You are fortunate enough to own a home and no longer have to pay rent. But that doesn’t mean that home ownership is reasonably-priced. It can be hard to set aside some of what you earn and not spend it and we all know the costs from the mortgage, utilities, maintenance and upkeep can be expensive.
1. Get a Better Rate On Your Mortgage With HARP
If you’re a homeowner born before 1985 you might be in for a few thousand dollars in savings. The HARP (Home Affordable Refinance Plan) is helping tens of thousands of Americans pay less on their monthly mortgage bills. Some are saving as much as $3500 yearly! Initially, it was set to expire last year but it has been extended to 2018 (for now, who knows what will happen in a few months?). If your credit is not excellent, then this may not be for you as good credit is required to qualify.
The good news is it’s very easy to check, you just need to visit Harp Mortgage Quiz and fill out a short quiz (takes 1 minute). If your credit is good, then this could be the easiest $290/month you’ve ever made.
2. Never Pay For Home Repairs
Many people simply don’t have enough money lying around to pay for expensive home repairs. Your home insurance won’t cover your washing machine or AC breaking. What if your heater breaks when you need it the most? Who amongst us has hundreds or even thousands available at a moment’s notice for such a repair?
This is why many homeowners are getting this new Home Warranty Program and they’re ending up saving thousands in the long run. ACs, electrical heaters, appliances, roofing repairs – they’re all covered! If there’s something they can’t fix they will just replace it.
3. Save Money On Your Power Bill By Installing Solar Panels
Thanks to a little-known government program called Federal Residential Renewable Energy Tax Credit, homeowners in specific zip codes are getting thousands in rebates to install solar panels.
Due to Trump’s new tariffs, solar panels are about to get a lot more expensive, so the time to act is now. Find out if your zip code qualifies but make sure to enter a correct phone number for to verify your identity.
It’s 100% Free to see if you qualify and it only takes 2 minutes. No one would have thought solar would be as cheap as it is today. Besides cutting down on energy costs and preserving the environment, some homeowners are making money by selling excess solar generated power back to the grid.
4. Consolidate All Your Existing Debt Into One Simple Payment
Stepping into retirement can be pretty daunting. Doing it with existing unsecured debts can make it even more of a challenge. Debt consolidation is the process of combining all your unsecured debts into a single monthly payment. Generally this allows for much lower payments on a monthly basis than the sum total of the separate debts – making life a lot more manageable. The likelihood in these circumstances of reducing interest rates is very high, and there are many firms out there who will walk you through the process making it simple and painless. If you have more than $10,000 in debt, then this is something you should do right away. You can get the best quote to consolidate all your unsecured debt by clicking the link below.
5. Get a Home Alarm System
Although you can probably skip this one if you’re a renter, homeowners will definitely want to read further. We’re living in 2018 and this means burglars are actively watching out for homes that don’t have home security systems. After all, why would they risk robbing a well defended home when there are tens of easier targets on in the same neighbourhood?
Moreover, a house alarm will save you money on homeowners insurance policy. In some cases, you’ll save more than what you pay for the system itself. House alarm companies are pretty desperate at the moment, so it’s quite easy to get a good deal. For example, one of the most reputable alarm system companies – ADT is offering over $800 in savings if you just pay the installation fee. This means that for just $99 you get a free alarm system for a whole year – and you can cancel after a year if you want.
This is especially important for seniors who live alone because it helps them get medical aid in case of an emergency.
6. Snap SmartCam – Protect Yourself
Snap SmartCam looks and functions exactly like your standard USB wall charging adaptor. But don’t be fooled by its compact design as the biggest surprises can come in small packages. Snap SmartCam can be used simultaneously as a wall charger for your gadgets and as a powerful hidden camera that records high quality full HD 1080p video and clear audio.
Unlike other recorders, Snap SmartCam is equipped with a motion detector that starts recording only when movement it’s detected so that you don’t have to worry about running out of space. When it reaches full memory capacity, it will automatically overwrite the earliest videos recorded.
This item will blend for sure into any environment and can be the perfect gift idea for someone with young kids or pets who needs to keep an eye on them while they’re out of the house. Also, as lawbreakers are getting more confident, the technology becomes smarter! This disguised video camera has been used to catch criminals in several home invasion cases.
