The whole point of credit is to show that you are a responsible adult who will be able to pay a lender back when applying for a loan. Applying for a loan is especially difficult if you do not have credit. It is a good idea to start building credit at a young age. The sooner, the better. It is something that is definitely not taught in school but it should be. This information would have been so much more helpful than geometry in my personal opinion. You will need a few nuggets of advice first before you start your financial journey.
Get a credit card. There is a lot of negativity associated with credit cards and I understand. They are a quick way to debt before you realize it. Despite this, they are also a good way to build credit. The trick is to start off buying small things like gas and then paying it off completely each month. It will show the lenders that you are great at paying back debts. It’s important that you use the credit card every month, not that you have it and it sits in a drawer otherwise it defeats the purpose of having it.
Once you have one credit card, then get another. One line of credit is okay but two are amazing. This can be something small like a clothing store credit card. Get your work clothes from the store and pay it off every month as well. Different lines of credit create variety in your hypothetical portfolio.
Get a small loan. This can be as simple as a student loan. Paying back a little loan will open the doors for you to qualify for large loans such as a loan for a car or house. It may even be beneficial to take out a menial loan just to pay it back almost immediately. This is a quick way to build credit fast if you’re in desperate need of good credit.
Get something in your name. Whether it is a gas bill or auto insurance, a bill with your name on it signifies you have been paying someone consistently. Rent, utilities, and phone bills are all included in helping your credit score grow.
Credit building can be intimidating. Don’t let the details bog you down. Start with these few simple tricks and you will have an amazing credit score in no time.
This winter has been brutal. One can only imagine what their house is feeling during the winter months. There are some monthly maintenance items that you can check off the list in order to lessen your poor home’s burden. A few little up keeps can help your home work and look its best despite the dreary weather.
One thing you can do to help your air circulation is remove your vents to vacuum the dust from them. Just like you remove lint from the dryer, you remove dust from the vents to promote clean air and keep your systems from working harder than they should have to.
Grouting the floors, showers, and back splashes. I’m sure it has been a cool minute since those cracks have been updated. After years, grout can slowly wear away and collect stains so a new grout job will refresh its look. If your grout is newer then it may be a good idea to give it a scrub down.
Clean out the gutters. If the seasonal sludge has blocked up your gutters, it may be a good time to clean them. Investing in gutter guards may save you some time and effort in the future.
For safety purposes, check your smoke alarms and carbon monoxide detectors for dead batteries and if they are properly working. “This Is Us” fans will know the importance of this crucial step. Nobody wants another faulty slow cooker situation.
Keep your HVAC cleaned up. Replace the filters on it as well as schedule a routine maintenance appointment for it. It could save you money in the future to do small things to keep it running smoothly now.
Check for rotting wood. The frame of your house is an important structure that needs attention just like any part of the house. Check for rotting wooden beams in the attic, porch, and indoor frame. Have them replaced as soon as you can if they are eaten by termites or moisture.
These are just a few things you can start with now before full blown Spring cleaning commences. A few things each month will keep your home on the right track to a clean, safe and efficient home.
Energy conservation in the home is often overlooked when it comes to budgeting. When done the right way it can be an effective tool to help you unexpectedly save in everyday finances. Here are a few of our recommendations to get you started in cutting those energy costs.
To start small you can invest in energy efficient appliances. This can mean replacing your old washer, dryer, or dishwasher with new energy efficient lean and green machines. Instead of replacing the dryer, you can at least remove the lint from the lint trap every time you dry a load of clothes. A full trap can use up to 30% more energy than an empty one. Two or more loads in a row can also take advantage of an already heated dryer.
If that’s a little out of your price range at the moment, another significant step is to replace your light bulbs. Most labels at the office or home supply store can tell you which are the bulbs that will last you for several years and the most energy friendly. They usually consist of LED or CFL bulbs. Don’t forget the outdoor lights as well. It may be a small step but you’ll notice a great change on your bill.
