If you’re not one of those people who “seizes the moment” when you have the chance to save money, it might pay to establish some new bargain-hunting habits. When you adopt the mindset of a frugal shopper, you’ll become more effective at stretching your household budget and having more money left over after paying the bills.

One costly mistake a lot of people make is to wait until they urgently need something before buying it. Under those conditions, the pressure is on and your choices for saving money are usually limited. If your priorities include saving money, getting the best deal, or stocking up for future needs, then buying things when they’re on sale is often the way to make your funds go farther. Here are a few examples of opportunities that can pass you by if you don’t take advantage of them while you can:

  • Going out of business sales: There are a lot of reasons a store might be closing its doors, but in many cases that closure could mean substantial savings for you and your family. If the manager’s objective is to liquidate as much of the store’s inventory as possible, then you could easily negotiate incredible bargains. Although a store’s signs and ads might be more promotional than factual (“Everything must go! No reasonable offer refused!”), if they’re selling things you need or anticipate needing, it’s probably worth stopping by and checking out the sale.
  • End of season sales: When a season or major holiday comes to an end, you may not be in the mood to buy a discounted snow-blower, lawn mower, or Christmas decorations. However, if you can afford it and you know it’s something you’re going to need next year, it may make sense to buy it now and enjoy the savings later.
  • Scratch and dent sales: Consumer products like household appliances can be quite expensive if you don’t look for sales, compare prices, and take advantage of money-saving opportunities. If a retailer is willing to reduce the price of an appliance, a furniture set, or a piece of home office equipment because of a cosmetic flaw or some other minor issue that won’t affect it’s performance or quality, you might be able to get an exceptionally good deal on the item. Sometimes asking a store manager if they have any unadvertised discounts or distressed merchandise can result in unexpected savings.
  • Surplus merchandise, overstocks, clearance sales, and closeouts: Theoretically, you should be able to save a bundle of money when you shop at stores advertising clearance sales and surplus inventory. Although results may vary depending on the nature of the sale, it often pays to keep an eye out for clearance or surplus inventory sales when hunting for good bargains.

Saving money begins with a certain frame of mind and a strong desire to stretch your household budget. It just takes a little determination, research, and advance planning to ferret out an assortment of worthwhile sales, discounts, and money-saving opportunities.

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When you buy a home, you may wonder what the benefits of having your own realtor to represent you are. If you’re a first-time homebuyer, you probably will have a lot of questions. If you’re a second-time homebuyer you may still have a lot of questions! Buying a home can be a long, tedious process. It’s very helpful to know that you have a knowledgable realtor by your side to represent you and help you through the home buying process. If you’re looking to buy a home in a tough market, hiring your own realtor to represent you as a buyer is especially important. 

First, you should consider interviewing some prospective buyers agents in your area. Maybe you can get recommendations from friends and family as well. Learn what you can expect from a top realtor who will represent you as a buyer. 

Honesty Is The Best Policy

Your agent should be completely honest with you. While they can’t tell you what you personally want in a home, they should give you every last disclosure. No agent should put a home value or their own commission above their clients. This means that there’s strict documentation that realtors must follow including a code of ethics and standards for practice. A realtor must uphold these promises.  

Judging honesty in a realtor can be difficult. An honest real estate agent will help you through the home search process, for example. This is a good place to start. If the realtor points out some of the potential issues that you may have as a buyer in a home, you can see that honesty is one of their main policies.

Good Communicator

A realtor should be in frequent communication with you. Even if your home search isn’t active, they will check in, and see where you’re at in the process and if your needs have changed. 

Your realtor should alert you if offers have been made on properties that you’re interested in as well. Your buyer’s agent should reply to texts, e-mails, or calls within a short time frame of receiving them. Having a realtor that’s on top of things for you is important when it comes to buying a home since, without their help and information, the perfect home could slip through the cracks for you.                  

Knowledge Of Rules, Regulations, And Best Practices

Your buyer’s agent should have extensive knowledge of the real estate rules and regulations that are within your state. Each state has different practices when it comes to buying a home. Hiring a buyer’s agent is especially helpful if you are unfamiliar with a state or city. Your agent will be well-informed on all of your responsibilities as a buyer, as well as how and when you should complete these tasks and signings throughout the entire home buying process.

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