How to Save Money Around Your Home

Soaring inflation, sky-rocketing gas prices and rising utility costs has led to stretched monthly budgets across the board, but there are still plenty of opportunities to save money at home. Whether it’s doing laundry the energy-efficient way, switching the direction of your ceiling fan based on the season or using coupons, we’ve got tips to help you ease the strain of inflation.

Don’t buy bottled water: Bottled water seems cheap, but it gets expensive fast. Settle for a water filter pitcher, and you can use tap water. It’s cheaper over time, and it’s better for the environment, too.

Make your own coffee: It seems obvious, but those daily cafe Americanos can easily take a chunk out of your bank account. Use a coffee maker or French press to get your caffeine fix instead.

Keep your freezer full: When you keep your freezer full, it works more efficiently, taking less energy to keep the contents cold.

Keep your dishwasher full, too: Running half-loads of dishes is a quick way to waste water and dish detergent.

Break out that Dutch oven: It could be a Dutch oven or a slow cooker of any kind, but cooking in bulk really helps cut down the costs associated with more individual-size meals.

Eat leftovers: This isn’t a tip so much as a choice. Keep your leftovers and don’t give yourself the excuse not to eat them. It’ll stretch your dollar way further.

Run full loads of laundry: Pack your washer to capacity, because you’re going to use the same water either way. May as well get as much use from it as you can.

Lower the temp on water heater: Check the temperature on your water heater. You generally don’t it to be above 120 degrees, and higher temps come with higher fees.

Change filters: It’s not just your water heater’s inefficiency costing you money; your HVAC system can burn a hole in your wallet if you haven’t changed its filter recently, so learn when to swap in a new filter.

Pay bills online: There are few things I hate more than late fees on bills. Setting up autopay on your electricity and water bills will help avoid those unnecessary fees, and they’ll also remove the need for postage on paper bills.

Unsubscribe from services: While you’re thinking about bills, check on your subscriptions. If you haven’t used a certain streaming service or that fitness app in a month or more, cancel it. You can always restart it in a few minutes if you change your mind.

Switch fan direction: Most ceiling fans have a small switch on them that changes the direction they spin. In the summer, run the fan counter-clockwise so it blows air down on you. This can help avoid the need for more air conditioning.

Use energy-efficient bulbs: LED bulbs cost more to buy, but in the long term, they cut down on electricity costs. As bulbs burn out in your house, make the switch.

Some of these tips may seem obvious, but when expenses keep going up, even little savings can help.

For more tips on how to save money around your home go to this link:

North Lake Canal Home

1714 SE 164 Circle Ocklawaha, FL 32179

Wow! What an awesome .73 acre location with approx. 150′ of canal waterfront leading to private and beautiful North Lake, nestled on the edge of the Ocala National Forests. North Lake is 185 acres and the perfect size for fishing, kayaking or skiing, with a club house, boat ramp, fishing dock and more for a yearly fee(voluntary) of $100. This home was originally built in 1974 and includes 3 bedrooms, 2.5 baths and one car garage with 1815 living square feet. Upon arriving you will see the circular drive, concrete stucco entrance wall and Spanish style design with arched columns and red roof. This home features spacious family room with decorative fireplace, built in bookshelves and open floor plan to kitchen. Kitchen is galley style with newer kitchen appliances, lots of counter top space and cabinets and filtered water system under the sink. There is a formal dining room off the kitchen with large window providing lots of natural light, 1/2 bath, custom built in cabinets and large pantry. Sunken living room is just off family room and sliders provide great views of the covered back porch and yard. Main bedroom is cozy in size with slider leading to back covered porch and bathroom has tub/shower combo and walk-in closet. Guest bedrooms are nicely sized and family and/or guest will love the fully renovated bathroom. There is a 1 car garage and utility/laundry room located detached from the home but under the same roof with breezeway in between. Home has all new windows that come with transferrable lifetime warranty, new light fixtures throughout, new well pump and pressure tank. Outside is one of the most unique and beautiful places to entertain or just relax under the shade and stars at night. Lots of privacy and room in back yard with sitting area just out the back slider includes string lights for awesome ambiance and water fountain for the soothing sounds. There is also an outdoor camp fire set up along the waters edge, the entire back yard is fenced. and includes boat slip. Seller is open to furnishings being included and washer/dryer are included as well.   

