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Yep, Cancelled Citi Online

March 1st, 2012 at 10:38 am

I sent an email from the Citi website to customer service today requesting my account be closed. I indicated that I opened it only for the rewards and have received those. I also indicated I did not need the credit.

I received an email back within an hour indicating the account had been closed. So happy there was no hassle. Easy. Easy!

We earned a $12.42 in interest for the month. That money just gets added to our emergency fund right now. We actually just topped $20K for the first time in awhile. I'm not sure how much of that we can hold on to with the move coming up, but I'll do my best.

I'm doing things around the house to get ready for sale. Today, I oiled a few squeaky hinges on doors and cleaned the bathroom vents. I've also got a call in to arrange a furnace and air conditioning check.

I'm actually beginning to consider a For Sale By Owner. I found a site in our area that charges about $500 to list the house on MLS and other real estates sites like Google, Yahoo and Zillow. They will take wide angle photos and a virtual tour video. And there is a sign mailed to us for our yard, as well as a QR code attached to the listing. There is no minimum listing period.

It is very tempting to consider since I don't think our house will sell for above what we bought it for. It might even sell for $10K less. And it will cost us about $10K to list with a realtor. We will leave the transaction with cash. It would just be nice to leave with more than we started with!!

We have a very nice clean home. Some updates, nothing glaringly outdated for a 1998 home, in my opinion. There is room for improvement if someone wanted to put in laminate, or paint all the trim white. Basement is unfinished.

Hmmm...maybe I'll take some photos of the house how it is and see if you think it is FSBO material. I'll get back to you on that.

Oh, and I would pay a buyer's agent a commission if they were interested in our house. I think that would be worth it.

Let me know you first thoughts. I'm off to do more cleaning. Are you spring cleaning yet?

4 Responses to “Yep, Cancelled Citi Online”

  1. retire@50 Says:

    I think it doesn't hurt to see if you can do it yourself before bringing a real estate agent. Even if you go with the agent there's no guarantee it would sell fast, so I would try to sell it on your own and see what happens. After a month or two you can see what kind of responses you get and re-think if needed.

  2. Beawealthywarrior Says:

    Check out www.militarybyowner.com as well. You can list your house whether it's FSBO or with a realtor. I've used it a couple times for my rental property. Also check to see if you get DLA(Dislocation Allowance) for your move. I'm not sure if you get it if you're moving in the same state or not. I believe it's based on wether your're getting household goods picked up or not but definitely double check.

  3. MonkeyMama Says:

    Yup, that's why I didn't mind all the credit card deals we did last year - the whole thing was easy peasy.

    I personally would not do FSBO but I have always found a realtor to be worth more than their commission. I always say the things I will never be *cheap* with are lawyers and realtors. But that's just me. I will tell you that FSBO is better than having a crappy realtor - that is for sure. Wink

  4. Bob B. Says:

    My first thought is to list it with a realtor. Of course, we've had a realtor for the better part of 4 years, with no results, so who am I to talk?

    But, if you're going to be living far away, a realtor will be able to let lookers in, and market the house locally. Just my thought.

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