Cape Deb - your Guide to Paradise » Newsletters http://capedeb.com specializing in Southwest Florida Real Estate Thu, 29 Jul 2010 17:20:14 +0000 http://wordpress.org/?v=2.9.1 en hourly 1 July 2010 Newsletter….Cape Coral FL Real Estate News from Cape Deb……… http://capedeb.com/index.php/2010/07/july-2010-newsletter%e2%80%a6-cape-coral-fl-real-estate-news-from-cape-deb%e2%80%a6%e2%80%a6%e2%80%a6/ http://capedeb.com/index.php/2010/07/july-2010-newsletter%e2%80%a6-cape-coral-fl-real-estate-news-from-cape-deb%e2%80%a6%e2%80%a6%e2%80%a6/#comments Sat, 03 Jul 2010 14:39:49 +0000 CapeDeb http://capedeb.com/?p=864 July 2010 
                           

                                        

State and National News:

 Taxes and Insurance:

 Cape Coral and SW Florida News:

  • 1st Quator 2010 Local Market Report   Read more…
  • New model: SWFL has less than one percent chance of getting oil   Read more…
  • City issues more single-family home permits   Read more…
  • Lee County Community Gardens   Read more…
  • 2010 Summer Cape Coral Parks and Recreations Guide   Read more…

 Real Estate Tips:

 Green News:

_____________________________________________________________________

Check out my new website at

www.CapeDeb.com

 _______________________________________________________________________

This month’s feature…..

Rose Garden Villa Condo….

(click picture for more info)

-High ceilings, Bright Corner Unit

-one of Cape Coral’s best kept secrets

{CapeDeb’s Listings here}

{Search all properties here }

______________________________________________________________________

10 Tips for Saving Energy in the Kitchen…..

Article From HouseLogic.com
By: Douglas Trattner
Published: August 28, 2009

Spending less money on utility bills doesn’t mean you need to rush out and purchase a whole new suite of Energy Star appliances. With occasional light maintenance and good habits, you can greatly improve the energy efficiency of your large kitchen appliances—up to about $120 annually—without sacrificing convenience.

Refrigerator/freezer

Energy-efficiency experts tell us to focus our efforts on the biggest energy hogs in the house, and that definitely includes the fridge. Because it cycles on and off all day, every day, the refrigerator consumes more electricity than nearly every appliance in the home save for the HVAC systems. The average refrigerator costs about $90 per year to operate, according to the U.S. Department of Energy. The good news is that a few simple adjustments can trim roughly $38 to $45 off those utility bills.

1. Adjust the thermostat. By setting the thermostat colder than it needs to be, you might increase your fridge’s energy consumption by as much as 25% on average. Adjust the refrigerator so that it stays in the 37-40 degrees F range. For the freezer, shoot for between 0-5 degrees F. You could save up to $22 per year. If your model doesn’t display the current temps, invest in two appliance thermometers (one for the fridge, one for the freezer). They cost roughly $3-$20 apiece at online retailers.

2. Clean the coils. As dust accumulates on the condenser coils on the rear or bottom of the fridge, it restricts cool-air flow and forces the unit to work harder and longer than necessary. Every six months, vacuum away the dust that accumulates on the mechanism. Also, check to see that there is at least a 3-inch clearance at the rear of the fridge for proper ventilation. This routine maintenance can trim up to 5% off the unit’s operating cost, says energy savings expert Michael Bluejay, saving you about $4.50 a year.

3. Use an ice tray. Automatic ice makers are a nice convenience, to be sure, but it turns out the mechanisms are energy hogs. An automatic ice maker can increase a refrigerator’s energy consumption by 14% to 20%, according to Energy Star. By switching off the ice maker and using trays, you can save about $12 to $18 off your annual electricity bill. Most units require little more than a lift of the sensor arm to switch them off. To reclaim the space remove the entire unit, a simple DIY job on many models. 

