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How to Save Money on Your Apartment Rental

  • June 14, 2021

For renters of all backgrounds, you probably know how much of a hassle saving your income can be. Apartment renters who have to deal with making ends meet can sometimes be pressed for cash. Saving money may seem like a never-ending cycle, especially if you do not know how to budget accordingly. 

Thankfully, saving money is much more feasible than you might think. With a bit of responsible budgeting and patience, you can easily save money for apartment rentals. As long as you manage your finances through a long-term plan, you’ll be able to keep your costs low for the foreseeable future. 

Check out this following guide on how to save money on your next apartment rental:

Income Report 

When saving money on your apartment rental, you need to assess all your income sources. For example, your salary and any other monthly income should be recorded down on a document. Then, take a look at your general expenses each month. Since rent will be a major part, record any other present expenses in this document. 

This document is what financial experts describe as an income report. Although this report won’t directly save you money in the short term, organizing the figures is crucial. It gives you a direct insight into how much you are making, versus how much you are paying. Plus, you’ll be able to see the things currently being paid for that you don’t really need!


While splitting rent can be somewhat hard to do on your own, it doesn’t have to be that way forever. An easy way to significantly cut down on your rent payments is to find a roommate. Roommates are a sure-fire way to help you manage costs. The more roommates you have, the more help you'll get in splitting the apartment rental. 

In order to find a roommate, you’ll have to put out an advertisement on an applicable website, such as Craigslist. Then, be sure to get familiar with the potential candidates. You should always select a roommate that you are comfortable living with. That way, potential disagreements can be mitigated. The last thing you want is an unreliable roommate who can't pay the rent on time!

Lease Negotiation 

At some point, the lease of the apartment will eventually be brought up. This agreement is a legal means of allowing you to rent the apartment accordingly. Leases can be signed in a variety of terms, depending on your needs for the short and long term. For long-term leases, it may be wise to negotiate at the time of the lease’s renewal. 

It helps to be a good tenant when living in an apartment. The rapport you build with your landlord can go a long way in potential negotiations. Once the renewal time approaches, use this to your advantage in negotiating lower rent costs. Any little reduction can go a long way to saving money! 

Parking Space & Commuting Alternatives 

If you have a vehicle, you probably know how pricey the car can end up being. To save money in the long run, consider selling your vehicle. This allows you to give up your parking space to the apartment, which can tack on additional costs to your rent. Try to offer this to your landlord in exchange for reduced rent. 

While you are at it, it might be better in the long term to use various transportation methods to move around. Owning a vehicle can be a pricey investment, especially if you have troubles in saving money. If selling your car is at all possible, take a look at other commuting modes available. 

For example, busses are always running in abundance. Or you can try taking the subway to work each day, so long as you time it right. Since there are so many methods of transportation available, you’d be surprised as to how easy saving money can end up being. 

Apartment Rental Tips

There are other tips and tricks to help you save money on your apartment rentals:

  • Winter Rental: Renting an apartment in the winter could be beneficial. The summer season can bring higher costs of rent due to college graduates flooding the market. Finding an apartment in the winter can be much better financially speaking. 
  • Private Rental: Instead of living in an apartment that is run by a corporation, private apartment rentals could work out better. Whether they are owned by a family or third-party, lower rent costs are much more realistic to discover here. 

New Location: Finally, it might be time to find a new location altogether, if monthly rent ends up being challenging to meet. Take your time to research new markets in various areas, and don’t forget to seek out professional help if needed!

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Buying A Property Before 30 Tips And Tricks

  • May 21, 2021

Many people consider buying a home before 30 to be beyond their reach. It is harder than ever to get onto the property ladder, but with some planning, careful saving and dedication, it is possible. You should make a thorough plan of your finances and be ready to make some sacrifices.  

Move Back In With Your Parents 

If you can, moving in with your parents is an excellent way to save money. Explain to them that you are saving to buy a home and see if they will let you live there rent-free or low rent.  

