• Credit

    Boost Your Credit Score

    Follow these tips, and watch your credit score soar. Pay your bills on time This may seem like a no-brainer, but just one late payment could negatively affect your credit score for years. However, if you regularly pay your bills on time, your score will improve dramatically. For example, someone with an average credit rating of 707 can raise their score by as much as 20 points by paying all their bills on time for one month. Eliminate late payments If you do make a late payment, try contacting the creditor to ask for a good faith adjustment that will eliminate the late payment on your credit report. Be patient…

  • Buying a Home

    Homebuying Blunders

    Here are some of the most common buyer mistakes- and how to avoid them: Not doing your homework. It sounds simple, but there are times when people don’t take advantage of resources like the Internet. When deciding to make a purchase as important as buying a home, you have to do your research. With the wealth of information available today, make sure that you prepare before talking to an agent. Not choosing the right location. You’ve heard it before: location matters. But there are times when buyers don’t put enough consideration into this vital home-buying factor. In order to find the right place, you need to prioritize what you want…

  • Fall

    Back to School Home Organizing

    Back to school is always a struggle. After the first couple of weeks, things are bound to be lost, forgotten or “eaten by the dog.” Eliminate the confusion by following these great tips for keeping your home organized (and your brain un-frazzled) throughout the entire school year. Color Coordinate Your Kids Use each child’s favorite color to color code all of their belongings. The blue folders belong in the blue backpack with the blue pencil case, and so on. Keep a color-coded folder for yourself and include updated immunization records and other vital documents and store it in a convenient place. Photocopy the form the school sends home every year…