Claire LeBlanc - REALTY EXECUTIVES



Posted by Claire LeBlanc on 11/18/2015

If you are planning a move you are probably busy thinking about the new costs of living, how much the rental truck will cost, packing and how you will get there. What you may not be considering is the hidden costs of moving. Here just a few of the surprise costs of moving and some ideas on how to avoid them: Late Fees When you are moving things get lost in the mail or are slow to be forwarded to your new address. If you miss paying your bills on it can add up in unnecessary late fees. Switch all of your bills to online billing that way you are sure not to miss a payment that is lost in the mail. Overdraft Fees Don't close that bank account just yet. You may have checks or bills still being drawn on that bank account. Leave your bank account open for approximately three months to allow all checks to clear. Doing this will help you avoid any overdraft fees. Contract penalties All of those contracts you have signed may come back to haunt you. Memberships at the gym, country club, day care facility, community association, etc. can cost you. Typically there is some type of annual or monthly contract associated with membership and cancelling early will usually cost you.  Some of these contracts will have an exception for a move so read the terms and conditions before you pay a hefty cancellation fee. Auto insurance Part of the cost of your auto insurance is determined by your address. For example, moving from an area with less population, to a more highly populated area will cost you more in auto insurance. Different states also have different laws regarding insurance coverage. States have different minimum liability requirements so in some states you will need to purchase personal injury protection and uninsured motorist coverage and in others you will not. Health insurance Health insurance can also change when you switch states. Just like auto insurance, health insurance mandates vary among states, too.  Some states require some types of medical procedures are covered while another has not mandated coverage.  Be sure to comparison-shop for your health insurance. While adding up the normal costs of moving expenses like boxes and storage also be sure to check for these hidden costs and try to avoid losing money in your next move.  





Posted by Claire LeBlanc on 10/28/2015

If your credit score could use a boost it isn't as simple as just changing bad financial behaviors. Increasing your credit score is a process that takes time. The time it takes to improve your credit history can vary. Late payments can remain on your credit report for seven years, but typically if you clear all past-due debts and pay on time from then on, your score can begin to recover quickly. One late payment doesn't hurt you that much but a pattern of bad payments will really hurt you.  If you have a few late payments continue to use credit and pay on time every time. Demonstrate that you are managing your fiances well and your scores will begin to climb. If you have suffered a bankruptcy the effects can be long-lasting. According to myFico.com, a Chapter 13 bankruptcy can linger for seven to more than 10 years on your report. A Chapter 7 bankruptcy, or total liquidation, can affect your record for 10 years. It is vital to constantly monitor your credit report and review it for accuracy. You can obtain your report for free once every twelve months from annualcreditreport.com.





Posted by Claire LeBlanc on 10/14/2015

Do you have clogged drains? All of us will experience a backed up drain at some point in our life. Store bought drain cleaners have harsh chemicals and can be expensive. Homemade drain cleaners can be an effective alternative to the store bought ones, and you probably have everything you need in your home already. Here is how to clear your drain the natural way in just a few minutes: 1. Pour ˝ cup baking soda into the drain. 2. Pour ˝ cup of vinegar into the drain. 3. The ingredients will start bubbling and fizzing. 4. When the bubbling and fizzing has stopped pour boiling water into the drain. 5. Flush the drain with hot water. You may have to do this a few times, but soon your drain should be as good as new.





Posted by Claire LeBlanc on 9/30/2015

If you are thinking of adding an addition to your home there are some things you will wants to be aware of. If you decide to add a new space, ask yourself the following questions: * Can I finance the home improvement with my own cash or will I need a loan? * How much equity is in the property? A fair amount will make it that much easier to get a loan for home improvements. * Is it feasible to expand the current space for an addition? * What is permissible under local zoning and building laws? Despite your deep yearning for a new sunroom or garage, you will need to know if your town or city will allow such improvements. * Should I make the improvement myself or hire a contractor? Many homeowners consider going to job alone to save money. Consider how much time you have, your level of expertise or willingness to handle the job, amount of help from friends or relatives, and how much you want, or need, to save by doing the job yourself. You could save up to 20 percent of the project cost through your own hard work. Be aware, however, that you may need to call in the pros. Going it alone can sometimes lead to spending more time and money. if problems arise. Most home improvement experts suggest that homeowners who do not have a lot of experience should stick to painting, minor landscaping, building interior shelving, and other minor improvements.





Posted by Claire LeBlanc on 8/12/2015

Money experts recommend having an emergency fund, however, that is easier said than done. You will want to have at least three to six months of living expenses in your emergency fund. Here are some tips on how to get there: Determine how much you need                                                                                               Calculate how much you spend each month. Add up your rent/mortgage, car payments, insurance, food and utilities. This will give you an idea of how much you will need to save. Start small If you find it hard to save, start by saving small amounts. Even if you only saved $20 per week for one year, you would increase your savings account by $1040.00 Have achievable goals                                                                                                                     Start with a small goal and gradually work towards a larger one. Set your initial goal of one month's savings and build upon that. If you start small and make savings a habit it will be easier to save. Make it automatic                                                                                                                           Set up automatic contributions to your savings account. Move a specified amount of money to your savings account through direct deposit. If you do this you may not even miss the money. Watch where your money goes                                                                                                 Keep track of how much money you spend. Calculate your spending average and try to spend less. Another great way to save is to find areas where you can cut back. What are some of your best tips for saving money?  







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