Choose A High-Interest Savings Account 

Shop around to find a savings account with the highest interest rate. You should look for an account that offers 3 – 5% ideally. You should keep your savings separate from your monthly spending money.  

Cut Out Unnecessary Spending  

You should limit socializing, eating out and clothes shopping. Each time you are tempted to buy something unnecessary, put that money into your savings account instead.  

Track Every Penny 

You should know where all of your money goes each month. Use a budgeting app or budget template to record what you spend and identify where you can save.  

Consider Low Deposit Mortgages 

Look into low deposit mortgages like FHA loans. These allow you to get a mortgage with a deposit of 3.5%, making it easier to buy your home before 30. Check out this information on FHA from the Home Loan Expert for more details.  

Switch From Brands To Generic 

You should cut costs on your regular spending by switching from branded goods to generic. Most food products will taste the same, and you can make significant savings this way. Consider doing this with most items on your grocery list.  

Go Thrift Shopping 

If you need new clothes, thrift shops can be the perfect place to find a bargain. Only replace items if you need to, and shop around to find high-quality replacements in thrift stores.  

Choose The Right Location 

You should choose a location you can afford to buy a home in. Do some research into property prices in different areas and visit them yourself to explore. Decide if the neighborhood, amenities and transport links are suited to your needs.  

Become Debt Free 

Pay off your debts before applying for a mortgage. You should pay more than the minimum amount on credit cards or consider consolidating your debts into a lower interest loan.  

Consider A Smaller Property 

Buying a smaller property requires a lower deposit which will get you on the property ladder sooner. You should look into apartments and smaller houses if you live alone. A smaller property will have lower monthly repayments meaning you can save more to move further up the property ladder.  

Move Up The Career Ladder 

You should have a set career path and work to move ahead. Take a course that can improve your employability and apply for jobs with higher salaries or greater progression opportunities.  

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4 Home Loan Programs For Military Members And Veterans

  • April 30, 2021


All qualified military members and veterans of the United States (US) armed services may avail of the Department of Veterans Affairs (VA) Home Loan programs. VA-backed loan programs can help military members, veterans, and their families to create, refurnish, and renovate a house. 

Choosing A Loan Program

The VA home program for military members and veterans doesn’t exempt them from the requirement of providing proof of income and the required credit score to avail of a loan. What it does, though, is they can get better conditions compared with what they could with a traditional lending system from a mortgage firm, bank, or federal credit union. Here are the available programs:

VA Home Loan Program

The VA home loan program is already more than 75 years old, and it can be availed of to buy, to build, or to refinance a home. It can be taken by almost all service members and veterans as long as they’re not disqualified. It can save the borrowers tens of thousands of dollars compared with home loans from commercial banks.

One of the biggest advantages of the VA home loan program is you don’t have to make an initial payment when you buy a home as long as your loan doesn't exceed the loan limits. But even the advantage has been expanded further by a new law removing any limits for any veterans who are eligible for the full VA loan entitlement.

In 2019, the Blue Water Navy Vietnam Veterans Act was passed into law, removing the loan limit maximums previously imposed on veterans in some parts of the country. 

Before the Blue Water Navy Law, borrowers were able to get higher loan amounts. But because of the bounds on the amount the VA could guarantee, the borrowers who exceeded the limits were required to make a down payment equivalent to 25% of the portion of the loan which represented the excess of the sales price from the maximum availability.

Different VA Loan Types

Various VA loan types are being offered to eligible military members and veterans. Here are some of them:

Purchase Loan

A purchase loan is a VA-backed loan helping a military member or veteran looking to purchase a loan and to get terms better than those being offered by any private-lending loan. 

Interest Rate Reduction Refinance Loan (IRRRL)

If you have an existing VA loan, you can avail of the Interest Rate Reduction Refinance Loan (IRRRL). This loan program can help you decrease your payments through a change in the interest rate structure of your VA-backed loan or by getting a refinance of your current home mortgage loan.

