T. Jay Johnson Jr. - RE/MAX Property Promotions



Posted by T. Jay Johnson Jr. on 10/6/2017

Depending on where you live, groceries can be one of the top expenses in your household. Frugal shoppers have found many ways to save at the grocery store over the years, from coupons to price matching. However one of the best ways to save money on groceries and household items is to bulk buy. When you buy items in bulk you give up a small amount of storage space at home, but you gain savings in return. Plus buying in bulk means you're using up less packaging in the long run, helping the environment out as well. Here are the items you should buy in bulk and the items you should avoid.

Food

Whether you have a BJ's or Sam's Club membership or if you seek out good deals online or at your local grocery store, there are a number of food items you can buy in bulk to save money.
  • Cereal. Buying oversized boxes of cereal, especially knock-offs of name brands can save you more than 50% on prices.
  • Rice and beans. Buying food staples in bulk are a great way to save at the grocery store. Rice and beans can be used in any number of dishes for tastes from around the world. They offer meals high in fiber and protein and rich in nutrients.
  • Oatmeal. Large boxes of dried oatmeal will allow you to save money and make your own creations. Add dried or frozen fruit, nuts, cinnamon, or yogurt to your morning oatmeal to keep things interesting.
  • Frozen vegetables. Not only are frozen vegetables cheaper and more convenient, but they often contain more vitamins and nutrients than fresh vegetables because they are frozen immediately after being harvested.

Other home goods

Hand soap. Rather than buying new containers of hand soap every time you run out, wasting money and plastic, buy one large bottle of your favorite soap and refill the bottles in your kitchen and bathrooms. Trash bags. Trash bags bought in bulk don't take up much more room than smaller boxes and you'll get much more for your dollar. Toilet paper. Buying toilet paper in bulk will save you a lot of money. Try storing the huge pack in the basement rather than the bathroom closet, keeping just one or two extra rolls in the bathroom to save space. Toothpaste and toothbrushes. Toothpaste is a well known bulk-buy, but toothbrushes bought in packs of 2 or more are also a great way to save. Set a reminder in your phone to change toothbrushes at least once every three months.

Things not to buy in bulk

Condiments. The temptation is there to buy a huge bottle of honey mustard and save a few cents. But unless you eat it every day, odds are your condiments will expire before you use them and take up a ton of room in your refrigerator. Plastic tupperware. Rather than buying cheap plastic tupperware at the grocery store every few months, buy one good glass set that will last years. Fresh fruit. It's tempting to buy that huge bag of clementines, but you'll be kicking yourself when they start to rot and hardly any have been eaten. You're better off stopping at the store and buying small amounts of fresh fruits when you want them rather than assuming you'll eat them.  





Posted by T. Jay Johnson Jr. on 9/30/2016

Kitchens sell houses. So having a great looking kitchen is important if you are thinking of putting your home on the market or maybe you just need a fresh new look. Cabinets are one of the biggest expenses in a kitchen remodel but with a little elbow grease and creativity, you can update your kitchen cabinets without going through the hassle of an entire remodel. Here are some tips on how to make your kitchen look like new with a cabinet facelift. Give the wood a Good Cleaning You will be surprised what a good scrubbing can do. Heat, water, grease and food residue all take a serious toll on your cabinets.

  • If you choose to remove the doors, label or number them so you'll put them back in the right place.
  • Make sure to test any kind of cleaner before using it on the entire cabinet. Cleaners with large amounts of alcohol may cause the wood to dry and crack.
  • Clean and Update the Hardware Hardware gets greasy and grimy so make sure to clean those too.
  • Soak the hardware in a soapy-water solution for 30 minutes.
  • Scrub lightly with a soft brush and rinse.
  • Let dry and apply the proper polish.
  • You may decide instead to replace the hardware. In choosing the finish for your hardware, think about what style will look best in your home. Add Some Detail Add some detail to drab cabinets with moulding. Applying a contrasting finish or color is a quick and inexpensive way to change the look of your cabinets. Stripping and Refinishing If after cleaning your cabinets still need some help, you may decide to refinish or paint them
  • Make sure to remove all the cabinet doors and number them.
  • Liquid strippers work best, but be sure to use the gel or semi-paste types.
  • Place doors on a vertical surface. The finish won't drip as much.
  • Let the stripping agent do the work and start with an inconspicuous area.
  • Patch any conspicuous holes, scratches and nicks with wood filler. When dry, sand lightly to smooth out the patch. Before painting, sand lightly and prime.
  • Before painting remember that the wood expands and contracts with the seasons, which will cause the paint bead to separate and expose unpainted wood. So with a little hard work you can have a whole new look to your kitchen in no time.




