Diane Horrigan - RE/MAX  Trinity



Posted by Diane Horrigan on 4/11/2018

It's amazing how one piece of carefully chosen, strategically placed furniture can drastically improve the look and feel of your kitchen, living room, or any other space in your home.

While it is very satisfying to pick out furniture that delights you every time you look at it, furnishing and decorating your home can take a big bite out of your budget. What many homeowners don't stop to consider, however, is that it is possible to get good deals on nice furniture without depleting your bank account.

Here are a few strategies for accomplishing that.

  • Take advantage of sales, discount coupons, and closeouts. When a furniture outlet advertises that they "will not be undersold," it's often worth your while to stop over and take them up on that offer. First, however, it's necessary to know what the competition is charging for the same or very similar furniture. Once you're armed with that information, you're in a good position to pay the lowest possible price. Like any type of shopping, comparing prices will save you money.
  • Dispense with your aversion to negotiating. Have you every heard people say "I hate negotiating" or "Negotiating makes me feel uncomfortable?" Are you one of those people? For whatever reason, it's a mind set many people have. The disadvantage of thinking this way, however, is that you may be missing out on chances to save hundreds, if not thousands of dollars a year. When you add up the savings and realize all the worthwhile ways you can use that saved money, you may reconsider your position on practicing the art of negotiating!
  • Estate sales can potentially be a great source of good quality, reasonably priced furniture, and sometimes you can stumble upon incredible bargains. For obvious reasons, your ability to negotiate the best possible deal increases as the end of the sale approaches. When you play the "waiting game" or tell them you'll come back later or tomorrow, you do run the risk of someone else snatching up that great dresser, coffee table, or antique lamp you had your eye on. Waiting can be a gamble which sometimes (but not always) pays off. There's also an art and science to getting the best deals at antique shows, but effective bargaining requires the right mindset, a little knowledge, and plenty of practice.
  • Attending garage sales can also yield great bargains and unique finds. Homeowners holding garage sales are often motivated to liquidate their old furniture --especially if it's a moving sale. If you've ever held a yard sale, yourself, you know that the last thing you want to do at the end of the day is to haul unsold furniture back to the house when the sale is over.
With a little research, friendly negotiating, and patience, finding great furniture for the right price is an attainable goal.
 





Posted by Diane Horrigan on 10/12/2016

It is the desire of most people to become rich in life and live comfortably in retirement. The problem is that most people are not ready to pay the price required to achieve this long term goal. No one living their dream life today arrived there by chance. They all made a concerted effort to ensure their plans became a reality. The first step is saving, some people have problems saving money hence only having enough to meet their present needs. Never bothering to set some money aside for the future can leave an individual in a real financial bind.

This article will provide you with some practical steps on how to save money. The first step is determining how much you will save, how long you will save it, and how to keep you from spending it.

Take Care of Your Debts

Before you start saving, you need to clear your debts so you can start with a clean slate. Calculate how much you earn in a year and how much you are in debt. Calculate how much you want to use towards repaying the depth on a monthly basis and stick to it. The larger the portion, the faster you get out of debt. It may be a bit of a strain on your budget, but the sooner your debt is eliminated the better off you will be.

Set Your Goals

You need to set goals that provide a clear picture of what you are working towards. Maybe you want to have $5000.00 in savings by the end of the year, have this written on a piece of paper and placed where it is visible to you at all times.  This message will act as a continuous reminder of the goal you are aiming to achieve.

Establish A Time Frame

What good is a goal without a time frame? There has to be a precise and definite time frame, this makes your goals realistic. For example, “In 6 months, I want to have $30,000 in my account by saving $5,000 every month”. That is a long term goal that has been broken into short term goals with a precise payment amount and time frame.

Keeping A Record

It is very important to keep a record of every expense you make and every bit of income you receive. Keep a small note book in check always to determine precisely how much you spend.  Include your utilities, rent, insurance, car payments, fuel, food and other living expenses.  You will be surprised how much you spend when you start writing it down.

Cut Down On Your Expenses

This is where you need to take decisive actions. Cut down on your expenditure so you have more money for your savings account. For example: instead of paying for the internet, a land line and mobile phone, why not make most calls on Skype as calls on that platform are free. Do away with the land line, your mobile phone and Skype should take care of all your calling needs. Can you do away with cable television? If so, why not, that could prove to be a substantial savings at the end of the year.

Assess Your Self

You will need  to assess your position from time to time and determine if you are on course with respect to meeting your goal. Take a look at your progressive income and expenditure. The expenditure should reduce subsequently allowing an increase in savings.

When it comes to money, savings should be your first priority. This is a form of paying yourself first. Even small deposits will add up at the end of the year.  Discipline and consistency are key when building that proverbial nest egg.





Posted by Diane Horrigan on 7/6/2016

Times are tough for everyone and saving everytime you go to the store can really add up. Most people don't realize the true value of a coupon, or how to use them to their full advantage. With a little bit of time, on average you could save 20-30% during each grocery shopping trip and 50-100% each time you go to the drug store. The trick with getting more bang for your buck is matching coupons with the weekly sales at the supermarkets and drug stores. For example, shampoo is on sale for buy one get one free, and you have a coupon for $1.00 off 1 item. If the shampoo retails for $5.00 you will get 2 shampoos for $3.00 (2 @ $5.00 - $2 off in coupons). That's a savings of $7.00! This applies to any item you would buy at the supermarket or drug store. And by stocking up on an item when it's sale price plus coupons make it a great deal, help you to avoid running out and having to pay full price. In addition, some stores have additional savings such as doubling the value of a coupon, or in store coupons that you can use with a manufacters coupon. For example: Walgreens has Bonus Rewards were you earn points on products you buy that add up to money off future items. CVS has Extra Bucks which are like cash off your total. Both drug stores have their own in store coupons (CVS prints theirs on the bottom the receipt or from the kiosk in stores, Walgreens has a monthly coupon book) which can be used with a manufacter's coupon. Find a good week, there is potential to use a manfacuter's coupon, an instore coupon and Extra Bucks on a sale item to get it pennies (at CVS for example)!!! There are a variety of websites that can help you get started as well as give you guidance on what coupons you may have to match with the sales. To name a few: www.couponmom.com, www.hip2save.com, and www.coupondivas.com are great places to start. The savings are endless, you just have to reach out and grab them!




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Posted by Diane Horrigan on 1/28/2015

Housing prices are low, rates are low but how can you buy a house when your funds are also low?  How can you save money for a house while prices and rates are still good? Saving for a home can be different than just saving because you have save such a large amount of money and you don't know exactly how much you'll need.  Here are some strategies on how to save up: 1. Start with small goals. Try saving for closing costs or another smaller amount and then add another goal. Break the down payment into 3%, 5%, 10%, and 20% levels, to help make the savings goal more achievable. 2. Try saving a specific amount of money every month. Instead of saying I want to save $6,000 a year it is easier to say I will save $500 a month. Smaller, more achievable milestones are always good motivators to savings. 3. Ask for help. If people ask what to give you a gift for your wedding, birthday etc. ask them to contribute to your home savings plan. Online sites like SmartyPig make it easy to get other people involved in your savings goals. 4. Create a visual goal graphic. Create a vision board or some kind of graphic that represents what you are saving for. It always helps to see what you are saving for and have a constant reminder. Hopefully, you'll be on your way to a new home in no time.