4. Unplug the “beer fridge.” Many homes have an extra fridge that runs year round even though it’s used sparingly. Worse, these fridges tend to be older, more inefficient models. By consolidating the contents to the main fridge and unplugging the additional unit, you eliminate the entire operating cost of a fridge. The second-best solution is to make sure the extra fridge remains three-quarters full at all times. The mass helps maintain steady internal temps and lets the fridge recover more quickly after the door is opened and closed, according to the California Energy Commission. 

Ovens and ranges

“Green” cooking all comes down to proper time and space management. By using gas and electric stoves more effectively, you can painlessly save a few dollars a year.

5. Cut the power early. As anybody who’s ever bumped a burner on an electric stove can attest, those heating elements stay hot long after they’ve been switched off. Put that residual heat to work by shutting off the burner several minutes before the end of the cook time. The same technique can be applied to the oven. The savings can add up to a couple bucks every month.

6. Match the burner to pan. When a small pan is placed on a big burner you can practically see the money disappearing into thin air. By matching the burner to the pan, electricity won’t be squandered heating the kitchen rather than the food. The reverse is true, too. A small burner will take considerably longer to heat a large pan than would an appropriately sized burner. For gas stoves, don’t let the flames lick the sides of the pot. Follow these tips and watch the utility bills shrink by a few dollars a month.

7. Do away with preheating. You can save about $2 a month by not preheating your oven (20 cents per hour to operate electric oven; eliminate 20 30-minute preheats a month). Many cooks agree that the practice is wholly unnecessary for all but a few recipes, namely baking breads and cakes. This approach may add a few minutes to the overall cooking time, but it eliminates all that wait time on the front end.

Dishwasher 

As with washing machines, most of a dishwasher’s energy needs go to heating the water. Still, says Lane Burt, an energy policy analyst with The Natural Resources Defense Council, a 10-year-old dishwasher can be made nearly as efficient as a newer model simply by knowing when and how to run it. Follow a few simple tips, and you can reduce your annual utility costs by roughly $35-$54.

8. Manage the load. Most dishwashers use the same amount of water and energy whether they’re run full or half-full. You can cut your operating costs by one-third or one-half by running the machine only when it’s full. It costs about $54 to run a pre-2000 model dishwasher per year, based on government data. Proper load management can save up to $27 each year.

9. Activate energy-saving features. A dishwasher’s heated dry cycle can add 15% to 50% to the appliance’s operating cost. Most machines allow the feature to be switched off (or not turned on), which can save $8-$27 per year, assuming an operating cost of $54 annually. If your dishwasher doesn’t have that flexibility, simply turn the appliance off after the final rinse and open the door. 

10.  Use the machine. Many homeowners believe they can save water and energy by hand washing dishes. The truth is that a dishwasher requires less than one-third the water it would take to do those same dishes in the sink. By running the machine (when full), you can cut down the operating time of the hot water heater, your home’s largest energy hog. Not only will you save a buck per month, you won’t have to do the dishes.

Douglas Trattner has covered household appliances and home improvement for HGTV.com, DIYNetworks, and the Cleveland Plain Dealer. During the 10-year stewardship of his 1925 Colonial, he’s upgraded almost every household appliance. After lengthy deliberation, he recently replaced an aging top-load washing machine with an energy-efficient front-load unit

Visit houselogic.com for more articles like this. Reprinted from HouseLogic with permission of the NATIONAL ASSOCIATION OF REALTORS®
Copyright 2010.  All rights reserved.

—————————————————————————————————————————————————-

Deb Cullen, CRS, GRI, ABR, e-PRO, SRES, RSPS, SFR

Century 21 Sunbelt, 725 Cape Coral Pkwy W, Cape Coral, FL 33914

deb@CapeDeb.com

www.CapeDeb.com

239.233.2322

Sign up to receive a free copy of the monthly newsletter click here

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State and National News:

 Taxes and Insurance:

 Cape Coral and SW Florida News:

 Real Estate Tips:

 Green News:

_____________________________________________________________________

Check out my new website at

www.CapeDeb.com

 _______________________________________________________________________

This month’s feature…..

