Sandy Lucchesi's Blog
14 Rocky Woods Rd, Hopkinton, MA 01748
While home ownership can be a very satisfying and rewarding experience, it does bring with it a new set of responsibilities and demands. Whether you're buying a brand new home or a fixer-upper, several things will have a major impact on your lifestyle.
One of them is the need is to personally handle or manage your own repairs, decorating, and home improvements. In many cases, you can (and should) hire a professional to do the actual work, but there are a lot of projects you can do more cost-effectively on your own.
The first one that comes to mind is interior painting. If you want to keep your home looking fresh, well maintained, and visually appealing, repainting your walls and ceilings every few years is a necessity. How often you need to break out the paint brushes, rollers, and drop cloths depends on several factors. For example, some rooms are subjected to more wear and tear than others. Bedroom walls, hallways, and bathrooms often seem to need the most attention, but kitchens, family rooms, and other areas of the home are usually not far behind.
If you've been noticing that one or more of your rooms are starting to look scuffed, faded, or dull, then it may be time to roll up your sleeves and give those walls a fresh coat of paint! It always makes a dramatic difference in the look and feel of that room, and it typically can be completed in less than a day -- especially if you team up with an energetic spouse, friend, or family member. If you're focused and organized, a room-painting project can often be completed by lunchtime. (Depending on who's providing the help, however, you might be expected to provide lunch!)
When procrastination is a problem, taking small steps will often help you gather momentum and keep moving forward on your painting project. An easy, but necessary first step is to pick out and bring home an assortment of color samples from your local hardware or paint store. Holding them up to your walls and seeing whether they complement existing furniture, flooring, and decorating schemes will help you choose a color you'll be satisfied with.
If you're not ready to tackle the project right away, you can still purchase the paint, rollers, and other supplies. Assuming you're not going to postpone the project indefinitely, you'll be a lot more likely to get started in the near future if the supplies are already in the house. You'll be streamlining the process and nudging yourself to get the job done soon by purchasing the painting supplies and having them close at hand.
While motivating yourself to do projects around the house may sometimes seem to be the biggest hurdle to clear, starting small and gaining momentum as you go is often an effective way to keep your home looking its best at all times!
Life is complicated; however, your moving day experience does not have to be this way. In fact, there are many ways to avoid a complicated moving day experience, and these include:
1. Plan Ahead As Much As Possible
When it comes to moving day, it pays to be prepared. Thus, if you plan ahead as much as possible, you can identify any potential moving day pitfalls and address them before they escalate.
Pack as many items as you can before moving day – you'll be glad you did. If you pack in the weeks and days leading up to your move, you can avoid the stress of last-minute packing.
Also, box and label all of your personal belongings. This will make it simple to safely pack all of your personal belongings into a moving truck and find these items as soon as you reach your final destination.
2. Get Plenty of Rest Before Moving Day Arrives
Moving day likely will be a long, arduous experience, regardless of how much you plan for it. Conversely, if you get a good night's rest before moving day, you can kick off your move feeling rejuvenated and refreshed.
In addition, you should start your moving day with a healthy breakfast. This will give you something to look forward to on moving day, and the breakfast itself will provide you with plenty of energy to help you seize the day.
Don't forget to plan regular breaks as you complete your move. If you do not take a break every once and a while, you risk wearing down quickly on moving day.
3. Hire a Moving Company
There is no need to leave anything to chance, especially if you're planning a big move. Luckily, moving companies are available in cities and towns nationwide, and these businesses employ highly trained moving professionals to assist you in any way possible.
If you intend to hire a moving company, don't wait. Remember, the longer that you wait to employ a moving company, the less likely it becomes that this business will be available when the big day arrives.
Furthermore, you should check out a variety of moving companies in your area. This will enable you to examine various moving companies' strengths and weaknesses and determine which business can fulfill your moving needs.
If you need extra help determining whether a moving company is right for you, it never hurts to reach out to the business directly. In most instances, a moving company can provide client referrals that can help you make an informed decision.
Lastly, for those who are uncertain about how to prepare for a move, it may be helpful to collaborate with a real estate agent. This housing market professional can help you buy or sell a house, along with provide insights into what it takes to complete a successful relocation.
Want to enjoy an uncomplicated moving day experience? Use the aforementioned tips, and you can reap the benefits of a seamless transition from one address to another.
2 Klondike Rd, Grafton, MA 01560
Saving for a down payment on a house can seem like an insurmountable challenge to first-time homebuyers. You don’t have the benefit of equity built from owning previous homes, and most, if not all, of your income could be tied up in other places like paying rent and bills.
If this sounds like you, don’t worry--you’re not alone. The good news is that there are some other things you might try before giving up on saving for a down payment.
In today’s post, we’re going to discuss a few techniques for saving for a down payment that you might not yet have thought of, and talk about how to can start saving sooner rather than later.
1. Know your options
Many first-time buyers aren’t aware of all of the different mortgage types that may be available to them. VA loans, USDA loans, and more are all available to buyers who don’t have a large down payment saved up.
There’s also the common myth that your down payment needs to be at least 20% percent of the cost of the home. However, this number is more like an ideal figure that will allow you to avoid paying private mortgage insurance (PMI).
Before determining how much you need to save, make sure you understand all of your options.
2. Learn the art of budgeting
Most of us use the term “budget” as a vague word that means the amount of money we can spend.
The true point of a budget, however, is to gain a detailed understanding of where your money goes and to develop a plan.
One good method of budgeting is to do what budget experts call, “giving every dollar a job.” This means that you know where each dollar o your paycheck will go.
There are many tools available for you to use when budgeting. You can use a free app like a spreadsheet from Google Sheets, or a service that connects you your bank account like Mint. Mint will also let you set goals (such as saving for a down payment) so you can track your progress.
3. Asking for a raise
Depending on how long you’ve been at your job and your work performance, it might be time to ask your employer for a raise up front. Many employers are more than happy to reward hard work and dedication, but just don’t hand out money if they aren’t asked.
4. Start that side hustle
There are a lot of ways to earn extra money in a service economy. From waiting tables at night to delivering packages for Amazon, and giving lifts in your car for Uber, there are numerous ways to earn some extra cash in the evenings.
Just remember that you want this project to be something that’s enjoyable or interesting, otherwise it’s easy to burn out from overwork.
5. See if you have employee assistance options
Some employers offer housing assistance programs to their employees as a work benefit. If you haven’t flipped through your HR packet in a while, now might be a good time to make sure you’re taking advantage of your options.