7. Get A Reverse Mortgage
Now although a reverse mortgage is available to older homeowners, it’s still a loan and should be looked at as such. Reverse mortgages allow elders to access the home equity they have built up in their homes now, and defer payment of the loan until they die, sell, or move out of the home. Because there are no required mortgage payments on a reverse mortgage, the interest is added to the loan balance each month. This could be a great option for you if you have a lot of home equity built up, but need some extra money to live during your retirement years. Many retirees have worked hard all their lives and have most of their money tied up in their homes but don’t want to sell because they enjoy the area they live in. That’s where a reverse mortgage can be particularly useful. You can visit MortgageAdvisor to learn more information.
8. Tactical torch -The Perfect Flashlight For Emergency Situations
You might be thinking that you already have a flashlight. The truth is, most people underestimate the importance of owning a tactical flashlight. But the perfect flashlight, that was built to resist anything is TC1200 Tactical Flashlight! In addition to emergency situation, Americans need better solutions for protecting themselves and their families against crime. The TC1200 Flashlight uses military-grade LED technology that can illuminate a field area with 1200 lumens of light. The strobe feature on this Flashlight is designed to ruin an attacker’s eyesight!
This tough aircraft-grade-aluminum flashlight requires only 3 AAA batteries in order to provide 1,000 hours of life. That makes it ideal for reliable, abundant light during a natural disaster or emergency…and for lots of everyday uses. Run over by a truck, dropped in boiling water, set on fire, the TC1200 tactical flashlight is built to last and operate at its best in the most extreme conditions.
9. Lower The Temperature on Your Hot Water Heater Down To 120 Degrees Fahrenheit
This is the optimum temperature for your hot water heater. Most people don’t use water hotter than 120 degrees and the energy needed to keep the water above 120 degrees isn’t used effectively.If your tap water has an unpleasant odor, you could have a bacteria problem. Adjusting your hot water tank to 140°F for 24 hours should help rid the water of the bacteria. Lower the temperature and save money on your energy bill.
10. VitaCup – Get Your Daily Dose Of Vitamins In A Cup Of Coffee Or Tea
Need a quick boost to activate your body and to enhance your energy levels? VitaCup is not your ordinary coffee..it’s a premium coffee infused with vitamins and packaged in a 100% recyclable, BPA-free Keurig® compatible format. VitaCup Coffee is the finest and healthy way to drinking coffee in your every morning schedule. All the VitaCup’s pods are made with 100% Arabica coffee beans that are sourced from farmers in South America.
Every pod contains a unique vitamin blend, which contains Vitamins B1, B5, B6, B9, B12, and D3, as well as Antioxidants. If coffee is not your preferred morning drink, VitaCup also has tea infused with vitamins. For example, VitaCup’s Green Tea pods contains all the above, plus Matcha and Moringa. The New Genius Blend contains all the above vitamins, plus MCT, Cinnamon, and Turmeric!
You can choose from multiple flavors such as French Vanilla, Gourmet House Blend, Gourmet Breakfast Blend, Gourmet Decaf Blend, Green Tea! Get 20% discount by clicking this link!
11. ClearCut Ceramic Knives – 50% Discount
12. Ultrasonic Pest Reject – Live in a Pest Free House
Wouldn’t be nice if all you had to do in order to get rid of pests, mice, rats, spiders, roaches, mosquitoes and ants was to plug in a little device? Ultrasonic pest reject is a device that releases low frequency sound waves in order to repel and eliminate pests that are found in homes. The sound waves cause the pests to scurry around, which drives them away. It’s 100% safe for humans, as the ultrasounds cannot be heard by a man’s ear.
The device has zero maintenance, it drives away pests without creating any mess! Also, it’s 100% kid and pet friendly as it doesn’t contain harmful chemicals or poisons. Installing the Ultrasonic Pest Reject is a quick and easy 5 second process. Use 1 unit per average-sized room with a pest problem.
13. Save on Life Insurance
Unfortunately, as we get older the premiums for life insurance keep increasing. In fact, typically the premium rises 9-10% for every year of age. For senior citizens it is therefore quite difficult to find a good policy after a certain age. The best way to get the cheapest life insurance policy is to compare quotes from multiple carriers, but that takes up a lot of time and energy. Thankfully, there are websites where you can enter your information once and their systems will find the best quotes from all providers in your area.
14. Save On Medical Bills
It seems that year after year medical costs keep going up while our incomes don’t really keep the pace. Most retired people need to take some sort of medication, so it makes perfect sense that getting the right medical insurance is very important.
Discounts do change depending on location, so make sure you ask your insurer about what’s covered in your area. In fact, there are many benefits and discounts for seniors they don’t even know they can get.