Yvonne McNamara
SUCCESS! Real Estate | 508-858-8044 | ur@homewithyvonne.com


Posted by Yvonne McNamara on 5/20/2018

In this day and age, there’s no reason to have to worry about forgetting to pay your bills on time. There’s also no reason to have to write a check or even log into a website each month to pay your bills.

Using a combination of digital tools, it’s possible to fully automate your bill-paying process so that you can spend less of your free time trying to remember your passwords and entering debit card numbers and more time doing the things that make you happy.

Benefits of auto-pay

There are plenty of reasons to automate your household bills. More free time and less time stressing about money are two of them. But, did you know that automation can also be a great way to help you boost your credit score?

Late payments on mortgages, student loans, utilities, internet, and cable bills can all negatively affect your credit score. By setting up auto-pay, you can make sure you make your payments on-time, helping to build your credit.

Another huge benefit of bill automation is that you can actually earn money and other rewards by making on-time payments.

For example, setting up your bills and utilities to charge to a credit card with cash back rewards can help you earn money by paying your bills. The one caveat is that you need to make sure you pay off your credit card balance in full each month. How do you do that? With auto-pay!

Where to automate

As I mentioned before, many monthly bills can be charged to a credit card which you can use to earn rewards. However, you won’t be able to use a credit card for all of your bills. Mortgage payments, student loans, auto loans, and oftentimes utility companies will require a checking or savings account with a routing number.

In these cases, it’s still possible to set up auto-pay through either the company’s website, or through your bank’s bill-pay feature.

Need help with a list of things you could be automating? Consider setting up auto-pay or bill-pay for these services:

  • Cable

  • Internet

  • Cell phone

  • Electricity

  • Entertainment (Netflix, Amazon Prime, Hulu, Spotify, etc.)

  • Rent

  • Mortgage

  • Student Loans

  • Insurance

Automation of the future

So, we’ve covered some of the most common ways to automate your home expenses. However, recent technologies are making it even easier to run your home and keep up with the bills.

One new innovation is Amazon’s Dash button. This service enables you to just tap a button on your smartphone or tablet whenever you need to order new pantry items for the home. Alternatively, you can subscribe for common household goods like cleaning productions, paper towels, and dish soap so that you never run out. And, with Amazon Prime, you don’t have to worry about shipping costs.


Between home automation and auto-pay, you should be able to make your home significantly easier to manage and reduce the amount of stress related to paying the bills.





Posted by Yvonne McNamara on 5/13/2018

Spring time after a long winter is always a welcome change. But soon, long summer days will bring scorching heat to your home.

Preparing your home for the summer is something many of us don’t do until it’s too late--as we’re hoisting an air conditioner into a window on a 90-degree afternoon.

In this article, we’re going to help you avoid such struggles. Read on for advice on how to prep your home for the summer heat.

Air conditioners

We’ll start with one of the most important objects in your home when summertime arrives--your air conditioner or HVAC systems.

First, change your filters. After almost a year of collecting dust, your filters will need to be cleaned or replaced to best circulate the air in your home. A dirty, clogged cooling system is bad for your home in more ways than one. The unit will struggle to circulate air and will have to work harder. That could mean components breaking on a hot summer day leaving you stranded in the heat. Over the long run, it can cost you more on your utility bill as it has to run longer to achieve the same temperature change.

Refrigerator and freezer

Another thing you’ll want to clean is the coils or vent on your refrigerator. If the temperature in your house drops in the summertime, then your refrigerator will have to compensate for that temperature change and work harder to stay cool.

As I learned last summer, there’s nothing worse than losing an entire trip to the grocery store when your refrigerator stops working in the middle of the night and it takes hours for a repair technician to arrive.

This is also a good time to decrease the temperature setting in your refrigerator or you might find that it isn’t keeping your perishables at a low enough temperature.

Prepare for insects

You’ll be tempted to toss open the windows to let in a cool, summer evening breeze, but if you haven’t checked your screens you might be inviting in more than refreshing air.

Make sure your screens have no holes, including your windows, doors, and other ventilation systems that lead to the outside.

Use smart lighting and cooking practices

There’s no need to bring in more heat than is necessary in the summertime. Close the blinds and curtains on the east side of your home in the morning and the ones on the west side in the afternoon to decrease the greenhouse effect of warming your house with sunlight.

Similarly, opt for cooking outdoors or using your microwave when possible to avoid heating up the kitchen.

Clean the kitchen

Kitchen odors become worse in the summer heat. To avoid unpleasant odors, the spring is a good time to do a deep clean of your kitchen. Emptying and cleaning your cabinets, throwing away expired food, and degreasing the surfaces in your kitchen will help avoid kitchen odors.

Once you’ve achieved the items listed above, you’ll be on your way to staying cool and refreshed during even the hottest summer days.




Tags: air conditioner   summer   hot  
Categories: Uncategorized  


Posted by Yvonne McNamara on 5/6/2018

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Ready to buy a house? It pays to be proactive, especially if you hope to streamline the process of acquiring a terrific residence at a budget-friendly price.

A superb house is likely to stir up interest from large groups of homebuyers. Fortunately, with a proactive approach, you can stay ahead of the homebuying competition and boost your chances of securing a wonderful house.

Ultimately, there are several best practices for proactive homebuyers, and these practices include:

1. Search for Homes Early and Often

The early bird catches the wom. Much in the same vein, a proactive homebuyer is better equipped than others to achieve his or her desired results.

Keep a close eye on the housing market – you'll be glad you did. If you monitor home listings in your city or town, you can quickly identify potential properties that you may want to buy.

