-than-a-pro-can-and-save-big <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/get-your-home-cleaner-than-a-pro-can-and-save-big" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_cleaning_house_000067964943.jpg" alt="Woman getting home cleaner than a pro and saving big" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Want to cut $200 or more from your budget this month? Consider parting ways your cleaning service. Sure, it's not the most glamorous task to take on yourself &mdash; but keeping your house sparkling clean doesn't have to be intimidating or even take too much time. In 2014, Angie's List polled its members and discovered that most were spending between&nbsp;<a href="https://www.angieslist.com/articles/how-much-does-it-cost-hire-house-cleaner.htm">$100 and $150</a> on bi-weekly house cleanings. Put that money back in your pocket with these tips.</p> <h2>Collect Your Tools</h2> <p>One of the most annoying things about cleaning your house yourself is having to round up all your equipment and cleaners. Make it easy by creating a bucket you can carry around you home and then store in one convenient place.</p> <p>What should go in the bucket?&nbsp;<a href="http://www.cleanmama.net/">Clean Mama</a> suggests items from the following categories:</p> <ul> <li>Dusting tools (feather duster, hand duster, ceiling fan duster, extender pole)<br /> &nbsp;</li> <li>Window wipers (squeegee, etc.)<br /> &nbsp;</li> <li>General cleaning cloths (cotton, microfiber, and paper towels)<br /> &nbsp;</li> <li>Cleaners (all-purpose, stainless, disinfectant, wipes, and scrub)</li> </ul> <h2>Simplify Your Routine</h2> <p>Better yet, save some cash you've been spending on cleaning supplies and make your own using natural ingredients. I clean my home using mostly&nbsp;<a href="http://www.wisebread.com/how-to-clean-everything-with-just-3-all-natural-cleaners">vinegar, baking soda, and lemon juice</a> with a few drops of essential oil mixed in. If you make your own natural cleaning supplies, you'll need just one or two bottles to do the tasks of what used to take many more.</p> <p>And a good bar rag will outlast many paper towels as you make your way from room to room. When you're done, just toss it in the wash to reuse on your next deep clean. (See also:&nbsp;<a href="http://www.wisebread.com/9-greener-cheaper-alternatives-to-paper-cleaning-products?ref=seealso">9 Greener, Cheaper Alternatives to Paper Cleaning Products</a>)</p> <h2>Make a List</h2> <p>To help yourself stay on task, it's helpful to create a checklist. What goes on your checklist will depend on your unique needs, so take some time to think about the areas that get the most dirt in your home. You can even distribute a list to family members and divvy up the tasks to make the cleaning go faster. (See also:&nbsp;<a href="http://www.wisebread.com/9-things-in-your-house-youre-forgetting-to-clean?ref=seealso">9 Things in Your House You're Forgetting to Clean</a>)</p> <p>Of course you'll want to give your kitchen and bathrooms a good scrub. Your living areas and bedrooms will need to be tidied and get special attention too (don't forget to wash your pillows!). Otherwise, thinking of the rest might feel daunting. <a href="http://images.marthastewart.com/images/content/web/pdfs/2007Q2/la_0407_spring_cleaning.pdf">Martha Stewart</a> shares that the following areas should definitely get some attention:</p> <ul> <li>Walls and ceilings: Wipe them down to get rid of dust and grime, especially in kitchens.<br /> &nbsp;</li> <li>Grout lines: Those pesky lines between your tiles can look amazing again with a little scrubbing and some sealer.<br /> &nbsp;</li> <li>Carpets and rugs: Vacuum all of them. If you have the extra time, try periodically shampooing them. (Note: Rugs that don't have waterproof backings will need the help of a professional.)<br /> &nbsp;</li> <li>Shelves and furniture: Dust every nook and cranny. A crevice tool is helpful here. And don't forget to dust the books while you're at it.<br /> &nbsp;</li> <li>Cushions, etc.: Take upholstered furnishings outdoors to beat off dust. Vacuum the rest.<br /> &nbsp;</li> <li>Wooden furniture: First wipe your wooden surfaces clean and then let dry. Apply wax to condition and buff once it dries.<br /> &nbsp;</li> <li>Curtains, etc.: When's the last time you washed your drapes? If they're machine washable, stick them in your next load. Then dust and clean your blinds, interior shutters, or shades while you wait.<br /> &nbsp;</li> <li>Window screens: Especially in the spring, it's good to give your screens some love. Take them out and wash with dish soap, rinse, and re-hang.<br /> &nbsp;</li> <li>Floors: For vinyl or linoleum, you'll want to use a wax or other cleaning agent specifically made for those materials. Otherwise, the surface may lose shine over time.</li> </ul> <p>Bonus: Cleaning your home from top to bottom is also a great time to ensure fire safety. Check and replace batteries on your smoke and carbon monoxide detectors.</p> <h2>Break It Up</h2> <p>Yes, it's more gratifying to have your entire house cleaned in one fell swoop. If you don't have that sort of time to devote, try breaking up the bigger parts over the course of a few days to a week. After doing an initial big clean, my family decided on a rough schedule to tackle tasks on the regular before things ever get too gunky.</p> <p>We clean the kitchen, tidy the living spaces, and clear out junk mail on the daily. We vacuum the floors and do the laundry and recycling every other day. Then once a week, the focus moves to the bathrooms, bedrooms, and trash collection. Things we do less often? Washing windows, deep cleaning floors, dusting everything, and wiping down furniture. Those tasks happen maybe once or twice a month. It's a system that works for us &mdash; and our house looks and feels fresh.</p> <p>How you break up everything will depend on what gets dirty the fastest and what's most important to you. (See also:&nbsp;<a href="http://www.wisebread.com/25-cheap-and-easy-fixes-that-make-your-house-look-amazing?ref=seealso">25 Cheap and Easy Fixes That Make Your House Look Amazing</a>)</p> <h2>Move Things Around</h2> <p>Since a lot of these tips are general, I thought I'd share my biggest secret for getting your house as clean as the pros do. You need to move your stuff around and clean above, underneath, behind, etc. Dust and grime loves to accumulate in crevices and corners, so don't let it hide out for months or years at a time. The next time you set out to clean your spaces, pull that rug up and vacuum underneath or shift that love seat and find what's lurking in the darkness.</p> <p>Moving things around means moving your body, too. Stand on a chair or get on the floor to find those places you're missing, like the tops of your ceiling fan or your baseboards.</p> <p><em>Do you use a cleaning service? If you do it yourself, what's your biggest tip for getting your home sparkling clean on a budget?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/get-your-home-cleaner-than-a-pro-can-and-save-big">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/19-frugal-and-easy-ways-to-update-an-old-home">19 Frugal (And Easy) Ways to Update an Old Home</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ease-into-minimalism-with-some-simple-steps">Ease Into Minimalism With Some Simple Steps</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-properly-clean-these-14-kitchen-tools-and-appliances-naturally">How to Properly Clean These 14 Kitchen Tools and Appliances — Naturally</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-some-cash-with-these-6-clever-cleaning-hacks">Save Some Cash With These 6 Clever Cleaning Hacks</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-really-easy-ways-to-unclog-drains">10 Really Easy Ways to Unclog Drains</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Home budgeting cleaning house maid service tidying up Tue, 03 May 2016 09:00:10 +0000 Ashley Marcin 1698663 at http://www.wisebread.com Best Money Tips: Make Your House Look Awesome for $50 or Less http://www.wisebread.com/best-money-tips-make-your-house-look-awesome-for-50-or-less <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-make-your-house-look-awesome-for-50-or-less" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple-painting-home-484031105-small.jpg" alt="couple painting home" title="couple painting home" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on making your house look awesome for $50 or less, ways to save $1,000 for holiday shopping, and cash-back websites for online shoppers.