12 Tips for an Easier Move

As exciting as it is to move into a new home, not many people look forward to the actual moving day. Whether you are moving across town or across the country, moving is stressful. Here are some helpful hints from expert movers to make the big day a little more bearable.

1. Schedule your move well ahead of time. Moving companies get booked up weeks in advance, so don’t wait until the last minute to schedule your move. Make sure they know ahead of time if you have any very large or heavy items to move. The last thing you want is for the movers to show up with a truck that isn’t big enough or without enough people to move your belongings safely.

2. Consider letting the moving company pack your items. If it’s within your budget to hire packers, it may be money well spent. Packers are usually very efficient and take time to wrap fragile items securely. Packers will usually pack you the day before your move, so you don’t have to pack items away that you may need up until the day of your move.

3. Schedule services. Don’t forget to have services transferred or started at your new home. These may include:
Power
Water
Trash service
Internet/TV/Phone
Gas
Lawn service
Pool service
Security system monitoring

4. Have your new home professionally cleaned. If your seller is not arranging for cleaning to be done prior to closing, arrange to have it done before you move in so that you won’t arrive to a dirty house.

5. Pack a moving supply box. Your moving supply box should contain items you may need while you are unpacking and getting settled in your new home, such as:
Toilet paper
Paper towels
Sponge
All-purpose cleaner and glass cleaner
Shelf liner paper
Scissors
Furniture moving pads
Tape measure
Cordless screwdriver
Hammer
Picture hanging kit
Bottled water, snacks, pet food
Paper plates, cups, and disposable utensils
Dish Soap and Hand Soap

6. Make Your Bed. As soon as your bed frames and mattresses come off the truck, put them together or have the movers put them together, and make them up. Pack your sheets, blankets, and pillows together in well-marked boxes so you can find them easily. When you are ready to collapse at the end of moving day, you’ll be thankful the beds are made up and ready to fall into.

7. Ditto for your towels and bath soap. Pack bath towels and soap with your bed sheets so you can jump in the shower before retiring without having to search for towels.

8. Make Plans for Your pets. The last thing you need on moving day is a stressed-out pup or kitty, or worse, one that escapes in an unfamiliar neighborhood. Make plans for your pets to spend the day with family or friends, a pet sitter, or boarding facility until you are ready to introduce them to their new home.

9. Say Yes to Helpers. Sometimes it’s hard to accept extra help from family or friends if you aren’t sure what they can help with. Here are some tasks you can delegate:
Lay shelf liner in the kitchen and bathroom cabinets and drawers
Unpack and put away your kitchen items (you can rearrange later!)
Babysit or keep your children occupied
Make up your beds, place towels in the bathrooms
Wipe down cabinets and counters
Break down packing boxes
Hang clothes in closets
Organize tools and equipment in the garage
Pick up lunch or dinner

10. Hire a Sitter. If you have little ones, they will be very excited about their new home, new rooms, and yard. They will want to be with you, but they will not be interested in unpacking boxes! Make plans for someone to be available just for them, so you can concentrate. A family member, friend or hired sitter can help them explore their new surroundings, build a box fort, or organize their toys in their new rooms without you worrying about where they are.

11. Hire someone to hang your art. Unless you love to hang things yourself, you might consider having a handyman scheduled to come in and hand your wall art and window treatments for you. This can save you a great deal of time getting settled. If you need help deciding where to hang art or portraits, a decorator may be a better choice than a handyman. They can help you decide on placement and hang items themselves or direct a handyman where to hang items.

12. Check out of the old house. Prior to closing, you should have submitted a change of address form with the post office. You’ll also need to remember to leave all keys and garage door or gate openers, and make sure the movers don’t pack up things like ceiling fan remote controls or other loose items that stay with the house. Don’t forget to clean out spaces like the attic, backyard sheds, crawl spaces, or any other hideaway spaces you might have stored items. It’s always nice to have the home professionally cleaned for the new owners, and, if you feel inclined, leave a list of recommended local vendors for household services.