Native American Direct Loan (NADL) Program

The Native American Direct Loan (NADL) program is offered to Native Americans who are eligible military members or veterans of the US armed services. They can take a loan under the program to have a home on federal land.

Cash-out Refinance Loan

If you’re a military member or a veteran and you’ve already paid a significant sum of money on your home loan, you can avail of the cash-out refinance loan program out of the equity from your VA-backed loan. Most borrowers use this to pay debts, school tuition fees, or to make further home improvements.

State-based Home Loan Programs

Aside from the VA Home Loan Programs, several American states are also offering home-loan programs to both current and former service members of the US armed forces.

Eligibility rules differ from one state to another, and the requirements sometimes differ, too. Most state programs include limits on income and prices of property. Some states also impose other requirements which have nothing to do with military service.

There are state-based veteran housing benefits in the following states:

  • Alaska, California, Nevada, New York, Texas, Washington
  • Indiana, Maryland, Massachusetts, Mississippi, Oregon, Wisconsin
  • Missouri, Nebraska, Ohio, Tennessee, Utah
  • Georgia, Florida, North Carolina, Pennsylvania

Even surviving spouses can avail of a VA home loan program. A new law has extended the VA loan eligibility to the surviving spouses of military members and veterans of the US armed services.

The Honoring America’s Veterans and Caring for Camp Lejeune Families Act (H.R. 1627) has made the widows and surviving spouses of military members and veterans, eligible for VA direct and VA-backed home loans. The new law qualifies the surviving spouse as long as the veteran was rated disabled and eligible for compensation before dying. The death can be of whatever cause. 

VA Program For Homeless Veterans

The VA also has a separate program for veterans who are homeless or who are at imminent risk of homelessness. If you know a homeless veteran or already at imminent risk of becoming homeless, you can tell them to contact the National Call Center for Homeless Veterans for assistance. They have a toll-free number (877) 4AID-VET (877-424-3838). In this way, they can be properly accommodated and taken care of.

Eligibility Requirements

To be eligible for the VA Home Loan programs, borrowers must meet the following requirements:

  • Certificate of Eligibility (COE)
  • Credit Score which qualifies for a home loan. Military members and veterans don’t need to have a perfect credit score. Borrowers who had credit scores of somewhere between 680, 700, and 720, were able to get VA loans and VA-backed loans with substantially lower interest rates. On average, VA borrowers obtain a credit score above 700. This is higher than those of most average civilian borrowers.
  • There are different service requirements, depending on the service branch of the borrower, the years in active-duty service, years in service including those in the Reserves or National Guard, and days of active service during peacetime.

Housing The Heroes

The VA Home Loan program was designed to help military members and veterans of the US armed services get a home loan. The programs are intended to make it as easy as possible for all qualified military members and veterans to get an affordable home mortgage loan. Some of its most advantageous features include no down payment, low interest rates, and low monthly payments.

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3 Benefits of Owning a Vacation Home

  • April 28, 2021


For most, owning a vacation home is a distant dream but for many it is a happy reality and not as difficult as most people think. However, a lot of work goes into owning a vacation home such as management if you plan to rent it out, strict maintenance in some places, and ground rent should it be located on a park, for example.

Apart from the advantage of having somewhere to vacation for free, there are other benefits of owning your own vacation home. Many are located in rural and scenic areas that are a joy for anyone who visits and an important factor when deciding what to buy, but some of the other benefits of your brown vacation home are:

  • Home away from home
  • Property trading
  • Financial gain

Having a second home means that you always have somewhere to go whenever things get tough and you need to unwind a little while many other vacation homeowners are willing to temporarily trade spots, allowing you access to more of the world and you can make some good money renting out a vacation home. 

Get Away from it All

At some point or other, almost everyone wishes they could just get up and leave, if only for a small respite when the pressures of life become too much. As a vacation homeowner, you have access to that privilege that most people in large cities would sell one of their kidneys for. 

No matter your job or your family life you will need a break sometimes, and owning your own vacation home puts you into a very privileged position, and with many people working from home because of Covid, there's no reason why you can’t do it from your vacation property, making the most out of a bad situation.

