Cats have taken over in some apartment communities. This is no accident. As independent, and somewhat aloof creatures, cats basically take care of themselves, given enough food and water. People who like to travel find this autonomy of cats convenient. Left alone too much, however, cats tend to become rambunctious. Many have found even cats […]
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Just because your home is pint-sized doesn’t mean you have to live with pint-sized home decor. Try these apartment decorating ideas on for size, and you’ll find your small apartment has never looked bigger. Click Here To Learn More …read more The post Decorating Tips for Furnishing Small Apartments appeared first on Apartments In Indianapolis.
Bright colors and graphic patterns are hallmarks of Washington, D.C., interior designer Sally Steponkus, whose bold-yet-classic look is well within your reach. Click Here To Learn More …read more The post 10 Tips for Apartment Decorating appeared first on Apartments In Indianapolis.
Sloped ceilings–like the kind you find in attic spaces–have a ton of character and make cozy rooms like bedrooms and family rooms feel a whole lot more intimate. So why do we not love them?Well, here are some designs that make sloped ceilings seem …read more The post Make the Most with a Sloped Ceiling […]
When it comes to moving into a small apartment that barely holds all of your belongings, it can be difficult to find ways to decorate the space and make it feel like home. With a cramped bathroom or a minimal amount of storage, it …read more The post Infusing Personality Into Your Apartment appeared first […]
Apartment hunting can be stressful, and living in an apartment isn’t always a picnic either. From noisy neighbors to horrible landlords and tight spaces, things can get dicey. But with the right tricks up your sleeve, living in an apartment can be awesome. Here …read more The post Top 10 Tricks for Better Apartment Living […]
You’ve probably heard: student debt is over $1.3 trillion. And, according to a report by CNBC, it’s “growing faster than the average salaries for recent graduates.”
For a borrower aged 20-30, the average monthly student loan payment is $351. That’s quite a bit, especially when the median income for millennials remains relatively low. As reported by BusinessInsider.com, “In 2013, the median annual earnings for millennial women working full-time, year-round were $30,000,” states the report, “compared with $35,000 for their male counterparts.” A $351 payment can seem steep, since it accounts for about 12% of income for males and 14% of income for women.
Coupled with other expenses, from car loans to credit card debt, from housing costs to food, student loans are a heavy burden for many millennials trying to scrape by.
So, if you’re a millennial with a lot of debt, listen up. The following are things to consider before you buy a house. Like many others, you might find renting the better path.
Houses are sought for their stability. Even as markets change, a locked-in mortgage rate won’t. But the stability of a mortgage requires stability in life. Before you house-hunt, begin at step one. Think seriously about how stable your job is, your relationships, and career path. Are you expecting a promotion, or a change of scenery? Do you see yourself in the same job or relationship in five years? If not, a house probably isn’t your best bet.
Especially if you don’t plan to stay in a house long term, you should consider the payoff of picking up and relocating that an apartment provides. The assumption of many homeowners is they’ll be able to sell whenever they want. That, tops, it’ll take maybe a few months to close a deal. But as many learned during the housing crisis of ’08, when interest rates skyrocket, the equity of your house diminishes. The stability of a mortgage is a double-edged sword. There’s nothing to protect your home from future devaluation by the market. This isn’t a decision you should rush into.
Unexpected losses aren’t just restricted to market change. Other costs to home owning can also set you back significantly. The best thing to do is create a hypothetical budget. As HousingWire.com suggests, “Aim to keep total rent or mortgage payments plus utilities to less than 25% to 30% of your gross monthly income.”
To place the costs of owning in further perspective, imagine that, after you budget, you have $500 every pay period left over. One day you notice your refrigerator isn’t working. You have to buy a new one. You get the new refrigerator and it turns out that the issue is with the electrical wiring going to the refrigerator. You have to pay an electrician to come out, and it turns out your entire kitchen was poorly wired and needs updated. If you don’t have deep savings or a friend who happens to be an electrician, your bills can become, very quickly, too large for a budget with little room for error.
When it comes to renting, however, apartment complexes take care of all major maintenance issues, and many minor issues as well. And, though rent prices might be higher than mortgage prices in some areas, apartment complexes provide amenities that you’d usually have to pay for if you own a house: pools, weight rooms, clubhouses, etc.
If you’ve acquired large amounts of student or credit card debt, it might be a wiser choice to rent an apartment for a few years while you climb out of debt, and stash away some money in savings in the meantime. That way, if you get a house, you’ll be ready for unexpected issues and they won’t break your budget.
Now the holidays are over, and the New Year’s resolutions are kicking in, it’s time to think about sustainability. Whether you are resolved to eat healthier this year, exercise, or even learn a new instrument, you’ll have to think long and hard about how you’ll accomplish your by-the-end-of-the-year goals. The good thing is you’re not alone. Gaining traction on your New Year’s resolution is a matter of forming a new habit. So it’s important to understand how habits work.
Habits are like Cycles
In an interview with NPR, Charles Duhigg discusses his book The Power of Habit: Why We Do What We Do In Life And Business. Everything we’ve made into a routine, from exercising to cooking, from brushing teeth to cleaning laundry, begins with the same “psychological pattern.” This is called a “habit loop.” It’s really simple, actually: every habit begins with a cue, proceeds by routine, and ends with a reward. That’s it!