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.moneytalksnews.com/2014/09/04/23-ways-to-make-your-house-look-awesome-for-50-or-less/">23 Ways to Make Your House Look Awesome for $50 or Less</a> &mdash; Decluttering and tackling your carpet stains can make your house look awesome without breaking the bank. [Money Talks News]</p> <p><a href="http://www.creditsesame.com/blog/ways-to-save-1000-before-christmas/">12 Ways to Save $1,000 for Holiday Shopping in the 12 Weeks Before Christmas</a> &mdash; Being smart with your utilities and doing a financial fast may help you save $1,000 before the holidays. [Credit Sesame]</p> <p><a href="http://www.kiplinger.com/article/spending/T050-C011-S001-5-cash-back-web-sites-for-online-shoppers.html?si=1">5 Cash-Back Websites for Online Shoppers</a> &mdash; Online shoppers should check out Ebates and FatWallet. [Kiplinger]</p> <p><a href="http://www.popsugar.com/smart-living/Things-Look-Forward-Your-30s-35196883">18 Reasons Why You Should Look Forward to Turning 30</a> &mdash; When you turn 30, you will get to reap the benefits of the bad experiences you had in your 20s. [PopSugar Smart Living]</p> <p><a href="http://www.carefulcents.com/dealing-with-day-job-and-side-business/">How to Hold Down a Day Job While Nurturing Your Business on the Side</a> &mdash; When juggling a full time job and a side business, get organized and don't be afraid to ask for help. [Careful Cents]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.getrichslowly.org/blog/2014/09/04/voluntarily-slashed-salary/">Why I Voluntarily Slashed My Salary</a> &mdash; Being underemployed may not be for everyone, but if your definition of a rich life doesn't include money, slashing your salary may be a good optoin for you. [Get Rich Slowly]</p> <p><a href="http://www.lifehacker.co.uk/2015/03/30/solve-debt-problems-how-to-take-control-of-your-debt">Solve Debt Problems: How to Take Control of Your Debt</a> &mdash; Start by figuring out exactly how much you owe, and then create a realistic budget that you can follow. [Lifehacker UK]</p> <p><a href="http://parentingsquad.com/7-ways-to-teach-our-sons-to-respect-women">7 Ways to Teach Our Sons to Respect Women</a> &mdash; If you want your son to respect women, teach him to speak kindly and to be chivalrous. [Parenting Squad]</p> <p><a href="http://the-military-guide.com/">Eight Reasons Not to Worry About Military Retirement</a> &mdash; Members of the military returning from duty shouldn't worry about retirement if they haven't been offered a job yet. Once they ramp up their job search, they should have more success and be able to save for retirement. [The Military Guide]</p> <p><a href="http://www.bargaineering.com/articles/talk-sense-freespending-teenaged.html">Oh, How I Wish I Could Go Back and Talk Some Sense into My Free-Spending Teenaged Self</a> &mdash; Do you wish you had started saving at a younger age? What is the best advice you'd give your younger self? [Bargaineering]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-make-your-house-look-awesome-for-50-or-less">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-generic-home-goods-buys-better-than-the-expensive-originals">7 Generic Home Goods Buys Better Than the Expensive Originals</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-your-home-cleaner-than-a-pro-can-and-save-big">Get Your Home Cleaner Than a Pro Can — And Save Big</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-you-ready-for-home-ownership">Are You Ready for Home Ownership?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-and-worst-places-to-stash-cash-in-your-home">The Best and Worst Places to Stash Cash in Your Home</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-really-easy-ways-to-unclog-drains">10 Really Easy Ways to Unclog Drains</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home awesome best money tips cheap decorate house Mon, 08 Sep 2014 19:00:05 +0000 Ashley Jacobs 1204544 at http://www.wisebread.com Best Money Tips: Steps to Make Sure You Buy the Right House http://www.wisebread.com/best-money-tips-steps-to-make-sure-you-buy-the-right-house <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-steps-to-make-sure-you-buy-the-right-house" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple-buying-house-491066665-small.jpg" alt="couple buying house" title="couple buying house" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some amazing articles on making sure you are buying the right house, maximizing your dollar at Subway, and creating work/life balance when your kids return to school.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.saveoutsidethebox.com/make-sure-its-the-right-house-to-buy/">7 Steps to Make Sure It's the Right House to Buy</a> &mdash; Scoping out the neighborhood and making a pros and cons checklist is important when deciding whether or not to buy a home. [Save Outside The Box]</p> <p><a href="http://www.lazymanandmoney.com/maximize-dollar-subway/">Mazimize Your Dollar at Subway</a> &mdash; To maximize your dollar at Subway, do the survey on the receipt for free food. [Lazy Man and Money]</p> <p><a href="http://kylebumpus.com/5-bs-myths-about-building-wealth-everyone-thinks-are-true/">5 BS Myths About Building Wealth Everyone Thinks Are True</a> &mdash; It is not true that you will never get rich working for someone else. [Kyle Bumpus]</p> <p><a href="http://parentingsquad.com/9-tips-for-parents-to-create-worklife-balance-when-kids-return-to-school">9 Tips for Parents to Create Work/Life Balance When Kids Return to School</a> &mdash; Scheduling your time wisely and being honest can help you maintain a work life balance when your kids go back to school. [Parenting Squad]</p> <p><a href="http://thenewyorkbudget.com/2014/07/14/spend-less-without-giving-entertainment-fund/">How to Spend Less Without Giving Up Your Entertainment Fund</a> &mdash; If you want to spend less on your necessities so you don't have to give up your entertainment fund, consider substituting certain products or services for cheaper ones. [The New York Budget]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.savvysugar.com/Unreal-Travel-Destinations-Europe-35514639">31 Unreal Travel Destinations in Europe You Didn't Realize You Could Visit</a> &mdash; If you go to Europe, take the time to visit Abisko National Park and Krka. [PopSugar Smart Living]</p> <p><a href="http://mywifequitherjob.com/what-successful-online-store-owners-do-differently/">Why Beginners Fail and What Successful Online Store Owners Do Differently</a> &mdash; Successful online store owners choose winnable niches. [My Wife Quit Her Job]</p> <p><a href="http://investorinthefamily.com/become-ultimate-travel-hacker/">Become the Ultimate Travel Hacker</a> &mdash; By understanding how your credit score is calculated, you can save some serious dough on travel. [Investor in the Family]</p> <p><a href="http://moneytalkscoaching.com/evaluate-the-risks-and-rewards/">Evaluate the Risks and Rewards</a> &mdash; Savings accounts are a safe place to keep your money, but they also have a very low return. [Money Talks]</p> <p><a href="http://siliconbayounews.com/2014/08/20/fall-is-coming-10-things-startups-should-be-doing-now/">Fall is Coming: 10 Things Startups Should Be Doing Now</a> &mdash; Startups should take the time now to develop a content strategy and dial in their startup profiles. [Silicon Bayou News]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-steps-to-make-sure-you-buy-the-right-house">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-you-ready-for-home-ownership">Are You Ready for Home Ownership?