Saving on water can be as simple as changing your shower head. On average it takes a shower 20 seconds to release a gallon of water. Choose a new shower head that flows about 2.5 gallons per minute. If you reduce the temperature of your water by 10 degrees then you can save an additional 3-5% in energy costs.
A little caulk never hurt anyone. Windows and frame caulk can crack over the years leaving your house drafty. A fresh round of caulk is a great way to seal out the draft. This will prevent heat and air conditioning loss thus saving you dollars in the long run.
Replacing the air filters consistently and cleaning the heater filters is another way to lower your out of pocket expenses over time. As well as replacing the thermostat with a programmable one so that when you’re away you can set the temperature to 7 degrees lower or higher since you don’t need your home to be warm or cold if you are not in it.
We hope that some of these really drive home some ideas to more energy consciousness and financial savings. “Why would I want to save money?” Said no one ever.
It is the month of love. Love is shown in various forms and come in a variety of relationships whether it be significant other, familial, or friendships. It’s the perfect time to show your love to an often underrated relationship, your best gal pal. Don’t forget your lady friend this month of caring and sharing. Some much needed girl time can be found in these fun Galentine’s dates.
Belly dancing can be a cool way to spend your afternoon together. This is possibly one of the few times it is socially acceptable to loosen up and shake the belly your mama gave you. Aalim Bellydance Academy has an intro class on February 13th at 8pm and 14th 6:30pm for all novices and beginners. It’s only $10 or free if it’s your first time. Aalim has hip scarves for you to borrow so you can shimmy while bonding through dance.
If you’re in more of a sit and chill mood after a hard days work then this mini sign workshop may be more your style. For $35 Board and Brush will supply the tools for you and your bestie to each complete a mini sign that you’ll want to hang on your wall at home. Held on Tuesday February 13th at 7pm. Book quickly, seats fill up fast. Reserve your spot here by February 10th.
Who needs to buy when you can make your own floral arrangement for your lady love. Bumble BFF is hosting a floral arrangement class at New Leaf Florist so you can create a valentine of your very own. Take your friend to a fresh evening of flowers, wine and light snacks that will cost you both nothing at all. Class will be Thursday Feb. 8th from 6-8pm.
There is no Galentine’s without brunch. It is a cold hard fact. The YWCA is supporting ladies by providing a beautiful brunch spread that will include mimosas and a photo booth to capture the day. Its February 10th from 10am-11:30am. Tickets are $35, 2 for $65, or 3 for $95 so you can bring multiple friends along for the ride. No other fundraising than purchasing the tickets, just pure fun and relaxation with amazing women.
The month of love isn’t only about your life partner; it’s also about your partners in crime.
Every tax season is a nightmare. This little tidbit of knowledge can help ease the burden of taxes this year. This tax season save money on your home with the Homestead Exemption. It is an exemption of the assessed valuation.
A homestead is any structure, condominium or home located on owned or leased land as long as the individual lives in it. It can include up to 20 acres as long as it is owned by the homeowner and used for a purpose related to residential use. The exemption removes part of your home’s value from taxation thus lowering your taxes. Not all homes qualify; only the principal residence of the homeowner.
To qualify you must be a resident of Oklahoma and the homeowner that resides on the property by January 1st with the deed executed before January 1st and filed with the County Clerks Office before February 1st. You may file it for two years up to the delinquency date. Once you have applied for and granted the Homestead Exemption then you do not have to continue applying as long as you continue to occupy the homestead home.
You may even be able to apply for an additional exemption if you qualify for the original homestead exemption and are head of the household. There are several options including county, school, disabled, optional percentage and senior tax exemptions. This is potentially another $1000 if your total annual income did not exceed $20,000 the previous year. Apply today from our Oklahoma County Assessor site.
It’s already the New Year people and it’s time for big ideas and big changes. There is the one thing that has been on your mind for a while now but can’t seem to get started. Now is the time. Those homes you have been eyeballing secretly, following the buyer’s apps, and drooling over those historic district houses, well now is the time to act.
