Kim Daneault
KELLER WILLIAMS REALTY / Metropolitan | 603-345-7783 | kim-d@kw.com


Posted by Kim Daneault on 1/28/2018

These days keeping track of your money can be a hassle. Between all the different ways you can spend your money it’s easy to lose track of your spending. Luckily there are some great apps for money management. Below are a few favorites— all rated with 3.5 stars and up. LearnVest: LearnVest is a money management platform, but it’s also much more. You can link up your various accounts to keep track of your spending, savings and goals (that you set). But the best part about this app are the articles you receive via email from them. The articles that they send are full of helpful information related to early retirement, saving for your wedding, how to pay down debt, rebuilding bad credit, smart saving, and so much more. Every article is worth the read. This app is available on iOS. Mint: Mint is a well-known money management platform. You can hook up your bank accounts, credit cards, 401k and loans and set up budgets. The app utilizes graphs to show you how you spend your money and provides you with bill reminders. It will even give you your net worth. The only downfall to the app is that it has a difficult time connecting to small banks’ online banking systems. This app is available on iOS and Google Play. Daily Budget: This is a do-it-yourself app. If you are one that is weary about putting your personal banking information onto your phone then this is the money management app for you. You plug in your income, reoccurring expenses and it gives you a daily budget. You can add in additional income and expenses as they occur. But, you will have to pay for the full version if you want to utilize all income and expense categories. This app is available on iOS. Comparable apps are available on Google Play. Prosper Daily: This app’s main emphasis is on protecting your accounts. You can link up your bank accounts and credit cards and approve or deny charges as they occur. But, it is also good for a high level review of your accounts. You are able to view your balances on your credit cards and checking account all in one place. Another pro of this app is that you are able to categorize your charges making it easy to keep track of what you are spending your money on. One of the great new features now available is the ability to view your credit score. And beyond that it provides insight into why your score is the way it is and how to improve it. This app is available on iOS and Google Play. These apps will aid you in getting in front of your spending and back in control of where your money is going. Be sure to take full advantage of the offerings that each app has, as it will only benefit you in the long run.





Posted by Kim Daneault on 5/28/2017

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.
 







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