Travel Around for Free

A common practice between people who own their own holiday spots is to trade with each other. This is an exceptional idea that affords you the opportunity to see more of the country in which you live or even the world. This is especially good for those who don’t rent out their property for tax reasons but can still get an essentially free holiday somewhere else. 

Even the coziest properties managed in places such as Brush Prairie, WA might get old after a while so you could swap for a beach house in Kissimmee, FL if only temporarily, which is an excellent method of essentially being able to stay in other destinations for free.

Short and Long Term Gain

One of the main reasons people purchase a vacation property is so that they can rent it out as a holiday spot for others. This has both short-term and long-term financial gain as you can make money from the holiday charges as well as the value appreciation of the property itself. Renting a vacation home to others comes with large responsibilities however as well as its own expenses. 

Safety, rental agreements, and expensive management bills are part of running a vacation home and you should also be aware that tax deductions cannot be applied to any second homes that are rented out for more than 2 weeks out of the year.


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How to Become Leasing and Development Space Provider

  • April 26, 2021

The real estate development industry is growing at a swift pace. That's the primary reason why so many people are trying to get into this field. Although it seems that anyone who has the money can become a developer, things are a bit more complex. 

Formal knowledge in real estate is not always necessary, but knowledge of the market is a must. You cannot go into the unknown and hope for the best. Property development is profitable yet risky business, and much money goes into these projects. Developers need to know what they are up to. 

You can learn more about risk management in this field from the following source: 

It does not matter whether you want to develop residential homes, apartment complexes, or retail properties. You can learn how to become a real estate developer from scratch. It might take a while, but if you have a good understanding of the real estate market, economics, and legal regulations, you are on the right path.

Obtain Funds

Having the will to do property development is a good fresh start. But before you start realizing your dream, you should consider your borrowing capacity. The initial step is to know the project's scale and current financial position. It includes liquid assets that you have, those you can borrow, and those you can pledge to get a loan.

You will know the exact calculation of how much money you need to start after you determine a few things. It will depend on whether you work alone or in collaboration with other investors. Next, you should know your borrowing capacity. Based on that, you'll be able to determine your equity or cash contribution.

Experience in Real Estate or Construction

Stepping into the property development industry without any prior knowledge is the hardest path one can choose, but it is not impossible. If you do not have time to get a formal education, you should find some appropriate course or a tutor.

 If you are already in the industry, you have good prerequisites for becoming a great entrepreneur. Real estate agents, constructors, or people who have already worked for property development companies often decide to take this step. They have good basics, which they will further polish and improve by learning.

Have Some Marketing Skills

One of the key ingredients to becoming a successful real estate developer knows how to market your development. With this in mind, you will need to learn how to communicate with local brokers, property managers, and potential buyers and tenants so that you will know how to attract them.

You must know how to develop both on and off-market strategies. Once you find great deals that are not available to everyone (not advertised for sale), you can get a great advantage in the negotiating process. More on types of property developers find on this source.

What To Consider When Hiring A Resume Writer

Be Good Learner

One of the best ways to become a real estate developer is through internships. Suppose you have a strong sense of adventure and creativity. In that case, this short-term work experience can bring you valuable experience while gaining the skills you need to develop a successful real estate venture. 

Being an intern is only the first step of the process. You can work as an assistant to a real estate developer or anything that revolves around real estate development. But you have to be willing to take the necessary actions to move forward. A strong desire to learn more and be ready to devote yourself to gain knowledge and skills will give you a tailwind.

Property development is a field of life-long learning. It requires and involves many disciplines, and each project has unique requirements and specs. There is a high chance that you will run onto something new with every job you take, so you must be a good learner to handle all that.

Work on Your Network

Another step on how to become a real estate developer is to have strong support. In order to be successful, you must have a lot of people behind you. These people include your closest ones, but also business partners and investors. You have to create your network, which will be an excellent way to grab some great deals.

