Harold (Buddy) Pope's Blog
2 Beaver Pond Drive, Brookline, NH 03033
A relocation budget is a must-have for those who recently bought or sold a house. If you have a relocation budget at your disposal, you should have no trouble getting ready for moving day.
Ultimately, there are several factors that you need to consider to craft an effective relocation budget. These factors include:
1. Packing Supplies
Moving boxes, packing tape and other packing supplies may prove to be expensive. If you budget for these costs today, you can ensure you have the funds available to cover these expenses before moving day arrives.
Keep in mind that you may be able to pick up unwanted cardboard boxes from grocery stores, too. By doing so, you can get boxes you can use for moving day and reduce your relocation expenses.
2. Personal Belongings
Think about the personal belongings you will need to bring to your new address. That way, you can make the necessary accommodations to guarantee these items can safely make it from Point A to Point B.
If you need to hire a moving company to help you transport your personal belongings to your new home, you should shop around. This will allow you to find a moving company that offers the perfect combination of affordability and convenience.
Furthermore, if you have various belongings you no longer need, you may want to get rid of these items before you move. You can always donate unwanted items to a local charity or give them to family members or friends. Or, you can sell unwanted items online or host a yard sale.
3. Your Relocation Timeline
You may have only a limited amount of time to relocate from one address to another. If you put together a relocation timeline, you can examine the steps you will need to take to complete a successful move. Then, you can incorporate these steps into your moving plan and budget accordingly.
Of course, for those who need to relocate quickly but lack substantial moving day funds, you may want to reach out to family members and friends for assistance. Remember, your loved ones are available to help you in any way they can. If you contact family members and friends for assistance prior to moving day, you may receive lots of help with your move.
If you want an extra hand with moving day preparations and budgeting, you may want to consult with a real estate agent as well. In addition to helping you buy or sell a house, a real estate agent is happy to provide tips to ensure you can seamlessly relocate to a new address.
Oftentimes, a real estate agent can put you in touch with the top moving companies in your area. On the other hand, if you have concerns or questions leading up to a house closing, a real estate agent is ready to address them.
Want to take the guesswork out of an upcoming move? Consider the aforementioned factors, and you can budget for moving day and boost the likelihood of enjoying a successful relocation.
Moving day can be stressful, particularly for those who need to transport many large, heavy items to a new house. Fortunately, we're here to help you simplify the moving process and enjoy an injury-free moving day.
Now, let's take a look at three safety tips to help you avoid moving day injuries.
1. Plan Ahead for Moving Day
You know that you need to vacate your current residence, and if you plan ahead as much as possible, you can minimize moving day risks.
Ultimately, it can be tough to try to move all of your belongings on your own. But if you ask family members and friends for support, you can get plenty of assistance as you get ready to transport your belongings to your new house.
You also should pick up the right moving day supplies. Items like furniture sliders, lifting straps and hand trucks often help speed up the moving process. Plus, these items are easy to find and ensure individuals can avoid putting too much pressure on the body when they move big items.
2. Use the Proper Lifting Techniques
When it comes to moving day, it pays to learn the proper lifting techniques.
For example, to lift moving boxes, you should always lift with the legs – not the back. Bend the knees and keep the back straight, and you should have no trouble safely lifting moving boxes and other items.
In addition, use common sense on moving day – you'll be glad you did. Although you may be tempted to try to move large items as quickly as possible, it is important to know your physical limitations. And if you don't feel comfortable moving a couch, big-screen TV or other heavy objects, you can always reach out to a friend or family member for extra help.
3. Clear All Walkways
It is important to keep all walkways clear on moving day. That way, you can avoid the risk of tripping and falling while you're moving items in and out of your house.
Furthermore, it is always better to err on the side of caution on moving day. If kids or pets are present, you should try to keep them in a safe area until all items are removed from your house.
Moving items can be tricky, particularly for those who need to vacate their current residences soon. If you need additional assistance on moving day, you should contact a moving company.
A moving company hires courteous, professionally trained staff who can help you take the guesswork out of relocating from one address to another. In fact, this business will pick up and relocate heavy items to your new address to eliminate the risk of moving day injuries.
Lastly, if you need help finding a moving company, you should collaborate with a real estate agent. This housing market professional can help you buy or sell a house, along with put you in touch with the best moving companies in your area.