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/renting-is-cheaper">Renting is cheaper</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-big-of-a-house-do-you-really-need">How Big of a House Do You Really Need?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/refi-shy-how-to-determine-if-now-is-the-time-to-refinance">ReFi Shy? How to Determine If Now Is the Time to Refinance</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-long-can-you-stay-in-your-home-after-you-stop-paying-the-mortgage">How Long Can You Stay in Your Home After You Stop Paying the Mortgage?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Real Estate and Housing best money tips buy house invest purchase real estate Wed, 27 Aug 2014 19:00:04 +0000 Ashley Jacobs 1195108 at http://www.wisebread.com Best Money Tips: Have a Clean Place Without Cleaning http://www.wisebread.com/best-money-tips-have-a-clean-place-without-cleaning <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-have-a-clean-place-without-cleaning" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/3184304498_8553af6021_z.jpg" alt="bedroom" title="bedroom" class="imagecache imagecache-250w" width="250" height="167" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on having a clean place without cleaning, giving memorable gifts without going into debt, and spending your tax refund wisely.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.savvysugar.com/How-Shorten-Cleaning-Time-22498197">11 Ways to Have a Clean Place Without Cleaning</a> &mdash; To have a clean place without cleaning, reduce the amount of stuff you have. [SavvySugar]</p> <p><a href="http://ptmoney.com/memorable-gifts/">6 Ways to Give Memorable Gifts Without Going Into Debt</a> &mdash; Give a memorable gift without going into debt by spending time instead of money. [PT Money]</p> <p><a href="http://genxfinance.com/how-to-spend-your-tax-refund-wisely/">How to Spend Your Tax Refund Wisely</a> &mdash; Consider using your tax refund to pay down debt or fix up your home. [Generation X Finance]</p> <p><a href="http://www.carefulcents.com/increase-your-financial-savvy/">3 Ways to Increase Your Financial Savvy as a Female Entrepreneur</a> &mdash; If you want to increase your financial savvy as a female entrepreneur, surround yourself with like-minded entrepreneurs. [Careful Cents]</p> <p><a href="http://www.joetaxpayer.com/5-essential-steps-to-prepare-for-tax-season/">5 Essential Steps to Prepare for Tax Season</a> &mdash; Asking the right questions and getting organized will help you prepare for tax season. [Joe Taxpayer]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.20sfinances.com/2013/02/25/traditional-ira-vs-roth-ira-which-one-is-better-for-young-adults/">Traditional IRA vs Roth IRA: Which One is Better for Young Adults</a> &mdash; Did you know traditional IRAs are tax deferred while Roth IRAs are tax exempt? [20's Finances]</p> <p><a href="http://livingonthecheap.com/fine-arts-on-the-cheap/">4 ways to experience fine arts on the cheap</a> &mdash; To experience fine arts on the cheap, check out community and college art organizations. [Living on the Cheap]</p> <p><a href="http://www.stretcher.com/stories/12/12feb27b.cfm?slider#.USuznoXxJl8">Garage Sales 101</a> &mdash; The best time to have a garage sale is on a weekend in May or June. [The Dollar Stretcher]</p> <p><a href="http://youngandthrifty.ca/who-should-pay-on-dates/">Who Should Pay on Dates?</a> &mdash; Do you think going dutch on a date is a bad idea? [Young and Thrifty]</p> <p><a href="http://parentingsquad.com/8-tips-for-preparing-a-birth-plan-0">8 Tips for Preparing a Birth Plan</a> &mdash; When preparing a birth plan, use clear and assertive language. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-have-a-clean-place-without-cleaning">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/get-your-home-cleaner-than-a-pro-can-and-save-big">Get Your Home Cleaner Than a Pro Can — And Save Big</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-really-easy-ways-to-unclog-drains">10 Really Easy Ways to Unclog Drains</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-reasons-to-get-spring-cleaning-done-during-winter">7 Reasons to Get Spring Cleaning Done During Winter</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-air-fresheners">The 5 Best Air Fresheners</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-mops">The 5 Best Mops</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home best money tips cleaning home house Tue, 26 Feb 2013 10:48:34 +0000 Ashley Jacobs 968096 at http://www.wisebread.com Best Money Tips: Mistakes to Avoid When Selling Your Home http://www.wisebread.com/best-money-tips-mistakes-to-avoid-when-selling-your-home <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-mistakes-to-avoid-when-selling-your-home" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/3687555021_dc1e3b8c08_z.jpg" alt="Mistakes to Avoid When Selling Your Home" title="Mistakes to Avoid When Selling Your Home" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on mistakes to avoid when selling your home, changing your life for the better, and revitalizing your finances.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.moolanomy.com/4370/5-mistakes-to-avoid-when-selling-your-home-egbirken/">5 Mistakes to Avoid When Selling Your Home</a> &mdash; When selling your home, don't make the mistake of letting emotions get in the way. [Moolanomy]</p> <p><a href="http://www.savvysugar.com/How-Change-Your-Life-Year-26709448">30 Moves To Change Your LIfe For The Better This Year</a> &mdash; To change your life for the better this year, consider volunteering or taking a class. [SavvySugar]</p> <p><a href="http://www.doughroller.net/personal-finance/12-month-plan-to-revitalize-your-finances/">A 12-Month Plan to Revitalize Your Finances</a> &mdash; Revitalize your finances this year by maxing out your retirement savings in January. [The Dough Roller]</p> <p><a href="http://www.smartonmoney.com/the-real-cost-of-identity-theft/">The Real Cost Of Identity Theft</a> &mdash; Identity theft costs $50 billion and affects 15 million people each year. [Smart on Money]</p> <p><a href="http://www.dollarversity.com/5-highly-promising-degrees-for-undergrads-to-consider/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+DollarVersity+%28DollarVersity+%3A+A+distinctive+voice+standing+out+from+the+crowd%29">5 Highly Promising Degress for Undergrads to Consider</a> &mdash; Biomedical engineering and nursing are two highly promising degrees undergrads should consider. [Dollarversity]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.getrichslowly.org/blog/2013/01/09/the-most-important-decision-you%E2%80%99ll-make-about-your-portfolio/">The most important decisino you'll make about your portfolio</a> &mdash; One of the most important questions you will consider when it comes to your portfolio is how much risk you are willing to take. [Get Rich Slowly]</p> <p><a href="http://www.fivecentnickel.com/2013/01/08/financial-lessons-learned/">Financial Lessons Learned</a> &mdash; The idea of getting a degree in four years is getting replaced by the reality that it may actually take up to six years to get a degree due to the concept of supply and demand. [Five Cent Nickel]</p> <p><a href="http://www.freemoneyfinance.com/2013/01/bank-or-credit-union.html">Bank or Credit Union?</a> &mdash; Credit unions can offer you high interest checking accounts while banks make it easy to transfer money. [Free Money Finance]</p> <p><a href="http://financialhighway.com/why-we-dont-act-in-our-best-interest/">Why We Don't Act In Our Best Interest</a> &mdash; Sometimes we don't act in our best interest because we give ourselves too many options. [Financial Highway]</p> <p><a href="http://parentingsquad.com/6-natural-ways-to-beat-the-winter-blues">6 Natural Ways to Beat the Winter Blues</a> &mdash; To beat the winter blues, get some exercise! [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-mistakes-to-avoid-when-selling-your-home">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-biggest-regrets-of-new-homeowners">8 Biggest Regrets of New Homeowners</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/think-you-can-afford-more-house-in-the-exurbs-think-again">Think you can afford more house in the exurbs? Think again.