Visit the Shaks

  • Shak In Style
  • Shakhammer
  • Love Shak, Baby
  • LoanShak
  • ShakYard
  • WorkShak
  • Shaktronics
  • Shak & Jill
  • Animal Shak
  • Shak & Jill


    Join Jill for savvy Real Estate discussion.
    visit the shak!

    Did you know?


  • From 2001 to 2005, the average homeowner saw the value of his or her house jump by more than 50 percent.
  • read all shaktoids!
    July 10, 2015
    Friday Fun Video: Luxury Appliances
    http://www.dailymotion.com/videox2wugt4

    I guess if you’re super rich, dropping 3k on a coffee machine is no big deal. I think the fan is seriously cool though!


    Add to: del.icio.us  Digg  Face Book  stumbleupon  technorati
    July 9, 2015
    How To Save Money On Flights This Summer

    In a few days, I will be going up to Michigan for the first time with my boyfriend (his home state) to meet some of his family and friends. I couldn’t be more excited to finally meet the people that are closest to him, as well as see a part of the world I’ve never been to before. Since it’s about an 11 hour drive, we will most definitely be flying. However, flying can be expensive. It’s taken a pretty big chunk out of my summer budget. It’s worth it, but planning when flying is absolutely necessary. Check out this post by Briana Carter at Totally Travel Tips for ways to save money on airfare:

    -Be flexible about travel dates- moving the date by a day or two could have you tons.

    -Check other nearby airports, especially smaller ones.

    -Book directly through the airline’s website, instead of with a travel agent or travel site.

    -Book tickets as far in advance as possible

    Photo Credit: bytekut 


    Add to: del.icio.us  Digg  Face Book  stumbleupon  technorati
    July 6, 2015
    Make Your Paycheck Last Longer

    For a lot of us, our paycheck is spent before we even get it. While budgeting is a great idea, it can often make it seem like your paycheck belongs to everyone but you- mortgage, utilities, groceries- etc. That’s why it can be really tempting to splurge when you can. We all have our vices. For me, it’s books I;ll never read; for my sister, it’s clothes she’ll never wear. If you or someone you know has a spending problem, be sure to read this article by Laurie at the Passionate Penny Pincher. Here’s her simple trip to curb spending:

    Ask yourself:

    In one year, will I be glad I purchased this?

    In one year, will I be glad I spent these few dollars at the Dollar Tree?

    In one year, will it matter that I splurged on more expensive meat at the grocery when another cut was on sale? Don’t sacrifice what you really want for what you want right now.

    Photo Credit: imgflip 


    Add to: del.icio.us  Digg  Face Book  stumbleupon  technorati
    July 2, 2015
    The Ultimate Birthday Freebies List

    Last week was my best friend’s birthday, and before her party (going out to Nashville), we spent the day snapping up as many birthday freebies as possible. We scored free icecream from Baskin Robbins, makeup from Sephora, frozen yogurt from Pinkberry, pizza from Sbarro, and of course, free flan from our favorite local Mexican restaurant + a very loud and embarrassing birthday song for her. It was a great day. Be sure to take advantage of freebies on your birthday! Check out this post by Kyle Taylor at The Penny Hoarder for a list of 100+ places to score free birthday swag:

    -Free milkshakes from Arby’s

    -BD’s Mongolian Grill- free entree

    -Chili’s- free chips and guacamole

    -Dairy Queen- free blizzards

    Photo Credit: Robin Robokow 


    Add to: del.icio.us  Digg  Face Book  stumbleupon  technorati
    June 29, 2015
    Is Renting The New American Dream?

    More and more Gen-xr’s and Millennials are favoring renting over buying, according to this article by Ellen Chang at Yahoo Homes. Why? It could be due to the difficulty of saving for a down payment, and the reality of living paycheck to paycheck for most of these young renters. While renting is more costly in the long term (and many cities having rents that cost more than the average mortgage), it’s the saving that’s a struggle. Check out the full article for more info:

    Fewer Americans are drawn to owning a home and more plan to keep renting as wages remain stagnant and home prices have risen. A recent Gallup poll found that many people are content to be renters with 41% of non-homeowners who said they do not plan to purchase a home in “the foreseeable future.” 

