For Rent

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A sweet little cottage bungalow in downtown Orlando with 2 bedrooms and 2 bathrooms and wood floors. This one is babelicious. $1,750 per month. OPEN house this SUNDAY, February 3rd from 2-3pm for prospective tenants.

Call Linda at 407-925-7721 Cell or Text

7 Tiny Ways to Fit Decluttering Into Your Morning Routine

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Nothing is worse than coming home to a messy apartment after a long day, but finding the time to clean in the morning can be equally daunting. That’s why we put together a list of micro decluttering tasks that can easily be incorporated into your morning routine. Read ahead for seven super small ways to organize your space in the AM, so you can start the day off productively (and come home to a tidier place when it’s over).

1. Clean out the fridge while your coffee brews

If you’re anything like me (i.e. useless until you drink a cup of coffee in the morning), then chances are you stand around your kitchen desperately waiting for your coffee to brew. Instead of being totally ineffective before your morning cuppa, consider using those foggy few minutes to toss out some old leftovers and expired stuff in your fridge while you’re on standby.

2. Take some trash out with you when you leave

Whether it’s yesterday’s junk mail or a bag full of expired food, taking the trash out with you when you leave is a quick and simple way to tidy up your home—and keep it smelling fresh—without doing any extra work in the morning.

3. Pare down your closet while you get dressed

Too much of a good thing can be wonderful, unless you’re dealing with a ton of clothes and little-to-no closet space. Before you put off your yearly closet clean-out for spring, try this challenge every day for a week or more: As you get dressed in the morning, remove one article of clothing you don’t wear from your closet.

4. Slim down your medicine cabinet in the morning

Just like the closet tip above, you can make a commitment to a clutter-free bathroom while you get ready every morning. During your regular routine, every day for a week (or longer!), find one thing you can toss or recycle—like an expired product, ratty towel, or empty bottle.

5. Get your dirty laundry together before a shower

Looking for something proactive to do while your shower warms up in the morning? Use this sliver of time as an opportunity to get your next load of laundry ready, including the undies you’re about to drop, before you hop in the shower.

6. Clear off your coffee table before it’s phone time

If you prefer to pause for a moment to check your email or enjoy your morning coffee, don’t forget to declutter your coffee table while you’re at it. It only takes a hot second to throw out yesterday’s newspaper and put your remote controls away, but your whole apartment will appear neater if you do.

7. Make your bed as soon as you wake up

While it’s not technically removing any clutter, making your bed in the morning is a surefire way to minimize unsightly visual distractions when you get home. Take a moment to make your bed look nice in the AM, and you’ll have a much better time sliding into it in the evening.

Courtesy of ApartmentTherapy.com

Is Student Loan Debt A Threat to Homeownership? No!

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Over the course of the last thirty years, a shift has happened. An entire generation has been raised to believe that a college education is their key to unlocking opportunities that were not available to their parent’s or grandparent’s generations.

Due to this, student loan debt has soared to $1.5 trillion and represents the largest category of debt, surpassing credit card and auto loan debt in 2010 and never looking back. As more and more Americans continue their education amongst rising tuition costs, this number will no doubt increase.

Many housing experts have blamed student loans for a drop in the homeownership rate for young families, and to an extent, they’ve been right. Increased debt at the time of graduation has no doubt limited young people from being able to afford a home at the same rate as their parents or grandparents did at the same age.

In a recent Forbes article, the author explained that “in just the class of 2017, the average student has about $40,000 in debt — almost enough for a 20% down payment on a median-priced home.”

The Federal Reserve set out to determine exactly how much impact student loan debt has had on the homeownership rate of those 18-34 (millennials). Their results found that,

Every $1,000 in student loan debt delays homeownership by about 2.5 months, but it doesn’t prevent homeownership entirely.

 In fact, by the time college grads reach their 30s, those with student loan debt have a homeownership rate nearly identical to those who didn’t take out loans.” (emphasis added)

In the Wall Street Journal’s coverage of the Fed report, they found that recent graduates prioritize paying off their student loans over saving for a down payment, despite their desire to be a homeowner. Many with debt want to “get that monkey off (their) back (before they) make any new investments.”

This has just delayed the wave of young home buyers from hitting the market. But as Danielle Hale, the Chief Economist at realtor.com warns,

“2020 will be peak millennial, the year when the largest number of millennials will turn 30.”

 By age 30, those who attained a bachelor’s degree right after high school will be one or two years away from paying off their loans and will have been in their career long enough to earn a higher salary.

In the long run, research shows that attaining a bachelor’s degree or more actually increases the chances that someone will become a homeowner.

Bottom Line

If you are one of the many millennials who has prioritized paying down your student loans over saving for a down payment, you’re not alone. Even if you are a couple years away from paying off your loans, let’s get together to help you determine if waiting really is the best decision for you!