Located just a short drive from downtown Ocala, Ocklawaha gets it name for the Ocklawaha river which flows for 74 miles total. The unincorporated town of Ocklawaha is located about ⅓ of length of the river from the South. Ocklawaha is a rural area with a few stores, Winn Dixie(newly remodeled),Dollar General, Dominoes + few other restaurants and lots of trees with few people. Located close to Lake Weir with lots of great boating, fishing, swimming and playing at Carney Island Beach & Recreation area and who does not love eating and drinking waterside at Eaton’s Beach Bar & Grill. Visit the local Dam Diner and check out the active lock and dam. Take the kids to Uncle Donalds Farm and then go play a round of golf at Del Webb Spruce Creek Golf Course. Only short drive to Ocala National Forest which includes Juniper Springs(15 min), lots of lakes to fish and ski, ATV trails and more. This is great country lifestyle and close to tons of fun things to do.

Asking Price $299,000

Call, Text or Email Today to Set up Your Private Showing!





May Newsletter

It is officially May and the start to a new month!

In the May issue of our newsletter you will find events this month, featured listings, market predictions for 2022, and how to follow us on social media.

Click the attachment to check it out!

Please don’t hesitate to reach out with any of your real estate needs.

May Newsletter

2216 SE Ashley Court Ocala, FL 34471

2216 SE Ashley Court Ocala, FL 34471

Stunning features in this previous builder’s pool home. This lovely home is located in the Laurel Run gated subdivision with beautiful flowing creeks and soaring majestic trees throughout this in-town SE Ocala location. The home was originally built in 1989 and includes 3 bedrooms, 2.5 bathrooms, 2846 living square feet and oversized 3 car garage with 1036 square feet. The cul-de-sac home sits on .40 acres and provides tons of privacy with mature landscaping and fencing. The entrance to the home has a waterfall and water feature including your own Koi pond. Upon entering the home you will see beautiful double wood doors, tiled foyer and soaring ceilings. There is a formal dining room to your left and den to the right which also leads to nicely sized office. The living room and most of the home has hard wood floors (some flooring need replaced in hallway and bedrooms 2 & 3). The living room has vaulted ceilings with 3 double french doors overlooking caged pool, built in hot tub and covered patio. The kitchen is spacious with loads of wood cabinets, tons of granite countertop space, walk-in pantry.  All appliances, including JennAir cooktop and double oven, are included. Just off the kitchen is an oversized laundry room with custom built cabinets and large storage closets.  The laundry room leads to a 1/2 bath with convenient access to the pool deck and outdoor shower. The outside covered patio wraps around kitchen and makes a great place to cook, open the windows and enjoy the pool and outdoor activities from inside the home. The main bedroom is very spacious with french doors leading to the pool area too. The main bathroom includes a huge walk-in shower, privacy toilet, double sinks w/ granite tops and a large walk-in closet. The guest bedrooms are spacious in size with high ceilings and jack and jill bathroom with tile floors and tub/shower. 

Outside the home has beautiful mature landscaping and stately oak trees to 0provide shade year round and lots of privacy. The caged pool area includes custom built in hot tub w/ waterfall, ornamental tree, lots of space for entertaining, natural gas grill hook up, and a seating bar/eating area that wraps around the inside kitchen. 

Home was recently appraised for $560,000 and does need some TLC. The seller is offering the home at $550,000 for the work that needs completed. Below are all of the updates completed by the seller.

New Roof: November 2021

New Windows / French Door for Master Bedroom: February 2022

New HVAC Main Home: October 2021

New HVAC Master Suite: February 2014

Kitchen and Master Bath Renovation: 2017

Pool Re-tile and Marsite: 2017

Pool Deck Pavers: 2017

New Interior Floors and Tile: 2014

Pool Screen: 2011


Is the Starter Home Gone for Good?

