Courtesy of Jonah Franklin
MOVINGCHECKLIST Planning a move? If so, keep yourself feeling organized – and calm – with this step-by-step checklist. Two Months Before Moving: � Go through every room and begin purging items you won’t be taking with you. • If you plan on hiring a professional moving company, start researching reputable ones in your area. � Organize important documents and create a folder or binder for moving-related receipts and paperwork. Six Weeks Before Moving: � Start gathering supplies. Get boxes from local stores, borrow storage containers from friends and family members. Buy whatever else you need – such as packing tape – so it’s on hand. � Begin using up food products you don’t want to take with you – such as frozen items. � If possible, take measurements at your new home to ensure your existing furniture will fit through doors – and in the rooms. One Month Before Moving: � If you’ve decided to hire a mover, confirm your moving date. � Begin packing items you use infrequently, such as off-season clothes or special-occasion decor and dishes. � Go to post office and set up mail forwarding so it begins after you’ve moved. � Notify banks, insurance companies and other important parties of your change of address. Two Weeks Before Moving: � Inform your place of employment that you’ll need time off on or around moving day. • Take your car in for a checkup. It’ll be nice to start your life in a new home with a freshly tuned car. Plus, if you’ll be using it to transport items across a distance you’ll want to make sure it’s in top shape. One Week Before Moving: • Start emptying and cleaning the fridge and freezer. • Take care of any last minute details before the big day. Moving Day: • If you’ve hired a mover, ensure that the truck that shows up indeed belongs to the moving company. Once your items are delivered, verify they’ve all arrived in good condition before signing off. • If you and your loved ones are handling the move yourself – try to have some fun! Take breaks, eat some tasty takeout and take challenges with a grain of salt.
TIPSONSAVINGFORADOWNPAYMENT If saving for a down payment feels impossible, you aren’t alone. It can be hard to find extra money to put into savings when bills, groceries and the cost of living are so high. Financial experts say it’s all about being smart and making small changes – ones that translate into big savings over longer periods of time. Here are three things you can do today that will help you save for a down payment. Pay off your credit card and other debts. Putting money toward something that isn’t your savings account may seem counter intuitive, but if you have a large amount of debt, your minimum payments are simply going toward interest – interest that you’ll eventually have to pay off anyway. Start with your smallest high-interest debt. Once that’s out of the way, move onto the next. Each time you pay off a debt, you’ll be able to put the extra money toward the next. Do things cheaper. Do you buy a lot of new clothes? Switch to secondhand. Go out for dinner? Watch for two-for-one coupons or try cooking new meals at home for added fun. Saving up for an expensive vacation? Move that money over to your down payment savings and visit local attractions instead. For family fun, reading, or technology needs – the library is a money-saver’s best friend. Most libraries host community events on a regular basis – often for free. Plus, you can check out books and rent movies all for the low cost of a yearly membership. Check if your city has a program for first time homebuyers. In the past, some cities across Canada have offered to help new homebuyers with a down payment. Usually initiatives such as this are meant to help first time buyers get into the market in an expensive city, as well as to draw buyers to parts of a city that are being redeveloped. Previous cities to offer such a program include Winnipeg and Surrey. The money has to be repaid over a set number of years, but without interest.
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