6 financial steps that you should consider taking after buying your home

Congratulations you have finally closed on your home and are moving in! You thought the day would never come after all those little issues that may have come up. Finally you did it and you cant wait to make this house a home. 

Enjoy and I am so excited for you. Hopefully I was your agent. ( wink, wink)

There are however 6 financial steps that you should consider taking after buying your home and of course once you get settled in.

1- Consider setting some goals. This means budgeting. Think about what you want to do to your new home. New windows? Backyard need a face-lift? Putting a few dollars away here and there really adds up and come next summer you could be laying in a hammock admiring your handiwork and saying… Ahhhhhh.

2. Maintenance– It is true houses do cost money and you need to maintain your investment The average costs are 1% of the purchase price per year. For example a $250,000 house you should plan on saving and spending $2500 per year. Repairing or replacing items in your home is just a fact and the more you ignore needed repair items the more it will cost you in the long run.

By the way, change your furnace filters folks! I have seen way to many lately and it amazes me how people don’t realize they should change them every few months. Your breathing that dirty air.. Yuck. Not only that it could cause expensive repairs to the furnace.

3. Understand your policies– Once your settled in review that policy that you just accepted real quick to get the loan done. It may be a great one but most folks do not pay attention to all the details and now is a good time to go over. For example if a tree falls during a storm and takes out the shed is it covered? Also, now is the time to make sure you have enough life insurance. We don’t like to think about it but what happens if your spouse is in a accident and passes away? Can you afford making the monthly house payment by yourself?

4. Set up auto payments– Life is so crazy busy and even though I fought this for years thinking I would always remember to pay the bills on time I finally gave in and set up automatic payment for household bills. It really has been great for my family and I don’t stress anymore if I paid the light bill. Some even might give a discount for paying automatically. Doesn’t hurt to ask.

5. Emergency Fund- Always something isn’t it? Prepare for the unexpected. They say to have 8 months to a year worth of living expenses in savings. This is to include what you pay for your mortgage, utilities, cable, phone bills and other regular bills. I don’t honestly know that many people that have, or can, do this. After all those of us who have kids rarely have any left for savings. Seriously! Start by setting aside a small amount each month. You will be surprised how fast it does add up and you will be thankful for the extra cushion of cash down the road.  Just in case you notice the roof leaking.

6. Take your time in Decorating. Now for the funnest one. Don’t rush and decorate the house. You might regret it. Take time and live in the house; how you use things day to day and get a feel for everything. Then have a decorating budget, watch for sales and slowly buy things that you know you will keep around. I know its hard to wait but you will make smarter purchases that you will enjoy years down the road instead of it ending up in next years garage sale and someone offering you a $1 of it.

Although I inserted my own flare and added on to these tips there from the Costco Connection so you know their great tips…must give credit where credit is due. 

What’s Happening this weekend?

What’s Happening this weekend?

 This week is just hopping here in Snohomish County!!

7/17- 7/21-Today Kicks off Kla Ha Ya Days in Snohomish for over 100 years this great Summer Family Festival has been around and this year my boys will be marching in the Parade in their Boy Scouts uniform and passing out candy.

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7/20 -We have the 2nd Annual Biringer Farm Raspberry Fest and Jam Contest- Can you say nummy and sticky fun?

If your farther up North then the Darrington Bluegrass Festival 7/19- 7/21 might be more to your liking.

Head South and The Chinatown Seafair Parade is this Sunday 7/21/13

Or if you just don’t want to go anywhere and just stay home enjoying the weather at least enjoy some Ice cream after all on the 21st its National Ice Cream Day and July just happens to be National Ice Cream month who could possibly pass that up? Geez and all these years I thought every day was National Ice cream day well you could have fooled me!

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Enjoy everyone!

Cool Tips Your Way

What a great and sunny day in the Northwest!!!  

Today is a day to send some Cool Tips Your Way!
Keep Your Cold Food Cold. 
After all we don’t want the milk curdling and the Ice cream too soft do we?  

Refrigeration

  • Like other appliances that heat and cool, refrigerators are big energy users. If your refrigerator door does not shut tightly, check the door seal to see if it needs to be cleaned or replaced. A door leak allows cool air to escape, forcing your refrigerator to use more energy to keep food cold.
  • Cleaning the condenser coils found in the back or bottom of the refrigerator will maximize its efficiency. A brush or vacuum can be used. Be sure to unplug the refrigerator before you start cleaning.
  • When purchasing a new refrigerator consider a high efficiency model. Compare yellow Energy Guide labels and choose the unit that uses the least amount of electricity.
  • A freezer’s efficiency is increased by keeping its compartment full. Be careful not to block the fan that allows cold air to circulate.

Check your refrigerator’s temperature settings for the most efficient appliance operation. Refrigerator temperature should be 36-38 degrees and freezer temperature should be 0-5 degrees.

 
 

When your all done checking the Fridge and Freezer how about making some Ice Cream?  

Celebrate National Ice Cream Month!!

