Ways to Save Money

In these hard times, money is hard to come by so you should know how to save it until things get better. Since it is a balancing act that is somewhat challenging, here are a few ways that can teach you how to save money. If you don’t want to lose your home like a lot of Americans have over the past year, you have to kill your debt first. You do that by calculating how much money you spend in a month and then see where the budgets can be made so there is money you can use to pay ...

Five Practical Ways to Save Money for Students

It can be hard to think of ways to save money especially for students since they don’t have their own money yet. This is because at times, for all the expenses while on campus, there is barely left to save. Although it is hard, it doesn’t mean that it is impossible for students to save money while studying. All they need is to develop good time management skills, strict budgeting, and practicality. If you are one of those who are thinking of ways to save money while on campus or even before you enter one, here are some of the ...

Six Simple Ways to Save Money

No matter where you look at it, there will be always ways to save money if the person has the will do so. If you are one of those who are trying to come up with ways to save money in this unstable economy, it is best to start with developing a simple lifestyle. When you are able to do this, the rest will follow. But, if you are one of those who are not sure where to start, here are some eight simple ways to save money. 1. Cut down on grocery or shopping sprees. Although buying groceries is a ...

Save Money Without Feeling Poor

Yes. You are feeling the economic crunch. Times are hard and you are finding it hard to even make both ends meet with the rising costs of basic necessities and the fact that you lost one of the part-time jobs that you are holding. This is the common scenario that people, not only in the US, is feeling. They may not have lost their jobs but they have certainly found it hard to earn extra. Can you blame them then if they look for ways to cut costs and save money? Although it looks like a pretty daunting task, it’s not ...

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70 Ways For Home Buyers To Save Money When Buying A Home: Tip #16

One common mistake many home buyers make is that they call the listing agent for information on a house they like.

The agent listing the house, (the person who put the sign in the yard) works for the sellers only. She does not work for you and you do not want her to work for you. She will blab everything you tell her to the sellers including how much you would pay for the house. In fact that is her job.

If you call a listing agent and tell her anything, she is required to tell the sellers. If she does not, and they find out, they can sue her and her company for a ton of money. If that happens she will probably lose and lose her job and license as well.

Get your own agent: A Buyers agent that will be faithful to you.

And it is a good idea to have an agent on your side that is from a different company than the listing agent. You want your agent to fight on your behalf, not be buddies with the listing agent.

The listing agent might even tell you that it makes no difference and that you do not need another agent. Do not believe it for a second. If you do not use your own agent, the listing agent gets to keep the entire commission paid by the sellers. If you use your own agent, the listing agent has to share the commission with your agent. And if you use your own real estate agent he might share the commission with you. The listing agent almost never shares the commission with the buyers.

You agent does not get paid until you buy a house. So get your own. It does not cost you anything. As the buyer, the seller will pay the real estate commission whether you have an agent representing you or not, so why not have the added back up and someone looking out for you? Especially since it will not cost you anything extra?

If you have your own agent, they will even coach you on what you should offer for the property. A listing agent will never tell you to offer less than the asking price, which is against her contract with the sellers.

You won agent will show you comps. These are homes in the area that are similar to the house you are looking at and at what prices they sold and are for sale for. Using the lower priced comps you can make a case to the sellers to lower their price. If you use the listing agent, she will never show you the lower priced comps. Only the higher priced ones that make her listing look like a bargain.

In many cases, the agent at the open house is the listing agent, so be careful what information you share at an open house. If it can, it will be used against you.

Tip #16 is our series on How To Save Money When Buying A House is to get your own real estate agent. Do not use the listing agent. This tip alone can save you thousands on the price of the home you pay.
About The Author

Mr Kamadia, is a mortgage consultant, and real estate broker in Houston Texas. For the 69 other free articles on saving money when you buy a house visit Abby's Houston Texas Real Estate website.