Cheryl Deschenes' Blog
53 Donald Tennant Circle, North Attleboro, MA 02760
Is your workspace feeling a little blah lately? The new year is just the right time to make a change! Make it part of your New Year's resolution to create a cheery, bright, and welcoming workspace by upcycling your old, dingy file cabinet into this blackboard-sided, pretty yet utilitarian piece of office furniture!
- A filing cabinet or cabinets
You probably have a filing cabinet sitting in your office or garage already and if not, you can easily source one from a thrift store or used office supply warehouse. If you do buy your file cabinet(s) used, be sure to check them carefully for rust and make sure you can easily open and close each drawer before making your purchase.
- Spraypaint and spray sealant
Choose a cheery color several shades more intense than your wall or carpet color.
- Blackboard paint
Blackboard paint is the best thing since sliced bread. It may seem like an expensive buy, but you won't use it all on this project unless you're working with multiple filing cabinets, and you'll find yourself wanting to use it all over your house: it's addictive!
- Tools to remove your hardware
You will need a screwdriver to remove the drawer handles and locks from your file cabinet.
You'll need fine-grained sandpaper for this project. An electric sander would come in very handy!
- Primer and/or Sealant
You'll need to use a basic primer to ensure that your paint stays put!
- Garbage bags and painter's tape
If you don't have a dropcloth, several large black garbage bags taped together with masking tape do just fine!
- Spongy applicators for blackboard paint (or a small roller)
- First, remove all your hardware: the drawer handles, locks, and so on.
- Sand your filing cabinet. Your goal isn't necessarily to remove the paint, but to create a rasp to which your primer can adhere, and to remove any peeling paint or flakes of rust.
- Remove the drawers and lay them out on your dropcloth. Next, use a spray primer to create a tacky surface to which your paint can adhere. Make sure you spray everywhere you'll paint, including your fittings if you plan to paint these. Some blackboard paint doesn't require a primer; read the instructions on your paint to find out.
Note: Spray the back of the cabinet as well as the front; you never know which way it will face in the future!
- Wait the prescribed amount of time for the primer to dry.
- Next, paint the left, right, and back of the cabinet and the space between the drawers with blackboard paint using your roller. Continue applying coats until the look satisfies.
- Using painter's tape, wrap a garbage bag 'cape' just beneath the top of the cabinet so only the top is exposed. Then, spray the top of the cabinet with your spraypaint. Then do the same with the drawers.
Note: Slower is better: do several light coats instead of trying to apply a great deal of spraypaint at once. Check out this great article for ultimate spraypainting tips!
- You may choose to apply spraypaint to the hardware, keep it plain, or paint it with blackboard paint as well. If you choose to spraypaint your hardware, be sure you've primed it thoroughly, first.
- Keeping the 'cape' in place, spray a sealant over your spraypaint. Do not spray the sealant over your blackboard paint.
- Once the cabinet is completely dry, re-attach your hardware and place the drawers back inside the cabinet.
Now you have a beautiful, bright, blackboard-sided filing cabinet! The blackboard paint along the edges of each drawer allows you to label the contents with chalk markers and easily erase them if you rearrange your filing system. You can put to-do lists or draw your calendar on the sides.
Some Additional Ideas for this Project:
- Do the entire filing cabinet in blackboard paint!
- Apply stick-on decals before applying a sealant over your paint.
- Mod Podge over textured paper, wallpaper, contact paper, old maps or newsprint to the front of your drawers rather than spraypainting them. Apply a sealant as usual when you're done.
- Use painter's tape to create amazing patterns on your drawers or on the top of your cabinet.
- Edge the top and bottom of the drawers -- or the top of the cabinet -- with washi tape. Use Mod Podge and sealant to ensure it doesn't peel up over time.
53 Donald Tennant Circle, North Attleboro, MA 02760
It’s always a goal in life to be happier in our jobs and make more money. When it comes to buying a home, your job status can have a big effect on whether or not you’ll be able to buy a home or not. You will be able to buy a home using a new source of income. Even refinancing can be a breeze when you have a new job and the right knowledge.
