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DIY Moving Tips



When it comes to moving, there aren't too many choices for you to make. It's either you do it yourself or you hire the professionals. As they each have their perks and drawbacks, which variant you decide on ultimately depends on budget and preference. If you have the extra money allocated specifically for hiring movers, we would recommend that as it comes with the least amount of stress or work on your end. If you decided to go the do it yourself route, here are a few tips to help your move run a bit more smoothly.



Packing

Packing is one those activities that you may think will only take you a short amount of time, that could actually take a quite amount of time. When dividing up which rooms are going to require packing, allocate a few hours for each room. While you're packing your rooms make sure to label every box that you fill. This will keep you better organized once you're ready for unpacking. And don't try to bring everything you currently own into your new home! You have items in your home that you have no need for. These items can be disposed of properly, saving you valuable space. The sooner you start to pack, the less taxing it will be later down the line.


Transportation

Even if you have your vehicle, it more than likely won't be enough to move the entirety of your home in one trip. Some inexpensive alternatives would be to ask family and friends assist you with the transportation. If they are unavailable to help you, rent a moving truck. The truck, like packing, is best to be reserved early. The earlier you decide to book the truck, the less expensive it shall be. When booking the truck, make sure you choose the right size or else you'll be stuck in the same position as taking your own car.


Large Items

Unfortunately none of us are born with super powers, which means some of the items needing to be moved will be too heavy for just one person. If you have free reliable labor available to you, then most certainly use it. If you do not have anyone available to help you with your move, professional movers may be a viable option. If you're dealing with licensed movers, you can rest assured that your heavy items are in good hands. If you give these movers instructions on any weary items you're afraid of damaging they will be extra precautions and you may have peace of mind.


Unpacking

Once all the boxes are in your new home and everything has settled, it is natural to want to kick your feet up and just relax. While your relaxation is warranted, it isn't necessarily the best choice to make. The relaxation may turn into procrastination and it is best to avoid that entirely. Within the first couple days, make sure to unpack as much as you can. It is best to start with the bedrooms first so that you may sleep comfortably on your first night. Afterwards, set aside time to tackle all the other rooms to avoid looking at all the unnecessary clutter.

Photo courtesy of www.realtor.com

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Handling Credit Cards Properly



The time has come for you to get your first credit card. That beautiful shiny piece of plastic that signifies adulthood is finally in your hands, but this beauty comes with great responsibility.

When you get a hold of a credit card, you may feel you no longer have to carry cold hard cash on your person. It becomes second nature to continuously swipe your credit card, but this could lead you down a long dark road.

 
Managing how many times you swipe your credit card can be difficult if you don't stay on top of it, but you probably should. A credit card is a big commitment and could mean thousands of dollars in debt if not managed properly. 
 
Your credit card balance accounts for 30% of your credit score, so it's important to make sure you pay on time as well as try keep your balance anywhere between 10-30% of your credit limit. This one might be difficult, but it just means paying for things in cash and using your card for emergencies; only using 10% of your credit limit looks much better than spending all of the allotted limit.
 
It is very important that you do not make a habit of paying your bills late. According to Trulia, payment history comprises 35% of your credit score, which means missing even just one payment can drastically affect your credit score, hurting your ability to make major purchases in the future. If being late is a problem for you, set up alerts telling you when your payment is due, or sign up for automatic payment to ensure you are paying your bills on time. 
 
Not many people check their credit report and it is VERY important that you do. Every 12 months you are entitled to a free copy of your credit report from Equifax, Experian, and TransUnion, three major credit bureaus. Some bureaus report that anywhere from 10-33% of Canadians spot errors on their credit report. These errors are typically outside of your control, so be sure to review each report carefully. It takes time to get these errors removed, so be proactive about the situation and contact the credit bureau as soon as you notice an issue.
 
It's okay to have a few credit cards; it helps spread your balance across cards. However, be sure not to open too many as this can damage your credit score. With every credit card account you open, you trigger a "hard inquiry" on your credit report which can subtract up to 5 points from your score. If you open one card or two, it may not seem like a lot. However, opening multiple can result in serious damage as well as shorten the average age of your credit account which will then hurt the length of your credit history which accounts for 15% of your score.

Now, if you already have a number of cards open that you don't use and are looking to close them, this can also hurt you. Closing the credit card account can lower your available credit limit as well as reduce the average age of your accounts. So if you do have a lot open and don't use them, make sure you at least charge one purchase to the card each quarter so it is not deemed inactive. If the card is deemed inactive by the company itself, they could close it without any advanced notice. 

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How to Survive Moving In Together



Maybe you thought the only time you'd have to share a small space with someone was college, and yet here you are. Whether you're moving in with friends or a significant other, sharing a space with someone can be tough and you'll most likely need all the help and advice you can get.


Keep in mind that this guide isn't going to put a stop to the conflicts all together. However, it will help relieve some potential conflicts that may arise from sharing a space together. 

 

Ground rules:
You are going to be seeing a lot more of the people you are about to live with; some things will definitely be shocking and disgust you to your very core. Whether you're living with a significant other or moving in with friends, it's important to establish ground rules early on to avoid conflict. 
 
Housework:
Nobody enjoys doing chores. Make sure this is split up evenly, so one of you is not stuck cleaning everything. Clean up after yourself, do your own laundry, and take turns cleaning the bathroom. You both live there, so one person shouldn't be taking on the responsibility as maid. You're sharing the space, so share some of the responsibility. 
 
Finances:
This can get really sticky, really fast, so make sure you discuss this topic before you move in together as well as throughout the move. Again, whether it is a significant other or a friend, sharing a space is a big deal... especially financially! Will there be a joint account that you use solely for the house or apartment? Will you split utilities? Financial situations frequently change, whether you're making more money, less money, or lose your job completely (let's hope this isn't the case). Make sure you're on the same page, financially, after you unpack as well as periodically.
 
Privacy:
This goes hand-in-hand with the next category, but it is so important that you maintain your privacy, especially for a new couple. Sure, you wanna spend every waking moment together, but bathroom activities should be done separately.
 
Spend time apart:
Again, whether you are a new couple or friends, alone time is key. You are literally having a sleepover every night with this person. You are sharing a kitchen, bathroom, and living area. Please, spend some time apart and focus on other relationships in your lives. Your support system will be stronger, and the relationship you have with your newfound roommate with thank you.
 
Show your love:
This topic is more or less for you and your significant other, but it doesn't have to be! Really just make each other feel special; just because you live together doesn't mean the excitement has to end! It's the little gestures that go a long way! 

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