</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-you-ready-for-home-ownership">Are You Ready for Home Ownership?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/best-tips-for-first-time-home-buyers-learn-to-trust">Best Tips for First Time Home Buyers: Learn to Trust</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/house-hunting-these-features-will-save-you-big-over-the-long-haul">House Hunting? These Features Will Save You Big Over the Long Haul</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Real Estate and Housing best money tips home house selling Fri, 11 Jan 2013 11:00:31 +0000 Ashley Jacobs 965656 at http://www.wisebread.com Best Money Tips: Ways to Save Money for a House http://www.wisebread.com/best-money-tips-ways-to-save-money-for-a-house <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-ways-to-save-money-for-a-house" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/209565075_179324630c_z(1).jpg" alt="Ways to Save Money for a House" title="Ways to Save Money for a House" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some fantastic articles on ways to save money for a house, steps to take before a job interview, and how to protect your stuff.</p> <h2>Top 5 Articles</h2> <p><a href="http://steadfastfinances.com/blog/2012/12/03/5-ways-to-save-money-for-a-house/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+SteadfastFinances+%28Steadfast+Finances%29">5 Ways to Save Money for a House</a> &mdash; Consolidating your debts can help you save money for a house. [Steadfast Finances]</p> <p><a href="http://www.savvysugar.com/Interview-Preparation-Tips-Time-Line-20892485">10 Essential Steps To Take Before A Job Interview</a> &mdash; Before you go into a job interview, remember to turn off your phone. [SavvySugar]</p> <p><a href="http://www.getrichslowly.org/blog/2012/12/04/stuff-how-to-protect-it/">Stuff: How to protect it</a> &mdash; Keep your stuff safe by getting an alarm and monitor. [Get Rich Slowly]</p> <p><a href="http://www.biblemoneymatters.com/5-ways-you-can-give-back-to-those-who-are-in-need-this-holiday-season/">5 Ways You Can Give Back To Those Who Are In Need This Holiday Season</a> &mdash; To give back this holiday season, put together a gift box for less fortunate children. [Bible Money Matters]</p> <p><a href="http://www.freemoneywisdom.com/saving-dos-and-donts-14-ways-to-cut-back-spending/">Saving Dos and Don'ts: 14 Ways to Cut Back on Spending</a> &mdash; If you want to cut back on your spending, have your friends over instead of going out. [Free Money Wisdom]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.smartonmoney.com/5-tips-for-a-successful-homemade-christmas/">5 Tips for a Successful Homemade Christmas</a> &mdash; Being thoughtful can help make your homemade Christmas a success. [Smart on Money]</p> <p><a href="http://www.stretcher.com/stories/11/11dec05h.cfm#.UMBiY4WbMb8">7 Habits of Highly Frugal People</a> &mdash; Highly frugal people tend to embrace a do-it-yourself lifestyle and find uses for their old items.[The Dollar Stretcher]</p> <p><a href="http://www.fivecentnickel.com/2012/12/04/five-unusual-investments-you-may-not-have-considered/">Five Unusual &quot;Investments&quot; You May Not Have Considered</a> &mdash; Chances are you've never considered investing in collectibles. [Five Cent Nickel]</p> <p><a href="http://www.freemoneyfinance.com/2012/12/a-simple-way-to-calculate-your-retirement-number.html">A Simple Way to Calculate Your Retirement Number</a> &mdash; To calculate your retirement number, you must take into consideration your social security and pension income. [Free Money Finance]</p> <p><a href="http://parentingsquad.com/prosquad-choosing-open-adoption">ProSquad: Choosing Open Adoption</a> &mdash; Some level of openness in an adoption can be beneficial to all parties involved in an adoption. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-ways-to-save-money-for-a-house">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-signs-youre-paying-too-much-for-your-mortgage">8 Signs You&#039;re Paying Too Much for Your Mortgage</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/buying-a-house-heres-where-to-keep-your-down-payment">Buying a House? Here&#039;s Where to Keep Your Down Payment</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-biggest-regrets-of-new-homeowners">8 Biggest Regrets of New Homeowners</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-why-your-parents-could-buy-a-home-while-you-still-rent">Here&#039;s Why Your Parents Could Buy a Home While You Still Rent</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/think-you-can-afford-more-house-in-the-exurbs-think-again">Think you can afford more house in the exurbs? Think again.</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Real Estate and Housing best money tips house saving Fri, 07 Dec 2012 10:48:36 +0000 Ashley Jacobs 959700 at http://www.wisebread.com Best Money Tips: Steps to Buying a House http://www.wisebread.com/best-money-tips-steps-to-buying-a-house <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-steps-to-buying-a-house" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/2363244104_7b1deb0fb0_z-1.jpg" alt="Steps to Buying a House" title="Steps to Buying a House" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on steps to buying a house, reasons you need a spending plan, and Black Friday myths exposed.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.thousandaire.com/9-big-steps-to-buying-a-house/">9 Big Steps to Buying a House</a> &mdash; When buying a house, don't forget to get an inspection. [Thousandaire]</p> <p><a href="http://www.freemoneyfinance.com/2012/10/6-reasons-you-need-a-spending-plan.html">6 Reasons You Need a Spending Plan</a> &mdash; It is important to have a spending plan because you need to understand where your money is going. [Free Money Finance]</p> <p><a href="http://livingonthecheap.com/2012/10/14-black-friday-myths-exposed/">14 'Black Friday' myths exposed</a> &mdash; Just because you see a leaked Black Friday ad doesn't mean it's accurate. [Living on the Cheap]</p> <p><a href="http://www.stackthechips.com/3-things-to-save-on-3-things-to-splurge-on/">3 Things To Save On / 3 Things To Splurge On</a> &mdash; It is ok to splurge on under garmets, but just make sure to save on food. [Stack The Chips]</p> <p><a href="http://www.freemoneywisdom.com/5-simple-tips-to-saving-money-on-your-energy-bills/">5 Simple Tips to Saving Money on Your Energy Bills</a> &mdash; Save money on your energy bills by air drying your clothes. [Free Money Wisdom]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.savvysugar.com/Steps-Take-After-Job-Interview-2871452">5 Steps To Take After A Job Interview</a> &mdash; After you interview for a job, critique your performance. [SavvySugar]</p> <p><a href="http://www.thedigeratilife.com/blog/upside-down-car-loan/">How To Escape An Upside Down Car Loan</a> &mdash; Want to escape your upside down car loan? Consider selling your car. [The Digerati Life]</p> <p><a href="http://www.thewisdomjournal.com/Blog/9-signs-youre-financially-dysfunctional/">9 Signs You Are Financially Dysfunctional</a> &mdash; You may be financially dysfunctional if you are only enjoying relative success. [The Wisdom Journal]</p> <p><a href="http://dqydj.net/how-to-get-started-investing-when-youre-hopelessly-clueless-or-dont-care/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+DQYDJ+%28Don%27t+Quit+Your+Day+Job%29">How to Get Started Investing When You're Hopelessly Clueless (Or Don't Care!)</a> &mdash; Are you trying to get started investing but don't know what you are doing? Look into Target Date Funds! [Don't Quit Your Day Job]</p> <p><a href="http://parentingsquad.com/the-list-what-to-take-the-hospital-when-having-a-baby">The List: What to Take to the Hospital When Having a Baby</a> &mdash; If you are going to be headed to the hospital and having a baby soon, remember to pack your toiletries. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-steps-to-buying-a-house">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/renting-is-cheaper">Renting is cheaper</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-you-ready-for-home-ownership">Are You Ready for Home Ownership?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-you-should-be-saving-big-with-bi-weekly-mortgage-payments">Why You Should Be Saving Big With Bi-Weekly Mortgage Payments</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-is-private-mortgage-insurance-anyway">What Is Private Mortgage Insurance, Anyway?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-a-buying-a-foreclosed-home-ever-a-good-idea">Is Buying a Foreclosed Home Ever a Good Idea?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Real Estate and Housing best money tips buying a house house real estate Wed, 24 Oct 2012 07:59:00 +0000 Ashley Jacobs 955321 at http://www.wisebread.com Best Money Tips: Items Every Home Needs http://www.wisebread.com/best-money-tips-items-every-home-needs <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-items-every-home-needs" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/2780326893_cdb9a447f3_z-1.jpg" alt="Items Every Home Needs" title="Items Every Home Needs" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some stellar articles on handy items every home needs, how not to handle sudden wealth, and how to reduce student debt.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.mint.com/blog/housing/7-handy-little-items-every-home-needs-1012/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+MyMint+%28Mint+Personal+Finance+Blog%29">7 Handy Little Items Every Home Needs</a> &mdash; Every home needs a sewing kit and a flashlight. [MintLife Blog]</p> <p><a href="http://www.soundmindinvesting.com/vblog/sudden-wealth/">How NOT to handle sudden wealth</a> &mdash; If you suddenly become wealthy, practice self-control. [Sound Mind Investing]</p> <p><a href="http://www.thedigeratilife.com/blog/paying-for-college-reduce-student-debt/">Paying For College: How To Reduce Student Debt</a> &mdash; Want to reduce your student debt? Consider a Federal Work-Study Program. [The Digerati Life]</p> <p><a href="http://creativemoney.biz/2012/10/09/five-steps-to-finding-your-side-hustle/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+CreativeMoneyBlog+%28Creative+Money+Blog%29">Five Steps To Finding Your Side Hustle</a> &mdash; Get started with your side hustle by brainstorming your skills. [Creative Money]</p> <p><a href="http://www.needmoney.com/2012/10/the-twenty-something-guide-to-saving/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+needmoney%2Fufju+%28Need+Money%29">The Twenty-Something Guide to Saving</a> &mdash; When saving money in your twenties, do not touch your retirement savings. [I Need Money]</p> <h2>Other Essential Reading</h2> <p><a href="http://financialhighway.com/5-cheap-ways-to-avoid-a-full-bathroom-remodel/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+financialhighway%2Fray+%28Financial+Highway%29">5 Cheap Ways to Avoid a Full Bathroom Remodel</a> &mdash; Avoid a full bathroom remodel by installing towel warmers. [Financial Highway]</p> <p><a href="http://www.takeasmartstep.com/exercise-higher-income/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+SmartStepInc+%28Smart+Step++%29">Exercise Your Way to a Higher Income</a> &mdash; Exercise can increase your income 6-10%. [Take a Smart Step]</p> <p><a href="http://www.savvysugar.com/How-Save-Money-Pet-Food-25352045">Chow Down: 7 Tips For Saving Money On Pet Food</a> &mdash; To save money on pet food, make it yourself. [SavvySugar]</p> <p><a href="http://financeguidetips.com/fire-how-to-stay-safe-at-home/">Fire! How to Stay Safe at Home</a> &mdash; When burning a fire, leave glass doors open. [FinanceGuideTips]</p> <p><a href="http://parentingsquad.com/5-festive-fall-birthday-party-themes">5 Festive Fall Birthday Party Themes</a> &mdash; If you are trying to figure out a good theme for your child's fall birthday party, consider making it football themed. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-items-every-home-needs">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-big-of-a-house-do-you-really-need">How Big of a House Do You Really Need?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-does-frugal-living-mean-to-you">What Does Frugal Living Mean to You?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-new-things-to-do-today">25 New Things to Do Today</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-fishing-rods">The 5 Best Fishing Rods</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pocket-knives">The 5 Best Pocket Knives</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle best money tips home house Thu, 11 Oct 2012 10:24:40 +0000 Ashley Jacobs 955042 at http://www.wisebread.com Best Money Tips: Inexpensive Ways to Boost House Value http://www.wisebread.com/best-money-tips-inexpensive-ways-to-boost-house-value <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-inexpensive-ways-to-boost-house-value" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/2896230484_a02077ea29_z-1.jpg" alt="Inexpensive Ways to Boost House Value" title="Inexpensive Ways to Boost House Value" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on inexpensive ways to boost house value, counterfeit vs. real goods, and tax tips for the unemployed.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.bargaineering.com/articles/goods-counterfeit-real.html">Are Those Goods Counterfeit, or &quot;Real&quot;?</a> &mdash; Did you know that electronics and medications are some of the most counterfeited items brought into the US? [Bargaineering]</p> <p><a href="http://www.freemoneyfinance.com/2012/03/10-inexpensive-ways-to-boost-house-value.html">10 Inexpensive Ways to Boost House Value</a> &mdash; Boost the value on your house by doing some easy bath upgrades. [Free Money Finance]</p> <p><a href="http://billeater.com/tips/7-essential-tax-tips-unemployed">7 Essential Tax Tips for the Unemployed</a> &mdash; If you are unemployed, make sure to hold onto receipts that relate to job search expenses. [billeater.com]</p> <p><a href="http://www.mattaboutmoney.com/2012/03/13/how-to-build-and-maintain-a-strong-credit-score/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+MattAboutMoney+%28Matt+About+Money%29">How to Build and Maintain a Strong Credit Score</a> &mdash; To build a strong credit score, be cautious about opening new accounts. [Matt About Money]</p> <p><a href="http://www.budgetsaresexy.com/2012/03/cheap-hotel-rooms-priceline-hotwire-combo/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+budgetsaresexy+%28Budgets+are+Sexy.%29">How to Save Even MORE on Hotel Rooms</a> &mdash; Save even more on hotel rooms by using Priceline and Hotwire together! [Budgets Are Sexy]</p> <h2>Other Essential Reading</h2> <p><a href="http://fitzvillafuerte.com/6-quick-tips-for-beginner-investors.html?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+ReadyToBeRich+%28Ready+To+Be+Rich%29">6 Quick Tips For Beginning Investors</a> &mdash; As a beginning investor, make sure to monitor your investments. [Ready To Be Rich]</p> <p><a href="http://parentingsquad.com/spring-into-health">Spring Into Health: Tips for the Family</a> &mdash; Get healthy this spring by doing short workouts and staying positive. [Parenting Squad]</p> <p><a href="http://www.savvysugar.com/Best-Paying-Jobs-22203012">6 Careers For People Who Want To Make Lots Of Money</a> &mdash; If you want to make a lot of money, consider being a surgeon or a lawyer. [SavvySugar]</p> <p><a href="http://www.household-budget-made-easy.com/home-renovation-tips.html#axzz1pD7PQ800">Home Renovation Tips for a Tiny Budget</a> &mdash; Renovate your home without breaking the bank by refinishing your wood cabinets. [Household Budget Made Easy]</p> <p><a href="http://www.marcandangel.com/2012/03/12/12-lies-to-stop-telling-yourself/">12 Lies To Stop Telling Yourself</a> &mdash; Stop telling yourself that things will never get better or that failure is a bad thing. [Marc and Angel Hack Life]</p> <h2>News &amp; Events</h2> <p><a href="http://www.wisebread.com/top-100-most-popular-personal-finance-blogs/news/2012/03/radio-show-on-mom-2-mom-sales">Radio Show on Mom 2 Mom Sales</a> &mdash; Be sure to check out Monroe on a Budget on My 98.3 at 7:40 a.m. EST Friday March 16 as she discusses the Mom 2 Mom Sale.