The real estate industry is highly diversified. It means there are different types of real estate agents, property managers, architects, and others involved with the site, products, and projects you're interested in. If you want to succeed in property development, you need a vast knowledge of these various types of people and their services. 

By networking and learning about local real estate agencies and brokers, you will be able to better serve their needs, which will give you more opportunities to develop new projects. Having a great network of associates can be a crucial aspect of becoming successful in this career.

Work on Your Portfolio

One of the most important things to remember is the importance of an updated portfolio. It will serve as a reference for those who might be interested in investing or leasing your properties. You can boost their interest by always having an updated and informative portfolio. It will give potential clients and business partners a better understanding of your capabilities and offers.

Before closing any deals, make sure that you have enough money set aside for them. Build up a business plan so that everyone understands everything that you have been through during your years of real estate investing. 

As Douglas Ebenstein - professional retail leasor suggests, do not be afraid to change some aspects of it if they are not working. For example, if the market is down, you can reduce the number of condos you are selling and increase the rent. Being flexible and realistic is important to ensure that you have a successful real estate development business.

You should understand that success in property development is not guaranteed if you have nothing but money. But it will be if you are willing to work hard for it. People who have a strong mindset can learn how to become real estate developers and enjoy a profitable career.

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3 Ways To Secure A Buyer On Your Home

  • April 23, 2021


How to Choose the Right Real Estate AgentSelling your home can be a very time consuming experience, especially if you aren’t having much luck securing a buyer. Of course, buying a home is a huge decision, and if you put yourself in the position of the potential buyer, you will understand how deciding to buy your home is a step that must be taken cautiously.

As the seller, there are things you can do to secure a buyer on your home more quickly and easily. Making a good first impression on potential buyers can be tricky, but with this blog you will discover three easy ways to make your home super appealing to buyers.

Are you moving house? If you are searching for homes available in Jacksonville, visit for more information!

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3 Ways To Secure A Buyer On Your Home

  • April 21, 2021


Selling your home can be a very time consuming experience, especially if you aren’t having much luck securing a buyer. Of course, buying a home is a huge decision, and if you put yourself in the position of the potential buyer, you will understand how deciding to buy your home is a step that must be taken cautiously.

As the seller, there are things you can do to secure a buyer on your home more quickly and easily. Making a good first impression on potential buyers can be tricky, but with this blog you will discover three easy ways to make your home super appealing to buyers.

Are you moving house? If you are searching for homes available in Jacksonville, visit for more information!

Have your home professionally cleaned before viewings begin.

One thing that appeals hugely to potential home buyers is a beautifully clean space. Viewing a home is all about seeing the prospects in the place - can they envision themselves living there? Is the place immediately appealing the moment you walk in the front door? 

A spotlessly clean home can really stand out for viewers, because it will make the home seem newer, more beautiful and more spacious too. 

This tip is especially helpful if you are holding open-house events - in these events, many people arrive at the home and view it on the same day. Investing in professional cleaning is advised in these instances - it will instantly raise the profile of your home.

Make small improvements to the home before it is listed.

Anticipating the needs of your buyer is crucial if you want to close a sale quickly. Making small improvements to the interior and exterior appearance of your home can be a game-changer; these don’t need to be extremely costly, either!

Some useful improvements to make include:

  • Painting over chipped, stained or worn paintwork in the interior of the home.
  • Pressure-washing the outside of the home to remove mold, dirt and pollution staining.
  • Removing excess clutter from the home itself, to provide a more attractive interior setup.
  • Clearing and neatening backyards and front porches/yards to ensure a good first impression.

These simple improvements can transform the experience of a potential buyer when they first view your home, enabling you to secure a deal rapidly.

Present the home in a neutral fashion

Lastly, presenting your home in a neutral fashion is bound to get good results. If you have quite an “out-there” personal taste, it can be easy to scare off buyers if your home is presented in a very niche style that doesn’t suit everyone.

