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Posted by Lea Nabipour on 12/25/2017

A lot changes when you move into a new home. For the first few weeks you’ll most likely be focused on getting everything arranged and put away in their proper locations. You’ll be adjusting to your new work commute, meeting the neighbors, finding out where to shop, and so on.

It’s easy to forget about updating your budget during the first couple of months in your new home. However, if you want to be mindful of your spending and gauge the true cost of living in your new home, it’s essential to start tracking expenses and creating your budget as soon as possible.

In this article, we’re going to show you how to make a new budget for your new home so that you can start accurately planning your long term finances. That way, you and your family can rest assured that you aren’t living above your means in your new home and can stop stressing about spending.

Cost of living changes

When most of us move we think about the change of our mortgage payments, property taxes, and home insurance. However, there are several smaller changes that will occur in your day-to-day spending habits that you might not think to update in your budget.

First off, make a note of how much you’re spending on transportation (whether it’s train fare or gas for your car) in your new home and adjust this on your budget. This is hard to predict before you move since you can’t be sure of the traffic patterns until your first trip to the office.

Next, make a list of your monthly services, including utilities. We’re talking about internet, cable, trash and recycling, heating and electricity, and so on. At the end of the first month, add each of those to your budget and decide if you want to spend less on any of them.

One surprise expense that many people have when they move is the cost of internet. Your old plan at your former residence might not cut it if you move to an area with different coverage.

Furnishing your new home

Even if you’re moving with most of your furniture and appliances, there will likely still be expenses that you’ll need to plan for in your new home.

It might be tempting to make all of these purchases at once so that you can feel like your move is “complete.” However, the best course of action is to include these items into your monthly budget so that you are prepared for emergency expenses.

Decide which items you need the most in your new home, and prioritize purchasing those on the first month. You’ll likely realize after just the first couple of nights in your new house which items you need now and which can wait.

Budgeting apps and tools

Everyone has their own preferred method of record-keeping. Some people keep their budget in a notebook or planner, whereas others like to use an app that they can access on their phone or laptop.

There are dedicated budgeting apps and web applications that link to your bank account and tell you how much left you can spend that month and if there is an issue with your budget. Several such apps are available for free in both Android and Apple app stores.

For a simpler budget, you can simply use the spreadsheet application of your choice (Excel, Numbers, and Google Sheets are all sufficient).

Regardless of what tool you use, make sure you check in on your budget frequently to ensure you’re sticking to it and making adjustments as needed.




Tags: budgeting   moving   budget  
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Posted by Lea Nabipour on 9/18/2017

If you’re thinking about buying your first home, it’s good to be close to a city that has all of the amenities and characteristics that you want out of life. However, recent economic growth and an increasing wealth divide has made some cities and their suburbs expensive and overcrowded.

Fortunately, there are several cities and metropolitan areas across the U.S. that are currently experiencing both job growth and a cultural rejuvenation. In this article, we’ll cover the top 10 up and coming cities to move to.

 1. Colorado Springs, CO

An hour drive from Denver and two hours to the mountains, Colorado Springs is a rising alternative to the Denver Metropolitan area. It is home to several high ranking colleges and the unemployment rate is low. Best of all, Colorado Springs is a highly affordable place to live.

2. Portland, ME

Portland is a small coastal city but is packed with restaurants and the arts. It’s proximity to the ocean and affordability make Portland a great place to move to. There’s also a thriving do-it-yourself scene, an emphasis on green living and repurposing old infrastructure.

3. Indianapolis, IN

Indianapolis combines affordable living with in-demand amenities like shopping, professional sports teams, and highly sought colleges. It’s also home to the biggest sporting event in the country, the Indianapolis 500 auto race.

4. Nashville, TN

Nashville and its surrounding suburbs are experiencing growth and demand for their rich musical culture and history as well as their affordability and short commute times. Residents of Nashville often rank it as being a great place to live, and if you trust anyone it should be the people who are there 365 days a year.

5. Grand Rapids, MI

Grand Rapids has the industry and infrastructure of a large metropolitan area but maintains the affable nature of a small, midwestern town. Grand Rapids is known for its large public waterway on the Grand River as well as its close proximity to Lake Michigan.

6. Houston, TX

Just an hour’s drive to great beaches on the Gulf of Mexico, Houston boasts a beautiful skyline and a rich cultural heritage, especially when it comes to food. Houston is also the home to several national companies and homes in the area are relatively affordable since Houston wasn’t largely affected by the housing crisis.

7. Raleigh, NC

The Raleigh metropolitan area is home to several competitive research universities and the population is booming with nearly 80 people migrating to Raleigh each day. Affordable housing and a stable but increasing job market make the Raleigh metropolitan area a highly desirable place to live.

8. San Jose, CA

Silicon Valley shows no signs of slowing as major companies like Google, Apple, and Facebook, continue to expand. One problem residents of the area will face is growing real estate prices and a shortage of housing, but living in both a technological and a natural paradise might be worth it for the right people.

9. Sarasota, FL

Beautiful beaches and year-round warm weather attract retirees to Florida each year. But Sarasota also offers a large and growing job market in healthcare, tourism, and hospitality.

10. Salt Lake City, UT

Salt Lake City is within driving distance of several national parks, holds close proximity to mountains, and is nearby Utah’s Great Salt Lake, the largest salt lake in the Western Hemisphere. Salt Lake City has a growing job market, a low unemployment rate (2.8%), and low average commute times.




Tags: Real estate   moving   cities  
Categories: Uncategorized  


Posted by Lea Nabipour on 1/27/2016

As they say real estate is about 3 things: location, location, location.  Finding the perfect city, town, or village to live can be difficult especially if you have a family to take care after. If you are still midst-career and not looking to retire you probably want to live close to work (maybe not too close) , family, and to what is important for you to live in town. The first tip is simple, you can use sites such as city-data.com to find out more about the area.  City websites with a .gov domain can provide a lot of insight, but don't forget to do a simple google search or look at the Wikipedia page of that place when they are available.  You can find out just about anything these days:  population, school systems, cost of the average house, and even average city income of the residents.  Most of this information is available thanks to the census of course, so this is a great time to do research as the information was last collected in 2010 as part of a 10 year cycle. Google maps has a great feature called my places.  Other maps offer similar features if you prefer another, but essentially what you do is create your own map.  There is a link to take an interactive tour underneath the big red create map button if you need help.  It is a very well made tour.  After all of your important locations are marked and labeled you can zoom out a bit and see all of the locations clearly.  There are certain exceptions such as highway access, but somewhere in the middle is generally a good place to start looking.  Combine this with the town information you can find and suddenly you are well on your way to being an expert on the area.  You can even generate driving directions and estimates to and from each location. This is great news of course, because the more you know, the better your decision will be.




Categories: Uncategorized