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5 Things you NEED to Deep Clean after the Holidays!

by Nancy Heim-berg

The holidays bring so much joy and fun to our homes and families, but when they are finished, the clean-up begins. And let’s be honest, this clean up isn’t the ordinary ‘after a weekday meal’ clean up. It’s time to do some heavy-duty cleaning to get your home ready and running efficiently to take on the new year. Let’s look at the 5 most important areas to focus on for the ‘deep clean’ after the holidays.

  1. Dishwasher- If your home is anything like ours your dishwasher has probably been running non-stop. Especially if you’ve hosted overnight guests as well. Think of all the food residue from your holiday dishes that your dishwasher has scrubbed through?! Remember, all that gunk can build up on the inside walls, racks, and bottom of the dishwasher itself as well. However, there’s good news! It’s easy to clean and get rid of that and have your dishwasher looking and running like it's brand new again. You’ll want to start by handwashing all removable filters.  Then put together 1 scoop of dishwasher-approved cleaning solution into the bottom of an empty dishwasher and run on your dishwasher’s hottest setting. Voilà - that’s it!  When finished it’ll be good as new and ready to tackle anything you toss in it.
  2. Refrigerator- First and foremost, start by tossing out all the old & expired foods and any bottles or containers that are empty or nearly there. Then set aside all remaining items in your refrigerator so that you can clean inside.  Start with a cleaning solution and hot water.  Wipe down all shelves and bins. Remove any pieces possible to scrub thoroughly. Once everything has been scrubbed inside, organize and replace foods and condiments back in. Place a baking soda deodorizer inside to eliminate any future odors. Not done yet. If you haven’t already done so, pull out the refrigerator and vacuum off the vents in the back. They tend to get very dusty and gunky which makes it more difficult for your refrigerator to run efficiently.
  3. Oven- Not my favorite, but has to be done, especially if you’ve had spills cooking or baking those delicious treats for the season. Whether you choose to use an oven cleaner or opt for a natural solution, make sure you have a pair of rubber gloves handy. Remove racks before starting. If you’re interested in a natural solution, here’s some to try:  Oven Cleaner- ½ C Baking Soda, 3 Tablespoons water. Mix in a small bowl then use scrub brush and sponge. For Degreasing your Oven try 1 C White Vinegar, baking soda, and water. First put water in the spray bottle and spray your oven. Sprinkle baking soda onto the wet areas and let stand for about an hour. Empty the water from the spray bottle and put in the vinegar. Spritz the vinegar onto the baking soda and it will begin to bubble. Use a sponge to wipe away all residue.
  4. Stove Hood- This is one area that captures a lot of greases, so it needs a great cleaning after the holidays. Use your cleaning solution and hot water to submerge the filter for 20 minutes. Then scrub clean and replace back into the hood.
  5. Bathrooms- Whether you’ve just entertained for an evening or two or had overnight guests for days at a time, your bathrooms are in desperate need of a deep clean and sanitizing. Again, mix your favorite cleaning solution with hot water, grab some clean towels and wipe down counters, drawers, handles, toilet surfaces, and tub & shower. Once finished, spray on a sanitizing solution and let dry. Next using a sanitizing cleaner, scrub toilets until they sparkle.

This is a great start to getting your home back in shape. In blogs to come, we’ll address the organizing and deep cleaning of the rest of your home so you’re operating at an optimum level for 2023!

Have your home needs changed in the past year? Perhaps you’ve outgrown your present home, or need to downsize to a more suitable home. If you’re ready to make a move, let’s connect and talk about all the amazing opportunities that are available to you!

What is a Principal Only Mortgage Payment?

by Nancy Heim-berg

Today more than ever we are all looking for ways to save money and one of our largest expenditures is our mortgage. While monthly budgets can get tight, utilizing a little extra money to pay down our largest expenditures can pay off BIG in the end. Here we’re going to look at ‘principal only’ mortgage payments and the effect they can have on your finances.

When you purchase a home and secure a mortgage through a lender, you are paying several components of that mortgage.

  1. The principal- the amount of the loan needed to purchase the home.
  2. Interest on that loan- a monthly interest payment calculated on the interest rate accessed to the loan.
  3. If you put down less than 20% you are also paying PMI (private mortgage insurance)
  4. Property taxes
  5. You may also have your Homeowners Insurance tied into the loan as well and pay a monthly premium for that.

These 5 components make up your monthly mortgage payment. However, the principal component of the mortgage represents the amount of equity you accrue each month and essentially ‘buy-back’ from your mortgage lender.

If you currently have a 30-year mortgage, and never make any additional payments, it will take you 30 years to pay off the mortgage in full and pay the full amount of interest associated with the mortgage. For example, a $350,000 loan with a 5% interest rate would be $17,500 a year paid in interest alone!!!

By making a principal-only payment, in addition to your monthly mortgage payment, you are paying down the principal amount of your mortgage faster. If you were to pay a $100 principal-only payment today at the 5% interest rate, you’ll save $332 over 30 years. Now imagine doing that every month, or more if you can. It will put equity in your pocket much quicker, pay off the principal and loan faster and save you thousands of dollars in interest over the course of your loan.

Please don’t confuse making additional mortgage payments with a principal-only payment, as they are very different. If you choose to start making principal-only payments- in addition to your regular monthly mortgage loan payment, we suggest you call your lender and have them walk you through the process, so it is done correctly, and the monies are applied appropriately. Remember, a principal-only payment NEVER takes the place of your regular monthly loan payment. That must always be made monthly and on time. This would be an additional payment to help pay down the principal amount of your loan. Any questions regarding your loan should ALWAYS be directed to your lender.

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Are you looking for a home in the Omaha area right now? Our team is ready to be our local experience knowledge and expertise to work for you!  If you’re ready to begin the exciting home-buying journey, reach out!  The Heim-Berg Team- 402-677-9024

 

 

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Heim-Berg Team
Berkshire Hathaway
331 Village Pointe Plaza
Omaha NE 68118
(402) 677-9024
(402) 679-7108 | (402) 830-6123
Fax: 402-493-4805

Stacey OHara CMG financial 515-306-2360

 

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