6 Ways to Improve Your Credit Score Before You Apply for Financing for Home Improvement Projects

6 Ways to Improve Your Credit Score Before You Apply for Financing for Home Improvement Projects

Repairing a bad credit score will not be easy. It is recommended that you at least start the process before applying for a loan or financing for home improvement projects. There are ways to improve your credit score but prepare for some tough decisions.

6 Ways to improve credit score:

Pay your bills on time

The best way to keep your credit score up is by simply paying your bills on time. Be consistent month to month and make sure that all your bills are settled. Save money if you are planning a big purchase, but keep everything else clean and consistent.

Watch credit card balances

Keep your balances low. Pay down as much as you can and try to use as little as possible.

Take care of credit card balances

Avoid having several credit cards with small balances. Pay up the balances and stick to one or two cards to pay for everything. Charging small amounts to different cards can hurt your credit score.

Leave old debt

Leave your old debt and good accounts on your record. This is a good history that will show you in good light. Don’t try to get rid of it as soon as it is paid up. Accounts and debt that you paid and handled well are good for your credit score.

Avoid payments that indicate risk

Steer clear of suddenly missing payments or paying less than you should. This indicates risk. Payments to pawn shops or divorce lawyers also indicate risk.

Be vigilant

If you are preparing for a big purchase, keep track of your score. Pay your bills and keep to smart spending behaviors. However, do not get obsessed. Credit inquiries can cost you. You are entitled to a free copy of your credit score at least once a year. Request it and keep track of what you are doing.

The process to repair your score will take time. Stick to smart decisions regarding credit and spending and you should be on the right track.…

10 Original Tips and Tricks for Moving House: Keep Your Belongings Safe and Make the Packing Process Easier

10 Original Tips and Tricks for Moving House: Keep Your Belongings Safe and Make the Packing Process Easier

Moving house is a big deal. There is so much to do before moving day. The best way to approach moving is by planning ahead. There are several things you can do weeks before moving. Here are some tips from Aurora movers to make your move much smoother. Start packing things you don’t need. Start throwing out what you no longer use or wear. Donate the unwanted things to friends or charity.

Apart from these simple things, we have a few other tips and tricks to help you out. Moving can be very stressful. We hope these tips will help make it less so.

1. Make your own box handles. Cut handholds in two sides of boxes so you have a place to grip it.

2. Padding. Use all kinds of soft materials to pad your breakables. Anything from teddy bears, socks, towels, dish clothes, and scarves can be used.

3. Mark mirrors. Put a large masking tape X on your mirrors. This will help to absorb shock. Unfortunately, it will not prevent it from breaking.

4. Pack a ‘first night box’. This box should contain any items you will need for your first night in the new house. The most important items will be toiletries and basic kitchen things for making coffee.

5. Plate packing. Use paper or plastic plates to pad porcelain ones. This is quite clever as the paper plates are already in the right shape. Place a plastic plate between every set of porcelain ones.

6. Use paper bags for glasses. Instead of newspaper, use brown paper bags to pack your glasses and mugs. Another very clever trick. Place the glass or mug inside the bag and fold the sides to ball up inside the glass or mug.

7. Moving kit. Use a basket to put all your packing materials in. Scissors, string, tape, markers, labels, and cutters should all be kept in one place. This way you will not be looking all over for the scissors.

8. Protect your bed. Use fitted sheets to protect your mattress. Use one to fit the top and one to fit the bottom of the mattress. This will protect the mattress from dust and other dirt.

9. Lawn equipment. Make sure to drain the gas or oil from lawnmowers and other equipment. Gas and oil are flammable and can be very hazardous. Not something you want near all your precious belongings in the moving truck.

10. Bright labels. Print out labels ahead of moving day. Use some bright color labels so you can see them from across the room. Once a box is packed, just slap on the correct label and you’re ready to go. No looking for the marker in chaos.

These tips are very handy and I added a few that are new to me. The basic tips usually involve things like planning ahead, dismantling appliances, and taking pictures so you can put them back together properly. These are also important. I hope with these tips you will be able to streamline moving. Good luck and remember to breathe and smile every now and then.

