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

4 Ways to Keep Clutter from Overtaking Your Life

February 2, 2015 1:18 am

Are your closets brimming with household items? Are you using your garage to store anything but your vehicle? Has every nook and cranny become a catch-all for clutter? Many homeowners believe the solution to clutter is to purchase more – baskets, coat racks, storage units and anything else that will help them stay organized.

"It's easy for homeowners to accumulate an abundance of items over the years. In order to keep your home clean and contented, it's important to edit out unnecessary objects," says Karen Powell, founder and CEO of Decor&You. "Especially after the holiday gift giving and receiving season, now is a great time to consider donating unwanted items to local charities and help others in your community."

Rather than bringing more items into the chaos, evaluate the items currently overcrowding your home and de-clutter your existing storage spaces. Here’s how to do it.

Create a habit: By setting aside designated dates throughout the year to sort through storage spaces, you'll eventually form a new habit. Whether you decide to de-clutter biannually or bimonthly, establish realistic times based on your household and lifestyle. For some, it might be best to align your 'editing out' days with the change of each season. Remember to pencil these specific tasks into the calendar. Doing so will increase the likelihood that they are completed on a regular basis.
Make it a family affair: While the de-cluttering process isn't always considered fun, sorting through storage and buried objects can be very nostalgic. For items holding sentimental value, having the family together for one last reflection can provide closure and make it easier to donate or discard. Including your family, especially children, will help them to develop a clutter-avoiding habit, too.
Reflect, and then make a purchase: When you’re shopping and you spot something of interest, it's easy to immediately justify the purchase. Consider its purpose instead. Is it serving as an aesthetic piece? Is it replacing something outdated? What about its placement -- will it be in the open on your fireplace mantle or end up shoved in a storage bin? Use these reflections to dictate whether a purchase should be made, and establish a rule to refrain from buying excess goods. A good rule of thumb: for every two items purchased, one pre-loved item in the same category must be donated or discarded.
Take 10 minutes a week: Beyond the designated times per year, take ten minutes each week to quickly evaluate what areas of your home need to be tackled and if there is anything simple you can do now to relieve the process in the future. Checking your kitchen pantry or refrigerator for expired goods will save you an enormous amount of time when the big clean-up rolls around.

Source: Decor & You, Inc.

Published with permission from RISMedia.


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Mortgage Rates in Holding Pattern

February 2, 2015 1:18 am

Mortgage rates were mixed last week, with the benchmark 30-year fixed mortgage rate reversing last week's move and settling at 3.80 percent, according to Bankrate.com's weekly national survey. The 30-year fixed mortgage has an average of 0.29 discount and origination points.

The average 15-year fixed mortgage dropped to 3.13 percent, down 3.18 percent from last week. The 30-year fixed mortgage was down 3.81 percent from the previous week at 3.80 percent. Adjustable rate mortgages were mostly higher, with the 7-year ARM climbing to 3.37 percent and the 10-year ARM rising to 3.65 percent.

Mortgage rates remain at the lowest levels since May 2013, despite an improving U.S. economy. The economic sluggishness overseas and increased stimulus from other central banks around the globe have kept the Federal Reserve 'patient' about raising interest rates and helped bring both bond yields and mortgage rates lower. Mortgage rates are closely related to yields on long-term government bonds.

One year ago, the average 30-year fixed mortgage rate was 4.50 percent. At that time, a $200,000 loan would have carried a monthly payment of $1,013.37. With the average rate now at 3.80 percent, the monthly payment for the same size loan would be $931.91, a savings of approximately $81 per month for anyone refinancing now.

Source: Bankrate

Published with permission from RISMedia.


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