Let’s look a little closer. A habit begins with “a cue, or trigger, that tells your brain to go into automatic mode and let a behavior unfold.” Then the routine occurs, which is the behavior itself, or the habit. Lastly, the reward is “something that your brain likes that helps it remember the ‘habit loop’ in the future.”
The interesting thing is habits are formed in the part of the brain that has a major influence on “emotions, memories and pattern recognition.” It’s called the basal ganglia. Why is this interesting? Because it’s a separate from the region of the brain responsible for decision making – the prefrontal cortex. And, as a result, when automation kicks in, when habit loops initiate, the prefrontal cortex goes into hibernation.
This is readily available knowledge, at least by quick reference to experience. Think about how difficult the very basics of reading and math once were. We learned by rote memory, by memorizing the alphabet and times tables, and this period of learning required intense concentration. But after a while these things became second nature. It’s because, like any other habit, our focus, determination, and persistence eventually formed habit loops.
Lessons from in the Loop
Because all habits begin with a cue and end with a reward, it’s important, especially if you have big plans for your health this year – to exercise three or four times a week, to cut out sugar from your diet, etc. – to figure out some sort of consistent pattern to follow when you eat, go to the gym, or whatever you may do.
Maybe before a trip to the gym you listen to music you really like as you prepare, and afterwards you treat yourself to some yogurt. When some people crave a sweet snack, they cut up some apples and eat those as substitutes instead.
With new habits, especially healthy habits, old habits are broken. And this means the power of the reward system established by the old habit loop becomes more and more powerless. As you exercise more, your desire to lay around all day will weaken. And as you stay away from sugar, your cravings will diminish.
For more information on habits and the science behind them, you might also be interested in Scientific American’s podcast episode where Dr. Art Markman discusses things like “How to know you have a habit,” “How to work in league with your psychology to from new habits,” and “How we are more likely to succeed when we view failure as part of the process.”
But, most importantly, remember that habits are like cycles: as you reinforce them, they eventually become as automatic and predictable as the sunrise in the morning. Don’t be discouraged by failure. Every mistake is an opportunity to learn, an opportunity to change, and an opportunity to become better at what you are trying to do.
The post How to Break Old Habits and Adopt a Healthy Lifestyle appeared first on Apartments For Us.
It’s time to put those summer clothes away for the season. Here are some tips to help prepare your clothes for storage.
You probably don’t want to pack away clothes with bad odors. But don’t forget your clothes might be stained too. And those stains will become permanent if you let them sit for half a year. Just be sure, wash all the clothes you plan to put in storage.
Everyone has boxes of some sort lying around. You’ll be tempted to use them. But purchase some plastic containers to store your clothes in. These containers secure your clothes from insects and rodents. And if you have clothes from the drycleaner, don’t just leave them in the drycleaner plastic. They could get water damaged.
If you use a storage facility, like Infinite Self Storage, you can purchase wardrobe boxes to hang up your clothes while they’re in storage. Then you won’t have to worry about creases or folds.
You might think you can just throw everything together. And that’s fine, if you are just going to get everything out once spring arrives. But if you have a more variegated clothing selection, you’ll want to label your items by season or, even, activity. Then you can keep your harvest season clothes in storage while it’s planting season.
Sure, it’s reasonable to think plastic bins will protect your clothes from temperature changes. But they won’t. In fact, they could compound the effects condensation has on your clothes. If you have an expensive wardrobe, invest in a temperature controlled storage unit to protect your clothes from condensation.
If you have any more questions about storing clothes, we encourage you to contact one of our professional storage team members. At Infinite Self Storage, we have solutions to all your storage problems.
If this is the first year you’ve lived in your apartment, you don’t yet know how winter conditions might change your electricity bills or room temperature levels. Maybe things won’t change at all. Here are some tips in case they do.
The very first thing you’ll want to do is seal your windows. Even if they are new, it can only help. Purchase some plastic to put over the glass, buy insulating curtains, and get a door sweep. Even if your windows are old, the plastic and curtains together will reduce winter’s effects on your apartment significantly.
But don’t become a hermit. When the sun is out, make sure your curtains are open. It’s not only good for your skin to get some sunlight, but it’s a free source of heat.
You’ll want to replace your vent filter as well. Ever wonder why spring cleaning is a huge deal? Why it has it’s own name? Why winter cleaning isn’t a thing? It’s because your home gets dirtiest during the winter months. This is due to a lot of factors. But the main reason is because people keep their windows closed when it’s cold outside. This traps in dirt, dust, and everything else in your home, for months.
Beginning the winter with a clean filter is a good idea. Not only will it filter out dirty air coming into your apartment, it’ll increase air flow from your vent.
Lastly, rugs are great insulators. Get large rugs. Not only will it help liven up your living space, it’ll trap in some heat, especially if you have hardwood floors. It’ll be nice to not have to walk on cold floors during the coldest months of the year.
If you’ve done everything here and still are cold, don’t hesitate to purchase a small space heater. It’s not a bad investment, because it’s usually cheaper to run a space heater than it is to hike up the thermostat and keep the furnace running.
The Oaks At St. John
210 Nettles Lane
Ponte Vedra, FL 32081
Monday: 10:00 AM – 5:30 PM
Tuesday: 10:00 AM – 5:30 PM
Wednesday: 12:00 PM – 5:30 PM
Thursday: 10:00 AM – 5:30 PM
Friday: 10:00 AM – 5:30 PM
1st Saturday: 10:00 AM – 2:00 PM