Waterfront Pool Home! $199,000 

(click picture for more info)

-High ceilings and French doors

-one of Cape Coral’s most extensive freshwater canal-ways

{CapeDeb’s Listings here}

{Search all properties here }

______________________________________________________________________

 LAWN MAINTENACE CALENDAR….. 

Article From HouseLogic.com

By: Douglas Trattner
Published: February 04, 2010

Regular lawn maintenance gives your home maximum curb appeal and preserves the value of your property.

A healthy, well-maintained lawn is more than just good-looking-it’s a key to preserving the value of your home. Regular lawn maintenance enhances curb appeal, making your home-and neighborhood-attractive to passersby and potential buyers.

According to Su Chi Straka-Phillis, a residential real estate appraiser with Central Appraisal Services of Parma, Ohio, a well-kept lawn preserves a home’s value.

Put off routine maintenance, and you risk devaluing your home. In fact, an unkempt lawn can be a warning sign to buyers of other potential home maintenance issues, explains Cecilia Sherrard, a real estate agent in Rocky River, Ohio. “The outside of the home is the first thing people see, and if it’s not properly maintained, many will not be interested in scheduling a showing to see the inside.”

Know your grass type

There are two main types of lawn grass: cool-season and warm-season. Homeowners living in the Northeast, Midwest, and Northwest should grow cool-season grasses. As depicted on the Plant Heat-Zone Map (http://www.ahs.org/publications/heat_zone_map.htm) provided by the American Horticultural Society, the regions for cool-season grasses are approximately zones 1 through 7.

Cool-season grasses do most of their growing in spring and fall, often going dormant in the summer. Cool-season grasses include bermudagrass, zoysiagrass, and St. Augustine grass.

Those living in the Southeast and Southwest (zones 8 through 12) will generally have warm-season grasses. Warm-season grasses thrive from late spring to early fall and go dormant in the winter. Varieties include tall fescue, Kentucky bluegrass, and perennial ryegrass.

If you’re unsure which zone applies to you, check your state extension service (http://www.csrees.usda.gov/Extension/).

Mowing

Grass type: All
Maintenance schedule: Spring to fall

“The taller the grass, the deeper the roots, the fewer the weeds, and the more moisture the soil holds between watering,” explains Richard Hentschel of the University of Illinois Extension (http://web.extension.illinois.edu/state/index.html). Hentschel recommends the mower blade height be permanently set to 3 inches.

In prime growing season (spring and fall for cool-season; summer for warm), homeowners should mow frequently enough so they’re removing no more than one-third of the grass blade. If possible, resist the urge to mow the grass when wet, as the practice can spread diseases that affect lawns.

Mower blades should be sharpened monthly to ensure clean, sharp cuts. A dull blade tears the grass, leaving jagged edges that discolor the lawn and invite pathogens. Consider spending about $20 for a backup blade so that a sharp one is always on hand.

Watering

Grass type: All
Maintenance schedule: Spring to fall

Deep and infrequent watering is better for lawns than frequent sprinkles, which promote shallow root growth, says Hentschel. In general, lawns need about one inch of water per week to maintain green color and active growth.

Lawns that receive less than that will likely go into dormancy. To stay alive, dormant lawns should still receive at least 1 inch of water per month.

To check the output of a sprinkler, scatter some pie tins around the yard to see how much water collects in a specific length of time. Having a rain gauge ($5 to $20) will help you keep track of how much water the lawn receives naturally. Allowing a cool-season lawn to go dormant in the summer can save hundreds of gallons of water, depending on the size of your lawn.

Feeding

Grass type: Cool-season
Maintenance schedule: Early fall

Grass type: Warm-season
Maintenance schedule: Late spring

“It used to be common to fertilize a lawn three or four times per year,” says Hentschel. “Now we suggest just once a year when it will do the most good.” For cool-season grasses, that time is early fall, so the grass enters winter dormancy in a much healthier state.

For warm-season grasses, the best time to fertilize is late spring, just as the grass begins its most active growth. For best results, closely follow the application directions on the product. Cost is around $50 to $75 per application.