By presenting your home neutrally, as a place where anyone could live, not just you, you are putting your best foot forward when it comes to attracting buyers. 

Final Thoughts

When selling your home, the longer it takes to sell, the more stressful the whole experience becomes. Try these three tips for a successful, fast home sale with minimal fuss and maximum results!

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5 Features to Look For When Purchasing a Home

  • April 6, 2021

Undoubtedly, the process of buying a home is one of the most challenging things to do. From finding the right realtor to finding the best home that suits your needs, there are so many things to consider as you look for a house you can call home for years to come.

While buying a home is essentially about looking for a place you’ll feel comfortable to live in, you also want to count in other factors that will impact your whole lifestyle and situation. Take a look at these five things when planning on purchasing a home: 

1. What kind of mortgage do you want to be paying?

When looking for a home, there is something that will make a difference in your life, and that is the lender you choose. Don’t just choose the first thing that comes your way as there will be a variety of options that could work best for your specific needs. Whether it’s an FHA loan or home refinance for veterans, take time to shop around for the biggest commitment in buying a home. 

2. Do you plan on having kids or do you have children already?

Do you have kids or are you planning on having some in the future? If so, another factor that you want to consider is where you’ll be living and its proximity to schools, and not just any school, but good ones where you would want your child to attend. In some places, this could mean buying a home a bit further from a trendy neighborhood in your city but if your child’s academics are high on your list of priorities, this could be a great decision to make. 

3. Is your pet one that would love a place to run? 

For many people who have pets, the animal is a part of their family and if that’s you, you’re probably looking for a place that would be ideal for your pet. For some people, this simply means looking for a home with a yard. For others, that yard has to have some requirements. For example, you may find a beautiful home at the edge of the woods in your area, which is great for a peaceful living experience but perhaps your region is well-known for coyotes that could see your Frenchie as a delightful meal. So, when considering your future home, think about your favorite fur-baby. 

4. Are you all about being out and about or do you like privacy? 

If you want to be near where “it’s” happening, you’re bound to be looking for a home in a trendy spot. Or, maybe you’re looking for a bit more privacy in the hills, away from the hustle and bustle of the downtown area of your city. In many cases, you could find the perfect home in a wonderful area, for the price you want. At times, if you’re set on living in a popular area, you may find that the cost is a bit too high. When it comes to location, it can be a hit and miss as far as the house having all the right components. You may need to sacrifice on the price you’re willing to pay or the exact location you were looking at. Consider the idea of buying a few blocks down from the popular neighborhood, so you get the proximity to the “scene” without the hefty price tag. 

5. What type of condition are you looking for? 

Consider what you’re willing to fix up or if you’d rather just buy a home that is ready to go as is. In some cases, you could find a home that needs some fixing up but the location is perfect and the price suits your budget. If that’s the case, it could be a great decision for you, as long as the repairs are affordable and doable. 

In Conclusion

Buying a home is more than just purchasing a house. It’s about the neighborhood, size, amenities, and so much more. Take some time to consider what matters most to you when “shopping” around



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How To Get the Most From Your Kitchen

  • April 1, 2021

Get the Most From Your Kitchen

Homeowners frequently use the kitchen. Meals and snacks, whether fancy or simple, take time and demand cleanup. This time is less cumbersome when the room is designed efficiently. If you have tight quarters, you may not think it's possible to get more from the space. It's possible, though, that tweaks in the organization could open up more options and enhance the area's appearance. Consider the following four changes.

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The Unmistakable Benefits of Downsizing Your Home

  • March 23, 2021

Have you ever felt like your house is just a bit too much to handle on your own? Do you feel like your home is starting to take forever to clean, or maybe it’s feeling a little empty because your children have moved out already? There are loads of situations where you might want to consider downsizing, but what exactly are the benefits of it? Should you downsize to a smaller home, or is it more of a cost-saving measure that you should only consider if you’re in a bad financial situation?


In this post, we’ll be looking at some of the unmistakable benefits of downsizing your home and why you might want to consider it.

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