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.
Interested in building your credit to buy or invest in a home?
Tom Davies with Fairway Independent Mortgage Corporation
can guide you to methods or resources that will work best for growing YOUR credit score.
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.
Upcoming Event: 2/17/18 – Free Homeowner’s Q+A Sessions – FB Event Link
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.
Our homes are a place where we go to relax, unwind, and get away from the world for a bit. We want it to be as welcoming and warm as possible to ourselves and family. Feng Shui is an ancient Chinese practice to balance the energies in your house. Rearranging your home is a perfect way to have a refreshed space and attitude. Maybe your annoying Aunt Linda will have a better attitude during visits after she sees this transformation.
Kitchen: The kitchen is a place for gatherings. It is the most important room in the house according to Feng Shui. Use a warm accent color to promote socialization during meals and parties. If possible hone as much natural light in the kitchen. If no natural lighting is available then layer various light fixtures to encourage positive energy. Free your kitchen counters of cumbersome gadgets or dirty dishes for a simplistic open flow.
Living Room: The living room is a communal room for family and friends. Again, you should optimize the natural light and any large windows. Hang sheer airy curtains instead of heavy ones to accomplish this. Live plants, mirrors, and fresh cut flowers encourage liveliness in the room. Neutral colors should be present to allow coziness with pieces of red for color to bring wealth and add interesting pops of color.
Bedroom: Choose calming colors for the walls like blue, green, and chocolate brown. Keep electronic stimulation out of the bedroom. Leave televisions, computers, and gaming systems in the family room. This promotes relaxation without distractions. Remove any storage you may have cluttered under your bed in order to provide positive energy flow and deeper sleep.
Bathroom: A bathroom should be clean and clutter free at all times to create positive energy. This is especially true for mirrors to prevent distortion. Soothing artwork is advised for a spa like feel. Display quality soaps, thick towels, and candles to increase luxury and beauty. A bathroom is meant for cleansing as well as indulgence.
These are just a few starting pointers to start the process of how to Feng Shui your day with positive energies.
One of the most important items to check off the list when selling a home is to stage the home. Not many people realize this or would even know how or where to start. You want the buyer to see the home as you once saw it. Somewhere they can hang their hat and relax on the couch with Netflix after work. A place in which they can host dinner parties and drink wine with old friends. Professional stagers can get expensive and add extra costs to an already large project. These are some DIY tips for doing it without dipping into the funds too much.
The goal is to give the buyer an idea of what the home would look like if it were theirs and not yours. Pack away all personal items and store them. The upside to this is that it gives you a chance to begin packing and stage the house. Two birds, one stone. Family photos and pet products can make it distracting to the potential buyer so they won’t be able to imagine living there. Clear any clutter from the counters as well as children’s toys. Decluttering the home increases the buyer’s interest because they aren’t focused on your interests. Orderly stack your boxes in a corner of the garage to minimalize clutter and unsightliness. This is an extremely cheap way to stage your home without extra effort or costs.
If the home hasn’t had a good clean paint job in years then its time to break out the can and brush. This will give a new feel to your walls and also create a new home smell. Go with a neutral color like white, off white, or beige. It sounds outdated but it is actually sound advice. Not everybody will enjoy your guacamole colored bathroom as much as you did.
Clean the house. I know, I know. You lead a busy life so it is hard to keep it pristine. The fact is buyers don’t want to smell little Billy’s stinky baseball cleats or your precious Taffy cat’s litter box. Get rid of any potentially off putting odors. Temporarily hide or put outside the litter box and spray some Febreeze. Even better bake cookies or place some cloves and cinnamon sticks in a crock-pot with water. Either have the house professionally cleaned or take a day off to really get down and dirty. That includes carpets, baseboards, and ceiling fans. Then when you think you’re done, do it again.
Now that you are a semi-professional home stager, you can charge your friends to stage theirs while selling your own. Best of buyers to you.