People interested in organic fertilizers have never had an easier time finding them at local garden centers. Homeowners who mow regularly with mulching mowers are encouraged to leave the clippings on the ground, where they’ll decompose and recycle nutrients into the soil.

Weed-control herbicide application

Grass type: Cool-season
Maintenance schedule: Fall

Grass type: Warm-season
Maintenance schedule: Late winter

Homeowners should embrace the idea that an occasional weed is OK, says Hentschel. For minor weed invasions, removal by hand of the entire plant and roots is recommended. When the situation becomes impossible to contain by hand, it might be necessary to apply an herbicide.

For cool-season grasses, the best time to apply a weed killer is in fall, when both old and new weeds can be eliminated before winter. Warm-season grasses often benefit from a late-winter application of a pre-emergent herbicide to prevent weeds from growing.

In place of weed and feed products, which are spread over the entire lawn, Hentschel prefers liquid-based herbicides that are applied only where needed. It’s imperative to read and follow all directions on herbicide labels. Cost is around $15 to $45 per application.

Grub control

Grass type: Cool-season
Maintenance schedule: Early summer

Grass type: Warm-season
Maintenance schedule: Late summer

Grub worms, the larval stage of June, Japanese, and other beetles, feed on the tender root systems of lawns. Affected lawns exhibit browning and wilting patches.

To be certain that the culprits are grubs, Hentschel suggests that homeowners pull back the sod and look for white, C-shaped grubs. If they’re present at a rate exceeding 10 per square foot, they should be treated with a chemical pesticide.

Milky spore is an environmentally friendly way to control some species of grubs. When using insecticides, read and follow all label directions and water the product into the soil immediately. Cost is around $50 to $75 per application.

Patching

Grass type: Cool-season
Maintenance schedule: Early fall

Grass type: Warm-season
Maintenance schedule: Early summer

The best time to patch bare or thin spots in a lawn is at the start of the grass’s most favorable growing period. For cool-season grasses that means waiting until the hot, dry days of summer have given way to cooler fall temps.

Warm-season grasses thrive in summer, so it’s best to sow seeds at the start of that season. Hentschel says to buy only high quality disease-resistant seed with good germination rates, which by law have to be listed on the label. Cost is anywhere from $20 to $75, depending on the size of the areas to be patched.

Cleanup

Grass type: All
Maintenance schedule: Spring to fall

Although small particles of grass are fine to leave on the lawn, large piles that exit a side-discharge mower should be removed. Fallen leaves, twigs, and debris should be raked up regularly. In climates where it snows, it’s best to remove fall leaves before winter. A thick layer of wet leaves can smother a lawn if not immediately removed in early spring.

Download our free PDF worksheet for an easy-to-use seasonal maintenance task chart.

Douglas Trattner has covered home maintenance and improvement topics for HGTV.com, DIYNetworks, and the Cleveland Plain Dealer. During the 10-year stewardship of his 1925 Colonial, he’s upgraded the furnace, added insulation, replaced most appliances, and mowed his lawn every time but once.

Visit houselogic.com for more articles like this. Reprinted from HouseLogic with permission of the NATIONAL ASSOCIATION OF REALTORS®
Copyright 2010.  All rights reserved.

________________________________________________________________

Deb Cullen, CRS, GRI, ABR, e-PRO, SRES, RSPS, SFR

Century 21 Sunbelt, 725 Cape Coral Pkwy W, Cape Coral, FL 33914

deb@CapeDeb.com

www.CapeDeb.com

239.233.2322

Sign up to receive a free copy of the monthly newsletter click here

To remove your name from our mailing list, please click here

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State and National News:

 Taxes and Insurance:

 Cape Coral and SW Florida News:

 Real Estate Tips:

 Green News:

_____________________________________________________________________

Check out my new website at

www.CapeDeb.com

 

     ______________________________________________________________________

  7 Gardening Mistakes to Avoid 

   

Article From HouseLogic.com By: Oliver Marks
Published: March 15, 2010

Novice gardeners can get their landscapes off to a healthy start by heeding some tried-and-true tips from the pros.

