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Homeowner’s Academy
This is your guide to interesting facts, tips and general homeowner information. We hope you find the information useful – and feel free to share with friends!

How to Manage Your Finances During the Holiday Season

Spring cleaning often comes with a fresh coat of paint. Painting can be a great way to change the feel of a room or give your home some great curb appeal. Painting also plays a role in home repair by protecting the wood of your home against the elements, essential here in Florida.

If you decide to try your hand at painting this spring, People’s Trust has some tips that can keep the experience enjoyable and safe for everyone in your family.

Try Some Eco-friendly Paint

Spring conjures up the sniffles for many people in the great outdoors, but paint may do the same thing inside of your home. Household paints have previously contained up to 300 toxic chemicals, including the hazardous volatile organic compounds (VOCs) that release particles into the air for years after you paint.

Try a low-VOC paint, which tends to be water-based, for any home interior painting. These have taken off in recent years and come in every shade and finish imaginable. Some brands also create no-VOC paints by replacing chemicals with more natural ingredients. These no-VOC paints are often pet-safe, but always check the label and never leave your pet unattended in a room where paint cans are open.

Home Repair Supervision

If you have children, never let them be in a room with open paint cans by themselves. If children are under the age of 10, they should never be in a room with any open painting materials. Even eco-friendly paints are extremely dangerous if ingested. If you believe your child has ingested any paint, immediately call poison control at 1-800-222-1222.

Try Cloth Catchers for Indoor and Outdoor Painting

You can pick up plastic sheets to protect your floors and lawn, but these often move and tear as you walk around painting. Turn to cloth or canvas drop cloths that will stay in place easier and can be weighed down with objects without the risk of tearing.

For painting the outside of your home, try a tarp with tie-holes. These can be staked into the ground to provide a steadier surface for a ladder.

Ventilate: Make Room to Breathe

If you’re painting inside, open the doors and windows. If your room has a fan, turn it on. You want proper ventilation for any space you’re painting to help air out the room and not breathe in paint fumes. If you can’t ventilate where you’re working, get a respirator and only paint in short stints.

Ventilation is essential to most common home repair improvements.

Stick to the Shade

If painting outside, you know that you need to take a break in the shade, but what about your materials? Paint, paint thinner and lacquer all need to stay in the shade as much as possible when painting outdoors.

Not only can heat and sun alter some of these items when they’re sitting in the can, but heat can also be a big problem for these flammable items. The city of Las Vegas actually warns its citizens to be careful when painting their homes or canvases outside because paint thinner has been ignited by the sun and started home fires.

Clean Up after Home Repairs

When you finish painting for the day, clean up the entire space. This will prevent spills and any accidental exposure.

Latex paints can typically be cleaned from surfaces and your skin with soap and water. Oil-based paints will have specific cleaning instructions located on the paint can itself. Take a look at your can before you start painting and write down what it says, because paint often spills on the outside of the can during the painting process.

Gasoline was once used to clean paint off of brushes, but this should never be used. Gasoline is extremely dangerous and should never be used as a cleaner for any object.

It’s always a smart practice to clean up and watch your space clearly when doing any home repair project.

It’s the most wonderful time of the year… to let your finances spiral out of control.

To help you out, we’ve put together the following list of smart and savvy financial tips to help you stay on top of your budget and manage your money now through the holiday festivities.

1. Lock in your holiday budget

It’s easy to procrastinate on figuring out your holiday budget, but before you know it, you’ll have relatives pushing you to make travel plans and little Timmy asking for that hot new toy. What can you realistically say “Yes” or “No” to?

Put together a comprehensive list of gifts and decorations you’ll be purchasing for the holiday season, along with events you plan to attend and how much it will cost to travel to each one (if away from home). Be prepared to cut some things from your list once you’ve weighed your plans versus your income.

2. Consider homemade gifts

If you can’t seem to cut names off your gift list, shift gears and get creative; not all gifts have to be store-bought. Check out Pinterest for countless DIY ideas that will make friends and family realize how much you care about them.

3. Inventory your holiday items

Take inventory of holiday items, such as wrapping paper, lights, decorations and anything else you may have laying around the house BEFORE going to the store. This will prevent you from making unnecessary holiday season impulse buys.

4. Watch for extra online costs

Online shopping is a great way to get the best deals on a lot of holiday items, but be sure to factor in the cost of shipping before completing your purchase. Also, some stores like Amazon now charge sales tax on purchases made in Florida. These pennies can quickly add up when purchasing dozens of gifts.

5. Add energy-efficiency to your home

Don’t forget to take a potential winter utility bill spike into account when making your holiday budget. This spike is typically caused by a combination of cold weather, lots of cooking, and kids hanging around on winter vacation.

Cap the potential impact of that winter utility spike by replacing standard bulbs with energy-efficient LED (light-emitting diode) lights. Also, check for leaks that could let precious hot air escape your home. To help you out, we recently compiled a list of likely leak spots.

6. Most importantly… $ave!

Holiday spending is a recurring expense. Establish a “holiday savings account” that you regularly contribute to throughout the year. Talk to your bank about setting up a savings account with automatic payment transfer processing.

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Deerfield Beach, FL 33441-6270

 

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