Many people believe that changing jobs or having gaps in between employment is a certain type of black hole when it comes to getting a mortgage. However, if you approach all of the changes in the correct way, you should be able to land the mortgage deal and secure a home.
One of the most important numbers that your lender will calculate when you’re buying a home is that of your average income. This will be based on the pay that you had earned in the past 24 months‘ time. If you have had the same job and pay, this won’t be much of a big deal, However, if any of these things have changed (or will soon change) your lender may have some questions. This doesn’t mean that your mortgage application will be struck down completely.
Information That’s Needed In The Event Of A Job Change
If you have recently changed jobs in the process of trying to refinance or buy a new home, your lender will need a few pieces of information from you. These items include:
- An offer letter for the job
- A role or title change letter (if applicable)
- Compensation package change confirmation
- Verification of employment
- Most recent pay stub
If you’re an hourly employee, unfortunately, you’re under the tightest type of scrutiny when it comes to applying for a mortgage. Your income will be averaged for as long as you have been an hourly employee. If you work full-time, this won’t be too much of a problem. If your hours fluctuate from week-to-week, this can make things a bit more complicated.
If your hourly rates have recently gone up, you’ll need a bit of info from your employer to help you get the income verification that your lender needs. These items include:
- An offer letter
- Recent pay stubs
- The new compensation structure or offer
If you have any sort of extenuating circumstances like a relocation or a new position, this information can help to bridge the gap in any information that just doesn’t add up as far as your employment history goes.
If you’re a salaried employee, things are a bit simpler. Your lender will have a much easier time calculating your average income. The only issue that you may encounter is if you have had a gap in employment. For this, your lender will require a written explanation of what occurred during that time period.
Lenders want to protect themselves, but in a way, they also want to protect you from getting in over your head with how much you can afford for a home. With some proof and a little explanation, you should be able to get a house you can afford if you have all of the information that you need to back up your financial history and employment history.
Believe it or not, home sellers may encounter many expenses after they list their residences. These costs include:
1. Home Cleaning and Maintenance Costs
Before you start showing your residence to prospective buyers, it often is beneficial to clean your house. As such, you may need to purchase assorted cleaning supplies. Or, you can always hire a professional home cleaning company to help you enhance your house's overall appearance.
Don't forget about home maintenance expenses too. Remember, you'll want to do everything possible to improve your house's curb appeal to ensure your residence stands out to potential buyers. And if you budget for the costs associated with fixing damaged home siding or performing lawn care tasks, you may be better equipped than ever before to find cost-effective ways to bolster your home's curb appeal.
2. Home Repair Costs
After you accept a buyer's offer to purchase your home, the buyer likely will request a property inspection. And if an inspection reveals myriad home repairs are necessary, you may be required to spend money to complete these repairs. Otherwise, you could put your home sale in jeopardy.
Oftentimes, it is helpful to conduct a property inspection before you list your residence. This will enable you to assess your home with a professional inspector and identify any problems. Then, you can perform home repairs prior to listing your residence and reduce the risk of possible home selling delays down the line.
3. Moving Costs
Once you sell your home, you will need to relocate your belongings from your current address to a new location. Thus, you should consider the costs associated with moving boxes and packing supplies and budget accordingly.
Furthermore, you may want to hire a professional moving company to help you transport your belongings from Point A to Point B. If you review the prices of local moving companies, you can find an affordable option that matches your budget.
There are many costs that you may encounter as you proceed along the home selling journey. But if you work with a real estate agent, you can receive comprehensive property selling support. And as a result, you may be able to cut down on potential costs throughout the home selling cycle.
A real estate agent is committed to doing everything possible to help a seller achieve the best-possible results. Therefore, a real estate agent will learn about your home selling goals and create a personalized property selling strategy for you.
Plus, a real estate agent is happy to respond to any home selling concerns or questions. This housing market professional will go the extra mile to guarantee you can enjoy a seamless property selling experience. With assistance from a real estate agent, you can handle any potential problems that may arise during the house selling journey.
For home sellers, it usually is a good idea to budget for potential property selling expenses. If you put together a budget, you could boost the likelihood of enjoying a fast, profitable property selling experience.