Gardening is just about the simplest do-it-yourself home improvement work there is. If you can dig a hole, turn on a spigot, and snip a dead flower off a vine, you’ve got the basic skills down. Still, you do have to make some judgment calls, so it helps to know the ground rules, so to speak, that can help you avoid making some rookie mistakes.

Mistake #1: Making changes too soon

Take the excitement of buying a home, add a nice stretch of spring weather, and you get a lot of enthusiasm for doing yard work. That’s great; seize the day, but don’t jump into wholesale landscape changes, like pulling out plants or reorganizing the layout quite yet.

“That weed that you want to yank out in the spring might turn out to be a gorgeous fall-blooming vine,” says Gary Blondell, owner of Gary’s Gardens, a nursery in Severna Park, Md. Plus, it takes time to learn the landscape and figure out exactly what changes make sense.

Avoid this by: Living with the landscape for a full year, so you can observe it in all seasons.

Mistake #2: Planting too close together

You buy a wheelbarrow full of young shrubs and perennials and plant them in a pleasing arrangement. But if they look properly spaced now, they’re actually way too close together.

Unless you’re creating an evergreen hedge, when the idea is packing things tightly together, the immature plantings will grow into each other in a few years and struggle to compete for sun, water, and soil nutrients. You’ll either have to dig them up and transplant them-or possibly throw them away.

Avoid this by: Following the spacing requirements on the plant label-even though the results will look absurdly sparse at first.

Mistake #3: Planting without a plan

Putting in new garden beds without a long-term landscape plan is like tiling, painting, and wallpapering your house before you figure out your future remodeling plans: There’s a good chance you’ll have to undo your efforts in the near future.

Avoid this by: Drawing a simple, bird’s eye view sketch of your yard, and figuring out the rough location of any future construction-additions, patios, outbuildings, pools-so you can plant around them.

A good local nursery or home improvement store can help you with your design. Or you can hire a landscape designer to create a starter plan for as little as $250 to $500. Find a professional at the Association of Professional Landscape Designers (http://www.apld.com) or the American Society of Landscape Architects (http://www.asla.org).

Mistake #4: Neglecting the root ball

Even the hardiest plants need a little help getting their roots established in their new locations. But just turning on the sprinkler every day to douse the foliage isn’t enough to ensure that they get the nutrients and hydration they need. You have to get the water to a plant’s nerve center–the root ball below ground–or it’s going to be stunted or short-lived.

Avoid this by:Placing the hose near the root ball and setting the water to a trickle for about 20 to 30 minutes. Do this twice a week-more during hot, dry spells-for the first four to 12 weeks. Choosing the right irrigation system can help with this task while saving water (http://www.houselogic.com/articles/water-saving-irrigation-strategies/).

Mistake #5: Ignoring your yard’s sun conditions

Too many nursery shoppers pick plants based only on looks-not the growing conditions they need, which are almost always indicated on a label wrapped around the trunk or a marker pressed into the soil. “They put a sun-loving perennial under a dense tree or something that wants partial shade out in full-day sunshine,” says Blondell. “It looks great for about a week, and then it begins to die.”

Avoid this by: Watching the spot where you’re going to put the plant and estimating the amount of sun it gets over the course of the day during the growing season. To translate that to the language on plant labels, use this key:

 Full Sun 6 hours a day or more Part Sun/Part Shade 3 to 5 hours Shade Less than 3 hours

 Mistake #6: Misusing irrigation systems

An automatic irrigation system is a luxury that allows you to keep your landscape hydrated throughout the growing season with almost no effort. Unfortunately, with the wrong settings, it can also bring disease, root rot, and an untimely death to the plants in your landscape.

“People tend to set their systems to come on for 15 or 20 minutes each morning,” says Blondell. “That provides a nice saturation of the surface, but not a deep penetrating soak to reach the roots of large shrubs and trees.” And a deeper soak is better for the lawn, too, because it promotes deep root systems.

