June 23 2020

Simpson Strong Tie Launches Their Build a Stronger Deck Series on YouTube

by racheal

Build a Better Deck Series Simpson Strong Tie

The world leader in structural product solutions, Simpson Strong-Tie, has recently launched a video series directed toward both homeowners and contractors on how to build a strong deck. This educational series is featured on YouTube and covers how to easily build a stronger, safer deck that will endure life’s everyday conditions.

 

Simpson Strong-Tie is best known for creating structural solutions and technology that assist people in constructing safer and stronger homes and buildings. They provide several useful products in the residential and commercial construction industry such as structural connectors, fasteners, fastening systems, lateral-force-resisting systems, anchors, software solutions, and product solutions for repairing, protecting, and strengthening concrete. In the last two decades, Simpson Strong-Tie has expanded with products for infrastructure, commercial, and industrial construction.

 

With more people at home during this time and more time on their hands to work on projects around the house, the Build a Stronger Deck video series is the perfect solution for those looking to complete their “honey-do-list.” This series goes over the appropriate options and standard solutions for safe post bases. The second episode in this exciting series covers deck ledger installation and is followed by a string of engaging content that reviews good to know tips such as how to install beams, joists, guard posts, stair stringers, and deck boards.  The last episode in Simpson Strong-Tie’s YouTube video series will discuss the selection process of choosing the best anchors and fasteners to attach hangers, joists, and angles to deck ledgers and railings. 

 

Simpson Strong-Tie is airing brand new episodes of the Build a Stronger Deck series on their YouTube channel throughout the summer. With the tips and tools you receive from tuning in to these detailed videos, you’ll have your new deck up just in time to fire up the grill this summer and enjoy the fruits of your labor. You can also take a look at deck center on their website for more in-depth information and content such as ideas and inspiration, the planning and building process, and safety and maintenance to ensure that not only your deck looks aesthetically pleasing, but that you have taken all of the necessary precautions to ensure that it is safe and sturdy.

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April 4 2020

Six Simple Home Projects to Work On While Social Distancing

by racheal

 

With the current pandemic of COVID-19, many have more time on our hands than ever before while being at home. Although eating all of the quarantine snacks and watching every series Netflix has to offer may seem like a great idea, there may be a few other options to keep you occupied while you await further instruction. Tackling your “honey-do list” is a great idea when you’re in search of a project that will occupy your time and also add value to your home. The lines may be a little more bearable at your local hardware store compared to the grocery store right now and you can always order supplies online to be delivered right to your door. Just remember to sanitize anything that gets delivered and handle with care. Here are a few simple home projects to work on while you are practicing social distancing.

 

Add curb appeal

 

Start a small garden in your front yard, paint the steps of your porch, or lay down a brick border along your cement sidewalk or driveway. You can also add a coat of paint to your front door along with upgraded hardware to really make your home stand out to the naked eye.

 

Start a garden

 

Adding a garden of beautiful flowers is the perfect way to brighten your mood during these uncertain times as well as pass the time away. It’s a project that will always keep you busy with maintaining the life of plants and even some fruit and vegetables not to mention fewer trips to the grocery store. 

 

Upcycle old furniture

 

If you have been stashing away those garage sale finds or maybe have a few pieces around your home that need to be updated, now is the time to put in a little elbow grease. The possibilities are simply endless. You could add a coat of paint and new knobs to an old dresser or reupholster an antique accent chair. Revamping just a few pieces in your home can change the entire look of a room or two.

 

Install new house numbers

 

Add a little flair to your address numbers on your home by making them unique. Visitors won’t have any issue finding your home with custom house numbers that differ from your neighbors. You can choose to add color or maybe different style font or enlarge them.

 

 

Paint a room or add an accent wall

 

Social distancing in a home full of plain white walls can be a drag. Grab a bucket of paint and make it a family project that even the kids will enjoy. You can paint one wall to serve as an accent wall or an entire room with fun colors that will brighten up your day.

 

Patch up the drywall around your house

 

Between the family dog and lots of little ones running through the house, it’s safe to say that most homes have a few digs on the walls that tell a story. Take this time to patch up the drywall throughout the house so there are no more small holes and nicks exposed.