Thanks to tight inventory and competition from institutional investors, more first-time buyers set their sights on larger homes with lots of backyard space.

First-time homebuyers aren’t just competing with each other for smaller starter homes – they’re also competing against institutional investors seeking rental properties. In a few markets, starter homes are routinely selling for $100,000 over asking price.

The National Association of Realtors® (NAR) estimates that the average price for a starter home rose from $233,400 in 2019 to $307,400 by the end of 2021, which boosted the average monthly payment from $1,038 to $1,224.

In addition, NAR says a first-time buyer’s median age climbed from 32 years old in 1981 to 45 today, and this group’s median income increased from $80,000 a year in 2020 to $86,000-plus in 2021.

“We have to redefine what a starter home is,” says Terry Hendricks, a Realtor with RE/MAX DFW Associates in Dallas.

Agents generally define a starter home as being about 1,500 square feet with two or three bedrooms that’s sufficiently affordable for a buyer who lacks equity from selling their previous home, and preferably in move-in condition.

Olivia Mariani at proptech company Curbio explained that the move-in-condition factor is especially critical for millennial buyers, while elements like outdoor space or a slightly larger home are also becoming more desirable for first-timers due to the pandemic.

Some experts predict that buyers will migrate to cheaper markets free of factors like technology jobs and cold climates, a trend currently fueling high prices in destinations like Austin and Tampa.

Source: Inman (03/15/22) Verde, Ben

16370 NE 140 Terrace Fort McCoy, FL 32134

16370 NE 140 Terrace Fort McCoy, FL 32134

Don’t miss this super cute and ready to move in home on .46 acres. This 1985 manufactured home includes 2 bedrooms, 2 bathrooms and 945 square feet. The home includes cathedral ceiling, open floor plan and laminate flooring throughout the home. Kitchen has butcher block countertop, electric range, dishwasher with dining area. Main bedroom is cozy in size and main bath includes tub/shower combo. Exterior includes a 10’x29′ screen room overlooking above ground pool and spacious yard with 10×12 wood storage shed included. Vacant lot and trees provide privacy in back yard with 10’x19′ wood deck. 

Located minutes to downtown Fort McCoy with grocery store, doctor office, pharmacy, hardware, gas station, pizza delivery and more. Close to Silver Springs which is great for kayaking, boating and outdoor activities. Ocala is just another 20 minutes away with Walmart, Lowes, Bealls, Outback and many more of your favorite shopping and  restaurants. Gainesville(Home of Florida Gators) is only 50 minutes to downtown. If you’re a fisherman, hunter or simply love hiking, canoeing or kayaking you are in luck! Minutes to Ocklawaha River, Rodman Reservoir boat ramp, Ocala National Forest and many natural springs(Salt Springs, Silver Glen Springs, Juniper Springs), horseback and walking trails, and off road vehicle trails awaits your explorations. One of a kind property and location! Ready for new owners!



StoneWood Villas – 4541 NE 4 Street Ocala, FL

4541 NE 4 Street Ocala, FL

Hard to find StoneWood Villas home in NE Ocala. This lovely 2 bedroom, 2 bathroom home includes 1800 living square feet and 2 car garage located on .18 acre lot with beautiful large oak tree and mature landscaping.  Upon entering the tiled foyer, you will see laminate flooring throughout the entire home except the baths. Living room is spacious with a wood burning fireplace, recessed lighting and overlooks nicely sized Florida room(custom blinds $2k in 2021). Kitchen is stunning with lots wood cabinets, plenty of granite counter tops, eat in dining area and all appliance(refrigerator,  gas stove, dishwasher) are included. Dining area located adjacent to kitchen with large picture window. Main bedroom is 19′ x 13′ with huge 8×8′ walk in closets and large main bathroom with double sinks, skylights, and very large custom tiled shower and sunken tub. Guest bedroom is cozy in size with full length closet and its own bathroom including tiled shower/tub and floors. There is an inside laundry room with washer and dryer included which leads to the 2 car garage with built in cabinet and work bench. Exterior of the home includes awning covering windows, new vinyl fence in back yard, concrete pad with privacy for those morning to relax with cup of coffee or evenings having dinner and entertaining. 

