Garden Savings

              

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http://home.howstuffworks.com

http://tiny.cc/TeamWarzon

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Money Saving Minute #040
Garden Savings

Kip Warzon     NMLS 289451

Keeping a flower or vegetable garden can put a lot of demands on your time and your wallet. However, there are some things you can do to lighten the budget and free up your gardening schedule. Here are some money-saving gardening tips:

Slugs are harmful to your plants but can be easily dismayed by beer.  That’s right, slugs love beer.  Bury an empty jar or plastic tub in the garden soil. The top rim should be level with the soil surface. Fill the container with beer and leave it overnight.  The slugs will crawl in and no more slug. Empty the tub every day or two then rebury and refill with beer.  Repeat until the tub makes it through several nights without a guest.

If you go through a lot of labels save some money by creating your own by cutting plastic milk jugs or yogurt cups into strips.  Saves money and when they are no longer usable they are recyclable.

Removing an unsightly old tree stump from your yard can be expensive. An alternative is to make it into a planter. In nature, old stumps slowly begin to decay and provide fertile places for ferns and other interesting small plants to grow.

For more great home gardening tips visit http://home.howstuffworks.com.  And for great tips and tools save on your Mortgage, credit cards and more visit us online at http://tiny.cc/TeamWarzon

Mortgage Insurance Defined

              

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Money Saving Minute #039 - Mortgage Insurance Defined

Kip Warzon     NMLS 289451

Mortgage insurance is a policy that is required by a lender when a buyer less than 20% down payment or a home owner has less than 20% equity in their home.  To be clear, mortgage insurance does not protect the property.  Mortgage Insurance is in place to insure that the lender does not lose money should a borrower default on their loan. 

If you are currently paying MI you should contact a qualified lender to see if there are other options available.  Your lender may be able to explore refinance options that will eliminate the monthly mortgage insurance payments even with less that 20 percent equity.  

Lower Your Cable Bill

              

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Money Saving Minute #038 - Lower Your Cable Bill

Kip Warzon     NMLS 289451

Most of us are not happy about the amount of money we spend to watch TV however not many people will take the time to call their provider and simply ask for a lower rate.  No company wants to lose your business. Often, a conversation about your cable, Internet and / or phone needs can result in a bill reduction.  This is especially true if your contract is nearing expiration, or you are no longer under contract.  Most providers offer dozens of promotional package so it’s worth exploring your options.  Once you find the promotional package that fits your needs and budget, mark your calendar with a reminder to call back in eleven months to transfer into a new promotion.  

Credit Cards

              

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Money Saving Minute #036 – credit cards

Having a credit card in your wallet is a lot like adopting a Pit Bull as a pet.  When properly trained they can be your best friend…when left to run wild they can be trouble.

A properly trained credit card will not be used as an extension of one’s earnings.  The mentality of “I can’t afford it today but I can afford the minimum payments” is what will get a borrower into trouble.  Instead one should think of credit cards as a way to help them track their spending as well as earn rewards or cash back.  If you can afford to pay off the balance each month you are using your credit wisely.  If you can’t pay off the balance each month stop and ask yourself if you need the purchase enough to pay 18 to 25 percent more for the item.

If you are currently carrying balances on your credit accounts go to this webpage and download the credit card calculator.  This will help you to set up a target payment to get those balances paid off.

http://tinyurl.com/MSM-CCcalc

For more information about this or anything home loan related please contact Team Warzon.

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