Tips on How to Keep Your 2020 Resolutions and Goals

Okay, so you took the time and set yourself up to grow for the new year! Great job! Yet, now so soon into the new year you might be feeling a bit discouraged, realize the true impact of your goal, or you may just not know how to go about making the change. We understand all of these situations. We also love to meet goals and do better, so as you work on you – we’re on your team! Here are some simple tips that can hopefully help you in sticking to your resolution.

Find accountability. A lot of people suggest sharing your resolutions with friends or a support group working towards for similar goals. This can feel a little scary because speaking it means you are responsible for it. Yet, friends and support should be ready to cheer you on – so there’s little to fear. Having someone to check in with you weekly or monthly can help you process what you’re doing, and perhaps what you could do more of, or better. Find the right folks to help you get motivated and encourage you.

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Spending more time with family is a great resolution. 

Try to have tunnel vision. It’s usually best to focus on one goal, but if you’re like me you’ve got plenty you want to do. So, if you made more than one resolution that doesn’t mean your off the hook for this one. It means you need to plan out some events/ support groups that will help you in each goal: perhaps divide your resolutions up into sets of months (one resolution gets two months, then you start with another), or simply spend time reflecting on your progress on each one individually.

Track progress/ success. One of the biggest downfalls for trying to change or create new habits is that people don’t realize how difficult it is to do what they want to do. Beyond that, when we don’t achieve what we thought we would – it’s all the more discouraging. A great way to combat this is to write down your small wins and progress. Journaling isn’t the only way though. You can reward yourself with a treat when you reach a milestone or have friends celebrate with you!

Be okay with stumbling. You will falter. That’s okay. Accept that as learning, lean into what it can teach you. Give yourself some time, evaluate where you slipped, and then try again. There’s no shame in that. The most thorough successes are met with a tried and true path. Learning looks a lot like missing the mark but that way it sticks with you and you understand truly earning it.

Ask for help. Trying to make a fitness goal? Ask a friend to register with you for a 5K. Add people to your goal. It’s so much better when you aren’t alone. Perhaps you have a friend that really excels in a direction you are trying to go – ask them for their tips and tricks. You probably have more resources and support available than you realize.

Change is hard, but 100 percent worth it. You can make those resolutions a reality. Take small steps, accept when you trip, and enjoy the ride. It’s going to be quite the year!

Make This Year Sustainable

 

Why it’s Important to View Our Mobile Homes in Person

With the internet and how sophisticated listings are today, buyers are more and more likely to purchase a home without viewing it or going through traditional channels. Now, certain situations may warrant someone buying without viewing – but we highly discourage it. There are just certain things you can only get a true feel for by visiting. What kind of things you might ask?

Learn the location and neighborhood. Photos don’t always tell you enough about a neighborhood or area. They can’t give you a feel for what’s butted up against the home. They won’t show you how the homes surrounding your potential home look. They don’t tell you about the best wing restaurant being just up the street! The places around your home are quite important – learn your proximity.

Talk to the neighbors (if there are any). When we were looking at our house, one of the neighbors introduced themselves and told us about the previous owner’s work to the home and how they enjoyed the area. This was a big encouragement to us. Another place we visited, the neighbor stared at us the whole time with a scowl watching where we parked. My point is, neighbors matter. Whether they tell you a place is great, not so great or just show you with their attitude, it can make an impact.

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Meeting neighbors while searching for a home is great idea. 
Seasonal changes. You can’t tell what homes look like in and out of season. You still won’t visit the home each season probably, but you can get a feel for some different aspects. Perhaps when you visit the home and it’s raining, and you notice some flooding or pooling or water that needs to be addressed. Maybe you see it at sunset and notice where the light falls in the house. You could even see a meadow behind the home you didn’t see in the summer photos because the leaves hid it – the list goes on. See your potential home in a variety of situations, times, and weather if possible.

Look out for problem areas. Visiting a home will allow you to see potential problem areas. Big problems could include soft spots/ water stains or alike damage in the home. Bad electrical or plumbing may be evident by trying light switches, outlets, and looking for leaks or slow draining of water if it’s turned on. These items are quite expensive and can be an unwanted hit to your wallet. Figure out what you’re willing to fix and what’s too much.

Let your imagination take hold. Visiting the home allows you to dream. It helps you see where your kids can play, or your grandparent can sit, or where you’ll spend most of your time entertaining. Walking through a home helps you visualize your family living there and even how you can decorate it! It helps the dream materialize a little more.

