Questions to Ask Before You Submit an Offer on a House

Ready to submit an offer on a house? Not so fast. First, you’ll want to consider a few key questions, including:

1. Can I afford to buy a house?

If you find a house you like, make sure you can afford the monthly mortgage payments. By doing so, you may be able to avoid costly, time-consuming problems down the line.

Ultimately, getting pre-approved for a mortgage can make a world of difference, particularly for a homebuyer who is ready to submit an offer on a home.

With pre-approval for a mortgage, a homebuyer will understand exactly how much money is at his or her disposal. As a result, this homebuyer can avoid the temptation to overspend on a house.

2. Should I submit a “lowball” offer?

For many homebuyers, it may seem like a good idea to submit a “lowball” offer on a house. But doing so may be problematic for a number of reasons.

If you submit a lowball proposal, a home seller is unlikely to take your bid seriously. As such, this home seller may dismiss your offer and move on to other proposals quickly.

In addition, a lowball offer may cause you to miss out on the opportunity to acquire your dream residence.

When you locate the perfect residence, there is no need to leave anything to chance. If you submit a fair proposal that meets or exceeds a home seller’s expectations, you can avoid the risk of losing your dream house to a rival homebuyer.

3. How much should I offer for a residence?

We’ve already established that a lowball offer is rarely, if ever, a good idea. Now, you’ll just need to determine what differentiates a fair proposal from a lowball one.

A fair proposal accounts for the needs of both a homebuyer and home seller. It should be based on the current state of the housing market as well as the condition of a home.

For instance, if you’re operating in a buyer’s market, there is likely to be a broad assortment of homes available. This means a home seller may need to lower his or her expectations due to the sheer volume of quality residences currently on the market.

Don’t forget to study the prices of recently sold homes in a particular city or town too. This housing market data will help you better understand how a residence you’re considering stacks up against comparable houses so you can submit an appropriate offer.

4. Do I need a real estate agent?

A real estate agent will take the guesswork out of buying a home, and for good reason. This real estate professional can help you prepare an offer and will negotiate with a home seller on your behalf. That way, you can streamline the process of going from homebuyer to homeowner.

Hire a real estate agent before you submit an offer on a house – you’ll be glad you did. A real estate agent will guide you along the homebuying journey and ensure you can secure a great house at a price that fits your budget.

What Buyers Forget When Buying A Home

When you’re buying a home, there’s a lot of excitement that surrounds the search and purchase of the property. In the process of buying a home, however, there are many things that buyers forget to take into account during their search and budgeting. Below, you’ll find some information to help you be prepared as a buyer to consider your home purchase from all angles without missing a beat.  

The Expense Of Closing Costs

Remember that closing costs will be somewhere in the 3-5 percent range of the purchase price of a home. Amidst all of your savings, you’ll need to consider this a part of your expenses. Closing costs need to be paid upfront in most cases. You can roll your closing costs into the financing, but it depends on the circumstances. There are no guarantees that the lender will agree to it. Your realtor can also sometimes negotiate for the sellers to pay the closing costs, but in a seller’s market this is quite rare. Be prepared with your closing costs and understand how much you’ll need to spend so that you have an appropriate amount for the downpayment and the other expenses that you’ll incur during the process of buying a home.  

The Cost Of Maintaining A House

Many buyers forget about all of the costs that they will need to pay for after they finish buying the house. In addition to a monthly mortgage payment, you’ll need to pay for things like utilities, routine home maintenance, furnishings, and more. If you completely deplete your savings for the purchase of the home, there’s not a whole lot of wiggle room for you to pay for additional needs in the house. 

The Cost Of Furnishing And Decorating A Home


You may move into a home with a few pieces that you have previously owned. You could also need a lot of things from a bed to a sofa. All of these items can add up. You may even have to worry about little things like window shades, curtains, lamps, light bulbs, and more. 

Home Repairs Can Cost A Pretty Penny

If something needs to be done in your home, the repairs can cost you quite a bit. If you’re not paying attention during the home inspection, you’ll be in for some surprises. That’s why you need a good realtor to help you through the process. A new roof can cost thousands of dollars. New appliances are an expense you should plan for. Other major work that needs to be done around the house can also dip into your savings significantly. As a buyer, you need to be prepared for any of these expected or completely unexpected costs.           

Household Items You Might Not Know Are Recyclable

Household recycling has become easier than ever. Many towns and cities offer free recycling pickup, and even private waste management companies are implementing recycling programs.