 

DEBBIE SPENCER GROUP
REALTOR®, CRS, SRES
m: 617-285-7300
t: 781-860-7300
e: debbie@thedebbiespencergroup.com
1 Militia Drive, Suite 204, Lexington, MA 02421

www.thedebbiespencergroup.com

Debbie-Spencer-Group-KW-Logo

Upsize or Downsize: What’s Your Best Move?

Deciding if it is time for your family to upsize or downsize is not always a clear choice. There are factors to consider that might push you to take the leap or stay put for a while longer. Whether you are thinking about upsizing so your family can spread out or purging possessions so you can downsize, here are some questions to ponder.

1. How are you using your current space?
Do your family members feel like they don’t have adequate privacy or space to do their own thing?  Are you tired of working at the dining table and really need an office or workshop? Is having the kids share bedrooms just not working out? Maybe an upsize is warranted. On the other hand, do you have rooms that aren’t being used, or are you tired of paying property taxes on more house than you need? Check for the downsize column!

2. Have you considered the maintenance costs?
If upsizing is on your mind, consider the added costs for maintaining a larger home and property, whether in money or time. Will you be able to keep up with cleaning, lawn care, and general maintenance issues that come with owning a home? If you are ready to cross maintenance off your to-do list, perhaps you are ready to downsize to a more manageable property or one where the HOA handles part of the job.

3. What are your outdoor space needs?
Are you ready to give up having a yard or garden to downsize to a maintenance-free space? Do you have pets that need outdoor space? Do you need more outdoor space for your children to play or your dog to run around in? The size of the house is one thing, but the property is important also.

4. Have you looked to the future?
What do you expect your needs to be in the next five, ten, or twenty years? Do you want a large home where your children and grandchildren will come for vacations and holidays, or will you be spending those times at their homes? Will you want to entertain groups of friends, or do you foresee going out for your entertainment? What will happen if your spouse passes; will you want to stay in the home on your own?

5. Do the financial implications add up in your favor?
Can you handle the higher costs involved with a larger home, or are you ready to cut costs with a downsize? Consider where you stand on your current mortgage. Are you alright with starting a new mortgage at this point in your life, or are you in a position to purchase in cash? What are the tax implications for your move?

6. Is it the right market to upsize or downsize?
A seller’s market is hot for those looking to sell a larger home and downsize. Upsizing may be riskier in a big seller’s market, but if your family would be happier in a larger home, it might be worth the leap.
Whatever questions you have about purchasing your next home, I’d be honored to assist you. So let’s work together to make sure your next move is the right one.

 

 

DEBBIE SPENCER GROUP
REALTOR®, CRS, SRES
m: 617-285-7300
t: 781-860-7300
e: debbie@thedebbiespencergroup.com
1 Militia Drive, Suite 204, Lexington, MA 02421

www.thedebbiespencergroup.com

Debbie-Spencer-Group-KW-Logo

8 Reasons Why Real Estate is the Best Investment

Real estate has long been considered a solid investment for many reasons. It is a relatively safe and easy way for people to build wealth beginning with a small amount of money. If you are interested in investing in real estate, I’d be happy to help you find the right properties.
Here are some of the ways investing in property can help you build an investment portfolio.

1. Real estate investments can provide you with a reliable and steady cash flow. Investing in rental properties is relatively easy as expenses are predictable and if your properties remain occupied you know what to expect in terms of profit margin.
2. Real estate appreciates in value. Real estate consistently appreciates, even during economic downturns, making it one of the more reliable investments. On average, real estate in the US appreciates between 3-5% annually.
3. Real estate investments help you retire. If you have been paying on your mortgage throughout your working years, you will experience greater cash flow as you near the end of your mortgage term and the principal is paid off.
4. Real estate sales are taxed at a lower rate than other income. When you sell your property, you are taxed short- or long-term capital gains which are usually lower than income tax brackets.
5. Real estate equity can be leveraged. One of the most attractive reasons for investing in real estate is the ability to leverage your money. When you take out a mortgage to purchase property you reduce the amount of capital required. As you build up equity in the property, you borrow against the equity or refinance the original loan, freeing up cash to buy another property.
6. You have control to improve upon your asset. Unlike an investment in stock, where you have no control over how it performs, you can improve upon your real estate investment. Updating or upgrading systems, finishes, appliances, and landscaping helps build value in your investment.
7. Real estate gains taxes can be deferred. Under the 1031 exchange tax code, you can invest the gains from the sale in one property to the purchase of another property without paying taxes on the gains.
8. Real estate investments are depreciable. This is confusing, but you can legally claim a depreciation expense on an investment property even though the value of your investment property is actually appreciating. The depreciation deduction allows investors to generate a higher cash flow while reporting a lower income for tax purposes.

