>Its Spring!!

>

SPRING!
Yeah! I am so glad and  looking forward to warmer days, hopefully soon. April is also a great time to get some maintenance done around your home. Here are a few ideas.
Indoors:
Ø  Replace your furnace filters. There pretty dirty after winter.
Ø  Check all smoke and carbon monoxide detectors and replace batteries if needed.
Ø  Have your fireplace and chimney cleaned and serviced
Ø  Clean the windows and screens and repair any holes in screens or replace if needed.
Ø  Check for condensation or water around the windows and underneath faucets
Ø  Check the attic for evidence of leaks or condensation.
Ø  Clean stove top fan and hood. It gets used a lot in the winter months and probably has accumulated grease and other icky gunk.
Outdoors:
Ø  Spend a day checking your roof for winter damage. Also, check fences, carports and sheds.  We had some pretty hefty wind storms this year.
Ø  Clean out gutters
Ø  Aerate, thatch and fertilize your yard
Ø  Be sure the air vents inside and out are not blocked by fallen debris.
Ø  Check for water under your house. With all the recent heavy rain you’ll want to see if there is any water that has accumulated.
Ø  Check your foundation walls for cracks, leaks or signs of moisture and repair as needed.
Ø  Finally get the barbeque cleaned up, checked for any problems, fill up the tank and cook up a good steak! You deserve it after all the work you’ve done.
Peace of mind will help you to enjoy the spring and hopefully get you ready for a wonderful summer. 

Its Spring!!

SPRING!
Yeah! I am so glad and  looking forward to warmer days, hopefully soon. April is also a great time to get some maintenance done around your home. Here are a few ideas.
Indoors:
Ø  Replace your furnace filters. There pretty dirty after winter.
Ø  Check all smoke and carbon monoxide detectors and replace batteries if needed.
Ø  Have your fireplace and chimney cleaned and serviced
Ø  Clean the windows and screens and repair any holes in screens or replace if needed.
Ø  Check for condensation or water around the windows and underneath faucets
Ø  Check the attic for evidence of leaks or condensation.
Ø  Clean stove top fan and hood. It gets used a lot in the winter months and probably has accumulated grease and other icky gunk.
Outdoors:
Ø  Spend a day checking your roof for winter damage. Also, check fences, carports and sheds.  We had some pretty hefty wind storms this year.
Ø  Clean out gutters
Ø  Aerate, thatch and fertilize your yard
Ø  Be sure the air vents inside and out are not blocked by fallen debris.
Ø  Check for water under your house. With all the recent heavy rain you’ll want to see if there is any water that has accumulated.
Ø  Check your foundation walls for cracks, leaks or signs of moisture and repair as needed.
Ø  Finally get the barbeque cleaned up, checked for any problems, fill up the tank and cook up a good steak! You deserve it after all the work you’ve done.
Peace of mind will help you to enjoy the spring and hopefully get you ready for a wonderful summer. 

>Need to get rid of some of that debt?

>Here’s some great tips

First be honest with yourself, the real reason why you’re where you are then make a plan to get out of it. I know this sounds easy but it can be complicated but you have to start somewhere.
Prioritize your expenses. Its always housing first, transportation second, utilities, third, your food and your necessary medical expenses.

Pay of the balance on the credit card with the highest interest rate first. Unless the balance on any card exceeds 50% of your credit limit. If you can, pay more than the minimum monthly payment. If you can afford only the minimum divide it in half and pay that amount every two weeks. These micropayments will reduce your balance and hence, the interest you pay each month.

Avoid borrowing money to get out of debt, especially consolidation loans. You could end up loosing everything because you’ve tied it all up in one loan. Also if you are paying down debt to purchase a home do not take out new credit! This may reflect negatively on your application. Never take out new credit for the furniture and all the nice things you want to put in your new home till the deal closes. Many people have had deals fall through because of last minute credit reports.. don’t let that happen to you!

A neat website for help resisting the urge to spurge. http://www.therealdamage.com/ shows you how much you could save by instead using the money to pay down your credit-card debt and it is an eye opener. The tool from this website estimates what it would cost you to pay off your current credit card balances including interest charges. Then it calculates how that cost would decrease if you put the money your thinking of spending toward your balance instead of toward that new gadget or getaway.

And finally Good Luck

Need to get rid of some of that debt?

Here’s some great tips

First be honest with yourself, the real reason why you’re where you are then make a plan to get out of it. I know this sounds easy but it can be complicated but you have to start somewhere.
Prioritize your expenses. Its always housing first, transportation second, utilities, third, your food and your necessary medical expenses.

Pay of the balance on the credit card with the highest interest rate first. Unless the balance on any card exceeds 50% of your credit limit. If you can, pay more than the minimum monthly payment. If you can afford only the minimum divide it in half and pay that amount every two weeks. These micropayments will reduce your balance and hence, the interest you pay each month.

Avoid borrowing money to get out of debt, especially consolidation loans. You could end up loosing everything because you’ve tied it all up in one loan. Also if you are paying down debt to purchase a home do not take out new credit! This may reflect negatively on your application. Never take out new credit for the furniture and all the nice things you want to put in your new home till the deal closes. Many people have had deals fall through because of last minute credit reports.. don’t let that happen to you!

A neat website for help resisting the urge to spurge. http://www.therealdamage.com/ shows you how much you could save by instead using the money to pay down your credit-card debt and it is an eye opener. The tool from this website estimates what it would cost you to pay off your current credit card balances including interest charges. Then it calculates how that cost would decrease if you put the money your thinking of spending toward your balance instead of toward that new gadget or getaway.

And finally Good Luck