Thomas Beauchemin's Blog
7 Tracie Lane, Weare, NH 03281
Let's face it – the homebuying journey may prove to be an expensive experience. If you're not careful, you risk overspending to acquire your dream house. On the other hand, if you purchase a home without identifying underlying structural problems, you risk costly home repairs down the line.
Ultimately, it helps to establish a budget for the homebuying journey. If you have a budget in place, you can increase the likelihood of having the necessary funds on hand to overcome many potential homebuying hurdles.
You should have no trouble creating a homebuying budget, either. In fact, here are three tips to help you put together a budget for the homebuying journey.
1. Assess Your Financial Situation
If you intend to purchase a house in the foreseeable future, you'll want to take a close look at your finances. By doing so, you may be able to reduce your monthly spending and use your savings to accelerate the homebuying journey.
It often helps to assess your daily, weekly and monthly expenses. Then, you may discover bills that you can cut from your everyday budget.
For example, you may enjoy dining out regularly, but cooking at home may prove to be more cost-effective. And as you reduce your dining expenses, you can save money that you can use toward the down payment on a new house.
2. Obtain Your Credit Score
Believe it or not, your credit score can make a world of difference in your quest to acquire a house. If you check your credit score, you may be able to find ways to improve your credit score prior to kicking off a house search.
You are eligible to receive a free copy of your credit report from each of the three reporting bureaus (Experian, Equifax and TransUnion). Take advantage of this perk, and you can learn your credit score in no time at all.
Remember, your credit score may have a major impact on your ability to land a favorable mortgage. And if you find that you have a below-average credit score, you then can pay off outstanding debt to improve it before you start your search for a new home.
3. Get Pre-Approved for a Mortgage
Pre-approval for a mortgage is ideal. With a mortgage in hand, you can enter the real estate market with a budget for buying a house.
To get pre-approved for a mortgage, you should meet with banks and credit unions. These financial institutions can offer insights into a variety of mortgage options and help you make an informed mortgage selection.
Lastly, as you prepare a homebuying budget, you may want to collaborate with a real estate agent. This housing market professional can help you hone your home search to residences that fall within your price range. Perhaps best of all, a real estate agent will make it simple for you to avoid spending too much to acquire your dream house.
Get ready to buy a house – use the aforementioned tips, and you can establish a successful homebuying budget.
445 Ray Street, Manchester, NH 03104
Life amongst the trees can be beneficial. You get plenty of shade, ample privacy, and can use some of the wood for heating, cooking, or camp fires with the kids. However, living in the woods can also present a few challenges that many aren’t prepared for when purchasing a home in a heavily wooded area.
In this article, we’re going to give you some advice on how to survive and thrive on a heavily wooded plot of land so that you can make the most of the trees you’ll grow to love.
While all of those trees in your yard may be beautiful, they can be dangerous to you, your home, and your vehicles if you’re not careful. Storms, especially in colder climates where ice is likely to form, can bring down large branches and cause a lot of damage.
They can also be a minor annoyance when you have to move branches before you back out of your driveway in the morning.
The best way to avoid potential danger is to take inventory of the branches that are within striking distance of your home, garage, vehicles, and driveway. Healthy branches on younger trees might not pose a hazard. But, if you notice dying or large, heavy branches that could fall somewhere dangerous, it might be better to remove them now than pay for the damage they cause later.
This brings us to one of the most important tools you can have living in the woods: a chainsaw.
Since you have a wooded property, it’s most likely best to buy a gas-powered or battery-powered chainsaw to avoid having to use several extension cords throughout the woods.
When it comes to the high sitting branches, you can buy a pole saw in the $150 range that will handle small branches.
One of the benefits of cleaning out some trees is that you get free fuel for your fireplace (if you have one). However, you’ll need a dry place to season your wood before you burn it. Ideally, wait at least a year for your wood to dry out before using it in your wood stove.
Embracing nature -- the good and the bad
To get the most out of your tree-covered yard, you’ll have to learn to accept some of the things that come with it. If you’re the type of person who picks up every stick on their lawn, you’ll come to realize that it’s best just to pick them up before you mow.
When it comes to mosquitos and other insects, you’ll learn the times when they come out to feed and learn to avoid exposure at those times. However, when you live in the woods, bugs and critters are a part of life. So, it helps to learn about them. You might find that the spiders you hate help keep your home free of other undesirable insects.
When you get fed up with the sticks you have to pick up and the insects you have to avoid, just remember that you have privacy from passersby, that it’s more calm and quiet from the trees blocking the sounds of the road, and that the shade will give you a cool place to sit outside and save you some on your air conditioning bill in the summer.
- Scrub grout in the kitchen and bathroom.
- Wash pillow and mattress protectors as well as duvet covers.
- Discard any food in the freezer that has become freezer burnt or is past its time.
- Wax any wood floors your home may have.
- Dust fans you have throughout your home. Don’t forget to do this in the winter when they are not in use to avoid build-up.
- Wipe down and disinfect light switch plates and door knobs.
- Wipe down and disinfect your home phones and your family’s cell phones.
- Flush drains. Try a natural solution by pouring baking soda down drains and allowing to sit overnight to deodorize. In the morning pour hot water down the drain to rinse the baking soda out and flush the drain.
- Wipe down walls, doors and baseboards.
- Check the fire alarms throughout your home and replace any batteries when necessary.
- Dust each room in your home.
- Empty all trash bins throughout your home. Don’t forget smaller, less used baskets like in your child’s room or in the office.
- Clean sinks, toilets, and bath of any soap scum or buildup.
- Vacuum and mop the floors throughout your home.
- Wipe down surfaces like tables and counters.
- Clean mirrors and windows.
- Wash sheets and pillowcases.
- Sort through your mail and email inbox. Pay any upcoming bill and file paperwork as necessary.
- Clean fridge out of any food that has gone past its expiration.
- Wipe down appliances in the kitchen such as the microwave, stove, and toaster.
- Wipe down and deodorize trashcans and recycling bins.
- Put out fresh towels in your bathrooms and kitchen
- Tidy up. Keep on top of clutter by putting items away when they are no longer in use.
- Make the beds and if your children are old enough encourage them to make theirs.
- Sort out mail. File and discard as necessary.
- Clean up as you prepare meals to leave time to relax after dinner time instead of spending another hour in the kitchen.
- Wipe up any spills as they happen to avoid having to use elbow grease to clean up later.
- Sweep the kitchen floor and any other high traffic areas.
- Throw in a load of laundry. If you have a large family make laundry more manageable by doing a load a day.