An informed buyer is a happy buyer. With any home, even a brand new one – there will be some surprises and things to deal with- it’s just part of the responsibility of being a homeowner. However, if you can alleviate yourself from some of these things, why not do it?

Check Out Our Homes!

Call or chat us at vmfhomes.com to view a home today!

The Truth about These Mobile Home Myths

Many opinions and ideas have been taken as fact when it comes to mobile homes. But as manufactured housing continues to evolve and gain popularity, it’s important that these myths are eliminated.

If you’ve seen one model, you’ve seen them all.

Maybe 30 years ago this statement had some grounds, but not now. Mobile homes are no longer built all the same. There are a wide variety of models with traditional to upscale layouts and materials. Mobile homes are evolving and changing.

Just look at the popularity of small manufactured homes. The whole idea of smaller homes is to provide a small, efficient space. There are mobile homes for a variety of budgets and lifestyles.

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They are starter homes.

A mobile home can the home you live in all your life, especially now. In the past, mobile homes were sometimes considered transitional, temporary housing. Today, they are an investment for many families.

We are often told we have to have a bigger or more expensive home and that we should not be satisfied with the first home we buy. But when it comes to your home, you decide. If you love your home, then you love it. You don’t have to have a bigger, newer home. Your home has character. Your home is YOURS.

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Your forever home is right here.

Mobile homes aren’t built well.

Manufactured homes are built indoors, which helps to protect the home from weather during the building process. Also, mobile homes are typically built on sturdy, steel frames. They are built to comply with federal HUD Code building requirements, which enable builders to build with consistency and quality. Check out code standards.

They are not built to withstand storms.

No home is indestructible, but manufactured homes are built with weather in mind. Manufactured homes built to HUD Code must be built according to which wind zone the home will be located in. There are three wind zones based in the United States.  Coastal areas are in the highest wind zone, Zone 3. Zone 3 homes are built to be able to withstand 110 mph winds. Wind Zone 2 are built to withstand up to 100 mph. Zone 1 homes are located in more interior areas of the country. In these areas, the threat of hurricanes is much lower, so Zone 1 homes are built to withstand lower wind speeds. Get educated about wind zones!

Can Mobile Homes Build Equity?

Personal Finance Goal Ideas for 2020

When it comes to financial planning some people want to run the other way, while others make a list that they never apply to their situation. But plans are nothing without specific goals to achieve before that year is out. You’ll find too that even if you’re unable to achieve a goal – you’ll have set yourself up to getting closer to it just by knowing your endpoint and moving towards it. With that in mind, let’s look at some practical ideas that help you move forward.

Raise your credit score __ points. You decide how many points feel feasible. This goal is helpful because instead of just saying better your credit score – you can measure your success. Don’t know how or where to start? We’ve got you covered with some ideas on how to build your credit.

Save a certain amount. Pick a number and set up the guidelines of how to reach it. Base it off of your budget and income – don’t reach for something unrealistic, but don’t make it easy either. Have something in mind for what you’ll save. Think something like: saving to pay off a piece of debt, to pay for a home update, to fix a car, to be generous, or to give a special gift. Starting from scratch? Let’s get that budget figured out!

Pay extra towards the principal of a piece of debt. We all know interest is crippling, right? So, why not try to get ahead of it a little bit? Some loans will allow you to allocate where your money goes. You might try to allocate an extra $50 to your monthly payment directly at your principal. This reduces the overall amount and lessens what you pay interest on. It can also cut time off the life of your loan.

Write down purchases/ balance your checkbook. Tracking what you spend isn’t a blast, I get it. However, with the digital transformation of our money it’s so important to keep track of where it’s going. Not only is this a good habit to combat over-drafting or cutting it close, but also it can help you realize your spending habits. Sometimes we don’t realize what we regularly spend on that isn’t needed. This is a good place to trim the budget.

Spend less in one specific category. If you discover that you overspend in one area or you already know a problem area, give yourself guidelines for how to do better in that certain area. Either cut yourself off completely, make a budget for how much you can spend, or make smarter purchases within that category.

Start with simple investing. Investing can seem hard to get into but there are low-impact things you can do first. Start by researching, asking someone you trust how they invest, or consult a professional. Never make an investment you feel unprepared for.