The temperature is dropping and so is the need to stay indoors from the heat. Now is the time to get up and be as productive as the attention span allows. In preparation for the cooler times ahead there are a few items on the to-do list for the apartment or home that can be easily crossed off in a matter of minutes.
Air out your mattress. Our mattresses collect bacteria and skin cells over the years. Every so often it is good to give it a sunbath for its protection and ours. Setting it out in the sun for a few hours will kill potential bacteria and mold. This can make your mattress firmer and less liable to sink in the center. It will also give it some fresh air so that it will smell like new…maybe. Now that it’s not blazing warm out, it will be easier to maneuver your bulky bed to the outdoors and inside with ease.
Waterproof your shoes. Just because shoes are canvas doesn’t mean they have to hide in the back of the closet for colder seasons. Make your canvas shoes waterproof by using Neverwet for fabric. This is an easy and cost efficient way to use your favorite shoes all year round. Don’t want to drive to Target (Let’s face it, the only place to shop)? Then you can take an unscented candle from home to rub over the canvas of the shoes, heat with a hair dryer and you can then wear your tennis another season.
Optimize the nice weather. Open windows and doors and throw open the sashes. Now that the heat is beat you can now enjoy the afternoon breeze before it turns again. This will keep energy costs down if you turn off your AC or heat as well as refresh your space.
Make a cool tunes playlist. Nothing prepares the soul for a season change like a heart felt playlist that will set the right tone. Use it for the commute to work, while cleaning house and for a background for relaxing book reading. You know in the movies when a person is driving through the color changing trees with the car windows down and the perfect melodic yet inspiring song comes on? Be that person.
Outdoor home maintenance. There is not a more perfect time than to do all the outer housework that you have been meaning to get to. No more excuses. It is no longer “too hot” or “too rainy” or “It’s such a nice day out how could I possibly waste it on house chores.” Now everyday is a nice day at least for a few months. So get out there and clean gutters, freshen paint, put perennials in those terra cotta pots. You’ll be proud of yourself after.
These aren’t all the items you need to accomplish this season but it will give a running start. Make your minutes count in the lovely weather because you don’t know how long it will last in Oklahoma.
Going back to school is always a trip on the struggle bus. This year it’s time to reclaim your “Parent of the Year” status with some organizational techniques that may keep those wheels going round and round more smoothly. Even in the midst of morning madness these helpful hacks will be sure to keep your family on the right track back to school.
We all know that feeling wrestling a child into clothing or having them dress themselves. Whether it’s your child, little brother, babysitting Sally Screamer down the street, it is a long drawn out fiasco. Then you have to tempt them with corn dogs and pudding snacks to comply. The least we can do is make sure an outfit is completely put together before the battle goes down. Get a small five shelved stand or bookcase and simply place and entire outfit from hair ties to a set of shoes on each shelf in accordance with each school day. This will save you so much time searching for tiny socks that match when you could be making your mid-morning margarita. Then you don’t have to worry about if the laundry is done because you know at least the kid has clean clothes for the entire week.
Lunches can be a pain to make in the morning. Especially with attempting to make breakfast and make sure everyone is getting ready in time. In order to save a little time, create a lunch organizer in your pantry or fridge. This can be separate sections of fruit cups, cheese sticks, pudding snacks, chips, prepped popcorn or snack bags, and bite-sized veggies that you can grab and throw into a lunch box to complete a well-balanced meal. Less mess, less stress.
Print or write your own backpack checklist. Kids will have fun checking off their new school supplies. In the evenings, have each child go through a backpack checklist to make sure they have all their necessities for success. Select a specific place for all backpacks to set so they are all together and ready to grab and go as they leave for the day. This may be a given but little habits can save big time.
Set aside a file for specific paperwork that the kids bring home from school. They can place the report cards or field trip releases in the file so that you can go through them all at once and always have it together. It also ensures that the kids don’t forget their papers and that you don’t forget to sign them. It’s a win-win for both busy parties. Now you can rule over the dreaded back to school.