When you’re facing a move, it seems like there’s a never-ending list of to-do list tasks.
From remembering to get boxes to booking a moving truck to making sure your internet is hooked up in time for you to resume remote work, your head is spinning with all of the stressful details — and for each one that falls by the wayside, you could get stuck with unexpected expenses to bail yourself out of a logistical headache.
Want to avoid making surprising financial mistakes next time you’re caught up in the middle of a move? Here’s how to plan ahead to make smart homeowner moves and avoid financial blunders.
If you’re over 50, take advantage of massive discounts and financial resources
Over 50? Join AARP today — because if you’re not a member you could be missing out on huge perks. When you start your membership today, you can get discounts on things like travel, meal deliveries, eyeglasses, prescriptions that aren’t covered by insurance and more.
How to become a member today:
- Go here, select your free gift, and click “Join Today”
- Create your account (important!) by answering a few simple questions
- Start enjoying your discounts and perks!
Important: Start your membership by creating an account here and filling in all of the information (Do not skip this step!) Doing so will allow you to take up 25% off your AARP membership, making it just $12 per year with auto-renewal.
Redirect your mail
From missing important bills to losing packages, forgetting to forward your mail can have expensive implications. Luckily, it’s easy to avoid, even if you fail to update your Amazon address right away.
Go to the USPS website and forward your mail in minutes. You can choose the time period to forward mail and even pay to have your mail forwarded for longer than the standard 12 months.
Update your address with financial institutions
Whether you’re expecting financial statements in the mail or rely on receiving your insurance documents via hard copy, it’s critical to make sure any financial institution that you interact with knows where to reach you.
Set aside an hour to review each of your online accounts and update your address to ensure they are secure and up to date.
Look for free boxes
Buying boxes can add up quickly. If you plan ahead, you can post a call for free boxes in local Buy Nothing Facebook groups. People are often happy to see the boxes they used go to someone who can use them.
Additionally, liquor stores are often an excellent source for smaller, sturdier boxes to transport things like books.
Resolve $10,000 or more of your debt
Credit card debt is suffocating. It constantly weighs on your mind and controls every choice you make. You can end up emotionally and even physically drained from it. And even though you make regular payments, it feels like you can never make any progress because of the interest.
National Debt Relief could help you resolve your credit card debt with an affordable plan that works for you. Just tell them your situation, then find out your debt relief options.1 <p>Clients who are able to stay with the program and get all their debt settled realize approximate savings of 46% before fees, or 25% including our fees, over 12 to 48 months. All claims are based on enrolled debts. Not all debts are eligible for enrollment. Not all clients complete our program for various reasons, including their ability to save sufficient funds. Estimates based on prior results, which will vary based on specific circumstances. We do not guarantee that your debts will be lowered by a specific amount or percentage or that you will be debt-free within a specific period of time. We do not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Not available in all states. Please contact a tax professional to discuss tax consequences of settlement. Please consult with a bankruptcy attorney for more information on bankruptcy. Depending on your state, we may be available to recommend a local tax professional and/or bankruptcy attorney. Read and understand all program materials prior to enrollment, including potential adverse impact on credit rating.</p>
How to get National Debt Relief to help you resolve your debt: Sign up for a free debt assessment here. (Do not skip this step!) By signing up for a free assessment, National Debt Relief can assist you in settling your debt, but only if you schedule the assessment.
Cancel or transfer utilities
Forgetting to cancel or transfer utilities is one of the biggest potential financial and logistical headaches. You could incur surprise bills if you fail to cancel your utilities (though the new residents certainly won’t complain!). Schedule a shut-off or transfer date and ensure you won’t be without electricity, water, internet, or any other utilities at any time.
Check for refundable deposits
Did you pay a deposit when you moved into your home? If so, contact your utility providers to make sure you get back any money owed to you. Depending on how you pay for your utilities, you may also be eligible for a credit for unused services.
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Secure moving insurance
You may have moved without moving insurance in the past, but it’s a wise decision if you want to ensure you’re fully protected ahead of a move.
Typically, you’ll only pay around 2% of the cost of your items, but this will protect you in a situation where items are lost or damaged between point A and point B.
Clear out safe deposit boxes
If your safe deposit box is at a local bank and isn’t coming with you, clean it out before you leave. Retrieve any documents or valuables stored in a bank safe deposit box and move them personally to ensure they aren’t left behind.
Arrange for moving van parking
Depending on where you live, you may need to get special parking permits for a moving van or truck. Look into getting these permits ahead of time through the police department, county, or city so there’s not a parking ticket waiting to welcome you to your new home.
Write down any meter readings
Even if you correctly transfer utilities, you can still face questionable charges after you’ve moved. To make sure you only pay what you owe, write down your readings before moving.
Earn cash back on everyday purchases with this rare account
Want to earn cash back on your everyday purchases without using a credit card? With the Discover®️ Cashback Debit Checking account (member FDIC), you can earn 1% cash back on up to $3,000 in debit card purchases each month!2 <p>See website for details.</p>
With no credit check to apply and no monthly fees to worry about, you can earn nearly passive income on purchases you’re making anyway — up to an extra $360 a year!
This rare checking account has other great perks too, like access to your paycheck up to 2 days early with Early Pay, no minimum deposit or monthly balance requirements, over 60K fee-free ATMs, and the ability to add cash to your account at Walmart stores nationwide.
Don’t leave money on the table — it only takes minutes to apply and it won’t impact your credit score.
Pack a go bag
Unexpected situations can happen, and you might need to live out of a bag for a night or two before your items arrive at your new home.
Pack a go bag with all must-have items and basics so you don’t have to go to a big box store for last-minute toiletries and clothing to get you through the next few days.
Update your pet’s address
Pets can get confused during a move and may try to make a great escape. If you haven’t updated your address on their collar or microchip, the search could be fruitless, even if someone turns them in. Make sure to update the address before your move.
Check any local businesses for left items
Have you recently dropped items off at the tailor? Do you have shoes at the cobbler? What about items in a storage unit? Check any local businesses for items that may be difficult to retrieve after you’ve moved across town or the country.
Have a plan for your plants
Plants aren’t always cheap, and you don’t want to spend the money on an entirely new plant collection just because yours died in transit.
Make a plan to keep your plants alive between your old place and your new place, whether carefully transporting them in your own car or passing them off to a local friend for a few days.
Transfer memberships
Remember to transfer any memberships well ahead of your move, whether it's a local gym or coworking space. If your gym requires a 30-day cancellation policy, notify them a month before you move so you don’t pay for an old location and a new one simultaneously.
Check the attic
The attic and the basement are the most common places to leave items behind. Check these spaces before you pack up the final load to avoid leaving something invaluable behind.
Schedule a cleaning
If you’re a renter, schedule a home cleaning before you move. If you don’t plan it yourself, your landlord may charge you a deep cleaning fee, and, chances are, it will be more expensive than the one you would have booked.
Bottom line
Moving is expensive — there’s no way around that.
But planning ahead can prevent you from blowing your moving budget just because you realize you didn’t have a place to park your moving truck or ran out of boxes. Make a list of must-do items and a corresponding timeline to ensure you’re prepared on the big day (and avoid wasting money).
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