Housing Costs

Your monthly housing costs should be about
32-35% of your gross monthly income.

Housing costs include mortgage or rent, escrow payments, utilities, and housing maintenance and repair.

Cost Tips

• reduce mortgage or rent payments
• reduce taxes and insurance
• pay off your mortgage early
  
• reduce utility costs
• reduce telephone and internet
• keep home repairs at a minimum

download FREE
lowering your bills
note pad

Family Living

Your monthly family living costs should be about
27-35% of your gross monthly income.

Your family living costs include food and snacks, clothing, household items, personal items and other family living.

Cost Tips

• cutting grocery and food costs
• getting discounts on paper products
• driving down clothing costs
• keeping the lid on baby costs
• eliminating vices

download FREE
lowering your bills
note pad

Transportation

Your monthly transportation costs should be about
9-12% of your gross monthly income.

Your transportation costs include auto payments, auto insurance, fuel, driving habits and maintenance.

Cost Tips

• lower auto payments
• take a bite out of insurance
• reduce fuel costs
• keep your auto serviced
  
• consider warranty coverage
• take public transportation
• other modes of "getting around"

download FREE
lowering your bills
note pad

Family Recreation

Your monthly housing costs should be about
4-6% of your gross monthly income.

Your family recreation costs include dining, vacation, family outings, and other family entertainment costs.

Cost Tips

• cut recreation costs
• dining smart
• throw a house party
• have your own movie house
  
• reduce your vacation costs
• hit those FREE places
• take care of the vices

download FREE
lowering your bills
note pad

Wired Home

Many new home constructions are wired for home automation and home theater entertainment.

Now new product developments allow many existing homes to automate their homes with wireless technology.

Shopping Tips

• research home theater systems
• find HDTV video units and movies
• find audio speakers and music
• computers and software
• game systems and video games
• plus much more:
  security - wiring - telecom

download FREE
our sheet for shopping wired home

Need a Vacation ...?

... but you don't want to pay too much.

Use our vacation center to find and compare the best fares for lodging, air travel, car rentals and more.

Shopping Tips

• find hot fares for lodging and home rentals
• shop the best fars for air travel
• search type cruise lines and departure dates
• find the best quotes for car rentals
  
• plan an adventure
• save real big on last minute travel
• plus much more:
  travel guides - events - tickets

download FREE
our sheet for shopping travel deals

Party Planning

When was the last time you planned a great party? A party with game play, decorations, great food and good lasting friends.

It doesn't take much. And now it become even easier with this handy party center.

Party Tips

• costumes and other decor for every occassion
• birthday ideas for kids and adults
• an evening of dectective work to solve a mystery
• online food and beverage orders
  
• party decor to bring out your best
• plus much more:
  party themes - party kits - invitations

download FREE
our sheet for shopping your next party

Shopping Health

Having good health . . . it's a blessing we all hope for.

That is why you use our health and environment center to find what you need to keep yourself healthy and going.

Shopping Tips

• review our good health tips and supplements
• develop an exercise and fitness plan
• analyze the weight loss program that is best for you
• shop pharmacies and coupon discounts
  
• review the self-help guides for a better you
• plus much more:
  medical guides - organic living - vitamins

download FREE
our sheet for shopping good health

Get Your Career Going

Complete career planning and job search center.

(links open new window)

• make career assessments
• find jobs
  
• help with resume prep
  
• get interview tips
• find career counseling
• and more

view our career and job search center

download FREE
the job search sheet

How to Start

• step1:
  view some home improvement ideas.
• step2:
  design your home improvement spec plan and budget
• step3:
  find a pre-screened contractor for an overview estimate
• step4:
  arrange smart financing, if needed
• step5:
  manage the project and inspect it

view the home remodeling center for our weekly tip

Great Tools

download FREE
our home remodeling-home improvement map

download FREE
our home improvement contractor selection guide

For Home Buying

• view our home buying steps
• use our home buying checklist
• view our directory of home listings
• get tips on affording your new home
• understand how best to finance your purchase

download FREE
our home buying map for quick reference

For Home Selling

• view our home selling steps
• decide your method of selling: agent vs. FSBO
• get your home listed
• view how best to prepare and present your home
• learn how to negotiate the sale

download FREE
our home selling map for quick reference

Looking to Build

It's the dream of every homeowner to custom build their next home

download FREE
home construction map

• summarizes everything you need to know about building your home
• helps you design the home construction specs
• provides guides on selecting your contractor and negotiating the contract
• show how to best finance your project

Keep the map for quick reference

Almost everyone has to make a move sometime in their life -

We got the tools to make it an easy and successful move

Moving Locally or Long Distance