Make your New Year’s resolution to treat yourself to a well deserved new home.
You’ve survived through 2017 so you’ve earned it.
Why is the New Year a good time to buy? Tax Deductions. Start this year off right with huge tax deductions that are ready to be taken advantage of. Next year you will thank yourself while filing in February. I know it seems like a long way off now but so did the end of 2017, am I right?
In addition to the usual perks of buying, the holidays and New Year make everyone a little more jolly. The freshness of the New Year may make people nicer as you start your journey into purchasing. Your real estate agent will be more attentive due to slow traffic; the seller may be easier to negotiate with in the spirit of the season. YOU will be less stressed and more easy-going in light of the exciting prospects of ownership.
Not many people shop for houses this season so many sit on the market for a long time. This will save you money by getting a great deal in a slow market. Sellers will be thrilled to negotiate and sell to you after waiting a spell on a bid.
It’s better than renting. On rentals you are essentially burning your money each month. Buying is an investment that will eventually make you money if you ever decide to sell your home.
Make your New Year work for you, make your new year’s resolution to own.
Winter gets a bad rap. It’s known for the cold, bad driving weather and terrible hair days from the elements. Despite the negative connotations, it does have some upsides and one of those include a great time to purchase a home. If you are toying with the idea of purchasing then consider these points.
First of all, someone moving in winter probably needs to leave his or her property quickly for job relocation. These owners are more willing to negotiate which benefits the buyer because the buyer can get a better deal. To say what everyone is thinking, they are desperate. Which is good news for you. On the flip side, do not list your house in the winter if you are trying to get the most out of the sell. Bargain hunters are on the prowl for a good fixer upper.
House prices are annually at an all time low in the winter season. The buyer will get more purchasing power and get more bang for your buck by purchasing at the end of the year. This is due to lower level of listings and preoccupation with more pressing motives such as holidays and family.
Touring homes in winter can be rewarding. Right away you can tell if the windows are drafty, if the central heating and AC are working, or if your feet are already freezing on the hardwood floors. This can save you costs in the future and make huge impacts on your future daily life.
Elfie is the newest member to many families these days. He makes all kinds of raucous in the home with crazy antics and surprising pranks. Elfie can be a great gauge for your kids (or husband) to measure how close they will be to the naughty or nice list this year. While Elfie is busy getting into trouble, the little critters are having so much fun keeping up with him or her that they are staying out of it. Let’s see what Elfie is up to lately…
Elfie is tired of walking. Being mischievous is a lot of work. Elfie has borrowed a beautiful Barbie saddle that’s placed on top of Charlie, the family dog. Elfie lures Charlie with treats on the end of a pole in order to lead him around. Elfie doesn’t have to walk so far and Charlie enjoys his snacks so it’s a mutual agreement.
Elfie says goodbye to Charlie because he has to hide 12 candy canes he stole from the Christmas tree before the humans wake up. He can’t wait to see their faces when they read the note he wrote telling them of his maniacal plan. They will never find them all! He is too good of a hider; he won first place in hide and seek at the North Pole Elves Convention.
Elfie is sad. It hasn’t snowed at all here this Christmas. He misses the snow and all the things you could play in it. He has an idea. He pulls down flour, marshmallows, sprinkles and all kinds of finds from the baking shelf and spreads them all over the counters. Elfie brings a little white Christmas to the family with flour snow angels and marshmallow snowmen. It’s starting to feel more like home here every minute.
The humans need a bit of help decorating. They only have ONE tree up. At the workshop Santa has a tree every 20 square feet and garland covering every wall. Elfie finds their wrapping paper. This will do. He starts with wrapping the cabinet doors. It looks pretty festive but it still isn’t enough. He then wraps the table. Much better. Might as well finish it off by wrapping the couch. Perfect. The humans will be so pleased with the redecorations.