 

 

DEBBIE SPENCER GROUP
REALTOR®, CRS, SRES
m: 617-285-7300
t: 781-860-7300
e: debbie@thedebbiespencergroup.com
1 Militia Drive, Suite 204, Lexington, MA 02421

www.thedebbiespencergroup.com

Debbie-Spencer-Group-KW-Logo

Your best friend in real estate? It’s your credit

Your best friend in real estate?
It’s your credit
I always have my buyers get familiar with the 4 C’s of building credit so they’re prepared to receive the best loan terms possible.

Credit: This is a reflection of your financial past. Do you consistently make payments on time? If yes, lenders perceive you as less of a risk and more likely to approve your loan application.

Capacity: This is your ability to repay a loan based on your income and employment history. It’s not just about having the funds but also about a track record of financial stability.

Capital: Assets or cash reserves can be used to repay your loan if your income isn’t enough. It’s like a safety net that lenders look for when deciding whether to approve your loan.

Collateral: This is something of value that you can pledge as security against the loan. In case of default, it can be seized by the lender. In the context of real estate, the home itself often serves as collateral.

Good credit is essential because it directly impacts your mortgage approval prospects, competitive interest rates, and down payment requirements.
On the other hand, a subpar credit score can make securing the best terms challenging, but don’t be discouraged if your credit isn’t perfect right now.
Building a strong credit takes time and dedication. Small steps can lead to significant improvements.
If you have questions about how credit affects real estate financing or need guidance on improving your credit score, reach out to me and I can send over some resources!

 

 

DEBBIE SPENCER GROUP
REALTOR®, CRS, SRES
m: 617-285-7300
t: 781-860-7300
e: debbie@thedebbiespencergroup.com
1 Militia Drive, Suite 204, Lexington, MA 02421

www.thedebbiespencergroup.com

Debbie-Spencer-Group-KW-Logo

Boujie On a Budget: Home upgrades that I’ve seen work wonders

It’s time to go *Boujie on a Budget*

In all my time real-estating, I’ve seen some impactful upgrades that give the homes a fresh look AND are easy on the wallet.

These are a few of my favorites:

• Replace faucets and cabinet hardware. Estimated cost: $150-$400 for a kitchen faucet and $5-$25 per cabinet pull.

• Upgrade door knobs and hardware. Estimated cost: $28 per passage door and $31 per privacy lock.

• Swap builder-grade switch plates for decorative ones. Estimated cost: $5-25 per plate, depending on style.

• Refresh rugs. Check out Rugs USA or Loloi on Amazon. Both sites partner with designers, like Rifle Paper Co and Arvin Olano for elevated looks. Estimated cost: $189 for a 5×8 rug.

I’m a huge proponent of making small changed that go a lonnnng way.

Want more tips about small projects with big impact? Reach out – I’ll share what I’m seeing local DIYers take on these days.

 

 

DEBBIE SPENCER GROUP
REALTOR®, CRS, SRES
m: 617-285-7300
t: 781-860-7300
e: debbie@thedebbiespencergroup.com
1 Militia Drive, Suite 204, Lexington, MA 02421

www.thedebbiespencergroup.com

Debbie-Spencer-Group-KW-Logo

How to fall in LOVE with your new neighborhood

Just moved in? Here’s how to quickly fall in love with your new neighborhood:

1) Host a housewarming and invite neighbors over for drinks and appetizers.

2) Get involved. Attend local town hall meetings to listen and learn the latest news and happenings.