</p> <p>Be sure to check out our <a href="http://www.wisebread.com/top-100-most-popular-personal-finance-blogs/news">News &amp; Events Calendar</a> to see all the awesome upcoming events in the personal finance world!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-inexpensive-ways-to-boost-house-value">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-air-fresheners">The 5 Best Air Fresheners</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-allergen-sprays">The 5 Best Allergen Sprays</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-glass-cleaners">The 5 Best Glass Cleaners</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-shower-curtains">The 5 Best Shower Curtains</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-floor-steamers">The 5 Best Floor Steamers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home best money tips home house Fri, 16 Mar 2012 10:00:19 +0000 Ashley Jacobs 911553 at http://www.wisebread.com Best Money Tips: Hidden Costs of Buying a House http://www.wisebread.com/best-money-tips-hidden-costs-of-buying-a-house <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-hidden-costs-of-buying-a-house" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/bigstock_Couple_Buying_House_4574433-1.jpg" alt="Hidden Costs of Buying a House" title="Hidden Costs of Buying a House" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on the hidden costs of buying a house, vacations to take when your budget is low, and alternatives to traditional gift-wrapping.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.thousandaire.com/blog/the-hidden-costs-of-buying-a-house/">The Hidden Costs of Buying a House</a> &mdash; One of the hidden costs of buying a house you might overlook are the closing costs. [Thousandaire]</p> <p><a href="http://www.savvysugar.com/Cheap-Vacation-Ideas-20531368">5 Vacations to Take When Your Budget Is Low</a> &mdash; Want to take a cheap vacation even when your budget is low? Consider going to a winery. [SavvySugar]</p> <p><a href="http://blog.creditkarma.com/credit-scores/do-you-know-what&rsquo;s-not-in-your-credit-score/">Do You Know What's NOT In Your Credit Score?</a> &mdash; Things such as age and interest rates are not included in your credit score. [Credit Karma Blog]</p> <p><a href="http://www.getrichslowly.org/blog/2011/11/22/that&rsquo;s-a-wrap-some-alternatives-to-traditional-gift-wrapping/">That's a Wrap: Some Alternatives to Traditional Gift-Wrapping</a> &mdash; Instead of purchasing wrapping paper, consider wrapping gifts in old maps. [Get Rich Slowly]</p> <p><a href="http://www.thesimpledollar.com/2011/11/22/the-unemployment-plan/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+thesimpledollar+%28The+Simple+Dollar%29">The Unemployment Plan</a> &mdash; If you are unemployed, be sure to investigate COBRA and build up your emergency fund. [The Simple Dollar]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.forbes.com/sites/financialfinesse/2011/11/23/8-tips-for-turning-your-nest-egg-into-retirement-income/">8 Tips for Turning Your Nest Egg Into Retirement Income</a> &mdash; To turn your nest egg into retirement income, try to not withdraw too much of your portfolio. [Forbes]</p> <p><a href="http://moneysmartlife.com/signs-of-a-bad-investment/">7 Signs of a Bad Investment</a> &mdash; If you only have a limited time to get in on an investment, it's probably a bad investment. [Money Smart Life]</p> <p><a href="http://www.financialwoman.com/6-steps-for-a-financial-health-checkup?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+FinancialWoman+%28Financial+Woman%29">6 Steps for a Financial Health Check Up</a> &mdash; Give yourself a financial health check up by looking at what you spent money on in 2011. [Financial Woman]</p> <p><a href="http://parentingsquad.com/a-7-day-plan-to-preparing-your-home-for-holiday-guests">Parenting Squad Holiday Guide: A 7-Day to Prepare Your Home for Guests</a> &mdash; Prepare for home guests by dusting the entire house before the arrive. [Parenting Squad]</p> <p><a href="http://www.theopenappcenter.com/improve-cash-flow/essential-tools-maximize-cash-flow/?intlink=us-apfuel-hpcontentarticlecashflowmax">Essential Tools to Maximize Cash Flow</a> -- When calculating your cash flow, make sure you account for variable expenses. [American Express OPEN Forum]</p> <h2>News &amp; Events</h2> <p><a href="http://www.wisebread.com/top-100-most-popular-personal-finance-blogs/news/2011/10/wise-bread-tweetchat-wbchat-2">Wise Bread Tweetchat (#WBChat)</a> &mdash; Don't miss our weekly tweetchat at 12pm PST! We will be giving away prizes and talking about Thanksgiving and Black Friday!</p> <p>Be sure to check out our <a href="http://www.wisebread.com/top-100-most-popular-personal-finance-blogs/news">News &amp; Events Calendar</a> to see all the awesome upcoming events in the personal finance world!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-hidden-costs-of-buying-a-house">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-simple-ways-to-live-rent-free">5 Simple Ways to Live Rent-Free</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-you-really-afford-to-live-in-your-dream-city">Can You Really Afford to Live in Your Dream City?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/real-estate-appraisals-ten-things-most-people-just-dont-understand-about-them">Real Estate Appraisals - Ten things most people just don&#039;t understand about them</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-biggest-regrets-of-new-homeowners">8 Biggest Regrets of New Homeowners</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-how-much-life-in-the-big-city-will-cost-you">Here&#039;s How Much Life in the Big City Will Cost You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Real Estate and Housing best money tips house housing Thu, 24 Nov 2011 11:00:43 +0000 Ashley Jacobs 798282 at http://www.wisebread.com What Does Frugal Living Mean to You? http://www.wisebread.com/what-does-frugal-living-mean-to-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/what-does-frugal-living-mean-to-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000011748597XSmall.jpg" alt="Woman holding two model houses" title="Woman holding two model houses" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>Let me ask you this. If your friend recently bought a $1 million dollar house, is that an act of frugality? What if she could actually buy a house worth $10 million but decided to spend only 1/10 of what she could really afford? Does that change your answer? A $500,000 house is VERY expensive amongst many social circles, but Warren Buffett, the billionaire investor, is always praised about his lack of desire to spend on luxury because he is still living in his house thought to be worth about $500,000.</p> <p>When you are the second richest person in the world, are you frugal if you opted for a million dollar home instead of buying a multimillion dollar mansion? I mean, a million dollars to Warren Buffett is like the cost of dinner to most of the general public! Shouldn't he be using a different scale when it comes to what is deemed frugal?</p> <h3>Frugality Is Relative</h3> <p>Most of the time, we judge others' financial habits by what we can see from the outside &mdash; the clothes they wear, the cars they drive, and the house they buy. We never realize how much money they make, and never compare what they spend as it relates to what they can actually afford. Keeping up with the Joneses? What if Mr. Jones is a billionaire?