Declutter—And Ease Your Mind

It happens so quickly: all of a sudden, your home is cluttered and it becomes overwhelming. Rest assured, you’re not alone: one in four Americans has a clutter problem.

If you or a friend needs help decluttering their home, I’m here to help! Follow these easy steps and see how decluttering your home can bring order, and ease your mind, too.

1.Create a timeline. Do you want your home to be fully decluttered within a week? A month? Your timeline needs to work for you.

2.Prioritize cluttered areas and tackle one at a time. Clean before you declutter so everyday items are accounted for.

3.Designate five containers for each space: putting away, fixing, recycling, tossing and donating — and then do it!

Along the way, congratulate yourself on a job well done. When you’re finished, you’ll likely realize you’re in a better mood, feel a decrease in anxiety, and see increased productivity and focus.

Find out the value of your home by answering a few simple questions. By providing your address and home description, the system will produce a complete market analysis through a search for similar homes sold and listed in your area.

When Should You Start Thinking About Estate Planning?"

Though it’s not fun, if you’re a homeowner it is important to think about what will happen to your home and other assets should the unthinkable happen. Being proactive about estate planning ensures your assets will be distributed the way you want them to be, and not left up to the state to allocate on your behalf. And you’re never too young to start thinking about estate planning.

If you or people in your life are in their twenties, here are some things to start thinking about and putting into place for peace of mind, not only for yourself, but for your loved ones, too.

• Take stock of your assets: Make a list of the things you own, like your home, cars, jewelry, artwork, bank accounts, retirement accounts (e.g. 401k, IRA), life insurance, etc.
• Identify debt: List out everything you owe, including a mortgage, car payments, student loans and other outstanding loans.
• Name a guardian: If you have children, you will want to name a guardian who will care for them should you no longer be able to. You’ll want to do the same for your pets, too, to make sure they’re cared for.
• Designate your beneficiaries: Formally name your beneficiaries on bank, retirement and investment accounts.
• Write a will: This document can be as simple as listing out instructions on how to distribute your assets should anything happen to you.

Not Ready to Sell? Text your address to 720-605-1268 to find out what your home will sell for today. You will not receive a phone call, just a text!

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Real Estate Corner . . .

Q:A seller offered to finance me. What does that mean to me?

A.This is one of the options you might consider if you want to buy a home but can’t afford a significant down payment. In a “seller take-back,” the seller holds a second mortgage for you and becomes your lender. You would make your monthly mortgage payments to the seller.

Other ways to buy a home with little down include using local or federal government programs, using a tax refund, and asking a relative or friend for a financial gift. Before you do any of the above, consult a professional REALTOR^®about your options. A REALTOR^®also will provide you with direction and connections to a lender and help you avoid costly traps and pitfalls in the home-buying process.

For more information on down-payment options, ask for my Free Consumer Report“4 Quick Ways To Buy A Home With Little Down.”I’ll send a copy right to you. Do you have a real estate question you want answered? Feel free to call me at720-463-0002.