Break up the monotony and write a list of all of the things that need to be done around your home or list all of your dream projects and tackle them while you have a few extra moments of time. This is a great way to bond with your family members at home or to clear your mind and listen to your favorite music alone. Keeping yourself productive during this time is a great way to keep your mind at bay.

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March 20 2020

To Buy or Not to Buy? Is Buying a Home During the Coronavirus Pandemic a Good Idea?

by racheal

For sale sign in front of a new home

The Coronavirus also known as COVID-19 has many people up in arms across the globe and for good reason with over 13,000 known cases reported in the U. S. alone.  This virus has hit the economy in a major way with an interruption and even a complete halt of supply chain productions. Along with the travel industry and foodservice industry, this is bringing up concerns for the future of the real estate market during these trying times. Not even real estate is immune from the impact of the Coronavirus.

 

The Pandemic has affected everyone

 

Due to the urge of having to self-quarantine and the push for school closures across the U. S. for several weeks, many American workers have been forced to stay at home with their children, and many have been left jobless as a result of this. For those companies that do not offer the option or ability for their employees to work from home, many are left wondering how they will be able to pay their bills and feed their families in the coming months. Many small business owners have also seen a vast decline in sales with people remaining isolated.

 

Emotions are leading most decisions to buy real estate right now

 

With stats changing daily and many living in a world of uncertainty, it can be easy to question what to do with some of the biggest financial transactions such as buying or even selling a home. Although many people will have less money and less access to funds during this time, the real estate market has not yet been deeply affected as some may think. There is a slight decrease in both buyers and sellers due to the current state of the world right now based mainly on emotion. 

 

Some seem more optimistic and eager to buy while rates in the housing market are so low. Those willing to enter the housing market with high hopes have the benefit of low rates and are jumping on the opportunity pretty quickly. The housing stock will be more attractive to many than what it is to rent being that some are currently considering buying a new home to take in more family members during the time because of the effects of the pandemic.

 

There may be opportunities for price discounts for those buyers that choose to stay in the market during this time while others are pulling out allowing their emotions to get the best of them which is truly understandable.

 

What does the future of the real estate market look like?

 

There is a possibility that history can have its way of repeating itself. We can look at recent historical events such as the Swine Flu, SARS epidemic, and MERS and other aggressive Flu strains to get an idea of how the COVID-19 will affect the housing market in the coming months. History has shown that the housing market typically can remain stable during disruptions like these with only a slight fall in sales. Although this may be true, the economic impact of the pandemic COVID-19 is greater than the impact of SARS and others like it. It may take a little longer to see a significant rise in sales again when things finally begin to blow over.

 

As far as a long term outlook on the effects of the Coronavirus to the housing market, home prices may remain flat or creep up slower than they have since 2012. In short term, realtors are already seeing a decline of 10% in home sales due to loss of employment with citizens having to self-quarantine and make use of social distancing to reduce the risk of spreading this virus.

 

If you are on the fence about what your next steps should be during this very uncertain time, just know that you are not alone. The decision of whether or not to buy or sell during this time is simply situational. Take the time to weigh out the pros and cons and evaluate your current and possible financial situation to make the decision that is best for you and your family. The coronavirus will have a positive impact on the U. S. Real Estate market if the interest rates remain low and if you are willing to take the risk, right now is a good time to get your feet wet and experience more inventory, low-interest rates, and better pricing.

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March 2 2020

Must Have Home Design Trends in 2020

by racheal

Blue Kitchen Cabinets in New Home

The New Year more than likely brings about the desire for change in many areas of your life including your home. Trying to keep your décor up to date with what’s trending each year can be pretty stressful at times. Things change with the blink of an eye from furniture styles, paint colors, and even fabric choices. You may be tempted to make a few adjustments to your interior design as you journey through this year and we’d like to help give you an idea of what direction the popular design trends are going in 2020 and beyond. 

 

Painted Kitchen Cabinets

 

Have fun with color this year in one of your favorite rooms in the home, the kitchen. Choose an element of your kitchen such as the island or cabinets and go to town with a pop of color like dark red, navy blue, bright yellow, and even green.

 

Textured Wall Tiles

 

Adding textured tiles on the walls is a great way to add a little pizazz to your interior design. It adds character and personality to every room without overpowering it. Try adding an embossed title for a luxury look in your bathroom or some subtle texture as a kitchen backsplash.