</p> <p>As you can see, the meaning of frugality is relative. What frugal living means to you may be totally different than what it means for someone else. Your neighbor could buy a $1,000 purse and she could still be frugal, while a $100 pair of shoes from another neighbor could mean that he spent too lavishly. So how can you compare? Your coworkers may have a large inheritance, your friends could have married rich, and your neighbors might be fortunate enough to run a successful business. <strong>You don't know other people's situation, and more importantly, why does it matter anyway?</strong></p> <ul> <li>Does your neighbor's BMW help <em>you</em> get to a comfortable retirement faster?</li> <li>Does your coworker's lavish vacation make <em>your</em> retirement more relaxing?</li> <li>Does your friend's purse hold more secrets to <em>your</em> financial independence?</li> </ul> <p>Take frugal living personally. In other words, stop minding other people's business like trying to keep up with the Joneses and be happy that you are frugal and that you are working towards your financial independence. In your own way of course.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/david-ning">David Ning</a> of <a href="http://www.wisebread.com/what-does-frugal-living-mean-to-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-frugal-changes-you-can-make-today">25 Frugal Changes You Can Make Today</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/sleeping-in-airports-for-the-stranded-and-frugal-minded">Sleeping In Airports For The Stranded And Frugal Minded</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-big-of-a-house-do-you-really-need">How Big of a House Do You Really Need?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/your-finances-4-emotional-decisions-to-avoid">Your Finances: 4 Emotional Decisions to Avoid</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle frugality house Joneses Mon, 28 Jun 2010 14:46:58 +0000 David Ning 154656 at http://www.wisebread.com Best Tips for First Time Home Buyers: Learn to Trust http://www.wisebread.com/best-tips-for-first-time-home-buyers-learn-to-trust <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-tips-for-first-time-home-buyers-learn-to-trust" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/trust.jpg" alt="Trust" title="Trust Exercise" class="imagecache imagecache-250w" width="250" height="168" /></a> </div> </div> </div> <p><em>We have just finished buying our first home. It's a great feeling, but has been a long process with a steep learning curve. </em><em>Over the next few weeks </em><em>I'm going to be sharing tips and stories in an occasional series about buying your first home.</em></p> <p>As chronic information gatherer I started out the home buying process by scouring the internet for information and hitting up the local library. I read everything I possibly could about buying a house.</p> <p>I read 8 or 9 books, countless blogs and websites, reread book chapters, and still couldn't fully understand the home buying process. I talked to friends and family who own homes.&nbsp; After all of this information hunting I concluded:&nbsp;there is too much to know about the ins and outs of buying a house to learn it all yourself.</p> <p>Thus, I learned to trust.&nbsp; There is a reason people specialize in real estate careers.&nbsp; Just like most people don't represent themselves in major court cases, most people don't buy a house without assistance.</p> <p>Here are the best tips for starting the home buying process.</p> <h2>Find People You Can Trust and Trust Them</h2> <p>Because you can't know everything about buying a home, you need to surround yourself with people who know more than you.&nbsp; And these people need to be people that you trust.&nbsp; Here at the key trustworthy people you need on your side:</p> <p><strong>Realtor</strong></p> <p>Find a realtor who will tell you if a home is a good value for the neighborhood (and if the neighborhood itself is any good).</p> <p><strong>Mortgage Broker</strong></p> <p>Find a mortgage broker who answers your questions honestly and truthfully and does so in a patient and professional manner.</p> <p><strong>House Inspector</strong></p> <p>Find a home inspector who is certified and will take the time to walk you through your house and point out all its faults.</p> <p><strong>Friend or Family Member</strong></p> <p>Find a friend or family member who can give you a second opinion on a house you like to point out qualities about the house that fit with your likes and dislikes. (Perhaps the kitchen is too small, but your favorite activity is cooking.)</p> <p><em>I'll discuss in future posts more specific questions to ask these people, the qualities suggested above are a starting point. &nbsp;The critical piece is that they are people you can trust.<br /> </em></p> <h2>Ultimately Trust Your Gut</h2> <p>While it's critical to find people you can trust, ultimately you have to live in the house you buy, with the mortgage rate you lock-in, and with the house's quirks and problems. So, if your gut is tells you something is off, do more research.&nbsp;</p> <p>Moreover, no one will have more invested in your home than you will.&nbsp; Realtors and mortgage brokers earn commission based on the cost of the house/mortgage you buy.&nbsp; So, the more expensive your house and mortgage, the more money they earn.&nbsp; (There are exceptions, but this is the general rule.)&nbsp; So, while you should trust these people, do some homework and remember their biases.</p> <h2>Ask Questions</h2> <p>I asked hundreds of questions while house hunting. The people we surrounded ourselves with provided sometimes brutally honest answers, but these answers were critical to having a good experience.</p> <p>Buying a home is an enormous endeavor.&nbsp; But by finding people you trust, the process will run a little more smoothly.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/elizabeth-lang">Elizabeth Lang</a> of <a href="http://www.wisebread.com/best-tips-for-first-time-home-buyers-learn-to-trust">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-biggest-regrets-of-new-homeowners">8 Biggest Regrets of New Homeowners</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/think-you-can-afford-more-house-in-the-exurbs-think-again">Think you can afford more house in the exurbs? Think again.</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-you-ready-for-home-ownership">Are You Ready for Home Ownership?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/house-hunting-these-features-will-save-you-big-over-the-long-haul">House Hunting? These Features Will Save You Big Over the Long Haul</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-questions-to-ask-before-applying-for-a-heloc">5 Questions to Ask Before Applying for a HELOC</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Real Estate and Housing home buyer house Thu, 26 Mar 2009 18:44:08 +0000 Elizabeth Lang 2971 at http://www.wisebread.com Think you can afford more house in the exurbs? Think again. http://www.wisebread.com/think-you-can-afford-more-house-in-the-exurbs-think-again <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/think-you-can-afford-more-house-in-the-exurbs-think-again" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/live-in-the-energy-of-downtown.jpg" alt="Condos for sale--Live in the energy of downtown" title="Live in the energy of downtown" class="imagecache imagecache-250w" width="250" height="211" /></a> </div> </div> </div> <p>Many people who live in the far-out suburbs move there because they can buy more house for the money than they can in town.  As an example from where I live, a house in Champaign-Urbana would cost about $60,000 more than a comparable house in one of the nearby towns or villages.  If you do the math, though, $60,000 is a pretty small sum, compared to the cost of owning one extra car.</p> <p>According to the <a href="http://www.apta.com/">American Public Transportation Association</a>, replacing one car with a combination of walking and public transportation saves a household <a href="http://www.apta.com/media/releases/080731_transit_savings.cfm">$8059 per year in reduced spending</a> on fuel, maintenance, insurance, registration, depreciation, finance charges, etc.  (Even after adding back in the cost of public transit.)