We hope that these ideas get you inspired and hopeful about reaching accurate and helpful goals. Remember a step is a step and we commend any progress. Take a step by focusing on your financial planning.

Get Some Help With These Strategies!

4 Simple Holiday Decor Ideas that Bring All the Cheer

Holidays are a spectacle of tradition. Families across the world celebrate a number of different ways this season. From Kwanzaa to Hanukkah each one has a unique style, foods, and culture that showcase the holiday. When it comes to Christmas, we love seeing this variety of displays. Whether you’re starting your own decorating or just looking to make a few changes – these ideas are sure to make you fall in love!

  1. This pastel party is such a sweet rendition. If you’re looking for something a little more unique than the classic color scheme – this one’s for you! This candy-colored pallet will give you a hint of brighter days and inspire your inner child.
  2. Ahh a classic Christmas! A touch of gingham and pine cones makes this style warm and inviting. You can buy these items, but you also can find a lot of them in your yard! We love the simplicity of this style! Don’t forget that pop of red!
  3. This minimal white theme is a dream. It’s a modern twist on the classic and we love how wintry it feels!This soft white vibe is so comforting.
  4. This red and silver theme is so festive! We love those glass tree accents – can you say timeless! This shiny and sleek style has all the magic of the season.

Which of these makes you feel inspired? We hope these get you ready to design your own home for the season!

Try Making One of These Ornaments!

 

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Easy, Nail-Free Options For Hanging Lights On Your Mobile Home

Hanging Christmas lights seems like an easy, stress-free decorating event, but it’s not. Unless, you have a strategy! Depending on how the gutters are laid out on your mobile home or how your roof is structured you’ll have some options on how you can hang your lights well. We will leave skip on the nails and choose methods that won’t damage your gutters. Let’s look at what ways we can hang the lights without struggle.

First things first:

  • Before beginning the process, you want to be sure you know how long of an area you’ll be covering with lights and you’ll want to be sure you can reach an outlet. Measuring the length with a measuring tape is way better idea than eyeballing it – don’t skip on this step.
  • Check to be sure you have proper extension cords labeled for outdoor use.
  • Also, before putting lights up be sure your strands work, and no bulbs are missing or burnt out.
  • Next find a ladder and safely assemble it and get a friend or family member to be a spotter. Don’t have a ladder? Try an extender rod to help you hang your lights with ease and a little more safety.
  • Beyond this think up your layout and where you’ll be putting your lights. Once you’ve checked on these things and have a layout plan, now you’re ready to consider how to hang your lights!

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    Brighten up your home with ease! 
  1. Want a super easy was to hang lights? Instructables recommends using badge office clips to hang your lights! Honestly, what a great idea! Not only does this keep your gutters clear and not damage your gutters or lights, but it also is secure. Simply wrap the plastic around the cord and clip the light to part of your gutter.
  2. Another great option is plastic s-hooks! These are affordable and light weight.
  3. You could also use some type of adhesive hook and place them under the gutters according to an exterior expert’s website. Be sure to get strong hooks that can deal with weather. Learn how to do the process here! 
  4. There are also under the gutter specific clips that you can use if you have gutter guards.
  5. You can also use zip ties for railings or any areas that have holes.

We hope that this helps you make the exterior of your mobile home look amazing! We hope this takes the stress and struggle out of decorating! Now here’s to making your home look festive!

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5 Actions That Will Help You Start Tackling Your Debt

Don’t wait for a resolution, a life-change, or more money – create the discipline of paying on your debt now. Even if you can’t pay as much as you’d like, doing the smallest amount and setting yourself up in other areas will make an impact.

So, we are looking at five practical actions you can start that will put you on the track to staying on top of your debt and ultimately, paying it off. If you’ve been waiting for a sign to start your game plan – this is your flashing neon light.

Start a passive line of small savings. Whether you’ve been saving or not, always start your seasons of paying with saving. If it’s $5 dollars you save, and $5 dollars you pay – so be it – that’s something, and we aren’t shrugging our shoulders at progress. I favor automation as a way of saving because you can be lazy and benefit from it. Here are some ideas about how to save. You should always be saving. Especially, if you’re spending money. The amount isn’t as important as the discipline.

Pick a piece of debt that you can whittle down. Now that you’ve created a stream of savings that you can pull from, you can decide what debt you’ll diminish. There are tons of strategies, here are a few to get you thinking. Pick what fits you. I personally like hitting the highest interest debt first. That’s what works for me.

