Wisconsin Property Management Company – Brought to you by Diamond Property Management LLC – Budgeting

Searching for the right apartment may be a daunting task. To ensure your next move is the right one we have some suggestions. Diamond Property Management LLC has Apartments throughout Wisconsin.  From Green Bay Apartments    to Beliot . Easy access to freeways for commuting like our numerous properties  here at Diamond Property Management LLC.

If you are looking for a Family Friendly property where the kids can play on a wonderful playground

Hawthorne ApartmentsOr in search of Senior Housing to sit back and relax with activities and alike neighbors our properties have something for everyone. 

Need a place to let your pet run around? We really do have a variety of Properties for every budget and need!

 

When making your next move we have some useful tactics to ensure your next move is the best move yet. We suggest coming up with your budget, researchers suggest your monthly rent expense should be no more than about 23% to 25% of your take home pay.*  This is crucial to budget for a rainy day like a car repair or any unforeseen situation. When also looking at your budget you must take into consideration for your deposit for the unit and utility providers require up front cost for activation and installation. When looking in an area that you have decided it best practice to contact the utility providers, cable/internet, and local municipality to verify cost associated.

Now you started some of your research and have began a budget plan for your new home  Narrow down your must haves and have not.  When looking for a home you must factor the cost of moving as well as your time to make that move – you want to ensure your move is something you can afford, but also you will be happy and afford it comfortably. Looking at commute time or accessibility to public transit are key factors when budgeting expenses. Also saving for your future or rainy day –  create a realistic budget and stick with it.

Here is a useful blog that may help you creating your budget:

15 Budgeting Tips for Your Daily Life*
Ready to get started? Here are the top 15 budgeting tips!

1. Budget to zero before the month begins.
This means before the month even starts, you’re making a plan and giving every dollar a name. It’s called a zero-based budget. Now that doesn’t mean you have zero dollars in your bank account. It just means your income minus all your expenses (outgo) equals zero.

2. Do the budget together.
If you’re married, you and your spouse need to sit down and get on the same page about money. Remember: If the two of you are one, your bank accounts should be one too! It’s no longer your money or my money—it’s our money.

And if you’re single, find someone who can act as your accountability partner and help you stick to your goals!

3. Every month is different.
Some months you’ll have to budget for things like back-to-school supplies or routine car maintenance. Other months you’ll be saving for things like vacations, birthdays and holidays. Regardless of the occasion, make sure you prepare for those expenses in the budget. Don’t let these special occasions sneak up on you. (Hint: Christmas is in December again this year, guys!)

Be sure to adjust your budget each month as things change. Make a savings fund you can stash cash in throughout the year. When you don’t have a plan, you’re going to be stressed. And that takes all the fun out of giving and celebrating. No one wants that!

4. Start with the most important categories first.
Giving and saving are at the top of the list, and then comes the Four Walls—food, shelter and utilities, basic clothing and transportation. Once your true necessities are taken care of, you can fill in the rest of the categories in your budget.

5. Pay off your debt.
If you have debt, paying it off needs to be a top priority. Use the debt snowball method and the Baby Steps to get rid of debt as fast as you can. Attack it! Get mad at it! Stop letting debt rob you of the very thing that helps you win with money—your income.

6. Don’t be afraid to trim the budget.
Brace yourself! It might be time for some budget cuts in your life. If things are tight right now, you can save money quickly by canceling your cable, dining out less, and shopping at discount clothing and grocery stores. Remember, your budget cuts are only temporary. You can always make adjustments later down the road.

7. Make a schedule (and stick to it).
While you’re making a budget part of your monthly routine, why not pick specific dates for other expenses? Set up auto drafts out of your checking account to pay bills, and buy your groceries on a set day every week or twice a month. When you know what to expect and when to expect it, you take a lot of stress and potential pitfalls out of the picture.

8. Make it a team effort.
If you’re married, it’s important to talk to your spouse about money—especially the budget. A big part of marriage is creating a life you love together; money is simply a tool to help you realize those dreams.

Sit down once a month and have a budget date night. Make it fun! Grab some of your favorite snacks and put on a good playlist to help you focus. The important thing here is that you’re both on the same page. And don’t forget to celebrate the small wins together. Look back at your earlier budgets and see how far you’ve come. I bet you’re spending significantly less on groceries.

9. Create a buffer in your budget.
Put a small amount of money aside for unexpected expenses throughout the month. Label this as your miscellaneous category in your budget. That way when something comes up, you can cover it without taking away money you’ve already put somewhere else. Keep track of expenses that frequently end up in this category. Eventually, you might even want to promote them to a permanent spot on the budget roster.

10. Cut up your credit cards.
If you’re really committed to sticking to a budget and getting out of debt, you need to ditch those credit cards for good. Stop using them! Cut them up, shred them, or even make a craft project out of them! Whatever you do—get them out of your life.

Having no credit card debt will mean no more minimum payments to add to the budget, zero hassle with fees or high interest rates, and much less stress and worry! Stick to using your debit card (and even cash!), and dump those credit cards like your ninth-grade fling. You know what the great thing about a debit card is? The money comes straight out of your bank account! There’s no middleman charging you 15% interest.