NO-COOK STRAWBERRY ICE CREAM

Ingredients
1 (14-ounce) can sweetened condensed milk
1 (5-ounce) can evaporated milk
2 tablespoons sugar
1 1/2 cups whole milk
1 (16-ounce) container fresh strawberries or 1 (16-ounce) package thawed frozen strawberries
2 tablespoons lemon juice
1/4 teaspoon salt

Preparation
Whisk first 4 ingredients in a 2-quart pitcher or large bowl until blended. Cover and chill 30 minutes. Process strawberries, lemon juice, and salt in a blender or food processor until smooth. Stir into milk mixture.
Pour milk mixture into freezer container of a 1-quart electric ice-cream maker, and freeze according to manufacturer’s instructions. (Instructions and times will vary.)
Remove container with ice cream from ice-cream maker, and place in freezer 15 minutes. Transfer to an airtight container; freeze until firm, about 1 to 1 1/2 hours.

Note: For testing purposes only, we used a Rival 4-quart Durable Plastic Bucket Ice Cream Maker and a Cuisinart Automatic Frozen Yogurt-Ice Cream & Sorbet Maker
Southern Living April 2009

Five Musts Before You List Your Home

 

Five Musts Before You List Your Home
Deciding to list your home for sale is a momentous time. It means you will be moving on to a new stage of life, no matter if you’re moving up or sizing down. Take a moment to look over these tips for what every seller should do before they put their home on the market.
Organize Your Paperwork: Every homeowner should have a detailed list of all past repairs, updates, and upgrades they’ve made. This will help your agent know what should be mentioned on the MLS. Did you put on a new roof in 2010 or install a new water heater in 2009? These are great selling features because they mean less work in the future for the prospective buyer. Also included in this list should be any home warranty information. These warranties will most likely transfer with title of the home.
Get Ready to Declutter: Even before you’ve officially listed your home for sale, you should start getting rid of things you don’t need. Starting now will mean a more thorough and less rushed job of clearing things out. Start with one closet and work your way through the entire home. Sort items to toss, keep, sell, and donate.
Having a yard sale is a wonderful way of making a little extra pocket change while reducing the amount of things you’ll have in your home during showings and that you’ll need to pack up and move. It’s a win-win! 
Clean, Clean, and Clean Some More: Dirty homes are a real buyer turnoff. Now is a great time wash down walls, spruce up paint, and give your entire home a thorough cleaning. Do your carpets need refreshing? Consider renting a carpet shampoo machine or hiring a professional carpet cleaning company to come in and revamp your carpets.Chances are buyers will ask for this anyway come closing time. You’ll beat them to the punch and have a shiny, sparkling home to show for it. 
Get an Inspection: Did you think inspections were only for buyers? Having a pre-sale inspection can mean identifying problem areas. Perhaps you’re unaware that your foundation needs repaired. This will severely affect your listing price. It’s best to be prepared and realistic in today’s market.
Make Repairs or Get Estimates: Your inspection will likely leave you with a list of repairs, large and small, that need made. Keep in mind that prospective buyers will also get an inspection of your home and will find these same issues. Head them off at the pass and do some fixing up. You may wish to go ahead with large repairs. If not, be sure to at least get estimates so you are fully prepared for negotiations (you’ll know what the real cost should be) or so you can provide the estimates for buyers.
Start Staging:Staging is like prepping your home for its first date. You want to have it clean and well-dressed. This means amping up curb appeal with neat landscaping, fresh paint, and flowers. It means rearranging furniture and removing clutter. 
Congratulations on deciding to list your home for sale. Be proactive about making a good first step by following these tried and true tips. 
And remember 90% of my business is by referral. My goal is to build a relationship with you, your friends and family by giving superior service.

Seattle Home of the week

HOME OF THE WEEK IN SEATTLE~ $499,950

Stylish shingled home loaded with charm!! 
Everything in perfect in this 2500 sq ft. home on a good size lot of 7200 sq. Ft.
  

Newer kitchen with stainless steel appliances and tile floors, All 3 baths have been redone. Classic and tasteful with warm inviting colors and newer carpets. Newer double hung windows flood the interior with light – Lovely master with private bath; Lower level has 2 additional bedrooms, 3/4 bath & a wonderful media room or office with separate entrance. Updated systems. Large private patio & backyard for entertaining. 

Very Impressive!!

For more information and full photo album just let me know and I will send right over.  

Contact me!

Great Opportunity for a Condo in Kenmore

Priced at $150K!

Great location and close to everything. What a walkscore in this updated comfortable Corner/end unit. Largest floor plan available in Coventry Place. This 2 bdrm with 2 bath is light & bright with an open floor plan. Granite Countertops, large open kitchen and pantry. Separate dining room w/slider to balcony & storage. Large Living room! Bedrooms are also large & open. So many amenities! Walk to Burke Gilman Trail, Parks, Shopping, Park & Ride and Northshore Schools. Club House, Exercise room, pool & owner enclosed bike storage.

Happy Fourth Of July

Jenifer Murrweiss

Phone Number

Direct: 4254227243
Mobile Phone: 4254227243
Email Address
jmurrweiss@remax.net

HAPPY FOURTH OF JULY
Welcome to summer and the heat! I hope everyone is staying cool. With summer now in gear and the 4th of July upon us I wanted to provide you with all our area has to do for fun in the sun and of course 4th of July Fireworks. I hope you have a wonderful and safe one and as usual I am here for you with your Real Estate needs please dont hesitate to reach out to me.
Snohomish County
 
Wow! So much going on!

 

THE Guide to fun all Summer and The 4th Of July LIne Up at SPLASH
King County
King County’s 4th of July line up and the complete summer guide for all over Seattle.

Again be safe and enjoy the Holiday!

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