Outline how much you want to pay off and how much you’ll pay towards each item. Being specific and honest is the best way to confront your debt. Set a goal or goals for items that you want to pay off/ towards. Then decide how much you’ll allocate to smaller pieces of debt – this will differ based on your strategy. It’s important here to consider your season of life. If it’s in your best interest to make big payments towards something – do it. However, if slow and steady is better for you do it. Movement is movement.

Keep focus. It’s not fun or a good time paying off debt. It can feel easy to cut corners, or stop and wait until another time. However, keep focus and stay consistent. That’s the best thing you can do. It won’t get easy, but you’ll get closer.  You’ll get to a space where you can re-evaluate and focus your goals in more and see what other options you have. That’s one of the best strategies, pay some, zoom in more, and keep repeating until you’re there.

Follow your budget and make long-term decisions. A budget will help you stay on track. Budgeting your debt and how to pay it is vital. Following a plan will help you eliminate being surprised by numbers. When paying off debt you need to think about the future. Obviously, we can only plan with so much understanding of what will happen. Yet, we can we can do the best we can with what we have. Is your budget non-existent or less than stellar? Read up here on how to start budgeting well.

These actions are easy ways to being to chip away at debt and make it approachable. If it seems intimidating break it down and keep doing that until it’s in pieces small enough to assess. You’ve got this.

Set Goals Today!

Create the Perfect Organized Mudroom

Mudrooms are the ideal catch all. Many mobile homes have them, too – even if it’s only a little extra space in the laundry room. This is the best space to maximize as it can be a place of chaos or calm – depending on your willingness to make it in to an organized space. Let’s get some ideas on how to create and maintain your space!

Needs some inspiration on how to make your area all it can be? Here’s a few of our favorites.

There are a couple must haves that make a mudroom successful:

  • A place for your keys
  • A hook for jackets
  • A spot to put shoes

And a few nice to haves:

  •  A seat/ chair
  • A place for décor/flair

Are these the things your family needs? Think about your everyday and what you unpack most in your home. You may have pets and leash hook is important. You may want this area to also be your mail center. Decide what fits your needs first, then look at how to create it.

Our mud room has a spot for keys, a quote (because I love some inspiration when I come and go), and a small shoe shelf. Our space still needs a little love to be the ideal mudroom catch all.

If you don’t have the appropriate built-ins and don’t want to build your own, try measuring your space and seeing what shelves, benches, hooks, coat racks, etc. You could shop for those items to fit to and make it efficient for your family and keep your home organized.

We hope this gets you ready for coat season and keeps your home a little more organized. Plus, it may just mean getting to work/school on time because you won’t have to look for as many things! They’ll all be in one place.

Organize Your Entire Home!

How to Buy Parts for Your Mobile Home

If you’re repairing your mobile home, updating a room, or even maybe you’re an investor – you probably are looking for mobile home parts. Seems easy enough, right? It can be for sure, but if you’re looking in the wrong places or in the same places as site-built products you may come up short.

Let’s look at how you can find the right product every time.

According to a popular mobile home maintenance site, it’s a good idea to look for part numbers – which can be found on specific pieces. Also, a user’s manual can be quite helpful in the replacement process. If you’re unable to find that – contact your manufacturer.

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Find the right products for your project, by shopping for mobile home specific parts. 

After finding ways to identify the specific product so you can accurately replace it – it’s time to think about where to get your products.

  1. Online. More than likely this will be your best bet. Especially if you live in a rural area or you need a big order. You do want to take extra care when ordering that it matches what you need and call a store if you’re uncertain about parts so they can help you understand what you need to order. Be mindful of return policies! Check out some trusted sites here. *A popular mobile home education site, makes a great point to think about shipping. Bigger items can cost more and you’ll likely have to pay to return an item if it’s wrong or you don’t need it. They make a ton of good suggestions and offer more great tips about ordering parts here.
  1. In store. Look for a mom and pop type shop that will treat you right. Another great suggestion from the repair site, is to take pictures of the parts you need if you aren’t familiar with the parts yourself. This will limit confusion and help an employee help you better.

We hope that you’re able to find the parts you need for your latest project and that this makes your process a little easier. Remember that items like windows are doors are usually specifically cut for mobile homes. Check your sizing on everything you order as well. There’s no size fits all and that’s just another reason we love these diverse homes!

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