11. Use cash and the envelope system for certain budget categories that trip you up.
If you’re constantly overspending on your grocery budget or fun money, cash out those categories. Just go to the bank and pull out the cash amount you’ve budgeted for that category. I like to use clips to hold the cash together by category in my wallet. Once the cash runs out, stop spending! It’s the ultimate accountability partner.

12. Try an online budget tool.
If pen and paper (or spreadsheets) aren’t your thing, it’s time to join the 21st century and use a budgeting tool like EveryDollar. You can focus on planning a budget and tracking your spending from the comfort of your smartphone! Plus, you can sync up your budget with your spouse, which is great for keeping that communication open.

13. Be content and quit the comparisons.
You have much more than you realize. Don’t compare your situation to anyone else’s. Comparison will not only rob you of your joy but also your paycheck. Keep moving forward and doing what’s right for your family.

14. Have goals.
Whether you’re paying off student loans, building up your emergency fund, or paying off your mortgage, you need to focus on your why. What’s the reason you’re making these sacrifices?

15. Give yourself lots of grace.
It usually takes three to four months to get a handle on this whole budgeting thing. It won’t be perfect the first time, or the second. But you’ll get there!

 

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Sources*

How to Budget for Apartment Expenses – LaTisha Styles

https://www.daveramsey.com/blog/the-truth-about-budgeting

Autumn, Fall Leaves, Pumpkins and Winter Preparations Brought to you by Diamond Property Management LLC a Wisconsin Property Management Company

Fall is full of pumpkin cookies with cinnamon and sugar.  As the season turns into Autumn we have football, festivals, and fun! 

The hot humid temperatures decline it’s time to put the sandals away and bring out the sweater and place your sandals in storage.

The creatures and spiders are out not just for Halloween they will be looking for a place to relocate.

Autumn’s the time for “spring cleaning”!

With winter coming, it makes sense to tuck the family into a freshly-cleaned home via fall cleaning. Deep clean now to take advantage of good weather and to welcome approaching holidays with a clean and comfortable home.

Use Autumn’s brisk and breezy days to conquer deep-cleaning chores for a clean and comfortable winter home, and to wrap up summer’s outdoor lifestyle.

Wisconsin has had a lot of rain and sitting water even though we appreciate the help from spiders -this is a roommate who is not on the lease and I am not sharing my  living space with.

Spider season is starting in the beginning preparing your home from the coming winter months is imperative to do before old man winter arrives. As the frequently here “ Spring Cleaning” this is the time to prepare and clean up as our windows will be sealed up and we all prepare for hibernation.

Being proactive in checking weather stripping to keep drafts out and lowering utility cost, but also keeping out unwanted roommates.

Spider activity this time of year  although these neighbors typically will nest away from other predators (like you and the rest of us). They prefer low activity – damp areas like bathrooms and kitchens, and you may also find them in low and high corners too.

Clean and store patio furniture, umbrellas, children’s summer toys, but remember to wipe them down to avoid bringing them into your home. Wash exterior and interior  windows as you will want to enjoy seeing the snow flakes coming down clearly.

Some tips and areas to focus on

In the Kitchen & Bathroom the grout

Refrigerator

 Inside of your dishwasher

Clean and condition the wood of your bathroom and kitchen cabinets

Oven

Wash and disinfect all the garbage cans

In your common living areas

Vacuum upholstered furniture under your upholstered furniture cushions

Polish your wood furniture

Wash artificial plants

Dust living plants’ leaves

Wipe down your screens (TV, computer, etc.)

Clean all keyboards and remote controls

All Around the House

Wash your walls

Wash your windows, window sills, and all the window groves

Washer and Dryer

Clean your doorknobs, doors, and light switch plates

Vacuum under all beds, couches, and other furniture

Dust the tops of doors and door frames

Spot clean carpets and rugs

Clean floors underneath area rugs

Wash curtains or have them cleaned

Remove and rinse your window screens

Wash your washable vacuum cleaner filters

Clean your baseboards

Tackle Some Seasonal Maintenance

Rinse you’re A/C air filter

Replace your fire alarm batteries

Dust your ceiling fans and set them to turn so air circulates upward

 

Where are these Creeping spiders and bugging bugs coming from?

Long story short, spiders and insects are looking for food and the prime living conditions for our long winter. Keeping our outdoor plants inside during winter – these are great living conditions as they hide in the crevasses house these creatures, and when they see an opening into your home, off they go.

I was always told never pick up a Hitchhiker well as we put away the summer fun items and unpack the winter items we disturb these guys and gals! Spiders are like a stow away on boxes, outside items, equipment you move inside from the storage unit or garage.

Breaking and entering creatures – how to avoid them?

The best way to stop spiders from making your home their humble abode is to curtail their food source. Insects are attracted to food crumbs, and spiders eat insects, so be sure you’re regularly sweeping and vacuuming to keep your apartment pest-free. If you have plants, move them away from the entry points and windows.

Remember mice and other critters will be looking for the ideal conditions be vigilant of cleaning patio areas off for mouse motel opportunities remember as we gear up for winter so does nature.

 

Spider season is luckily short (typically September through early October) – and soon enough we won’t have to deal with pests at all come winter!