No matter the house, you might find a time to say “goodbye.” This could be because of a new job. Maybe the house isn’t large enough for you to start a family. Or maybe, you’ve grown older and taking care of an entire house has simply become far too much work. For many, this means that it’s time to refinance a mortgage and start looking at the market. However, for a handful of more senior homeowners, you have more to consider if you’re looking to offload your property and scale to something a bit more reasonable. What is refinancing? When it comes to loans and mortgages, refinancing is typically a fancy way of saying “replacing.” Most commonly, this is done when a loan is a bit too risky or expensive. Many times, you’re able to refinance that loan into a better, more agreeable one. It’s a savvy way to acquire…

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All across this nation, people have a problem: Too much stuff. No, this isn’t “affluenza” — or, at least, that isn’t the only problem. You don’t have to be rich to find yourself surrounded by clutter, but even being wealth and owning a big house isn’t a solution: Experts agree that our clutter problem has gotten worse even as American houses have more than doubled in size since the 1950s. Whatever’s behind this, it’s clear that Americans are overwhelmed by their own stuff. Memphis, Tennessee, is not immune to this problem. While less packed than some other American cities, Memphis has plenty of cozy homes and small apartments (besides, we just talked about how easy it is to get overwhelmed even in larger spaces). That’s why it’s crucial for Memphis residents to know how to better declutter, organize, and store their possessions. Reclaim your space. Turn records, photos, and more…

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For many people living in the United States, the holiday season can be a time of relaxation, celebration, togetherness, and family. Preparing for the holidays usually includes the hustle and bustle of shopping for decorations and gifts. According to the National Retail Federation (NRF), the average amount of money consumers reported they would spend on holiday shopping in 2018 was expected to be up 4.1 percent from what they approximated they would spend in 2017.  Research shows that a growing number of consumers do their holiday shopping, in person and online, during Thanksgiving weekend. Black Friday is an especially-busy shopping day. In fact, 60 percent of holiday shoppers begin browsing items and making purchases in November. Holiday shopping is something many Americans look forward to even before the holiday season officially begins. 21 percent of holiday shoppers reported that they plan to start shopping in October, and 18 percent of…

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All across this nation, people have a problem: Too much stuff. No, this isn’t “affluenza” — or, at least, that isn’t the only problem. You don’t have to be rich to find yourself surrounded by clutter, but even being wealth and owning a big house isn’t a solution: Experts agree that our clutter problem has gotten worse even as American houses have more than doubled in size since the 1950s. Whatever’s behind this, it’s clear that Americans are overwhelmed by their own stuff. Memphis, Tennessee, is not immune to this problem. While less packed than some other American cities, Memphis has plenty of cozy homes and small apartments (besides, we just talked about how easy it is to get overwhelmed even in larger spaces). That’s why it’s crucial for Memphis residents to know how to better declutter, organize, and store their possessions. Reclaim your space. Turn records, photos, and more…

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