Jeffrey Bastress' Blog
Minimalism is everywhere lately, and it’s no wonder why. With each of us cramming our days full of more and more tasks, buying larger houses, and being bombarded with advertisements for all of the things we need to fill those homes up with, it becomes apparent why many are turning to a simpler way of living. Or, at the very least, trying to cut down on the amount of stuff we own and have to keep track of.
Since our homes are where we keep all that stuff and where we spend the majority of our time, you can see how it becomes easy for homes to get cluttered and messy.
In this article, we’re going to talk about some of the reasons you might want to incorporate minimalist ideas into your home and give you some tips on how to go about simplifying your life at home.
Less clutter, less cleaning, more time
The obvious benefit of minimalism is that the fewer things you own, the fewer things you have to spend time taking care of. This goes for cleaning, maintaining, and storing. It might be tempting to buy the latest single-cup coffee maker, but do you really need another thing to take care of and find counter space for?
When it comes to cleaning, a minimal house is much easier to take care of. Fewer things to dust and wash means you can spend more time doing things you enjoy.
To illustrate how much easier it is to clean a minimal room than a cluttered one, just image how long it takes to mop the floors of an empty room compared to having to move or clean around furniture.
The same reasoning applies to mowing a lawn--it’s easier to mow in a straight line that it is to have to carefully avoid objects strewn across your yard.
Easier to live in
By nature, we are an animal that loves to be organized. We get frustrated when things aren’t where we left them or when we forget where we put something we need. A minimal home takes away some of that frustration by allowing fewer opportunities to lose our keys or whatever else gets lost in the piles of clutter.
More welcoming to guests and more relaxing for us
Each of us has our own preferences when it comes to decorating. However, one thing that can be said about humans is that we tend to feel more relaxed when we’re not crowded by things or other people.
Similarly, it’s easier for us to focus in environments that have fewer distractions. A minimal home office would ideally contain mostly just the necessities for whatever work you need to accomplish.
How to get started
Now that you know the benefits, here are some ways you can get started making your home more minimal.
To avoid taking on too large of a task at once, approach your home one room at a time. Take note of what is in that room and think back to the last time you used it. Does it serve a purpose? If the object is just for decoration, is it a decoration that you feel adds to the room or does it clutter it up too much?
By asking yourself these questions, you can begin to make your home a more relaxing, more welcoming environment for you and your guests.
120 8Th Street, Leominster, MA 01453
If you are thinking of buying a home in the near future, there’s one three-digit number that could be oh so important to you. That number is your credit score. Read on to find out how a credit score can affect you and the steps you can take to be sure that your credit is in good standing when you head to apply for a mortgage.
What Is A Credit Score?
Your credit score is checked by lenders of all kinds. Every time you apply for a loan or a credit card, there’s a good chance that your credit score is being pulled to see if you qualify for the loan. Your credit score is calculated based on the information on your credit report. This information includes:
Length of credit history
New credit accounts opened
The areas with the most impact on your score is your payment history and your debt-to-credit ratio. This means that on-time payments are super important. You also don’t want to get anywhere close to maxing out your credit cards or loan amounts to keep your score up.
What’s A Good Score?
If you’re aiming for the perfect credit score, it’s 850. Most consumers won’t reach that state of perfection. That’s, OK because you don’t have to be perfect to buy a house. If your score is 740 and above, know that you’re in great shape to get a mortgage. Even if your score is below 740 but around 700 or above, you’ll be able to get a good interest rate on your mortgage. Most lenders typically look for a score of 620 and above. Keep in mind that the higher your credit score the better your interest rate will be.
What If You Lack Credit History?
Most people should get a credit card around age 20 in order to begin building credit. You can still qualify for a mortgage without a credit history, but it will be considerably harder. Lenders may look at things like your rent payments or car payments. Lenders want to know that you’re a responsible person to lend to.
What If Your Score Needs Help?
It doesn’t mean you’re a hopeless case if you lack good credit. Everything from errors on your credit report to missed payments can be fixed. The most important thing that you can do if you’re buying a home in the near future is to be mindful of your credit. Keep an eye on your credit report and continue to make timely payments. With a bit of focus, you’ll be well on your way to securing a mortgage for the home of your dreams.
4 Woodcrest Drive, Oxford, MA 01537
Ready to buy a house? It pays to be proactive, especially if you hope to streamline the process of acquiring a terrific residence at a budget-friendly price.
A superb house is likely to stir up interest from large groups of homebuyers. Fortunately, with a proactive approach, you can stay ahead of the homebuying competition and boost your chances of securing a wonderful house.
Ultimately, there are several best practices for proactive homebuyers, and these practices include:
1. Search for Homes Early and Often
The early bird catches the wom. Much in the same vein, a proactive homebuyer is better equipped than others to achieve his or her desired results.
Keep a close eye on the housing market – you'll be glad you did. If you monitor home listings in your city or town, you can quickly identify potential properties that you may want to buy.
In addition, evaluate housing market trends and patterns. With this housing market data in hand, you can differentiate between a buyer's and seller's market.
2. Get Pre-Approved for a Mortgage
Meet with several banks and lenders in your area. By doing so, you can explore a variety of mortgage options and select one that complements your finances.
There is no shortage of mortgage options at your disposal. For example, many homebuyers prefer a 30-year fixed-rate mortgage, which guarantees they will pay the same amount each month for the life of a mortgage. On the other hand, some homebuyers choose a 15-year adjustable-rate mortgage, which features lower upfront payments that gradually increase over time.
If you're uncertain about which mortgage option to select, there is no need to worry. Banks and credit unions employ friendly, knowledgeable mortgage professionals who can help you make an informed decision.
Perhaps best of all, meeting with mortgage professionals guarantees you can receive expert responses to your concerns and questions. These mortgage professionals will devote the necessary time and resources to assist you and make it simple for you to select a great mortgage.
3. Collaborate with a Real Estate Agent
If you want to enter the housing market, there is no reason to wait. In fact, if you contact a real estate agent today, you can immediately launch a successful homebuying journey.
A real estate agent is dedicated to your homebuying success. He or she first will learn about your homebuying goals, ensuring you can start the homebuying journey on the right foot. Then, this housing market professional can help you narrow your search for your dream residence.
In most instances, a real estate agent will set up home showings, keep you up to date about new residences as they become available and help you submit home offers. This housing market professional also provides a one-of-a-kind homebuying resource. And if you ever have homebuying concerns or questions, a real estate agent is ready to respond to them.
Don't wait to kick off a homebuying journey. Instead, use the aforementioned tips, and you can become a proactive homebuyer.