Tag Archives: home equity

Fall Back in Love with your Home

Many of us reach a point where we begin to feel a little blah about our home, but moving is not always an option. Here are some tips on how you can get a “new” home without the moving truck.

Little changes can have a big impact
Painting walls, changing light fixtures and knobs, and adding curtains and plants can give your home a completely different look for only a few hundred dollars. Rearranging furniture, artwork, and knick-knacks can also freshen things up, and the only cost is a little time.

Expand
Converting an unfinished attic or basement can be a great way to get extra space at a fraction of the cost of building an addition. Adding a deck is another fairly simple way to increase your space. If you are hiring a contractor, be sure to get quotes from at least three and check their references.

Make the most of what you have
If expanding is not an option, you can still make your space seem bigger. Clean and throw away, donate, or sell anything you don’t need. If you have a little cash to spare, you can buy organizational tools, like shelves and hooks, and furniture that provides extra storage space, such as a coffee table or bed with drawers.

Need some extra funds to get started on one of the above projects?
Connect with a Loan Specialist and ask about our “Celebrate Summer” 12-12-12 Loan or if it’s a bigger project, a home equity could be an option – (800) 452-0915 option 2 | loans@usacu.org

Want more financial advice? As a benefit of belonging to USAgencies Credit Union, you have access to BALANCE, a free financial education and counseling service. Their certified counselors can answer your questions, review your credit report, and help you create a budget. Learn more about BALANCE.

 

6 Tips for Summer Energy Savings

The summer months bring sunshine, warm nights, and backyard fun + higher energy bills. Cut your costs with a few simple changes around your home.

  1. REPLACE YOUR OUTDATED AIR CONDITIONING UNIT. If you live in a home that’s over 20 years old, it may be time to consider purchasing a new, more energy efficient unit.
  2. ALTERNATIVE METHODS OF COOKING. Consider using your microwave or grilling outdoors. If you do need to use your oven, consider baking in the morning hours rather than in the heat of the day.
  3. AUTOMATE YOUR THERMOSTAT. Install a programmable thermostat to keep your home warmer during the day when you’re away at work.
  4. BLOCK OUT THE HOT SUN. During times of the day when the sun is at its hottest, pull your window treatments closed to block out warm rays.
  5. GIVE YOUR AIR CONDITIONING A BREAK. Cool your space down for less money with the use of oscillating room and ceiling fans.
  6. TAKE COOLER, SHORTER SHOWERS. Decrease the duration of showers to save on your hot water usage and consider installing a tankless water heater.

Need help with making some of these energy improvements? Connect with USAgencies for details on our Home Equity LoansLOANS@USACU.ORG | (503) 275-0300 option 2.