Avoid this by: Watering for longer intervals-say, 40 to 60 minutes-only two to three times a week. Check with the company that maintains your irrigation system for local recommendations.

Mistake #7: Not budgeting for landscaping during construction projects

Whether you’re building a house or an addition, the bulldozers that excavate the job and the pickups that park on the lawn will damage the grass, trees, and shrubs. And the new building configuration will call for new landscape plantings.

Unfortunately, homeowners don’t often include money in their budgets for this work. So you wind up with a beautiful new family room, screened porch, or solarium, with a few azaleas thrown in around the foundation as an afterthought.

Avoid this by:Allocating 10 to 20 percent of your construction budget to the landscape-both hardscaping and plants-or at least making plans to spend that money as soon as possible after the construction job is complete.

A former carpenter and newspaper reporter, Oliver Marks has been writing about home improvements for 16 years. He’s entering his second summer at his house and has big plans for upgrading its scraggly foundation plantings.

Visit houselogic.com for more articles like this. Reprinted from HouseLogic with permission of the NATIONAL ASSOCIATION OF REALTORS®
Copyright 2010.  All rights reserved.

______________________________________________________________________

 

Deb Cullen, CRS, GRI, ABR, e-PRO, SRES, RSPS, SFR

Century 21 Sunbelt, 725 Cape Coral Pkwy W, Cape Coral, FL 33914

deb@CapeDeb.com

www.CapeDeb.com

239.233.2322

To remove your name from our mailing list, please click here

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State and National News:

 Taxes and Insurance:

 Cape Coral and SW Florida News:

 Real Estate Tips:

 Green News:

_____________________________________________________________________

Check out my new website at

www.CapeDeb.com

 

     ______________________________________________________________________

 

The Pros and Cons of Condos……. 

Condominiums and townhouses offer an affordable option to single-family homes in most areas. But consider these facts before you buy. 

  1. Storage. Some condos have storage lockers, but usually there are no attics or basements to store belongings. 
  2. Outdoor space. Yards and outdoor areas are usually smaller in condos, so if you like to garden or entertain outdoors, this may not be a good fit. However, if you hate yard work, this may be the perfect option for you.
  3.  Amenities. Many condo properties have swimming pools, fitness centers, and other facilities that would be very expensive in a single-family home. 
  4. Maintenance. Many condos have onsite maintenance personnel to care for common areas, do repairs in your unit, and let in workers when you’re not home. 
  5. Security. Many condos have keyed entries and or even door attendants. Plus, you’ll be closer to other people in case of an emergency. 
  6. Reserve funds and association fees. Although fees generally help pay for amenities and provide savings for future repairs, you will have to pay the fees agreed to by the condo board, whether or not you’re interested in the amenity or not. 
  7. Resale. The ease of selling your unit is more dependent on what else is for sale in your building, since units are usually fairly similar. Single-family homes usually are more individual. 
  8. Freedom. Although you have a vote, the rules of the condo association can affect your ability to use your property. For example, some condos prohibit home-based businesses. Others prohibit pets. Read the covenants, restrictions, and bylaws of the condo carefully before you make an offer. 
  9. Proximity. You’re much closer to your neighbors in a condo or townhome. If possible, try to meet your closest prospective neighbors before making a decision.
Reprinted from REALTOR® Magazine Online by permission of the NATIONAL ASSOCIATION OF REALTORS®
Copyright 2005. All rights reserved.                        www.REALTOR.org/realtormag           

______________________________________________________________________

 

Deb Cullen, CRS, GRI, ABR, e-PRO, SRES, RSPS, SFR

Century 21 Sunbelt, 725 Cape Coral Pkwy W, Cape Coral, FL 33914

deb@CapeDeb.com

www.CapeDeb.com

239.233.2322

To remove your name from our mailing list, please click here

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State and National News:

 Taxes and Insurance:

 Cape Coral and SW Florida News:

  • Cape Coral at top of the list for affordable housing   Read more…
  • Lee County looking up, but a long way to go   Read more…

 Real Estate Tips:

 Green News:

_____________________________________________________________________

Check out my new website at

www.CapeDeb.com

 

     ______________________________________________________________________

  10 Ways to Make Your House More Salable……. 

1.      Get rid of clutter. Throw out or file stacks of newspapers and magazines. Pack away most of your small decorative items. Store out-of-season clothing to make closets seem roomier. Clean out the garage.  

