You should know that your credit score affects your financial life in a big, big way. Having bad credit will affect your ability to have a loan approved, how much interest is charged on your loan, or even your chances of getting employed. Maintaining good credit is an important part of adulthood and one that should be taken seriously to help secure your financial future.
Below are five practices that you may not know actually adversely affects your credit score.
As an adult, one of your main goals in life is to have your own home. But the expenses of owning a house does not stop with the mortgage and bills. Things can break inside the house, and sometimes unexpected repairs can set you back financially. This is why it’s important to have a budget set aside for home repairs. This will help maintain or even increase the value of your home. Below are five expensive home repairs that you need to prepare for.
According to statistics, an average person will move approximately 11 times in their lifetime. And whether you are moving from one state to another or just one neighborhood over, the process will always be costly. From the obvious things like hiring movers to paying rent, moving always involves a lot of expenses. Often, however, there are small things that are often overlooked but take up part of your moving budget. Here are other expenses you need to take into account so you don’t end up getting short on cash.
Few of us ever imagine purchasing a major appliance when the current one is still running. But when you consider how your present refrigerator, dishwasher, or washing machine is impacting your life and the world in general, you may begin to have a different opinion.
Think of your current appliance as that toxic friend or partner who is dragging down your life in ways that you sense subconsciously but cannot quite define. When you re-frame the purchase of a new and more efficient appliance, not as an indulgence or a luxury, but as a highly practical solution to an urgent matter, everything seems to fall in place and make more sense.
Although they may be adorable and small, newborn babies come with a lot of “stuff.” Among the little clothes, diapers, and furniture, there is a lot to think about when decorating, arranging, and organizing a nursery. Naturally, you want to make sure the nursery looks just as cute as your baby. Here are a few tips for a functional, well-organized, and beautiful nursery.
If you or a loved one have a physical disability, it is important to make sure your home is handicap accessible. Having handrails available throughout your home and making the kitchen and bathroom layouts easily maneuverable are helpful solutions for making your house handicap accessible.In addition, you should make sure hallways and doorways are wide enough for wheelchairs and a clear pathway is available to enter the house and access different areas. Doing your research ahead of time is the best way to make sure you are prepared for transitioning your home to a safe environment for your loved ones.
It’s not fun to think about, but even if you fall in love with a home, it might not be the right fit. Although a home may meet all your must-haves, sometimes, issues come up that are just not worth it.
In those cases, even if you’ve put an offer on the place, it might not be too late to back out of buying the house before closing, and find another option that will ultimately work. It happens more often than you’d think.
Have you ever looked out at your garden and wished you had more space? Or wondered why you never really use your balcony? Yes, having a small outdoor space can be a challenge, but the good news is that you can make these spaces look bigger with some easy to implement tricks. Check out the infographic below.