6 Safety Tips for Home Improvement and DIY Enthusiasts: Keep Your Thumbs Attached and Your Electrocution Limited

6 Safety Tips for Home Improvement and DIY Enthusiasts: Keep Your Thumbs Attached and Your Electrocution Limited

Home improvement and DIY locksmith projects involve height, power tools, slippery surfaces, electricity, and sharp tools. Safety precautions are vital. Many people land in the hospital because they did not take precautions. You don’t want to save money on home improvements and end up spending the money on doctors or hospital bills. Here are a few safety tips to keep in mind when taking on DIY locksmith and home improvement projects especially if you need a locksmiths.

First aid kit

Keep a basic first aid kit handy. There will be some scrapes, scratches, bruises, and sometimes more serious injuries. Make sure you can deal with these minor injuries quickly.

Protective equipment

Get yourself a pair of safety goggles, some earplugs, and gloves.

4-to-1 rule with ladders

For every 4 feet that the ladder goes up, the foot of it needs to be 1 foot away from the wall. Check weight and height limits when you purchase a ladder. Avoid doing stupid things like extending the ladder with non-approved materials.

Use power tools properly

Follow the instructions that come with a power tool. They are there for a reason. Avoid experimenting that could be dangerous. Never leave a power tool on and turn away from it. Once you put it down or are finished, switch it off and unplug it. Keep them away from children.

Avoid using power tools with broken pieces or frayed wiring. This can be dangerous. Don’t misuse your power tools. Carry, use, and store them properly. Don’t yank on the cords and keep them away from heat.

Keep others in your sight

If you are working with family or friends, make sure to know where they are at all times. This will prevent accidents and injuries. Make sure everyone in your immediate surroundings know that are busy with power tools and may not hear them. Have a way to work around this when they need to get your attention.

Keep it organized

Keep your workspace clean and organized. Store everything properly. Make sure all power tools are properly put away and that all your other tools are in your toolbox.

Follow these tips and you should have very few accidents and injuries. Enjoy your projects, but always be safe.…

The DIY Toolbox: Basic Tools to Get You Started on Your First Home Improvement Project

The DIY Toolbox: Basic Tools to Get You Started on Your First Home Improvement Project

Home improvement and DIY projects can be quite fun. It is also a cheaper option than hiring professionals for every small thing. You need some basic tools to get started. Once you have the essentials you can start improving. As you go and get more confident, you will need other tools. These you can add on to a basic starter kit.

Your basic home improvement toolbox needs the following:

Toolbox. You need a toolbox that is nice and sturdy. It should also have enough space for all the tools that follow. Big and small compartments work well for dividing screws, specific tools, and loose parts.

Claw hammer. This hammer is ideal for driving nails into walls as well as take them out.

Wrench. An adjustable wrench is ideal. The size of its jaw can be adjusted. This is very handy when dealing with different sized nuts and bolts.

Locking pliers. This is a gripping tool. You can use it to grip nuts, pipes, and other types of fixtures. It keeps your fingers and hands out of the way. Its jaw is adjustable so it is suitable for different sized objects.

Combination pliers. This is another gripping tool. It is good for gripping as well as turning and pulling. It is especially handy with gripping nails and keeping your fingers out of harm’s way.

Flashlight. Some projects might need you to go into dark corners or the roof. The flashlight will be handy for these areas.

Flathead screwdrivers. You need different sizes of these screwdrivers. They are used to work with slot-headed screws. They are a must-have in your toolbox.

Cross-head screwdrivers. They are another must-have. The most well-known of these are Phillips-head screwdrivers. They are used with cross-head screws.

Utility knife. This will come in handy more times than you can imagine. An absolute necessity for cutting wire tubing, felt, carpet, etc.

Tape measure. Get a retractable one that locks where you want it. Very important tool for measuring your project materials, etc.

We would add so many more things. Another necessity is obviously different sized screws and nails. This should get you started. Depending on your project you might need some job specific tools. Make sure you have all that is necessary.…