3) Explore meetup.com for local interest groups. Shared hobbies are a fantastic way to connect.

4) Peruse a local farmers market to support local businesses and take in the community vibe.

5) Join your area’s association. Most neighborhoods have an association. Join yours to get involved and meet neighbors!

6) Take after-dinner strolls. Explore the neighborhood by going on leisurely walks at a time when most of your neighbors are home. It’s a great way to discover hidden gems and meet fellow residents.

If you are looking to change neighborhoods this spring, please feel free to reach out to me!

 

DEBBIE SPENCER GROUP
REALTOR®, CRS, SRES
m: 617-285-7300
t: 781-860-7300
e: debbie@thedebbiespencergroup.com
1 Militia Drive, Suite 204, Lexington, MA 02421

www.thedebbiespencergroup.com

Debbie-Spencer-Group-KW-Logo

5 Ways to cut down on your home energy bill

January 10 marks National Cut Your Energy Costs Day, and I’ve got your personal cheat sheet with five strategies to conserve energy and elbow those extra costs out of your monthly bill:

1) Consider time-of-use rates.

Learn about your utility’s time-of-use rates, which vary depending on the time of day. Strategically plan your energy use to save money. You can find these rates on your energy bill or the utility’s website.

2) Leverage smart home plugs and thermostats.

Combat standby power consumption (up to 10% of your energy use) with smart switches for appliances and programmable thermostats. Schedule when they turn on and off efficiently.

3) Adjust the water heater temperature.

The U.S. Department of Energy says lowering your water heater temperature by 20 degrees can save 4% – 22% annually.

4) Efficient water heating.

Water heating is the second-largest home expense, averaging $400 – $600 yearly. Consider a $150 water heater smart controller to heat water only when needed (potentially saving 10% – 30%) and insulate your water heater to cut heat loss (saving 7% – 16%).

5) Monitor specific energy usage.

Make sense of rising bills by tracking energy usage and setting custom alerts. Knowing where your energy goes is the first step to making meaningful changes.

Bookmark this blog post for your next bill cycle, and feel free to reach out for more energy-saving insights!

 

DEBBIE SPENCER GROUP
REALTOR®, CRS, SRES
m: 617-285-7300
t: 781-860-7300
e: debbie@thedebbiespencergroup.com
1 Militia Drive, Suite 204, Lexington, MA 02421

www.thedebbiespencergroup.com

Debbie-Spencer-Group-KW-Logo

Make Your Home Feel Like a Cozy Winter Cabin: A Checklist

Vibe: Cozy Winter Cabin

Transform your home into a winter haven and create an idyllic cabin-in-the-woods atmosphere with this step-by-step checklist.

Set the Stage
• Cozy candles – Try Woodwick candles if you like the flickering light + crackling pops.
• Chunky blankets – Add texture and warmth with plush throws, heirloom quilts, or a blanket the whole family can share from The Big Blanket Company.
• Featured fireplace – Don’t have the real thing? No worries—find a fireplace video on YouTube for that comforting ambiance.
• Smooth jazz – Set the mood with Spotify playlists that capture the season’s essence.

Elevate the vibe
• Classic board games – Every cabin in the woods has a cabinet of classic board games like Scrabble, Checkers, Sorry, or Scategories.
• Rocking chairs – Nothing says “Welcome to our Cabin” like rows of rocking chairs. If you have one or more in other rooms, bring it to the living from for the holiday season.

Dress the Part
Make a statement with a pair of fleece-lined slippers from UGGS or LLBean and comfy loungewear with a stocking hat to match. (For the ladies, check out Vuori’s Douglas Cashmere & Merino Beanie Hat!)

Indulge in Comfort Food (and Drink!)
• Soups, stews, and chowders hit the cozy cabin bill. Need some inspo? Search for Martha Stewart’s Vegetable Bean or Potato, Broccoli, and Cheddar Soup.
• Top off your cabin-inspired meal with a fresh-baked apple pie and hot cocoa. Crow & Moss Honduras Wampusirpi Drinking Chocolate is a top pick for dark chocolate lovers, but if you’re looking for something nostalgic, Swiss Miss Milk Chocolate Hot Cocoa Mix is your best choice.
• Or skip the hot chocolate altogether and go straight for the Jingle Juice—a merry blend of Cran-Apple Juice, Red Moscato, Prosecco, Vodka, and frozen cranberries.