  • Categories: Uncategorized  


    Posted by T. Jay Johnson Jr. on 8/12/2016

    Money experts recommend having an emergency fund, however, that is easier said than done. You will want to have at least three to six months of living expenses in your emergency fund. Here are some tips on how to get there: Determine how much you need                                                                                               Calculate how much you spend each month. Add up your rent/mortgage, car payments, insurance, food and utilities. This will give you an idea of how much you will need to save. Start small If you find it hard to save, start by saving small amounts. Even if you only saved $20 per week for one year, you would increase your savings account by $1040.00 Have achievable goals                                                                                                                     Start with a small goal and gradually work towards a larger one. Set your initial goal of one month's savings and build upon that. If you start small and make savings a habit it will be easier to save. Make it automatic                                                                                                                           Set up automatic contributions to your savings account. Move a specified amount of money to your savings account through direct deposit. If you do this you may not even miss the money. Watch where your money goes                                                                                                 Keep track of how much money you spend. Calculate your spending average and try to spend less. Another great way to save is to find areas where you can cut back. What are some of your best tips for saving money?  




    Categories: Uncategorized  


    Posted by T. Jay Johnson Jr. on 7/1/2016

    Choosing between satelllite television or a local provider in today's world is a lot more complicated than it was a decade ago. Cable TV has made a concentrated effort in the last decade to offer the channel variety of a satellite television service, while satellite television has tried to offer the same kind of bundle deals to their customers that make cable subscriptions so appealing to people who like the idea of an all-inclusive bill for their at-home entertainment. While both services can be very rewarding in terms of quality of service and variety, your family's entertainment needs will have to be ultimately considered if you want to make the best decision possible. In this guide, I will attempt to highlight the best features of each service, how they stack up to each other in terms of quality, and illuminate the potential drawbacks for each. Cable TV Cable television offers you an easy opportunity to condense all of your digital services into one package (Phone, tv, and internet.) While some satellite television companies offer similar packages, they usually have to hire a third-party company in order to be able to do so. And with cable television moving into the digital realm a little more every year, they are now finally providing picture quality that you could only previously get with satellite television. Additionally, you never have to worry about bad weather affecting your reception like you would if you were to chose a dish network. Also, many cable companies now offer DVR as part of their digital packages, which allows you to pause, record, and rewind any program you'd like, a service only previously available to satellite customers. If your family's home entertainment needs center around fast, high-quality internet service, and your television requirements can be satisfied without needing hundreds of channels, a cable television package will definitely suit your needs. Satellite TV While it may sound like Cable TV is the more appealing option at this point, you must consider a few things; namely, Satellite TV absolutely trumps cable in terms of the sheer variety of programs and content. Dish TV boasts a roster of 250+ channels, and the number is always growing. That includes over 80 PPV channels, whereas cable can only manage about 40. In addition, satellite television offers you a slew of international programming that a cable service simply cannot compete with. Dish TV also consistently outperforms Cable in terms of customer service ratings. But while Dish TV currently has the edge in terms of variety, your access to local programming is pretty limited. And, as mentioned previously, reception can be an issue during inclement weather. Your property will also need to have an unobstructed view of the sky in order to receive optimal reception, which can be a problem for some homeowners. As far as pricing is concerned, your television needs may be the determining factor. If having television in every room is a must for you, then opting for a cable package may suit your needs better. Satellite companies tend to offer per room fees, which can be expensive in the event that you would like the service to extend beyond one or two televisions. There is also the equipment cost to consider. While opting for a satellite package may cost you more money up front, your monthy bill will more often than not be lower than a cable package, as maintainance costs tend to be lower. For additional information on cable television, please visit www.comcast.com or www.verizon.com/fios For additional information on satellite television, please visit www.directstartv.com or www.dish.com    




    Categories: Uncategorized  


    Posted by T. Jay Johnson Jr. on 5/27/2016

    Imagine if you could make your student loan disappear. According to American Student Assistance, a non-profit that aims to educate young people about money say it is possible. Both the federal and state government, as well as some non-profit organizations offer loan "forgiveness" programs. Do the right paperwork and you could be loan free. While there is no single comprehensive listing of loan forgiveness programs, there are programs for some specific professions. Here are a few of those: Law school graduates who become a district attorney or a public defender are eligible to apply for the John R. Justice student loan repayment program. This program pays up to $4,000 a year towards an eligible applicant's debt up to the maximum of $60,000 per graduate. The National Health Service Corps offers an even more generous program for health professionals. This program repays up to $60,000 in debt in just two years for students working in medicine, dentistry or mental health in underserved communities. Graduates who are willing to work part-time on medical research could eliminate up to $35,000 in debt per year with a program funded by The National Institutes of Health. If you are willing to trade a few years of service for loan forgiveness you are in luck. There are various federally funded loan repayment programs for fire fighters, teachers, nurses, librarians, speech pathologists and employees of non-profits.  The programs don't typically ask graduates to work for free but they might receive less pay in order to repay the loan. The value of the loan repayment is likely to more than compensate for the lost wages. Because there is no comprehensive list of forgiveness programs it pays to do your research. There are many organization's websites that can help students find the right fit.