RE/MAX 440
John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

Renting? 3 Savvy Storage Tips

July 13, 2015 12:51 am

(Family Features) Just because you don't own your home or have a permanent abode doesn’t mean you can't be neat and organized in the place you currently hang your hat, says professional organizer Lorie Marrero.

"Even if you are not able to drill holes in the walls, even if you are always on the move and prefer not to invest in costly storage solutions, there are still plenty of portable and attractive options for you," says Marrero. "Find those that work best for your needs and can be as portable as you are."

With the right products and a little creative thinking, adding moveable, functional, attractive and affordable storage can be quite simple for any renter. Marrero suggests implementing savvy storage solutions to make the most of your space and situation, such as:

Creative Closet Space


One drawback when renting can be the lack of storage space and the inability to install permanent fixtures in closets. Typically equipped with one rod and a top shelf, rental closets don't provide the best configurations for maximizing the available area. You can make the most of the limited space with a removable system that securely clips to an existing rod, with accessories like fabric bins and hanging organizers.

Plain View Storage


Colorful storage pieces can enhance existing decor and brighten up the often lackluster neutral walls found in most rentals. Anyone living in an apartment or smaller quarters knows that storage needs to not only look good, but also be completely functional. Add stylish storage to your living space with vibrant cubes that complement your existing décor.

Accessible Areas

Create a system to keep your place tidy. A drop zone, whether in your entryway, kitchen or living area, is a good place to keep your mail, keys, shoes, bags or whatever you always need readily available. A small bench or colorful coat tree by the door are good options to keep belongings off the floor. Once you've gotten your system down, be vigilant about sticking to the plan.

Source: ClosetMaid

Published with permission from RISMedia.


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5 Ways to Get–and Stay–Debt-Free

July 10, 2015 12:51 am

Part of the American Dream for many is financial independence. Even with an improving economy, several households still carry debt that can create challenges when seeking a loan, say the experts of the non-profit American Consumer Credit Counseling (ACCC).

“Excessive debt can harm relationships, ruin retirement plans, and limit the chances of taking out a car or home loan,” says ACCC President and CEO Steve Trumble. “No one scripts financial disarray as a part of their life plan. Fortunately, there is a way out from under the oppressive weight of debt. Make this the year you tighten up your own personal spending and sharpen your long-term money plans.”

Whether you are struggling to erase debt or want to maintain debt-free finances, the ACCC recommends the following:

1. Don’t live beyond your means. You can’t always control the amount of money you make, but you can control the money you spend. One way to avoid overspending is to carry cash instead of a debit or credit card. It's harder to overspend when you carry cash. Unlike credit or debit cards, which can go over the limit or into a negative balance, you can't slide past zero when you carry cash. If you decide to carry a card, limit spending to only what you can afford to pay off at the end of the month.

2. Pay more towards your monthly minimum. If you are struggling to pay off a credit card with a high interest rate, make sure to pay more towards your monthly minimum. One way to quickly plan out your payments is to use an online debt payoff calculator to give yourself an idea of the date in which you will be finished paying it off.

3. Invest in the future. One of the best ways to plan a financially free future is to save toward your own retirement through an employer-sponsored 401(k) plan. If you don't participate, you're missing a golden opportunity to save for retirement while lowering your tax burden on those savings.

4. Keep an emergency fund. Always prepare for an emergency. Set aside a portion of each paycheck and save a minimum of 9-12 months of expenses in a separate interest-earning account. The funds will help cover expenses in the event of a job loss, car accident, house repairs or other unforeseen events.

5. Insure yourself.
Even if your job does not supply it, make sure your medical, disability, home and automobile insurance policies are in order. Disaster could take any form – a car breaks down, a major home fire, or an automobile accident that leads to pricey legal action. Insurance gives you peace of mind. With it, you know that if anything happens to you, your family or your business that you will be financially secure.

Source: ACCC

Published with permission from RISMedia.


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