There are a number of advantages to recycling. It helps protect the environment by reducing the amount of waste and making it easier to reuse raw materials. But, recycling is also advantageous to homeowners who don’t want to pay hefty fees for trash pickup when they can often recycle for free.

One of the more difficult aspects of household recycling is the learning curve of actually learning what is and isn’t recyclable. Homeowners might think something is recyclable because it’s made from plastic, only to find out later that it’s a specific type of plastic that can’t be recycled. On the other hand, you might be throwing some items in the garbage, filling up your bin each week when you could be recycling it instead.

In this article, we’re going to talk about some of the lesser known items you could be recycling. We’ll also cover some items you shouldn’t throw in your recycling bin, and give you tips on how to tell which is which.

Things that shouldn’t find their way into your recycling bin

It’s easy to assume that just because something looks like paper, plastic, or glass, that it can be tossed into your recycling bin. However, that isn’t always the case. Look out for these items that may not be recyclable in your area.

  • Used paper food containers. Pizza boxes are one of the biggest culprits that end up in recycling bins when they shouldn’t be. Items like paper food containers, use paper towels, and paper plates are all soiled with grease and other food residue making them ineligible for recycling.

  • Those glossy drink cartons made from unknown materials. There’s a good chance that if you can’t find a recycling logo on it somewhere it can’t be recycled. However, a growing number of cities are accepting milk cartons, so be sure to check on the rules in your area.

  • Plastic shopping bags. Those flimsy bags that you get from the supermarket? You can’t recycle those. As a result, many cities and stores are encouraging the use of reusable shopping bags. If you forget your bags at home, however, fear not: many supermarkets now accept your used plastic bags to be recirculated.

So that eliminates a lot of common household waste from being recycled. However, there are plenty of items you might not be aware of that can be tossed into the recycling bin.

Lesser known recyclable items around the house

Even if something isn’t eligible for curbside recycling doesn’t mean you should just toss it into the trash. There are many items that you can drop off or donate. Here are just a few items that are likely sitting in your house right now:

  • Old cell phones and electronics. Our gadgets are becoming obsolete at an ever-increasing rate. That means many of us have a lot of old tech junk sitting in boxes in our basements. The good news is that several stores accept free drop-offs of old electronics for reuse and recycling.

  • Mattresses and furniture. Large items like mattresses and old furniture are a pain to get rid of. They’re also likely useful to someone out there. For mattresses and box springs, try contacting retailers to see if they reuse them for materials. Furniture that is still in usable condition can be placed on Craigslist or donated to a thrift store like Goodwill or Salvation Army.

  • Oil and ink. Run out of ink in your printer? Online retailers will often pay you for your old cartridges. Also, if you recently changed your oil, drop it off at an auto parts store to be recycling into other automotive materials.

Keeping Up With Your Goals

Sticking To Your Goals

Each new year brings with it new beginnings. Some ambitious goals and priorities are set. Some people make their resolutions to lose weight; others make decisions to follow their dreams. As the year advances and as we approach the next month, those goals and resolutions become less tangible and become allusive. There are some ways that you can allow yourself to take baby steps in achieving your goals and succeeding.

First things first, find out the “Why” of your goal. What is motivating you to do what you are doing? If the goal is to lose weight, define the underlying reason. Is it to become healthier, is there a trip coming up, summer body? Will this goal affect your life for the better? How will it affect your relationships? When you understand the ultimate reason for your goal, it will help keep you on track in those moments of weakness. 

Set A Schedule

Setting a schedule can also help you visualize achieving your goal. Some daily planners are inexpensive and helpful to use in your day-to-day life. If you prefer to have your planner handy at all times, utilize the calendar on your phone. There is something about seeing your goal and reminding yourself of what you are trying to achieve.

Accountability

If you are someone that needs others to cheer them on, tell a friend or someone that you can be accountable to. Having a person that you can talk to during the process and that can cheer you on is beneficial in achieving a goal. Disappointing others is always a motivating factor when someone wants to change their lives for the better.

Track Your Progress

When setting yourself up for success, make sure to track your progress. Seeing progress is also a motivating factor to push you further onto your achieving your goal. If a goal is to get out of debt, watching that balance begin to decrease will encourage you to stay on track. Remember that small steps will lead to great success.

Cut Yourself Some Slack

Lastly, do not be hard on yourself. Change is not simple and does not happen overnight. Its consistency, dedication, and discipline that ultimately leads to the biggest win. Having a positive attitude can lead you to a more significant outcome. Provide yourself with words of affirmation and forgiving yourself in times of weakness.

A famous quote says when you fail to plan; you plan to fail. Having a game plan in achieving your goals is essential. Take your time and enjoy the process.