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Your Moving Checklist: Don’t Let These Details Slip Through the Cracks

Organize your move early.

Few people can escape heightened stress when it comes time to move. Despite it being a common occurrence — about 11 percent of the U.S. population moved to a new home in 2016, according to the U.S. Census Bureau — moving is undoubtedly an exhausting process. You not only have to pack up everything you own and relocate it, but you also have to clear out your former home and set up house in a new one. It’s easy to find yourself getting into arguments, losing items or running behind a deadline to be out of one place and into another. Here are 10 things you can do to prepare for your move.

Research professionals and prices.

The key to a stress-free move is organization, so you should start thinking about the process as soon as you know you’ll be relocating. Begin by researching moving companies, and take inventory of everything you’ll be moving with you. Then, reach out to a few companies to inquire about cost, availability and materials to move your home. “It’s not unheard of for people to be making inquiries for six months ahead of time,” says Scott Michael, president and CEO of the American Moving & Storage Association. “You don’t need to lock down a contract that early, but it doesn’t hurt to start doing some research.”

Book a moving company.

Once you know your moving day, whether you’ll need movers to pack up your belongings, how much you’ll be taking with you and what your budget is, book a moving company or reserve a truck if you’re moving yourself. You still want to book with as much advance notice as possible, with a minimum of a month’s notice in summer and two- to three-weeks’ notice during the rest of the year, says Angela Gonzalez, operations and quality manager for Unpakt, an online marketplace that connects consumers with vetted moving companies.

Buy packing materials.

Boxes, tape and trash bags are a given when it comes to moving, so much so that they can easily be overlooked. Purchase or find moving materials early so you can begin packing the things you don’t need right away. You can order materials online, inquire with a local retailer or search Craigslist for used boxes. You can even ask your mover if it will include the cost of providing packing materials in the moving cost.

Downsize and start packing early.

The last thing you want is to find yourself paying more to move things you don’t want or need. Before you break out the moving boxes, sort through your belongings and determine what goes with you, and what goes away. Those rarely used items you decide to keep should be packed early so you can get a good estimate of how much will be loaded into a moving truck. “The stuff that’s been sitting in your closet for the last five or six months — donate it if you can, or pack it if you really need to keep it,” Gonzalez says.

Donate what you don’t need.

Whether it’s a couple bags of clothes the kids don’t wear anymore or a fully stocked pantry of canned goods, minimize the amount of things you take with you — and what you take to the landfill. “A lot of people that are moving have food items in their pantry that maybe they don’t really need anymore,” Michael says, noting moving companies often have contact information for local food banks and may even deliver the donation for you.

Transfer your utilities.

The last thing you want is to arrive at your new home and realize you forgot to turn on the water, heat or electricity — or you didn’t turn them off at your old place. Be sure to call in advance and set the start date for your utilities at least a day prior to your move day to ensure everything is on when you arrive. Gonzalez stresses that any utility installation such as cable or internet shouldn’t happen on moving day.

Change your mailing address.

The U.S. Postal Service makes it easy to change your mailing address online — just go to moversguide.usps.com. You can set up the change of address as far in advance as you’d like so mail will begin forwarding to your new home the day of your move. You should also notify your bank, doctor’s office, employer and friends and family of your new address, but you have extra time to do so once you’ve established the change with the post office.

Get a permit or reserve space for a moving truck.

If your moving truck will occupy space on a city street with street parking, you’ll likely need to apply for a permit or request “no parking” signs to reserve space on your move day. In Chicago, for example, each ward offers free “no parking” signs for people moving, which must be posted 48 hours in advance. If your moving truck is 16 feet or longer, the Chicago Department of Transportation requires you to apply for a permit. Similar policies exist in other cities for permitting and obtaining signs to clear space. A moving company will often handle the permitting process for its own vehicles, but you should clarify that responsibility when scheduling the move.

Take out the trash.

Never leave garbage in the home you’re vacating, and if you rented the place, the cost to clean or remove trash will be deducted from your security deposit. To save yourself some cash, pick up garbage in every room as you move items out. Once the home is empty, go back through with cleaning spray and a vacuum or broom. Checking each room will help you catch any small items you may have missed.

Schedule with room for delays.

There may be a snow storm, a foreign dignitary in town or a car accident that puts the highway at a standstill. Expect the unexpected, and give your itinerary some cushion for such events. Gonzalez says one of the most common mistakes people make is scheduling too much on a moving day. “Give some ample time,” she says. “When you’ve scheduled a move at 8 a.m., don’t schedule a flight for 1 p.m.”

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Your Moving Checklist: Don’t Let These Details Slip Through the Cracks originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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