</p> <p>So, if you bought a house in town--close enough to work that one member of the household who currently drives to work could give up a car and instead get around by mass transit and walking--you&#39;d free up enough cash to boost your mortgage payment by $672 a month.  At current rates on a 30-year mortgage (6.52%, according to the <a href="http://research.stlouisfed.org/fred2/series/WRMORTG?cid=114">St. Louis Fed</a>), that much extra per month would let you buy $106,097 more house.   </p> <p>Of course, having an extra car is handy for other things besides just getting to work--there&#39;s also transporting the kids, running errands, getting to doctors and dentists, and so on.  But, it&#39;s really not that hard to get by with one less car--the person who keeps the car takes on those errands that simply can&#39;t be run without a car; the person who gives up the car takes on those errands that can be run by bus or on-foot.  Transporting kids arguably gets <strong>easier</strong> once you give up a car, because <a href="http://freerangekids.wordpress.com/about-2/">kids can start taking public transport</a> on their own at a younger age than they can start driving.  (I was riding local buses on my own when I was in 4th grade.)</p> <p>The original idea for this post came from a <a href="http://will.illinois.edu/focus580/interview/focus080812b/">radio interview</a> with <a href="http://cleinberger.com/">Christopher B. Leinberger</a> that ran two days ago on my local NPR station.  Leinberger is the author of a fascinating-sounding new book on walkable communities called <em><a href="http://www.amazon.com/gp/product/159726136X?ie=UTF8&amp;tag=wisbre08-20&amp;linkCode=as2&amp;camp=1789&amp;creative=9325&amp;creativeASIN=159726136X">The Option of Urbanism</a></em>.</p> <p>I was a bit dubious about the American Public Transportation Association numbers.  (They are, after all, an advocacy group for public transit.)  So I did my own back-of-an-envelope calculation and came up with these figures: <ul> <li>Fuel 15,000 miles in a car that gets 30 mph burning $4/gallon fuel = $2000</li> <li>Maintenance (including oil and tires) wild guess = $600</li> <li>Insurance = $900</li> <li>Registration, inspections, etc. = $100</li> <li>Depreciation ($20,000 car that lasts 7 years) = $3600</li> </ul> <p>That totals up to $7200, so I&#39;d say $8059 is in the right ballpark.  Of course, it gets way cheaper if you buy a cheaper car, drive it less, and make it last for more than 100,000 miles.  If you live in the exurbs, though, you&#39;re probably driving it more, not less.</p> <p>Two notes on the math: <ol> <li>$20,000 divided by 7 is just $2857, but you either have to borrow the $20,000 and pay interest on the loan, or else you have to pay cash for the car and lose out on the investment return the money could have earned you.  Either way, I figure you&#39;re out about $3600 a year over the lifetime of the car.</li> <li>Remember that those car-ownership costs are <strong>after-tax</strong> expenses--you&#39;d probably have to gross an extra $11,000 or $12,000 a year to have that much money available for spending.  Many home-ownership costs, though, are tax-advantaged, meaning that it&#39;s more tax efficient to buy housing than it is to buy car transportation.</li> </ol> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/philip-brewer">Philip Brewer</a> of <a href="http://www.wisebread.com/think-you-can-afford-more-house-in-the-exurbs-think-again">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-good-life-on-less-energy-even-in-the-us">The good life on less energy--even in the US</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-earn-extra-money-with-your-car">7 Ways to Earn Extra Money With Your Car</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-tell-if-a-car-service-plan-is-worth-it">How to Tell If a Car Service Plan Is Worth It</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/14-things-insurance-agents-dont-want-you-to-know">14 Things Insurance Agents Don&#039;t Want You to Know</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-you-should-always-buy-used">8 Things You Should Always Buy Used</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Cars and Transportation Real Estate and Housing apartment car condo drive house mass transit public transit Fri, 15 Aug 2008 10:37:49 +0000 Philip Brewer 2330 at http://www.wisebread.com How Big of a House Do You Really Need? http://www.wisebread.com/how-big-of-a-house-do-you-really-need <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-big-of-a-house-do-you-really-need" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/smallhouse.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="345" /></a> </div> </div> </div> <p>For my entire life, I have never lived in a place bigger than 1400 square feet. The smallest dwelling I had was a studio less than 400 square feet which I shared with my parents. Because of my experience of living in small homes I think of anything over 2000 square feet as excessive for two to three residents. Today I want to highlight some of the reasons why I prefer smaller abodes.</p> <p>A small house or apartment has several advantages over giant McMansions. First, it takes a lot less time to clean and maintain so you could have more time to do other things. Second, it uses a lot less energy to heat or cool so you could save money on utility bills and leave less of a carbon footprint. Third, it encourages you to declutter and get rid of your junk because you do not have enough space for it. Finally, the cost of a smaller home is usually less than a large McMansion so you will save money on taxes and insurance. The bottom line is that a smaller home saves you quite a bit of money over an extremely large living space and also wastes less energy.</p> <p>The challenge of living in a small house is that you really need to simplify your lifestyle. You probably do not have room for a giant sectional, but you could make do with a beanbag. A sprawling gourmet kitchen probably would not fit, but a basic set of stove and oven should suffice for everyday cooking. Having a small abode encourages people to use space efficiently, and thus live more effectively. Myscha <a href="/small-space-survival-strategies" target="_blank">wrote a great article about how to do this</a> on Wise Bread. </p> <p>So how small of a house would you be comfortable with? Personally I feel that I have way more than enough space in a condo of a little over 1000 square feet which I share with my husband. Sometimes I feel that it is too big because there is space that we barely use. I am not sure if I would be fine with living in a <a href="http://www.tumbleweedhouses.com/houses_xshouse.html" target="_blank">75 square feet house</a> manufactured by a company in California called the Tumbleweed Tiny House Company, but I think I would do fine in a place half the size of our current place.</p> <p>I am curious, do you have too much space in your house? Could you unclutter and downgrade into a smaller living space?</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/xin-lu">Xin Lu</a> of <a href="http://www.wisebread.com/how-big-of-a-house-do-you-really-need">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/welcome-to-container-city-how-shipping-containers-are-recycled-into-green-dwellings">Welcome to Container City - How Shipping Containers Are Recycled into Green Dwellings</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/oprah-asks-a-great-question-what-can-you-live-without">Oprah Asks A Great Question; What Can You Live Without?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/do-not-buy-something-just-because-you-can-afford-it">Do not buy something just because you can afford it</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-living-on-one-income-a-status-symbol">Is living on one income a status symbol?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Frugal Living Green Living Lifestyle house real estate saving energy small houses Tue, 06 May 2008 23:32:30 +0000 Xin Lu 2073 at http://www.wisebread.com