Tanya Tanimoto's Blog
One of the critical steps towards ensuring that your home is adequately secured is choosing a home security system. A home security system is vital because it is a way of protecting the family from danger. There are various factors you need to consider before deciding on the right home security system. An excellent option is to go for a security system that has non-proprietary features. The advantage of this is that it can be modified or repaired by using generic parts.
Here are some steps involved in determining if your home is secure:
- Professionally installed system or the one you can fix yourself: You should decide whether you are going for an advanced security system that will be set up by professionals or the ones that you can easily install yourself. Some self-installed systems are wire-free making them perfect for the novice installer.
- Look into a monitoring contract: You might consider a home security system that has a monitoring contract that is not more than one year, particularly if you might move. While a monitoring contract helps you to minimize the upfront cost of equipment, you don’t want to be stuck with a contact you no longer want. However, you should always take note of the cancellation fee to decide which alternative is best in your situation.
- Count the numbers of windows and doors: Another step you need to take when choosing a home security system is to count the numbers of doors and windows you have in your house. The number of doors and windows will help you determine how many sensors you will need. Decide if you only want sensors on the ground floor or if upper levels need them as well.
- Get a smoke detector: You should consider getting at least one smoke detector on your monitored system. A smoke detector is essential because it can help prevent a fire from escalating and potentially save your precious family from harm, and your belongings while you are away.
- Connect all main level doors to the system: You must establish a connection between the entire main exits and the device to notify the main panel if any of these doors are open. You can employ the use of a coverage detector if you have some entries that aren't accessible to the wiring.
- Use a motion detector: In a situation where several windows are accessible from the ground level, consider using a motion detector in these areas. Apart from its effectiveness, it will also cut down your expenses.
- Consider the basements: Look for a way to fit your basement into your home security system. If you have not completed your basement, it will be straightforward for the technician to do the wiring of main levels as well as the windows and doors of the basement. You might consider a wireless addition to your home security system if you have a finished basement. This wireless addition must be able to cover your basement doors and windows accessible from outside.
Installed home security systems may boost the sale of your home in certain areas, so check with your real estate professional to see how it may impact your home’s selling price.
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Saving for a down payment on a home is a long process that requires discipline and organization. But we all know that with so many other things going on in our lives it can be hard to spend enough time focusing on your budget.
Fortunately, there are several tools available to soon-to-be homeowners who want to keep track of their spending and make sure they meet their down payment goals. In this article, we’re going to talk about some of the best budgeting apps, websites, and other tools to help you keep yourself accountable so you can be living in your new home as soon as possible.
Why budget for a down payment?
If you’ve saved money in the past for a purchase without a budget you might be wondering why you should go through the effort of creating one now.
However, there are many reasons to have a budget, especially if you’re planning on making an investment as large as a home. Here are just a few:
Keeping an accurate budget will let you know almost exactly how much you can expect to save for a down payment
Budgeting helps you locate and cut out expenses that would be better used in your savings account
Budgeting will give you peace of mind along the road to saving for your down payment
Now that we’ve talked about the importance of making a budget, let’s talk about some of the best ways to get it done.
You Need a Budget, often shortened to YNAB, is one of the most useful tools for learning about and creating a budget. I don’t know about you, but I was never formally taught how to budget in school. But, it would have been a useful class to have!
YNAB combines budgeting tools with educational materials to help you save while you learn more about managing money. It can be easy to feel lost when it comes to learning about personal finance--that’s what makes YNAB so great.
Their basic precept is that you “give every dollar a job,” meaning there won’t be any money in any of your accounts or in your paycheck that doesn’t have a purpose. That doesn’t mean you can’t spend money on yourself every once in awhile, just that you’ll have planned ahead for moments so you can manage them.
You Need A Budget is available for Apple, Android, on Alexa and in your browser.
Saving with your spouse
Planning a budget yourself is complicated as it is. But planning together with a spouse can be even more confusing. However, there are ways to effectively make a family budget to save for a down payment.
First, you should both make sure you have individual budgets to make sure you know how much money from each of your incomes can go into savings. Opening a joint savings account and having a certain percentage of your paycheck direct deposited into that account is a good place to start.
From there, monitor your savings for a month to see if you need to alter this number, and try to stick to your monthly savings goal.
Let's face it – clutter can be a problem, particularly for those who intend to sell a home in the foreseeable future. But if you allocate time and resources to remove clutter from your home now, you may reap the benefits of your efforts during the home selling cycle.
Ultimately, there are many reasons for a home seller to eliminate clutter before he or she lists a residence, and these include:
1. You can help a homebuyer envision what life may be like as the owner of your house.
Oftentimes, homebuyers want to picture what life may be like if they purchase a particular residence. Yet a home that is filled with antiques, decorations and other items may make it tough for a homebuyer to do just that.
If you remove clutter from your residence, however, you can make it simple for a buyer to see your home's full potential. As a result, a buyer may be better equipped than ever before to determine whether your residence is the right choice.
2. You can earn extra cash.
Although your house may be loaded with a wide range of personal belongings, you don't necessarily have to throw these items away. In fact, you can always sell excess items to simultaneously remove clutter from your house and earn extra cash.
It may be a good idea to host a yard sale before you list your house. This will enable you to sell excess items as well as inform neighbors about your upcoming plans to add your residence to the real estate market.
Of course, you can sell excess items online as well. Or, you may be able to donate assorted items to local charities.
3. You may speed up the home selling process.
The home selling process may prove to be long and complicated, especially if a house is overloaded with clutter. Thankfully, removing clutter may make it easy for you to stir up lots of interest from potential buyers as soon as your residence becomes available.
A clutter-free residence is more likely to be clean and tidy in comparison to other houses. Thus, when buyers enter a clutter-free residence for the first time, they may fall in love with this house right away. And if a clutter-free home makes a positive first impression on a buyer, a seller soon may receive a competitive offer to purchase his or her house.
If you're searching for help as you try to remove clutter from your residence, you may want to hire a real estate agent. This housing market professional can offer plenty of assistance throughout the home selling journey.
Typically, a real estate agent will help you list your house and promote it to potential buyers. Plus, if you need help as you get your home ready for the housing market, a real estate agent will make it simple to prepare your residence and ensure it makes a positive impression on buyers.
Eliminate clutter from your house, and you may increase the likelihood of a fast, profitable home selling experience.