Julianne Krutka
Park Square Realty | 413-297-6718 | julianne.krutka@gmail.com

Posted by Julianne Krutka on 1/4/2018

It's amazing how one piece of carefully chosen, strategically placed furniture can drastically improve the look and feel of your kitchen, living room, or any other space in your home.

While it is very satisfying to pick out furniture that delights you every time you look at it, furnishing and decorating your home can take a big bite out of your budget. What many homeowners don't stop to consider, however, is that it is possible to get good deals on nice furniture without depleting your bank account.

Here are a few strategies for accomplishing that.

  • Take advantage of sales, discount coupons, and closeouts. When a furniture outlet advertises that they "will not be undersold," it's often worth your while to stop over and take them up on that offer. First, however, it's necessary to know what the competition is charging for the same or very similar furniture. Once you're armed with that information, you're in a good position to pay the lowest possible price. Like any type of shopping, comparing prices will save you money.
  • Dispense with your aversion to negotiating. Have you every heard people say "I hate negotiating" or "Negotiating makes me feel uncomfortable?" Are you one of those people? For whatever reason, it's a mind set many people have. The disadvantage of thinking this way, however, is that you may be missing out on chances to save hundreds, if not thousands of dollars a year. When you add up the savings and realize all the worthwhile ways you can use that saved money, you may reconsider your position on practicing the art of negotiating!
  • Estate sales can potentially be a great source of good quality, reasonably priced furniture, and sometimes you can stumble upon incredible bargains. For obvious reasons, your ability to negotiate the best possible deal increases as the end of the sale approaches. When you play the "waiting game" or tell them you'll come back later or tomorrow, you do run the risk of someone else snatching up that great dresser, coffee table, or antique lamp you had your eye on. Waiting can be a gamble which sometimes (but not always) pays off. There's also an art and science to getting the best deals at antique shows, but effective bargaining requires the right mindset, a little knowledge, and plenty of practice.
  • Attending garage sales can also yield great bargains and unique finds. Homeowners holding garage sales are often motivated to liquidate their old furniture --especially if it's a moving sale. If you've ever held a yard sale, yourself, you know that the last thing you want to do at the end of the day is to haul unsold furniture back to the house when the sale is over.
With a little research, friendly negotiating, and patience, finding great furniture for the right price is an attainable goal.

Posted by Julianne Krutka on 4/17/2014

Everyone knows about coupons for everyday products we buy but did you know there are ways to save at places like the home improvement store, clothing stores and restaurants? Beyond the sales and promotions that these places have from time to time, there are websites that have extra savings waiting for you! Many of the couponing websites have daily or weekly emails you can subscribe to that have links of the best deals on the web. From coupons to restaurants, to online offers at places like Shutterfly, there is always something waiting for you to save on. Two great emails with valueable resourses are the ones from www.couponmom.com and www.coupondivas.com. Check them out! There are variety of websites out there that can help you save on the web. www.slickdeals.net has any item you can imagine for some great prices; www.nomorerack.com has everything from clothing to jewelry to home furnishings, all at insane prices; and www.shopathome.com has coupon codes you can use for online shopping to save just like you had a coupon in store. One of the best ways to get emails full of savings is to sign up with your favorite store's website. You will not only be notified with the lastest sale, but you will get exclusive coupon savings. Even some places, like Target, have weekly texts with coupions you can use on a variety of items, as well as coupons you can print from their website. Finally, using your reward points from those credits cards can help cut down on costs as well. Since most awards you get get with your points take tens of thousands of points, why not redeem your points for a giftcard instead? They usually start out at 2,000 points and cane help you cut the cost of that new sweater or Saturday night date night. Paying full price on purchases is not a necessity. No matter that your favorite store is, or how you like to shop, with all the options out there to save, what are you waiting for?!

Categories: Money Saving Tips  

Posted by Julianne Krutka on 10/31/2013

Housing prices are low, rates are low but how can you buy a house when your funds are also low?  How can you save money for a house while prices and rates are still good? Saving for a home can be different than just saving because you have save such a large amount of money and you don't know exactly how much you'll need.  Here are some strategies on how to save up: 1. Start with small goals. Try saving for closing costs or another smaller amount and then add another goal. Break the down payment into 3%, 5%, 10%, and 20% levels, to help make the savings goal more achievable. 2. Try saving a specific amount of money every month. Instead of saying I want to save $6,000 a year it is easier to say I will save $500 a month. Smaller, more achievable milestones are always good motivators to savings. 3. Ask for help. If people ask what to give you a gift for your wedding, birthday etc. ask them to contribute to your home savings plan. Online sites like SmartyPig make it easy to get other people involved in your savings goals. 4. Create a visual goal graphic. Create a vision board or some kind of graphic that represents what you are saving for. It always helps to see what you are saving for and have a constant reminder. Hopefully, you'll be on your way to a new home in no time.

Posted by Julianne Krutka on 1/17/2013

The cost of heating can really take a toll on us over the colder fall and winter months. Having a programmable thermostat can help in cutting heating costs and still staying warm. But just having one isn't enough - you need to know how to use it to its full potential! Programmable thermostats have the ability to be programmed so that you can have multiple temperature settings through out the day. The benefit of this, is not having to think about turning down the heat before you leave for work, or cranking it up when you get home. Instead, you get heating at the exact temperature you want, when you want. So what temperatures should you set it to exactly? While you are home and awake, setting it to 68 degrees is a pretty standard temperature. While you are away from home, or sleeping, reducing it to 58 degrees should be tolerable. Of course, reducing the temperature even more than that while you are out of the house is possible, just don't make it too low and freeze your water pipes. Reducing your thermometer by 10-15 degrees for 8 hours (like while you are at work) you can save 5-15% off your heating bill. So the benefits can really pay off for reducing your heat while you are at work. For example: if you pay $200 a month in heating, reducing the heat by 15 degrees during the day will save $10-$30 a month which can add up to $60-$180 for the year if you use the heat for 6 months. Finding ways to cut costs is important to everyone during tough economic times. Every penny counts. So add this money saving tip to your list and you could start racking up the savings.