    Photo Credit: Charleston’s The Digitel 


    Add to: del.icio.us  Digg  Face Book  stumbleupon  technorati
    June 23, 2015
    Pay Off Your Mortgage In Twice The Time

    The advantage of a thirty year mortgage over a fifteen year mortgage- you have lower payments each month. But fifteen year mortgages cost less in total. If you want to reduce the overall cost of your mortgage (by eliminating all the interest that comes with them), the best solution is to pay it off sooner. Plus, who doesn’t want to be completely debt free? Can you imagine not paying for housing each month? That’s a lot of extra cash. Check out this post by Bob Ashworth for tips on paying it off faster:

    -Every month when you review your mortgage loan statement from your lender, find the amount of the payment that is slated to go towards your principle

    -Now while your payment will remain the same for the life of the loan, the amount that goes towards principle and interest will change as your principle balance is reduced.

    -Add that amount to your payment. You’ve just made 2 months of payments. Do this same thing every month, and your 30 year or 360 month mortgage just became 15 years, or 180 months.

    Photo Credit: Mark Moz 


    Add to: del.icio.us  Digg  Face Book  stumbleupon  technorati
    June 22, 2015
    Ways To Pay Off Debt That You Won’t Even Notice

    I love finding sneaky ways to save more money. Drink water at restaurants instead of soda. Sell old things you don’t need anymore. Or, like I wrote about last week, find ways to extend the shelf life of household items. This post by Sarah Titus has lots of awesome tips and tricks to save money, and to pay off your mortgage early. Check out some of her advice:

    -Round up payment amounts. If your payment is $788, round it up to $800.

    -Keep “paying” a bill. If you pay off your car, put that extra $250 a month towards your mortgage.

    -Refinance your home for a lower time period to pay off.

    -Take seasonal jobs and put the entire amount towards your mortgage.

    Photo Credit: Tax Credits 


    Add to: del.icio.us  Digg  Face Book  stumbleupon  technorati
    June 18, 2015
    Tricks to Prolong Shelf Life of Common Items

    One of my favorite ways to save money (and help the environment) is by reusing old items and giving them new life. I use plastic grocery bags to bring my lunch to work, or to line the inside of waste baskets. I try to sell old books, movies, and cds to used book stores, and I’m always looking up tips on repurposing common household items and how to stretch your dollars even further. That’s why I love this post by Peggy Wang at Buzzfeed- it’s basically a master list of tips and tricks on how to make things last longer. Side note- you should never use expired makeup, medications, or food- it can pose serious health risks and is not worth the few bucks you save!

    -Place candles in the freezer before use to make them burn longer

    -Cut your sponges in half

    -Mix hand soap with water and put in a foam dispenser

    -Break bananas apart instead of keeping them in the bunch

    -Swipe vinegar on your nails before applying polish- it will make the manicure last weeks longer.

    -Air dry your laundry whenever possible.

    Photo Credit: keepon 


    Add to: del.icio.us  Digg  Face Book  stumbleupon  technorati
    June 15, 2015
    First Mortgage No-Nos

    If you think you are ready to buy your first home, the first step is to get all of your finances in order. The next step after that is getting pre-approved for a mortgage (hence, the first step). In order to get a mortgage at all, you have to make yourself an appealing borrower. You have to make sure your lender knows that you can stay employed, pay your debts, and pay your bills on time. For a list of rookie mistakes that will cost you big when applying for a mortgage, check out this post at Bustle:

    -Not putting down enough of a down payment

    -You didn’t do the math- make sure you really know how much of a home you can afford!

    -You didn’t check your credit. Possibly worse: you have no credit at all.

    -You have way too much debt

    Photo Credit: Rennett Stowe 


    Add to: del.icio.us  Digg  Face Book  stumbleupon  technorati
    June 11, 2015
    What Type Of Lender Is Right For You?

    Everyone knows it’s extremely important to get pre-approved for a mortgage before you begin looking at houses. But how do you start? Where do you begin to shop around? Well, there are basically two answers to that question: banks, and mortgage brokers. So, which is better? Which one is better at looking out for you, and which one will provide you with better rates? Check out this infographic by Scott Dawson for some surprising data:

    -92% of people say that brokers have equal, better or much better rates than banks. They are also much better at helping clients understand the mortgage options available to them.

    That being said, consider mortgage brokers are you are shopping around for your loan.

    Photo Credit: GotCredit 


    Add to: del.icio.us  Digg  Face Book  stumbleupon  technorati
    Top