 

Curved Furniture

 

Curved furniture such as headboards, love seats, and chairs are making a comeback this year with some of the throwback styles from the ’60s and ’70s of course with a modern touch. We are moving away from the more structured and rectangular shapes and moving toward gentle curves that will help to create a soft environment.

 

Dark Painted Doors

 

Say goodbye to those drab white or brown front doors that initially came with your home and say hello to a fresh paint job in 2020. The color black in either a satin or gloss finish gives your front entrance an elegant and classic look. Or try a nice deep blue hue to give your home a more vintage jazzy appearance that is sure to wow your guests. What a great way to make an entrance to the New Year.

 

Thrift Store Crafting

 

Although this is nothing new, repurposing thrift store finds is definitely a popular interior design trend that won’t hurt your bank account and adds a touch of personality to any room. Pick up a wicker chair and apply a few coats of spray paint or repurpose a preloved vase for a special touch to any room in your home.

 

Plant life

 

Beautifying your new home through the addition of plant life is continuing to be common in this year’s interior design trends. Adding live plants and flowers assists in providing personality and another layer of space in the home. It can also add a simple dash of color in drab spaces.

 

Mixed Metal finishes

 

Simple traces of mixed metal finishes throughout the home on things like doorknobs and sink features create a very simplistic accent to your home’s interior design.

 

Wallpaper

 

Painting the walls is not always everyone’s favorite option so adding wallpaper is a great go-to way to add color to the rooms in your home. In 2020 you can expect to see more pops of color through the use of wallpaper. You can expect to see the wallpaper in the form of botanical designs, metallic, and geometric patterns this year. Choose from a wide selection of designs and place your wallpaper on your bathroom walls, ceilings, walkways, and even use it for accent walls in bedrooms and living spaces.

 

Kitchen Islands

 

Kitchen islands have become very popular over the years and allow for more space for both dining and meal preparation as well as allow for ease with the entertaining of guests while still being the life of the party. This has become a common focal point in the kitchen space and a must-have feature in almost any home. 

 

However you choose to decorate your home this year, be sure to do it with love and don’t hold back on your creativity. Your home’s interior design is an expression of your personality.

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February 12 2020

Enjoy a Beachside Life of Luxury at South Cove by Zephyr

by racheal

South Cove open floor plan with beach views in Dana Point California

South Cove is one of Dana Point’s newest communities with luxury must-have amenities and a prime location you do not want to miss out on! This high-end development made up of 168 luxury flats offers up to 3 bedrooms, 4 bathrooms, and up to 2,038 square feet of living space perfect for entertaining guests or simply spreading out. Enjoy the simple convenience of being within distance of all of what sunny Dana Point, CA has to offer. Dip your toes in the cool waters of Doheny State Beach or Dana Point Harbor. Learn and explore at the Dana Point Headlands Conservation Area where there are over 150 species of native coastal plants and animals. Westwind Sailing offers safe boating and sailing education for the general public. You’ll easily find yourself living an active lifestyle while walking, biking, and rollerblading on the many trails in the area.

 

The standard community features in each floor plan at South Cove including exterior styling with dual-glazed white vinyl, Low-E windows, the option of balconies, patios, and roof decks per plan, and Boral fire resistant flat concrete tile roofing. The interior amenities include quartz countertops in the kitchens and bathrooms, Decora rocker light switches, recessed lighting at select locations, USB ports at the kitchen and all bedrooms, and pre-wire for ceiling fans in the living room and all bedrooms. The gourmet kitchens come equipped with GE Profile Series gas stainless steel cooktops, stainless steel pyramid hood, built-in single convection wall oven, and a counter depth side by side stainless steel refrigerator. Your brand new kitchen will also come with a heavy-duty garbage disposal and a kitchen island with bar top seating.

 

South Cove’s Luxury Home Designs also offer energy-saving features that are truly beneficial to your way of life. Central forced air heating and cooling, Low Flow toilets and showerheads, and temperature-balancing shower valves will all save you energy and lower your monthly bills. You will also find fluorescent lighting in the kitchen and garage, weather stripping on all living area exterior doors, and energy-efficient gas hookup at the laundry room dryer location.

