PDX Renovations

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  • Avoiding Christmas Debt – Our Tips To Help You Keep A Budget

    Avoiding Christmas Debt

    Christmas Bills leading to Debt

    Did you know that this time of year is infamous for getting consumers into debt?

    No surprise, huh?

    Many of us feel pressured to buy presents and overspend our budget, sometimes by thousands of dollars. Consumers go into debt an average of $1,500 each Christmas and then spend most of the new year trying to pay it off (

    When credit card companies charge upwards of 25% interest, consumers will be paying hundreds of dollars in interest. So here are some things to think about for the upcoming year. If you haven’t already done your shopping, think smart. The Christmas spending cycle has to stop somewhere, so why not make a change this December and give yourself a break this year?

    Here are some helpful tips from financial planners on Christmas spending.

    • Budgeting and planning ahead is the number one key to success. Set an attainable goal of what you put away each month for the following Christmas. Budget out what to spend and when and you’ll avoid costly Credit card bills later.
    • Cut back on Christmas spending. Make a reasonable list and stick to it. Don’t fall for “Black Friday” deals on things you really don’t need.
    • Make your list early and start before the Christmas rush. Keeping on a budget is much easier when you have plenty of time to plan.
    • Don’t spend more than you have. This is an easy one, but Consumers fall into the spending trap each year because of TV advertisements, special incentives from stores, and credit cards. The entire season has become about “spending” When in fact, we should be “spending” TIME with loved ones and friends.
    • Change your perception of the holidays. It’s not all about the presents. It’s about the joy of the season.
    • Think of homemade gifts or special things you can do for someone without breaking the bank.
    • Random acts of kindness can be worth so much more than a wrapped present that most likely will sit on a shelf gathering dust or adding to the Christmas “10” lbs Americans on average gain each Season.

    Spend wisely and save yourself the horrible January bills.

  • Winterizing your house

    Your greatest investment is your home. Not only financially, but emotionally. After all, it’s not just a house, it’s a home and you’re proud of where you live, or at least you should be. Treating your home as your greatest investment means maintaining everything, in all seasons. With the weather turning icy, it’s time to think about winterizing your house.

    Winterizing your house goes far beyond cleaning up the yard and putting away the summer patio furniture. It means taking a look at pipes, hot water heater, hose bibs, insulation, furnaces, etc. Make sure you are prepared for the cold ahead and also protect your wallet from the extreme cost of heating.

    A good winterization list to follow, thanks to  About Home.com

    • Heating system check. Turn on your thermostate and set it to 80 degrees just for testing. You should hear the furnace turn on and start to blow within a few minutes. Schedule a seasonal furnace maintance check with a certified professional to check your system, clean your filters, ductwork etc.
    • Have your chimney swept and inspected, check the flue damper operation.
    • Insulate your exposed piping and protect those hose bibs. A broken pipe can make a mess of things, so take this simple step to protect yourself from headaches down the road.
    • Insulate your hot water tank with an insulating blanket, you can find one at the hardware store. Insulate outlets and switch plates as well.
    • Check windows and doors for air leaks and broken seals
    • Have your sprinkler system winterized if you haven’t already.

    The weather in Portland seemed to go from nice autumn to freezing within a month, so make sure you go through your list and get your home protected for the next big freeze.

    Do you have a house, lot or piece of land you’d like to sell for Cash? Fill out our sell fast form and get a cash offer within 1 hour of us viewing the property. https://patient-liger-dev.10web.site/sell-house-quick/