In addition, evaluate housing market trends and patterns. With this housing market data in hand, you can differentiate between a buyer's and seller's market.

2. Get Pre-Approved for a Mortgage

Meet with several banks and lenders in your area. By doing so, you can explore a variety of mortgage options and select one that complements your finances.

There is no shortage of mortgage options at your disposal. For example, many homebuyers prefer a 30-year fixed-rate mortgage, which guarantees they will pay the same amount each month for the life of a mortgage. On the other hand, some homebuyers choose a 15-year adjustable-rate mortgage, which features lower upfront payments that gradually increase over time.

If you're uncertain about which mortgage option to select, there is no need to worry. Banks and credit unions employ friendly, knowledgeable mortgage professionals who can help you make an informed decision.

Perhaps best of all, meeting with mortgage professionals guarantees you can receive expert responses to your concerns and questions. These mortgage professionals will devote the necessary time and resources to assist you and make it simple for you to select a great mortgage.

3. Collaborate with a Real Estate Agent

If you want to enter the housing market, there is no reason to wait. In fact, if you contact a real estate agent today, you can immediately launch a successful homebuying journey.

A real estate agent is dedicated to your homebuying success. He or she first will learn about your homebuying goals, ensuring you can start the homebuying journey on the right foot. Then, this housing market professional can help you narrow your search for your dream residence.

In most instances, a real estate agent will set up home showings, keep you up to date about new residences as they become available and help you submit home offers. This housing market professional also provides a one-of-a-kind homebuying resource. And if you ever have homebuying concerns or questions, a real estate agent is ready to respond to them.

Don't wait to kick off a homebuying journey. Instead, use the aforementioned tips, and you can become a proactive homebuyer.




Categories: Uncategorized  


Posted by Yvonne McNamara on 4/29/2018

Although buying a home should be a fast, seamless process, negotiations with a home seller sometimes can slow down the homebuying journey.

Let's face it – no one wants to deal with long, arduous negotiations, particularly when they are close to acquiring their dream residence. However, homebuyers who prepare for the worst may be better equipped than others to avoid a complicated homebuying negotiation.

What does it take to prepare for a difficult homebuying negotiation? Here are three tips to help you do just that.

1. Understand the Housing Market

If you submit a competitive offer on a residence from the get-go, you may be able to avoid a difficult homebuying negotiation altogether.

Ultimately, a homebuyer who allocates the necessary time and resources to learn about the real estate market will understand how one residence stacks up against another. Then, he or she can submit a home offer that matches or exceeds a home seller's expectations, thereby reducing the risk of an extensive homebuying negotiation.

2. Analyze Your Homebuying Goals

A homebuyer who analyzes his or her homebuying goals can map out his or her property buying journey. That way, this homebuyer can assess homes that fit within his or her price range and minimize the chance of a complex homebuying negotiation.

Furthermore, if a homebuyer sets realistic expectations for a home search, he or she may be able to make informed decisions throughout a negotiation with a home seller.

A homebuyer who knows how much he or she can afford to pay for a house will be able to submit a home offer that corresponds with his or her budget. And if a home seller asks for more money, a homebuyer should feel comfortable walking away from a negotiation.

Remember, it is paramount for a negotiation to fulfill the needs of both property buyer and seller. If the negotiation favors a home seller, a homebuyer should be prepared to restart his or her home search.

3. Keep Your Emotions in Check

It is easy for a homebuying negotiation to escalate quickly. But a property buyer who understands how to control his or her emotions can take a step back during a stressful homebuying negotiation and plan his or her next move accordingly.

Stress sometimes can get the best of a homebuyer, especially if a property buyer wants to do everything possible to secure a great home as quickly as possible. If a homebuyer plans for stressful situations now, he or she may be able to reduce his or her stress levels when a homebuying negotiation begins.

Don't be afraid to take time to relax during a homebuying negotiation. Going for a walk outdoors or hanging out with family members and friends may provide a stress-relieving break from a homebuying negotiation.

Or, if a homebuyer wants extra help, hiring a real estate agent is ideal. This housing market professional understands the challenges of homebuying negotiations and will help a homebuyer alleviate stress time and time again.

Ready to acquire your ideal residence? Use the aforementioned tips, and you can get ready for a difficult homebuying negotiation.




Categories: Uncategorized  


Posted by Yvonne McNamara on 4/28/2018

This Single-Family in Mansfield, MA recently sold for $403,500. This Contemporary style home was sold by Yvonne McNamara - SUCCESS! Real Estate.


163 East St, Mansfield, MA 02048

Single-Family

$419,900
Price
$403,500
Sale Price

9
Rooms
4
Beds
2
Baths
Home is back on the market due to Buyer losing their financing. Let this be Your Opportunity to Own This Conventional Mansfield Home Located Near the School Complex and Downtown. This Wonderful Home has 4 Bedrooms; 2 Bathrooms; Large Kitchen with a Double Wall Oven, 5 Burner Cook-top, Dishwasher, Lots of Cabinets and an 8 ft Island. Spacious Family Room has Vaulted Ceiling, a Pellet Stove and has Access to the Patio with Sizable Backyard. Central Air will Keep You Cool in the Summer and the Gas Heat will Keep You Warm in the Winter. 1 Car Garage has Electrical Panel with Back-Up Generator. Less than 1.5 Miles to the Commuter Rail and Just Minutes to Routes 95 and 495. Listing Agent is Owner. Seller's Disclosure, Lead Paint Notification and pre qualification mortgage letter must accompany all offers.

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Categories: Sold Homes