 

Zephyr is an extraordinary development company with a commitment to sustainability and a history of bringing to life some of the most innovative ideas. Zephyr was named Best Builder in Ranch & Coast Magazine. The Park, Bankers Hill, and South Cove won multiple gold and silver awards at the NAHB Nations in February of 2019. Zephyr takes a fresh approach to the environments they create and strays away from designs that fall in the box of being simple or ordinary. Look for your next new townhome in Orange County at the beautiful beachside community of South Cove by Zephyr.

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February 6 2020

February Realtor of the Month: Liana Norman

by racheal

Liana Norman Orange County Realtor of the month in Dana Point

Our February realtor of the month is Liana Norman, broker-associate for Liana Norman & Associates and our Real Estate Market Expert for Dana Point, CA.

 

Liana prides herself on going above and beyond for all of her clients in the South Orange County area. She is knowledgeable in all fields of real estate and keeps clients informed in the marketplace using the latest statistics in the local area.

 

Liana has been in the top one percent of Realtors in Orange County for years. She began her career in 1985 working in the lending industry and transitioned into working in escrow and property management in 1987. While working in San Clemente, Liana obtained her real estate license in 1989. Partnered with realtor-associate Dusty Janisch, Liana has made over $260,000,000 in sales since 2000.

 

Liana’s main objective is to work diligently to assist her clients with meeting their real estate goals whether they are buying or selling. If you are in search for the perfect new home near Orange County, be sure to contact Liana Norman with Liana Norman & Associates for all of your real estate needs.

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February 5 2020

Millennials Are Dominating the Real Estate Market in 2020

by racheal

man holding a drink on a couch

Millennials are the next generation of home buyers that are making a wave in the real estate market this decade. They are the largest U. S. generation ever and are definitely making an impact. Millennials are expected to buy more homes in the next year than both Generation X and baby boomers combined. With lessons learned from previous generations, this group of tech-savvy adults has come to make decisions with a very different perspective. 

 

Despite the popular belief that millennials are less likely to invest in purchasing homes with their overbearing student loan debt and love for Starbucks, they are taking homeownership to a new level. Millennials were the most dominant buyers in 2019 and will play a large role in the coming year as well. In 2016, adults 36 years old and younger accounted for the largest portion of homebuyers at 34 percent. Millennials make up 56 percent of first-time homebuyers according to Zillow.

 

Rent prices are continuing to rise and more times than not, a mortgage may turn out to be much more affordable for a 30 something adult. This generation is taking its time and planning accordingly when it comes to their first home purchase. We are seeing many millennials becoming more frugal by moving back home with family members in order to finish school and save for their first new home.

 

Millennials rely heavily on technology to find and purchase homes

 

This is the generation that is extremely tech-savvy dominating with the love of social media. Millennials are twice as likely to use their cell phones as aids in their home search process compared to the baby boomer generation. There is literally an app for everything these days including an app that will assist in searching for and eventually purchasing a new home. In 2017, 99% of millennials searched online prior to making their first home purchase. These same buyers tend to look for properties with a social media prescience when trying to find the right home to fit their needs. Apps like Trulia, Realtor.com, and Zillow are just a few of the tools that have helped millennials dig into the real estate market.

 

Millennials are going green

 

Millennials are very interested in minimizing their carbon footprint by going green, which means they are on the hunt for lots of green features both inside and outside of their home. This generation is very environmentally- conscious and is looking to have efficient features such as low-emittance windows, fluorescent light bulbs, sustainable lumber, and solar energy. Many millennials have a desire to help reduce their carbon footprint and will opt for more all-electric homes that come equipped with induction stoves and heat pump dryers that are energy-efficient and will reduce costs.

 

Millennials are looking for convenience

 

Along with the desire to help save the planet, millennials are opting for communities that are closer to everyday necessities like parks, shopping, dining, and even employment to lessen the load of a commute. Many are riding bikes, carpooling, taking trains, buses, and utilizing Uber or Lyft to save funds and the earth.

 

Millennials want more space

 

This generation of adults is starting families and businesses, and entertaining guests. They desire homes with open floor plans and great rooms that will accommodate their growing needs. New homes with spacious and open floor plans are more desirable and allow for more options as life changes. Potential homeowners are looking for houses with options for an in-home office, game rooms, nursery, or even an in-home gym.

 

As more and more millennials begin to dominate the real estate market and express their specific home needs, home builders are making the efforts necessary to accommodate this growing generation with smart home technology and lots of amenities that will keep them coming. Millennials are making much bigger decisions than which Snapchat filter to use. They're making investments that will last a lifetime.

