Jane Cheetham - RE/MAX Acclaim



Posted by Jane Cheetham on 11/5/2019

In this day and age, there’s no reason to have to worry about forgetting to pay your bills on time. There’s also no reason to have to write a check or even log into a website each month to pay your bills.

Using a combination of digital tools, it’s possible to fully automate your bill-paying process so that you can spend less of your free time trying to remember your passwords and entering debit card numbers and more time doing the things that make you happy.

Benefits of auto-pay

There are plenty of reasons to automate your household bills. More free time and less time stressing about money are two of them. But, did you know that automation can also be a great way to help you boost your credit score?

Late payments on mortgages, student loans, utilities, internet, and cable bills can all negatively affect your credit score. By setting up auto-pay, you can make sure you make your payments on-time, helping to build your credit.

Another huge benefit of bill automation is that you can actually earn money and other rewards by making on-time payments.

For example, setting up your bills and utilities to charge to a credit card with cash back rewards can help you earn money by paying your bills. The one caveat is that you need to make sure you pay off your credit card balance in full each month. How do you do that? With auto-pay!

Where to automate

As I mentioned before, many monthly bills can be charged to a credit card which you can use to earn rewards. However, you won’t be able to use a credit card for all of your bills. Mortgage payments, student loans, auto loans, and oftentimes utility companies will require a checking or savings account with a routing number.

In these cases, it’s still possible to set up auto-pay through either the company’s website, or through your bank’s bill-pay feature.

Need help with a list of things you could be automating? Consider setting up auto-pay or bill-pay for these services:

  • Cable

  • Internet

  • Cell phone

  • Electricity

  • Entertainment (Netflix, Amazon Prime, Hulu, Spotify, etc.)

  • Rent

  • Mortgage

  • Student Loans

  • Insurance

Automation of the future

So, we’ve covered some of the most common ways to automate your home expenses. However, recent technologies are making it even easier to run your home and keep up with the bills.

One new innovation is Amazon’s Dash button. This service enables you to just tap a button on your smartphone or tablet whenever you need to order new pantry items for the home. Alternatively, you can subscribe for common household goods like cleaning productions, paper towels, and dish soap so that you never run out. And, with Amazon Prime, you don’t have to worry about shipping costs.


Between home automation and auto-pay, you should be able to make your home significantly easier to manage and reduce the amount of stress related to paying the bills.





Posted by Jane Cheetham on 10/29/2019

The age-old problem of trying to stretch your household budget is a challenge nearly everyone grapples with at one time or another. If you're confounded by the fact that your paycheck(s) seem to disappear within days of depositing them, it may be time to examine your spending habits.

Creating a written budget is often an eye-opening experience, especially if you haven't taken the time to do that recently -- or ever! Itemizing all your monthly and periodic expenses can not only help you realize where the money's going, but it can also give you a greater feeling of control over your life. As an added bonus, reviewing your household budget a couple times a year will also increase your awareness of your debts, your income, and your spending habits. Once you know how tight your budget is and whether you need to reduce expenses or increase income, you'll be in a stronger position to effectively manage your family's finances.

  • Creating a budget: Whether you prefer to use spreadsheets, software, or just a simple income-versus-expenses chart, setting up a budget will help put you in the driver's seat of your cash flow situation. While there are many distinctions between running a business and managing a household, there are probably more similarities than differences!
  • Identifying "money leaks": If your family's budget seems tighter than you'd like it to be, one possible reason is that you're spending more than you need to on some expenses. The perfect examples are homeowners' and automobile insurance. You've probably seen and heard countless ads for well-known insurance companies that say they can save you hundreds of dollars a year on your insurance policies. If you've been dismissing those claims as mere hype, consider the possibility that you may actually be paying more on your insurance premiums than necessary. It may be worth your while to have your insurance agent review your policy with you to make sure you're getting all the coverage you need and the discounts to which your entitled. The best way to remove any doubt is to get two or three quotes from other reputable insurance companies. You can often do this through email or online, so you shouldn't have to go to time-consuming office appointments just to get a few insurance quotes. To compare "apples to apples," make sure to use identical coverage amounts and deductibles for each estimate your seeking; hopefully the agents you deal with will remind you of that. It's also possible to save hundreds more dollars a year by contacting your cable TV company, Internet service provider, and cell phone service (It might be one company) to discuss ways your bill can be lowered. The first step would be to examine your latest invoice and determine whether you're paying for services you don't use or need. If you see charges that are excessive or confusing, don't hesitant to get on the phone and have those issues clarified. If inconsistent utility bills are a problem, then switching over to a monthly budget plan will make your expenses more predictable and manageable.
While there are many strategies for reducing your expenses and regaining control of your household budget, information and a healthy sense of skepticism can often be your most valuable resources.





Posted by Jane Cheetham on 10/24/2019

This Single-Family in Sutton, MA recently sold for $375,000. This Contemporary,Multi-Level style home was sold by Jane Cheetham - RE/MAX Acclaim.


