Is there really a secret to saving money? It may seem as though it is mystery how your bank account ends up empty every month but there is no mystery to it. While it may be no secret there are three important tips you can follow to help you put more money in your pocket. The challenge is to follow the tips in order to be successful at saving money. The rest is up to you.
1. Create a Budget
You need to know where your money is going. Once you have established where you spend your money you will be able to find places to make cuts. The first thing to do is figure out how much is being spent on housing, utilities, groceries, debt, and entertainment. Once you know where the money is going you will be able to set limits for problem areas. This is the money that you will apply to secret #2.
2. Pay Yourself First
This is a huge secret, pay yourself first. Yes, before you dole out money for bills as soon as your paycheck hits your account; deposit a specified amount into savings. It doesn’t matter how small the amount is, at least you are saving.
Even better , create an automatic savings plan that will automatically deposit money into your savings account before you even have a chance to spend it. This can be done right through your employer’s direct deposit or with a recurring transfer with your bank.
3. Spend Less Than You Earn
If you don’t learn to obey this rule you will never be able to save money. You simply have to spend less money than you earn and there’s no way around that. If you are spending more than you earn you are borrowing money and thus putting yourself into debt.
This is a Colonial style home and features 9 total rooms, 2 full baths, 1 half bath, 4 bedrooms, 0.46 Acres, and is currently available for $519,900.
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This property features 14 total rooms, 2 full baths, 1 half bath, 8 bedrooms, 0.15 Acres, and is currently available for $367,000.
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This is a Colonial style home and features 6 total rooms, 2 full baths, 1 half bath, 3 bedrooms, 0.14 Acres, and is currently available for $324,999.
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This property features 2 total rooms, 1 full bath, and is currently available for $675.
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This is a Colonial/Contemporary style home and features 10 total rooms, 2 full baths, 1 half bath, 3 bedrooms, 0.19 Acres, and is currently available for $449,000.
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In this market, short sales can sometimes be a good deal for a buyer but they also come with some potential pitfalls. A short sale is when a seller needs to sell their home for less than they owe on their mortgage. In order to get a bargain and not a headache you will need to do your homework. Here are some tips for protecting yourself before buying a short sale.
1. Use experts
It is important that before you buy a short sale you assemble a team of experts. During the initial phase you will need help identifying which homes are being offered as short sales. The nature of short sales are different, you will also need help determining a purchase price and what to include in your offer.
A real estate attorney who is knowledgeable in short sales is also key. Navigating the process of a short sale can be tricky so you will need an experienced short sale attorney to help deal with the potential of multiple liens, mechanic’s and condominium liens, or homeowners association liens. Often homes that are in short sale have these issues and without help will be harder to purchase.
2. Prepare emotionally
If you want a good deal on a short sale you will probably have to be in it for the long haul. It is important to stay patient, and remain unemotional during what can sometimes be a lengthy and emotionally difficult process. You may even want to consider a title search upfront. This could weed out properties with multiple liens if you are under a time crunch.
3. Know the market
In order to successfully purchase a short sale you need to know the marketplace. When a lender agrees to a short sale, they are agreeing to losing money on the loan they made to purchase the home. A short sale can be a good deal but it usually not a steal. The lender also knows the fair market value of the home and wants to minimize their losses. If your offer is too low, you chance it being rejected. During the process we will determine a price range that works with your budget and is hopefully one that the lender will accept.
4. Know the Process
The short sale process is different than that of a standard sale. The agreement to sell the home for less than is owed is actually made between the seller and the lender, not the seller and the buyer. The seller must first gain approval from the lender before the sale can be finalized.
First, you would make an offer on a home and the sellers must consent to your offer to purchase. Then the sellers must submit the offer to their lender. The seller also sends along documentation to the bank as to why they need to sell the home for less than is owed. The seller should also have an attorney to help them with this process.
Lenders typically do not move quickly on this process. It can often take weeks or months to get an answer. This is why is often best to put a competitive offer first. If several lien holders are involved; each can make a counteroffer or just reject your offer.
5. Firm up your financing
Lenders don’t just look at the amount you are willing to pay for the home; they will also weigh your ability to close the transaction. If have a strong offer lenders will look more closely at your offer. You will want to make sure you are pre-approved for a mortgage for any consideration. Other factors that could influence the decision in a positive way are: having a large down payment, ability to close at any time, and flexibility. They will often not consider your offer if you have a contingency.
White distilled vinegar is effective for killing most mold, bacteria and germs due to it’s high level of acidity. Vinegar is a weak form of acetic acid that is made from the fermentation of sugars and starches. White vinegar has so many different uses in the home; it is considered the “miracle cleaner”. It is pocketbook friendly, all natural, safe for pets and nontoxic. Why would you use anything else?
It is a good idea to purchase two empty spray bottles, keep one full with pure white vinegar and the other with half water and half vinegar. This just makes it easier to dispense and have on hand at all times. A person can work wonders cleaning their home naturally just armed with vinegar and water.
There are so many different uses for white vinegar in your home. Here are just a few ideas.
Vinegar mixed with water is an excellent cleaner for all kitchen surfaces like counter tops, refrigerators and stove tops. To shine chrome fixtures simply make a paste of 2 tablespoons salt and 1 teaspoon white vinegar. To clean wooden cutting boards simply just wipe with vinegar. Clean refrigerator shelves with a solution of ½ white vinegar and water.
Did you know that soaking fruit and vegetables in 1 part vinegar to 3 parts water can remove up to 98% bacteria? Soak fruit and vegetables for at least 10 minutes then rinse to get best results.
Vinegar is also useful in the laundry. To decrease lint in laundry add ½ cup straight white vinegar to rinse cycle. To make your bright’s brighter add ½ cup vinegar to the rinse cycle.
If you have pets white vinegar is a good solution to have in house. If your dog has the mishap of getting sprayed by a skunk, use dilution of vinegar and water, rub dog’s fur then rinse with warm water. Repeat a couple times. To keep dogs from scratching their ears rub them with a cloth diluted with vinegar and water.
Vinegar is so versatile in the home. You do not have to worry about the vinegar smell remaining after you use it because the smell dissipates after it dries. So, for people who believe in living green and healthy, white vinegar is a must have in the pantry closet.
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Starts: 04/01/2012 12:00PM
Ends: 04/01/2012 2:00PM
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Wonderful location for this Lg 4 brm 2.5 bth Georgian Colonial w/2 car att gar! Hrdwd flrs throughout both levels, large e-i kit w/newer wall oven, cook top & refrigerator, formal din rm & liv rm, front to back fireplaced family room, 1st flr laundry & half bth, master brm w/full bth and his & her closets, 3 additional lg brms, C/A on 2nd flr, full basement w/office, lg family rm, fireplace & lg cedar closet. 2 sheds & lg patio. Great location, minutes to Mass Pike, schools & walk to shops!!
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