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December 30 2019

End the Decade Right at a New Houston Home at Meridiana

by racheal

Meridiana Amenities Cafe Sol

One of the greatest gifts to have is a cozy home to settle into during the holiday season. Gathering around the ones you love experiencing laughter, home-cooked meals, and family traditions are the greatest ways to close out the year. The lovely new neighborhood at Meridiana offers the perfect space for all of this and so much more! 

 

Positioned just near Pearland, Texas, Meridiana is brimming with upscale features and several amenities that are sure to fit your family’s every need. This development is in a prime location near all of your favorite places to shop, dine, and find entertainment. Visit the Houston Zoo, shop at Tanger Outlets, or catch a movie at the Premiere Cinema 6.

 

Unlike gingerbread houses with their cookie-cutter designs, the homes at Meridiana are built from scratch with you in mind by Houston’s top home builders. Homebuilders like Chesmar Homes and Lennar Homes will provide you with impeccable one and two-story residences with up to 5 bedrooms and 4 full bathrooms. Square footage spans up to 2,733 square feet at homes built by Chesmar Homes and floor plans by Lennar Homes are between 2,302 to 3,359 square feet. A two-car garage with a storage area, a family room, walk-in closets in the master bath, and a covered patio are just a few of the must-have features you’ll find when living at Meridiana.

 

The amenities at Meridiana are abundant including a fitness center, conservatory, splash pad, family swimming pool, learning labs, and even community games and events! You can burn off those holiday calories when you take advantage of one of the walking, hiking, and biking trails available to enjoy. Or try out a Boot Camp Class at Max Fit perfect for all fitness levels. Allow yourself to be whisked away while enjoying a smooth ride on the ambassador’s yacht which also allows for overnight accommodations. 

 

Having fun can sure build up quite an appetite. Take a bite out of Café Sol, Maridiana’s community café open seven days a week. Whether you stop by during happy hour or a weekend brunch, you’ll find all of your foodie favorites at Café Sol. You can keep things light with an avocado salad, grab a juicy burger, or make your own pizza. Don’t forget to wash it all down with an ice-cold craft beer or cocktail straight from the bar.

 

Voted community of the year and developer of the year, Meridiana will not disappoint. Depending on the home design that fits your needs, price points range between the $200,000’s up to the $600,000’s. Stop by the Welcome Center at the Oasis Village to learn more about how you can close out the New Year in a brand new home at Meridiana. 

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December 30 2019

Four Ways to Decorate with Leftover Wrapping Paper

by racheal

Gift wrapping paper

The Christmas holiday is finally over and you’ve probably got plenty of excess wrapping paper leftover that will most likely collect dust for another year. But it doesn’t have to! You can easily use again, just not in the most conventional ways. Rather than letting rolls of wrapping paper take up space in your garage or storage closet, there are many alternative ways to make use of it. if you're looking to revamp your home, a great and affordable way to decorate is to do it with wrapping paper! We’re sharing four ways to decorate with leftover wrapping paper.

 

Line bookshelves 

 

Turn a drab bookshelf into eye candy by lining them with fun gift wrap. This may even encourage you to pull a few more books off of the shelf this year!

 

Line your kitchen and bathroom drawers

 

You can save a few dollars by lining the drawers in your home with your leftover wrapping paper that you already have. If you’re not too fond of the traditional green and red designs, you can always grab different colors and designs at your local Walmart or Target. This adds a fun little pop to your kitchen, bathroom, and dresser drawers.

 

Fill empty photo frames

 

Decorate the blank walls in your home with a few picture frames from the dollar store with your wrapping paper. This is a very affordable and unique way to create an eye capturing piece in any room in your home.

 

Cover your lamp shades

 

Add a little pizazz to your lampshades with fun colors and designs that will add to the room’s flow.

 

Whatever you decide to do with your leftover gift wrapping paper, make sure you’re having fun while doing it. Get creative and think outside the box. The possibilities are endless!

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December 6 2019

How to Save Money for a Down Payment on Your New Home

by racheal

Piggy Bank

One of the biggest accomplishments to make is finally signing on the dotted line for the purchase of your very first home, but how exactly do you get to that point? Although it may be everyone’s dream to purchase property in some shape or form, it may not be everyone’s reality. Purchasing a home can cost more money than you can gather in between your couch. You may need to use a few more tactics in order to reach your financial goals. Here are a few helpful ways to help you to curb impulse buys and be intentional about saving up for one of the biggest purchases you’ll probably ever make in your life without having to starve yourself.

