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How to Negotiate Lower Rent in Your Current Apartment

Published or updated October 23, 2012 by Melissa

In this market, many new renters are freely negotiating with prospective landlords on the price of rent and having success.

However, what if you are currently locked into a lease and don’t really want to move?

If you have been in your apartment for several years, before the downturn of the housing market, you may be paying up to a couple hundred dollars more than new tenants.

Luckily, there are still ways you can negotiate a lower rent payment.

How to Negotiate Lower Rent in Your Current Apartment

Know the market.

[Read more…] about How to Negotiate Lower Rent in Your Current Apartment

Filed Under: Home, Saving

How to Get a Bargain When Apartment Hunting

Published or updated October 23, 2013 by Melissa

The uncertainty in the housing market along with more stringent lending standards is driving more people to rent rather than buy.

Even though there may be more people in the renting market in addition to the usual renting population, there are also more people turning the homes they own into rental units rather than having their home languish on the market for months or years.

This means that the rental market, like the housing market, is currently a renter’s market.

Here are some tips to take advantage of this and get a bargain when apartment hunting.

[Read more…] about How to Get a Bargain When Apartment Hunting

Filed Under: Home, Saving

Could Changes to the Home Affordable Refinance Program (HARP) Benefit You?

Published or updated May 26, 2013 by Miranda

In 2009, the government rolled out the Home Affordable Refinance Program (HARP). The program is meant to help those who are underwater on their mortgages refinance into a more affordable monthly payment.

Unfortunately, some of the requirements for participation in the program limited its effectiveness.

In order to expand the program so that it reaches more homeowners, some changes have recently been made to HARP.

Main Changes to HARP

[Read more…] about Could Changes to the Home Affordable Refinance Program (HARP) Benefit You?

Filed Under: Home Tagged With: Budget, HARP, Money, Mortgage, refinance

Condo Fees You May Not Be Aware Of

Published or updated October 15, 2012 by Melissa

Many 20-somethings graduate college and move to the city.  Not quite ready for homeownership, many of them may consider buying a condo.

Recently, I observed a billboard for a condo building in downtown Chicago that piqued my curiousity because it clearly was seeking to attract young professionals.  I went home and looked on their website, which was sleek and obviously catering to the 20 to early 30s crowd.  There were beautiful pictures of the high rise from the outside, pictures of the inside of different condos highlighting the beautiful city view, floor plans, and even interviews with a half dozen of the residents (all of them young professionals except for the token near retirement empty nester).

What really caught my interest was their page that declared, “You Can’t Afford Not To Buy!”

[Read more…] about Condo Fees You May Not Be Aware Of

Filed Under: Home Tagged With: condo fees

Homeowners Insurance Coverage: Are You Truly Covered?

Published or updated December 4, 2012 by Miranda

One of the biggest purchases you make is your home. It is an expensive item to own, and its protection is quite important if you want to maintain financial freedom.  After all, if something happens to your home, it can be quite expensive to fix.  Insurance is purchased to help you afford unexpected problems, and this includes homeowners insurance.  However, it is important to realize that not every situation is always covered by homeowners insurance.

Before you consider that your entire home, and everything in it is covered, it is important to double check what is actually covered by your policy.  You may need to purchase additional insurance coverage if your homeowners policy is lacking.  Here are some of the more common items not covered by some homeowners insurance policies:
[Read more…] about Homeowners Insurance Coverage: Are You Truly Covered?

Filed Under: Home, Insurance Tagged With: homeowners insurance, homeowners policy

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A Little About Me

Glen CraigI'm Glen Craig - I used to live paycheck-to-paycheck, drowning in credit card debt. I turned that all around and now I build wealth rather than debt.

My goal is to make personal finance easy for you.

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