Credit cards can be a great source of safety and convenience but they can also be trouble. Buy now and pay later can have serious consequences and lead to financial trouble.
So in order to stay financially fit it is important to use your credit cards wisely. Here are a few tips to help you make the most of your credit cards:
• This seems simple but pay off your balance every month in full. Interest charges on your credit card purchases can add up fast.
• If you do carry a balance, pay back as much as you can as quickly as possible. You don’t have to wait until the payment due date.
• Avoid using your credit card to withdraw cash or transfer money. Interest is charged on these transactions immediately.
• If you are considering a card with an annual fee, be sure that whatever reward or benefit you’re getting is worth the cost.
Bottom line stay within your budget. Only use credit cards for things you can afford. If you can’t afford it don’t buy it. You will be much happier without the new sweater when you have enough money to buy a new home.
Why isn’t your house selling? It may not be the market, instead it could be what you are or are not doing. Believe it or not you can ruin your chances of selling your home. So, how can you capture the attention of potential buyers? Read on to find out if you are making any of these mistakes.
Missing or Bad Photos
Buyers love to look at photos. They love to look at lots of photos so include lots of photos in your online listings. There is such a thing as a bad photo though. Pictures of unattractive rooms, toilets and messy areas can also turn a buyer off. Make sure every photo has great light, shows off your home and shows a neat and clean home. Place the best shots at the beginning so it is the first thing the buyer sees on the listing site.
Lack of Curb Appeal
Most buyers will search for homes online and then jump in the car and drive by. If your home has bad curb appeal they may eliminate it before they even walk through the front door. Be sure to create curb appeal by trimming the trees, fertilizing the lawn, and sprucing up the landscaping. Remember first impressions mean a lot.
The words that advertise your home are vitally important. Avoid clichés and instead use your creativity and talk about the best features of your home. You only have so much space for text so make it count!
Price Too Low/High
Pricing a home too high won’t produce an offer, but sometimes pricing it too low leaves buyers wondering what is wrong. Use a real estate professional to help you strategically price your home to sell in the current market.
When potential buyers are looking at your home there is nothing more awkward than finding the homeowner is still there. Buyers can’t picture the home as their own if you are there. When the house is being shown make sure you are not home.
There are things in your control in the selling process of your home. Take the time to make sure your home is staged and looks ready to sell and avoid the above mistakes and you should have a sold sign in no time.