 

Figure out how much house you can actually afford

 

Before beginning the process of saving funds for your future new home, it’s best to plan out not only how much you are willing to spend on a home, but more importantly how much you can actually afford. Have a seat and tally up your monthly earned income as well as your monthly expenses to see how much room you have to groove. This way, you’ll have the ability to figure out just how much you can save and how often in order to reach your down payment goal while still living very comfortably. Ramen noodles are a great option for a college student, but not so much for a family looking for a starter home.

 

Look into down payment assistance

 

There are options out there that can save you even more money on the purchase of your new home. If you are a first time home buyer, you are more than likely to qualify for assistance with your down payment. There is also assistance for those with low to middle income and veterans as well. This might mean a little more paperwork and a lot more research, but it also means less money out of your pocket for that dream home of yours.

 

Check your credit

 

Your credit score, as well as your credit history, are pretty important factors when it comes to making a home purchase. The better your credit score, the more likely you are to get approved for a loan and the more options you will have. Keep your credit score in check while doing these things and you’ll be on your way to owning your home soon.

 

• Pay your bills on time

• Use less of your available credit

• Do not open any new credit accounts

• Maintain a mix of credit amounts

 

Open up a separate savings account

 

One huge mistake potential home buyers make is keeping their funds for their down payment in the same savings account meant for other funds, like vacations, or vehicle emergencies. Open a new account specifically for the purchase of your home so that expenses do not get mixed up. 

 

Another good idea is to open an account with another financial institution so that you are not tempted to touch the money you’ve worked so hard to save. The act of borrowing from the account will be much harder to do when the funds are housed in a completely different bank.

 

Set up an automatic transfer to your savings account

 

Make the hard work of saving funds a little easier with automatic transfers through your bank. You can schedule however much you’d like and however often you need in order to meet your goal and can almost forget about it. 

 

Take advantage of your raises

 

For those of you that receive raises from your employer, it would be very beneficial to take the extra money that you receive and place it into your down payment savings account. Many people use the extra funds to buy more rather than to save for more. 

 

Remove credit card numbers from your favorite online shopping websites

 

Spending money unnecessarily can be a difficult habit to break and make it much harder to save. One great suggestion is to remove your saved credit card numbers from your favorite online shopping websites. This will make it less convenient to spend and more convenient to save.

 

Spending money online is much easier these days. You can easily spend hundreds of dollars from the comfort of your home with just a few clicks. Just thinking about having to get out of bed to grab your credit card may help deter you from making those unnecessary purchases as often, which will save you a ton in the long run.

 

Wait a little longer before making a purchase.

 

Another tip that will be helpful when saving is to wait before you make a purchase. Maybe give yourself a few days or even a full week after getting receiving your paycheck to spend money other than bills. Ask yourself the question: Do I really need this? An even better question to ask is this: Did I need this yesterday? That question can be mind-blowing when you realize there was no actual need for the item at all. You can also take the amount of money that you would have spent and place it into your savings account, whether it’s a fast-food meal or a new pair of shoes. 

 

Minimize vacation spending for a year

 

Save hundreds and even thousands of dollars by skipping out on the elaborate vacations for an entire year. This doesn’t mean that you can’t have a little fun with your family. There are plenty of low-cost ways to have a mini-vacay right in your backyard. Choose more affordable options like driving instead of flying to your destinations. Select a location that is a little bit closer to home and make it a family road trip. Sign up for promotional deals to receive discounts for your experience at hotels, amusement parks, and more.

 

Pick up a side job or ask for overtime

 

To help you reach your goal a little faster, ask to work a few extra hours of overtime. If that is simply not an option for you, you can also make use of food delivery apps like Uber Eats and Postmates, or pick up and deliver groceries using Instacart. You can also use Uber or Lyft to offer rides or offer rides for the extra cash. If you have a skill that you’re great at, use it to make a few dollars. You can sell handmade jewelry, baked goods, or even offer resume editing services to go toward your savings goal and pay down your debt.

 

With a little bit of elbow grease and a lot of patience, you’ll be on your way to homeownership in no time! 

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