Use the aforementioned tips, and you can limit the risk of injuries on moving day.
When you get pre-approved for a mortgage, you may be excited to find out that you can afford a lot more house than you thought you could. Don’t be so fast, this is just what you can get a loan for. The bank doesn’t know a lot of factors about your finances. While you most likely had to provide a ton of income verification statements and information in order to get this ballpark figure, relying solely on the pre-approval number can put you in a bind when it comes to your finances. Your lender doesn’t know certain things like how much you spend on groceries or how much your cell phone bill is each month.
What Lenders Consider
Lenders look at the health of your credit history, how much income you have and how much debt you have. These are the big factors that tell your lender about how much house you can afford. Yet, your home lender is not your financial advisor and can’t help you with household expenses and the like. When thinking about what price range of home you really can afford, consider these factors beyond the bank:
Your Monthly Budget
Your spending habits will ultimately affect your ability to pay the monthly mortgage bill. If you’re spending all of your disposable income, then you may not be able to afford much at all beyond what you’re already paying for rent. You don’t want to stretch your finances so thin that you won’t be able to afford food!
Owning A Home Requires Additional Costs
Lenders do factor into their number the cost of homeowner’s insurance and property taxes, but don’t consider other things like utility bills, trash pickup and home repairs. All this can certainly add up when you’re a homeowner!
Your Savings Is Nonexistent
If you’re unable to save any money at all if you’re a homeowner, then you’ll be in trouble. You need money stashed away in case of unemployment or an emergency. You also may be planning for things like retirement and future costs like children’s education. For the initial purchase of a home, you’ll need upfront payments available for the down payment and closing costs. However, you’ll need some more savings beyond that for everything that life brings your way!
You Have Big Plans
Are you thinking of quitting your job and heading out to start your own business? Now may not be the best time to buy a new house. These changes could have a huge impact on your finances and leave you unable to pay your mortgage. Your lender won’t be asking about these plans, so you’ll need to know what the future holds (for the most part ) in order to keep your own finances secure.
The bottom line is that anything that could leave you financially stressed is not a good idea. Considering that buying a home is one of the biggest purchases you'll ever make, you want to be sure that you keep your finances in check during the purchase process.
Most of the time, we build homes to our taste rather than to their environment. And while it’s important to have a home that you love to look at, it’s also necessary to take your local climate and surroundings into account.
One of the best up-and-coming home architecture styles features something called “passive solar” design.
In today’s post, I’m going to introduce you to passive solar and talk about why so many homeowners are choosing passive solar homes in today’s age of rising energy costs.
What is a passive solar home?
Passive solar homes utilize four main things to ensure the lowest possible energy usage:
The building site
The area’s climate and weather
Strict building standards involving top quality materials and airtight construction
Let’s talk a bit about how these three features help make passive solar homes the most energy efficient homes currently available.
Choosing a site for a passive home can be a complicated and scientific endeavor. In colder climates, this means allowing the home to utilize as much sunlight as possible. The building site, therefore, has to take into account the sun’s path throughout the year to provide the home with the best angles for maximum sunlight.
Since sunlight travels lower on the horizon in the winter months and higher in summer months, roofs and overhangs are designed to let in maximum light in the winter time and block out light that would overheat your home in the summertime.
Airflow throughout your home is vital to maintaining comfortable temperatures year-round. Passive homes rely on a heat exchanger system that uses heat from warm areas of your home to heat air that is vented in from the outside.
This means that the air in your home is constantly being circulated and heated without relying on too many outside sources.
Building materials are another key part to passive solar homes. To make an airtight home, special types of sealing and insulation is used.
Furthermore, insulated areas of your home are designed to absorb sunlight throughout the day and slowly release heat after the sun goes down, providing a natural source of heat for the entire 24 hour cycle.
Can I convert my current house into a passive solar home?
While making a home adhere to passive house standards typically requires planning at the construction phase, there are some ways to utilize passive solar techniques in your current home.
Making your home airtight, using thermal mass to slowly heat your home overnight, and taking advantage of heat from the sun are all things that can be retrofitted to a home.
Making these improvements can take time, especially if you plan to change window locations or build an overhanging roof. However, you might find that the upgrades will save you money on energy costs and add to the resale value of your home.