Stonewood Villas is located minutes to Downtown Ocala with lots of opportunities for fine dining, shopping or just enjoy the fun downtown with live music and lots of entertainment. Close to many Ocala parks, The Fort King Fort, Silver Springs is nearby for cooling off on hot days or enjoy a lazy paddle on the river. Don’t miss this one, it will not last long!

Asking Price $280,000

April Newsletter

It is officially April and the start to a new month!

In the April issue of our newsletter you will find events this month, featured listings, market predictions for 2022, and how to follow us on social media.

Click the attachment to check it out!

Please don’t hesitate to reach out with any of your real estate needs.

April Newsletter

2341 NE 44 Street Ocala, FL 34470

2341 NE 44 Street Ocala, FL 34470

Ready for new owners! This lovely home sits on over sized .34 acre lot and includes 3 bedrooms, 2 bathrooms, 2 car garage with 1516 living square feet. Great NE Ocala location has freshly painted interior, guest bathroom has new toilet & the tub/shower has been refinished, new blinds in bedrooms, new outdoor fans in screened room lanai, outside of house and roof has all been professionally pressure washed, the trees have all been trimmed or pruned, new garage door opener. Not new but the kitchen has granite counters & stainless steel appliances that are about 8 years old. There is a newer metal roof as well. As you enter the home you see tiled floors throughout the home with large living room including wood burning fireplace. Galley kitchen is clean with lots of cabinets, granite counter tops and laundry area tucked away. There’s also a formal dining room just off the kitchen. Main bedroom is spacious in size with walk in closet and tiled shower. Guest bedrooms are cozy in size and included updated ceiling fans and blinds. Back of home includes 14×27′ screened room overlooking privacy fenced back yard and 12×24′ wood storage shed for yard equipment and toys. 


Interest Rates Impact

Federal law states that banks are required to keep a minimum amount of cash on hand. This is called the reserve requirement.

But bank balances aren’t constant, as customers deposit or withdraw their cash. As a result, banks sometimes need to borrow money from other banks, overnight, to meet their reserve requirement.

The federal funds rate is the interest rate that banks charge other banks for these overnight loans. The central bank of the United States, the Federal Reserve, aka the Fed, is responsible for setting the federal funds rate. When the Federal Reserve changes this rate, it impacts everything from employment to the production and price of goods and services.

That said, there are two questions at hand: How could interest rate changes affect the housing market in general, and how could it affect your ability to buy or sell your own home?

If mortgage interest rates rise and everything else stays the same — borrowers have the same income and same debt levels — the borrower won’t qualify for as expensive of a mortgage as they previously could. For example, if a borrower qualifies for a maximum monthly payment of $2,000 per month, and mortgage rates rise, then interest will gobble up a bigger chunk of that $2,000, leaving less space for principal.

This could put home buying out of reach for some, or put stagnant or downward pressure on home prices.

But an alternate scenario could also unfold.

If employment rises, or salaries and wages grow, or consumer debt falls, or lending criteria loosens, then borrowers may still qualify for similarly-sized or larger mortgages.

For example, if a potential homebuyer gets a $10,000 annual raise and their unemployed spouse finds part-time work, then their borrowing qualifications improve. If they use some of this additional income to pay off their consumer debt, then their borrowing qualifications improve even more.

Sure, interest rates may rise. But this uptick could be offset by other economic factors that improve borrowers’ positions.

The outcome isn’t as simple as assuming higher interest rates are bad for the housing market. A variety of factors, from wages to employment to lending requirements, influence the number of homebuyers in the market and the maximum price of homes for which they qualify. And this impacts everything from median sale prices to the average number of days-on-market.

Furthermore, real estate markets are inherently local. Working with a realtor who is local and knows exactly how to help you in your specific market is important. If you have any questions about anything real estate related, I would love to help you through it.