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Posted by Monica Kavanaugh on 5/28/2019

A lot changes when you move into a new home. For the first few weeks you’ll most likely be focused on getting everything arranged and put away in their proper locations. You’ll be adjusting to your new work commute, meeting the neighbors, finding out where to shop, and so on.

It’s easy to forget about updating your budget during the first couple of months in your new home. However, if you want to be mindful of your spending and gauge the true cost of living in your new home, it’s essential to start tracking expenses and creating your budget as soon as possible.

In this article, we’re going to show you how to make a new budget for your new home so that you can start accurately planning your long term finances. That way, you and your family can rest assured that you aren’t living above your means in your new home and can stop stressing about spending.

Cost of living changes

When most of us move we think about the change of our mortgage payments, property taxes, and home insurance. However, there are several smaller changes that will occur in your day-to-day spending habits that you might not think to update in your budget.

First off, make a note of how much you’re spending on transportation (whether it’s train fare or gas for your car) in your new home and adjust this on your budget. This is hard to predict before you move since you can’t be sure of the traffic patterns until your first trip to the office.

Next, make a list of your monthly services, including utilities. We’re talking about internet, cable, trash and recycling, heating and electricity, and so on. At the end of the first month, add each of those to your budget and decide if you want to spend less on any of them.

One surprise expense that many people have when they move is the cost of internet. Your old plan at your former residence might not cut it if you move to an area with different coverage.

Furnishing your new home

Even if you’re moving with most of your furniture and appliances, there will likely still be expenses that you’ll need to plan for in your new home.

It might be tempting to make all of these purchases at once so that you can feel like your move is “complete.” However, the best course of action is to include these items into your monthly budget so that you are prepared for emergency expenses.

Decide which items you need the most in your new home, and prioritize purchasing those on the first month. You’ll likely realize after just the first couple of nights in your new house which items you need now and which can wait.

Budgeting apps and tools

Everyone has their own preferred method of record-keeping. Some people keep their budget in a notebook or planner, whereas others like to use an app that they can access on their phone or laptop.

There are dedicated budgeting apps and web applications that link to your bank account and tell you how much left you can spend that month and if there is an issue with your budget. Several such apps are available for free in both Android and Apple app stores.

For a simpler budget, you can simply use the spreadsheet application of your choice (Excel, Numbers, and Google Sheets are all sufficient).

Regardless of what tool you use, make sure you check in on your budget frequently to ensure you’re sticking to it and making adjustments as needed.




Tags: budgeting   budget   moving  
Categories: Uncategorized  


Posted by Monica Kavanaugh on 5/7/2019

If you recently bought or sold a house and plan to move out of state, now is the time to start planning for moving day. By doing so, you can ensure that you're fully prepared to take all of your belongings to your new address.

Now, let's take a look at three tips to help you prep for an out-of-state move.

1. Create a Moving Calendar and Budget

Determine how much time is available before moving day. Then, you can put together a list of items that you will need to pack, along with various pre-moving day tasks that must be completed. With this plan in place, you'll be better equipped than ever before to seamlessly navigate the moving process.

Also, don't forget to budget for your out-of-state move. If you craft a budget today, you can avoid the risk of overspending on moving boxes and other moving supplies.

2. Don't Wait to Start Packing

Moving day will be here soon enough, and as such, there is no reason to wait to start packing your belongings.

Enlist friends and family members to help you pack – you'll be glad you did. With loved ones at your side, you can get plenty of assistance as you prep your belongings for your out-of-state move.

In addition, you may want to contact a moving company that specializes in out-of-state moves. If you hire a moving company, you can receive comprehensive support throughout the moving cycle.

3. Cancel Various Services

Reach out to your current utilities providers, along with cable, internet and phone services providers. This will allow you to find out exactly what you'll need to do to cancel various services prior to moving day.

Remember to connect with services providers in your new city or town too. If you contact these services providers today, you can guarantee that all of your essential services can be set up as soon as you reach your new address.

Lastly, if you need help getting ready for an out-of-state move, you may want to reach out to a real estate agent. By collaborating with a housing market professional, you may be able to simplify the moving cycle.

A real estate agent is happy to help you buy or sell a house, as well as connect you with the best moving companies in your area. That way, you can receive plenty of assistance as you count down the days to your out-of-state move.

Furthermore, a real estate agent is happy to provide expert insights into the housing market. If you need to find a new house out of state, this housing market professional can help you discover a great residence at a budget-friendly price. Or, if you need to sell your current residence, a real estate agent will help you find the best ways to optimize the value of your house.

When it comes to moving out of state, why should you be forced to leave anything to chance? Instead, use the aforementioned tips, and you can streamline the out-of-state moving process.




Tags: moving tips   moving  
Categories: Uncategorized