2.      Wash your windows and screens to let more light into the interior.  

3.      Keep everything extra clean. Wash fingerprints from light switch plates. Mop and wax floors. Clean the stove and refrigerator. A clean house makes a better first impression and convinces buyers that the home has been well cared for.  

4.      Get rid of smells. Clean carpeting and drapes to eliminate cooking odors, smoke, and pet smells. Open the windows.  

5.      Put higher wattage bulbs in light sockets to make rooms seem brighter, especially basements and other dark rooms. Replace any burnt-out bulbs.  

6.      Make minor repairs that can create a bad impression. Small problems, such as sticky doors, torn screens, cracked caulking, or a dripping faucet, may seem trivial, but they’ll give buyers the impression that the house isn’t well maintained.  

7.      Tidy your yard. Cut the grass, rake the leaves, trim the bushes, and edge the walks. Put a pot or two of bright flowers near the entryway.  

8.      Patch holes in your driveway and reapply sealant, if applicable.  

9.      Clean your gutters.  

10.  Polish your front doorknob and door numbers.  

Reprinted from REALTOR® Magazine Online by permission of the NATIONAL ASSOCIATION OF REALTORS®
Copyright 2005. All rights reserved.                        www.REALTOR.org/realtormag           

______________________________________________________________________

 

Deb Cullen, CRS, GRI, ABR, e-PRO, SRES, RSPS, SFR

Century 21 Sunbelt, 725 Cape Coral Pkwy W, Cape Coral, FL 33914

deb@CapeDeb.com

www.CapeDeb.com

239.233.2322

To remove your name from our mailing list, please click here

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8 Steps to Getting Your Finances in Order……. 

Develop a family budget. Instead of budgeting what you’d like to spend, use receipts to create a budget for what you actually spent over the last six months. One advantage of this approach is that it factors in unexpected expenses, such as car repairs, illnesses, etc., as well as predictable costs such as rent. 

Reduce your debt. Generally speaking, lenders look for a total debt load of no more than 36 percent of income. Since this figure includes your mortgage, which typically ranges between 25 percent and 28 percent of income, you need to get the rest of installment debt—car loans, student loans, revolving balances on credit cards—down to between 8 percent and 10 percent of your total income. 

Get a handle on expenses. You probably know how much you spend on rent and utilities, but little expenses add up. Try writing down everything you spend for one month. You’ll probably see some great ways to save. 

Increase your income. It may be necessary to take on a second, part-time job to get your income at a high-enough level to qualify for the home you want. 

Save for a downpayment. Although it’s possible to get a mortgage with only 5 percent down—or even less in some cases—you can usually get a better rate and a lower overall cost if you put down more. Shoot for saving a 20 percent downpayment. 

Create a house fund. Don’t just plan on saving whatever’s left toward a downpayment. Instead decide on a certain amount a month you want to save, then put it away as you pay your monthly bills.

 Keep your job. While you don’t need to be in the same job forever to qualify, having a job for less than two years may mean you have to pay a higher interest rate. 

Establish a good credit history. Get a credit card and make payments by the due date. Do the same for all your other bills. Pay off the entire balance promptly.

Reprinted from REALTOR® Magazine Online by permission of the NATIONAL ASSOCIATION OF REALTORS®
Copyright 2005. All rights reserved.                        www.REALTOR.org/realtormag           

______________________________________________________________________

Deb Cullen, CRS, GRI, ABR, e-PRO, SRES, RSPS, SFR

Century 21 Sunbelt, 725 Cape Coral Pkwy W, Cape Coral, FL 33914

deb@CapeDeb.com

www.CapeDeb.com

239.233.2322

To remove your name from our mailing list, please click here
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