Paul Saulnier Realtor
653 St George Blvd E1E2C2 Moncton, NB, Canada

Credit reports are notoriously exhaustive and confusing. Below, we discuss four things you should know about credit reports. 1. Credit scores Since the culmination of any credit report is its credit score.... 2. Credit overview Even if the credit score is decent, it’s important to delve deeper into the report to gain a full understanding of the person’s financial status. 3. Amount of credit used In this section of the credit report, you’ll learn just how much credit the person has used. 4. Payment history The payment history section, however, tells a very detailed story both current and past. Paul Saulnier | Royal Lepage Atlantic [email protected] | (506) 874-9974 https://paulsaulnier.royallepage.ca #realty #homes #property #home #realestate #homebuyers #buyers

Do you wish your bedroom was a more soothing place? Here are several ways to make your bedroom more relaxing. 1. Get A Comfortable Mattress... Invest in a quality mattress and avoid the temptation to skimp to save money. 2. Get Rid Of Clutter Find a home for anything that doesn’t belong there and try to make the space as clean, organized, and airy as possible to create the calming, relaxing atmosphere you seek. 3. Do Away With Stress If you regularly bring work home and do it in your bedroom, stop. 4. Limit Electronics Try to limit the use of electronics right before bed. Paul Saulnier | Royal Lepage Atlantic [email protected] | (506) 874-9974 https://paulsaulnier.royallepage.ca #realty #homes #property #home #realestate #homeimprovement

Whether you lack ample outdoor space to sow a garden or you simply crave the crisp flavor of fresh veggies in the winter, you can grow a garden indoors. Here’s how to create the ultimate home garden anytime inside the house. How It’s Done... Step 1 Find a cool spot in your home and assemble your grow lights. A basement works well for an indoor garden as the cool temperatures encourage a continued harvest. Step 2 Plant seeds according to package directions. If planting seedlings, repot if roots show through the drain holes. Step 3 Place grow lights about two inches above the plants. Use a timer to turn lights on and off as necessary. Growing plants need about 16 hours of light a day. Step 4 Water two times a week or when the soil feels dry. Step 5 Harvest fresh veggies. Paul Saulnier | Royal Lepage Atlantic [email protected] | (506) 874-9974 https://paulsaulnier.royallepage.ca #realty #homes #property #home #green #gardening #garden

Read on to discover four easy ways to save up for the down payment on your next investment property. 1. Use The 50/30/20 Rule Spend 50 percent of your income on mandatory expenses such as rent, student loans, etc. ... Use 30 percent of your income for discretionary spending. This includes things like your Netflix subscription, gym membership, and any other entertainment you enjoy. A budgeting app can alert you when you get close to your 30-percent limit, so you know when to dial back your shopping habit. Finally, put the last 20 percent of your income into a savings account and don’t touch it. 2. Develop A Timeline To Acquire The Property You Want If you’ve decided you want to be the owner of an investment property worth $100,000 in two years’ time, figure out how much you’ll need to put aside each month to reach the $20,000 down payment amount and then get busy. 3. Automate Your Budget Set up fixed/mandatory bills to come out of your account on the same day. This way, you’ll be able to see exactly how much they are. Next, set up an automatic transfer of 20 percent of your income into an account designated especially for the down payment on an investment property. Anything left in your regular account is what you can spend on anything you want. 4. Get Rid Of Things That Don’t Add Value To Your Life Take a look at your expenses and determine the things that don’t add much value to your life or the things you can do without. This might include magazine subscriptions or the highest cable TV package, for example. Cutting back or doing away with these extra expenses can help you put more money aside for that investment property you dream of. Paul Saulnier | Royal Lepage Atlantic [email protected] | (506) 874-9974 https://paulsaulnier.royallepage.ca #realty #homes #property #home #realestateinvesting #investing #realestate #expertadvice #advice #investingadvice #investment

If you find the idea of being the first person to live in a home exciting, then buying a new construction home may be right for you. Before you jump in with both feet, however, there are a few things you must know. 1. You may not find new constructions in the mls. For buyers, new homes won’t show in their agent’s mls search. ... 2. New homes often sell before they’re built. There will likely be many homes similar to each other in size and design before the project is complete. 3. First buyers get the best deals. Being a first buyer, however, does come with some risk. Once you contract for a new home, you’re committed to the project. 4. You may be able to negotiate upgrades. If you’re interested in buying a new construction home in a project that’s nearing the end of its sales cycle, it’s more difficult to negotiate a lower purchase price. Paul Saulnier | Royal Lepage Atlantic [email protected] | (506) 874-9974 https://paulsaulnier.royallepage.ca #realty #homes #property #home #realestate #realestateagent #houses #advice