If you’re going for cabin cozy, why not go all the way? Enjoy, friends, and from my home to yours, once again, happy holidays!

Source:
22 Winter Soups That Will Keep You Cozy

Easy Apple Pie Recipe (Just like Grandma Made!) – Little Spoon Farm

We Tasted Every Instant Hot Chocolate We Could Find — Here Are the Best

Best Jingle Juice Recipe

 

DEBBIE SPENCER GROUP
REALTOR®, CRS, SRES
m: 617-285-7300
t: 781-860-7300
e: debbie@thedebbiespencergroup.com
1 Militia Drive, Suite 204, Lexington, MA 02421

www.thedebbiespencergroup.com

Debbie-Spencer-Group-KW-Logo

Preparing Your Home for Winter

Winter is coming in just a few short weeks. Are you ready? Is your home ready?

If you’re a homeowner, it’s important to take steps to prepare your home for the cold weather. By following a few simple tips, you can save yourself money and headaches down the road.

 

Follow these tips to prepare your home for winter:

1) Inspect your roof and gutters. Make sure there are no holes or leaks in your roof and that your gutters are clean and free of debris. Try using a telescoping gutter wand to keep the job quick and easy.
2) Check your heating system. Have your HVAC system inspected and cleaned by a qualified professional ahead of winter temperatures.
3) Check your smoke detectors and carbon monoxide detectors. Make sure that they are working properly and that the batteries are fresh.
4) Insulate your home. Make sure your attic and walls are properly insulated. This will help to keep your home warm and reduce your energy bills.
5) Seal air leaks. Use caulk or weatherstripping to seal any air leaks around your windows and doors.
6) Protect your pipes. Wrap exposed pipes with insulation to prevent them from freezing — and bursting. Also, ensure every family member knows where the main water shutoff is to access it in an emergency.
7) Stock up on winter supplies. Firewood, salt, shovels, and snowblowers, if needed.
8) Winterize your deck and patio. Protect patio furniture with weatherproof covers or, better yet, store it away in a garage or shed. If you have a wooden deck, apply a fresh coat of sealant.
9) Plan for power outages. Make sure your emergency supplies are accessible and that you have a way to heat the house and prepare food without electricity.

As a long-time resident, I know the challenges our homes face when temperatures drop. So feel free to give me a call, text, or DM me if you have questions about winterizing your home – that’s why I’m here!

 

DEBBIE SPENCER GROUP
REALTOR®, CRS, SRES
m: 617-285-7300
t: 781-860-7300
e: debbie@thedebbiespencergroup.com
1 Militia Drive, Suite 204, Lexington, MA 02421

www.thedebbiespencergroup.com

Debbie-Spencer-Group-KW-Logo

Tips to save money on homeowners insurance

Fact: 90% of homeowners in 2023 saw their annual premium increase compared to the previous year.

Also, a fact: The last thing you need is something else in your world to get more expensive.

I know because I’m right there with you.

But unlike the price of eggs or gas, there are a few simple things you (and a great local agent) can do to keep tabs on your homeowner’s insurance costs:

Raise your deductible
Drop non-essential coverage
Don’t make small claims
Shop around every year
Reinforce your property

If you’d like to chat more about how to save as a homeowner, I’d love to connect! I’m happy to pass along my favorite local insurance agents who will gladly shop multiple carriers to get you the coverage you need at rates you feel great about.

Source: https://www.policygenius.com/homeowners-insurance/how-much-does-homeowners-insurance-cost/

DEBBIE SPENCER GROUP
REALTOR®, CRS, SRES
m: 617-285-7300
t: 781-860-7300
e: debbie@thedebbiespencergroup.com
1 Militia Drive, Suite 204, Lexington, MA 02421

www.thedebbiespencergroup.com

Debbie-Spencer-Group-KW-Logo