Unfortunately, many homeowners have gone through a foreclosure in recent years but that doesn’t mean that future homeownership is out of the question. Hard work and discipline and these tips should have you on the road to homeownership again soon.

1. Keep a steady job

Potential lenders will need to see stable employment before they’ll approve a mortgage loan after a foreclosure.

2. Build your savings

Rebuild your savings account. You will want to establish a minimum of six months of living expenses in a liquid account. Mortgage companies will want to see you have a cushion to pay your bills.

3. Work on your credit score

After foreclosure, your credit score probably dropped by about 150 points. Rebuilding your score will take time, hard work and perseverance. Pay all of your bills on time and make sure to keep your credit card balances below maximum levels. It is best to have the balance less than half of the available balance.

If you stay disciplined and positive, the American dream—obtaining a mortgage and owning a home of your own—can, indeed, be yours again. Even after foreclosure.

 

 

When times are tough you look to cut back anywhere you can. The price at the pump can be a real budget buster. There are ways to save on gas and get better mileage from your dollar.

Slow down
Speed is the biggest factor on fuel economy. Driving at 55 mph instead of 65 or 75 will save on gas. Tests have shown increasing speed from 55 mph to just 65 mph dropped fuel economy from 40 mpg to 35. While driving at 75 mph can cost the car another 5 mpg.

Go smooth
Keep a steady pace; avoid hard acceleration and braking if possible. Frequent acceleration and braking can reduce mileage by 2 to 3 mpg. Driving with smooth acceleration, cornering, and braking will also extend the life of the automobile.

Don’t be a drag
When driving on the highway, more than 50 percent of engine power goes to overcoming aerodynamic drag. Carrying large items such as luggage racks and top-carriers reduce fuel economy.

Warm Up
Take the time to warm up the engine before taking off. Cars run most efficiently when they’re warm. Stopping and starting the car several times is a big factor, try to combine several short trips into one so that the engine stays warm.

Pump up
Check your tires. Underinflated tires compromise handling and braking which in turn can reduce fuel economy. Check the pressure of your vehicle’s tires to make sure they are correct.

Keep moving
Idling is one of the worst things your car can do, when idling your car is getting zero miles per gallon. Turn off your engine if you expect to sit for more than about 30 seconds.

Practicing these simple tips should have you putting less money in your gas tank in more in your wallet in no time.

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Do the rooms in your home make you feel depressed? Do you feel they need to be completely refurbished? Every home can be transformed with  little touches, making it an abode that you always desire to be in. Here are some tips on how to spruce up your home.

 

  • Maintain Simplicity: Some people have the habit of leaving furniture and items they have not used in ages in the home. This clogs the home, making it less desirable. Look around, can you find anything that you have not used in a while? If you have no use for one of your belongings, dispose of it, sell it, or simply give it away.  Simplicity is fundamental to sprucing up your home.
  • Painting: This is the first idea that comes to mind as it is the one improvement that if done right, would transform the look of your home completely. All you need to do is get the right colors. Light blue, cream and peach are great colors that inspire. A little touch here and there would transform the entire home.
  • Replace The Furniture: The home can be given a complete face lift by the total replacement of the upholstery or furniture. Be careful when selecting new furniture or fabric as the colors need to match or blend with the walls and window blinds. If this is done correctly, the room will get a perfectly new and rich look.
  • Flowers: Adding a few plants at strategic locations lights up the home in a manner that can seldom be explained. They add visual appeal, style and allure to the home. Some have an aroma that makes the environment smell pleasant. You can find a great variety of house plants not far from your home. Visit your local nursery, florist, or even  the big box stores. Place the plants throughout your house, in the sitting room, veranda and even the bedrooms. Remember to water them regularly as they are most enjoyable when healthy and vibrant.
  • Wash The Drapes: Depending on the size of the drapes, this could be tedious. However, you would be amazed by how a simple washing can restore brightness to the drapes and add freshness to the room.  Whether you wash the drapes yourself or have them professionally cleaned, it will still be less expensive than purchasing new ones.

Finally, for your home to have the look you desire, you must get the arrangement right. Place furniture in a manner that inspires ones thinking. Do not just place things anywhere for the sake of placing them. There must be a function attached to the positioning of every item. Sprucing up and refreshing your home does not require a huge budget, simple changes can make your home feel more desirable at a minimal expense.

At your home inspection you notice the windows look dirty and hazy, they even have water droplets inside the panes. The seals are broken. You immediately think you will need new windows or do you?

What you see is a failed or broken window seal. Window seals usually fail due to age, the typical window seal will last around 10 – 15 years.

Other reasons a window seal may fail are:

  • Pressure changes caused from hot and cold weather
  • Building settlement
  • Movement from opening and closing
  • Objects hitting the window
  • Pressure washing
  • Deteriorating frameworks

If you can’t stand the look of the hazy windows and decide to replace them make sure to find a company that offers a good warranty plan, look for a 10-20 year warranty.

 

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