184 Burbank Rd, Sutton, MA 01590

Single-Family

$380,000
Price
$375,000
Sale Price

7
Rooms
3
Beds
2
Baths
Great price and value! Spacious contemporary home set on nearly 2 ac retreat lot on scenic Burbank Rd.The home offers an open living first floor plan- a Great room with 19' vaulted ceiling, pendant lighting and French doors- completely open to the kitchen. The Great room area opens to a lovely 4 season room, which has a multitude of use and offers a wood, vaulted ceiling, skylights and walls of glass.Two bedrooms are on the 1st floor while master bedroom and loft are on the 2nd. Finished room in LL provides add'l space. Heat was converted to HWBB/oil from electric heat 13 yrs ago. Ductless AC/heat units on both floors (4 total), roof (6 yrs ago) and replacement windows (exception 4 season rm and garage) were done under current ownership. All appliances remain, including w/d.Wrap around deck off 4 season room.Propane generator remains.Security system.Title V in hand.Located on the north side of Sutton-convenient to a multitude of shopping and major hgwys- Rts. 146, 20 & I-90.

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Categories: Sold Homes  


Posted by Jane Cheetham on 10/22/2019

For a home seller, hosting an open house can be a double-edged sword.

On the one hand, an open house provides an opportunity to showcase your residence to large groups of prospective homebuyers. Conversely, hosting an open house also requires lots of preparation, and getting ready for an open house may prove to be overwhelming, time-consuming and costly.

Lucky for you, we're here to help host an unforgettable open house.

Now, let's take a look at three factors that a home seller needs to consider before an open house.

1. The Current Condition of Your Home

Although you might believe that your home is currently open house-ready, it may need some work. Fortunately, there are many ways to learn about the strengths and weaknesses of your residence and plan your open house accordingly.

For example, a home appraisal may prove to be exceedingly valuable. This appraisal enables a home inspector to review your residence both inside and out. Then, he or she can offer home improvement recommendations so that you can upgrade your residence as needed.

Take a home appraisal report seriously. By doing so, a home seller can transform an ordinary residence into one that matches or exceeds homebuyers' expectations during an open house.

2. The Home's Interior or Exterior

Homebuyers are drawn to residences that feature dazzling gardens, clutter-free interiors and other stunning features. Thus, a home seller who dedicates the necessary time and resources to bolster a house's interior and exterior can increase the likelihood of hosting a successful open house.

To improve a home's interior, a home seller can scrub the floors, clean the walls and ceilings and perform assorted home interior maintenance and improvements. In addition, a home seller should depersonalize and declutter a home's interior as much as possible.

Comparatively, to enhance a house's exterior, a home seller should mow the front lawn, clear debris and dust from exterior walkways and ensure the house looks great to passers-by. With simple home exterior improvements, a home seller can boost a house's curb appeal and help a home stand out from other available residences.

3. Your Real Estate Agent

Let's face it – prepping for an open house can be stressful. However, a real estate agent can help a home seller get ready for the best- and worst-case scenarios.

A real estate agent will help a home seller prepare his or her residence for an open house. Next, he or she will promote the open house to potential homebuyers and collect feedback from them throughout the event.

After an open house reaches its conclusion, a real estate agent will offer honest, unbiased insights into the event. He or she also will keep you up to date about any potential home offers and ensure you can make informed home selling decisions.

Take the guesswork out of preparing for an open house. Consider the aforementioned factors, and you can get your residence ready for an open house in no time at all.




Categories: Uncategorized  


Posted by Jane Cheetham on 10/15/2019

The garage can be a haven for your vehicle or a total dumping ground for everything else under the sun. Sometimes that space can become the black hole that you just toss items at when you're in a hurry to move on with other activities. 

Then Spring cleaning fever hits and you are determined to get the garage cleaned out and make it more useful to you and your family. Envisioning space for your car(s), sports equipment, tools and holiday decorations you dive into the weekend project of sorting through and organizing all the stuff.

Useful and Necessary

Emptying everything out of your garage space out into the light to sort through can be half the battle, so enlist the help of the entire able-bodied household member. Put your items in categories when you take them out, this will make evaluating what to keep easier. Take your lifestyle into consideration and then rank each grouping by how often you use them. By the frequency of use, you can assign the proper location. 

Once empty, you can see the layout of your garage space and how to create areas for storage. Frequently items up front towards the garage door for easy access. Holiday storage or seasonal items stored in the back or even up high on shelves or ceiling racks. Once you understand what things will be going back into your garage and the space you have available for storage you can decide how to keep your items organized.

Containers galore

You may dream of neat and tidy boxes all in a row, clearly labeled and uniform in size. That is mostly just a dream. Your items are of all shapes and sizes and need their own individual way of storage. Try to stay away for cardboard boxes since garages can be damp. Clear boxes can help you find your items quickly without having to label. Remember that you can hang things on the wall like yard tools or sports equipment. 

Many creative storage options can be found out there to help you make the most of your garage storage possibilities. Taking a look online can help you find what may work for you. Whatever you choose make sure it has ease of use for those individuals that will be assessing those items on a regular basis.

Take a tour of your local open houses and make sure to peak into the garage space and note the storage possibilities.