It’s almost time for the family to wake. Better hurry. It’s time for Elfie to take a bath so he’s presentable to them. He has bits of paper stuck to his back and streaks of flour in his hair. He rushes to the sink and fills it with cotton ball bubbles. Ah yes. This is the life. He grabs an American Girl robe and a washcloth to wrap his hair. Now to relax after a full morning at work.
The holidays are here and now you have to drag down all your decorations from the attic. Wouldn’t it be nice if you could have less décor with just as much holiday flare? It is possible. Before you go out and buy a whole new collection of ornaments for each holiday motif, take a look at these clever creations that may save you space and money.
Reversible holiday blocks are a precious way to say “Merry Christmas” or “Happy Thanksgiving.” One side has winter season and one side has fall. You just flip them around when one is over. You can get them custom made on Etsy.
Show a little spirit in your entryway or on your front door with a cute sign with stacked pumpkins on one side. When snow comes to town flip over for a pleasantly plump snowman.
Celebrate the upcoming events with a chalkboard countdown with Halloween or Thanksgiving on one side. On the other displays you favorite Christmas or Hanukkah countdown. It’s a fun way to keep your kids excited and engaged with holiday plans. They can even change the number themselves.
A cool way to yule is to have wooden pumpkin cutouts painted then reversed to show festive tree ornaments. These wood discs a person could easily paint themselves with little time and effort to make a big statement piece.
Spruce up each season with these HOME letters that require a different shaped holiday symbol as the ‘O’ for every national celebration. There is a heart for Valentines, a maple leaf for autumn, a Frankenstein monster for Halloween, a bunny for Easter, and several others to choose from. You can keep this decoration up all year round. Everyone will compliment your highly functional piece and how quaint it is.
You won’t have to completely change your entire house around each passing season and fool everyone with your clever tricks.
Are you feeling it yet? That’s the rush of the holidays flying by. We are already past Halloween and now shortly coming upon Thanksgiving. This Thanksgiving you will be prepared. You will not let your Mom and Grandma down by forgetting to bring something to the table. You’re a grown adult now and you can contribute to the feast. How can you possibly do that with such a hectic schedule, you ask? That’s where we come in.
Pie Junkie is a delicious little place where you want something sweet and homemade. The best part about it is that you can order by the slice or a whole pie. They offer frozen and fully cooked pies for your convenience. They have multiple options that makes it difficult to choose just one. There is Apple Crumble, Pumpkin, Pumpkin Crumble, Drunken Turtle, Orange Bourbon Pecan, Coconut Cream, Macadamia Key Lime, Sweet Potato Crumble, and Bird Dog Buttermilk. Stop by here to pick up your preordered holiday pie before heading to Grandma’s and get a little slice for you for the road. The family will never know you didn’t make it yourself, unless you’re an honest person and give all the credit to Pie Junkie because you can’t tell a lie. In that case, good for you. *pat on back*
If you’re tired of the same ol’ traditional desserts, this year you can pick up a dozen of Green Goodies’ seasonal cupcakes. These cupcakes are made with top quality ingredients and various cupcakes available in gluten free and vegan options for the cousin with sensitivities. Seasonal cuppies are Caramel Apple Pie, Chocolate Peppermint, Peppermint Bark, and Pumpkin Spice. Mmmm.
Belle Kitchen is known for yummy donuts and macarons. In addition to that they have a few holiday pastries that may tempt even the saltiest of tongues at your gathering. The Rustic Plum Spice Bar looks festive and delightful. Belle herself requires it be paired with hot cocoa.
Sweet tooth still not satisfied? Grab a pastry from Ingrid’s. If Pie Junkie didn’t have the rare pie you were looking for, then Ingrid’s does. Rhubarb and Strawberry Rhubarb are options for the adventurous. Several fruit pies like Dutch Apple, Apricot, Triple Berry, and Peach for the traditional folk. You can also enjoy some dense cake-like treats of pumpkin bars and cherry pudding bars for a change of pace.
Either way you can’t go wrong with any of these great desserts. Make your family proud.