You paid enough for your house and not just for the price of the house. It cost you plenty to cover closing costs, title fees, mortgage insurance, homeowner's insurance and realtor commissions. The last thing that you want to do is to see your belongings stolen.
Home safety may be more than you think
Turning your house into an island, a place that only you can navigate or enter is another thing that you likely don't want. Yet, both external theft and internal actions that make your house unsafe happen. That's because home safety is not organic. A house isn't safe just because you lock the doors. To keep your house safe, you need to be mindful.
An example of mindfulness is locking your second floor windows when you plan on being downstairs for several minutes or longer. Checking that you secured the window in the basement before you head upstairs is another example of mindfulness. Other home safety actions include:
- Testing your home security alarm similar to how you test your fire alarm. Contact the home security alarm provider about testing. If you installed the home security alarm yourself, follow the product instructions on how to perform a self-test.
- Closing curtains, blinds and drapes at night to keep passersby from seeing inside your house. From inside your house it may not seem like it, but it's easier to see inside a home when the lights are on and it's dark outside.
- Driving large, empty product boxes to a garbage bin instead of leaving them at your house's front curb. Sight of these empty boxes advertises to people walking or driving down your street that you have these products inside your home.
- Keeping your house clear of clutter, so you don't get trapped in the event of an emergency, including a weather storm like a flood, earthquake or tornado.
- Letting friends and family who you trust know when you're going to be out of town and when you expect to return. Practicing home safety also means that you leave your contact information with these people you trust. It's also beneficial to have at least two contact forms for these people, things like email and telephone.
- Developing relationships with your neighbors, people who can look out for you and your property while you're away.
You'll feel better after you make your home safer
Home safety requires action on the inside and the exterior of your home. It might go overlooked, but to be safer at home, you need to communicate certain facts to people who you trust. Staying up to date on security tools like house alarms,wireless security cameras and electronic notifications can lead to continual home safety.
Living in a safe house extends beyond locking your doors. It also involves more than you.If performed right, your home will be safe for you and everyone who enters it. You'll also gain another advantage. Your house will offer more physical support and reliability for you and your guests.
Move into a house that has a smaller price tag on it and you could keep more of your paycheck, perhaps as much as ten percent or more of your paycheck. But, moving has unique expenses like shipping, transportation and labor. You’d also have to shop for a new home, play closing costs and inspection and mortgage fees.
Lower housing costs without leaving the home you love
And if you love where you currently live, moving may be the last thing that you want to do. Yet, you still need more money. Look over these tips to learn how you could keep more of your paycheck without moving,
- Roll credit card balances into lower interest accounts. Pay attention to the fine print. Some cards start low then jump as high as 23% a year after you open the account.
- Combine student loans into one low interest account. Check with your bank to see if they offer this service. If not, consider getting the service from another lender. If you choose this route, make sure that the total monthly payments and total interest that you will pay on the combined loans is lower than what you would have had to pay had you not combined the loans.
- Rent out a portion of your home. You could receive several hundred dollars a month if you rent out one floor of your house.
- Take on part-time freelance work. By working as a freelancer, you could work from home and increase your overall income. Set your own hours, deciding if you’re only going to work three, five or ten hours a week as a freelancer.
- Conduct a monthly yard sale. A good yard sale can bring in a thousand dollars or more. Organizing a yard sale is also a good way to keep your house clear of clutter.
- Create and stick to a budget. This is a habit that can pay off for years. Identify how much you are going to spend on food,clothing, entertainment, home upgrades and travel. See if you can cut back $100 a month on unnecessary spending.
- Pay yourself first. Invest in an IRA or another savings plan before you go shopping.
- Switch to lower cable, telephone and Internet plans. Are you paying for cable channels that you hardly ever watch? Consider switching to a lower priced plan. You may also find a better rate with a competitor.
- Avoid giving into your children’s whims to buy them more toys or electronic gadgets. Steer clear of emotional spending to keep more of your paycheck without moving.
It doesn’t take a major repair to send you dipping into your savings to maintain your home. Routine lawn, roofing or wiring care can add up. Let your home owners association raise its fees or your local municipality raise property taxes and you’ll have less of your paycheck to keep. Fortunately, there are choices that you could make that allow you to enjoy keeping a larger portion of your income,without you having to move or log more hours at work.