Purchasing A New Home

Buyers who are looking to make a purchase on newly constructed homes may feel like enlisting a Realtor is unnecessary. New home project sales people are a great resource to help anyone understand the project. However, your Realtor will be able to help you find the best deal whether it is a resale or newly constructed. The builder’s sales person represents the builder’s best interests not the buyer’s! Anyone new to the real estate realm can easily be overwhelmed with options and pricing. Your Realtor will be able to represent you and negotiate with any builder to develop your dream home at a reasonable price.

Let an experienced professional advise you where to look for your new home. They are able to help you find the house you envisioned, while keeping you in price range!

Article Source: https://michellechaserealtor.com/should-you-have-a-real-estate-agent-when-buying-a-home/

Hank has held a Florida real estate license on and off for many years, but became fully active after he retired in 2017. He is also an active partner in a non-profit company, Provident Housing Solutions, building rental properties to support working families throughout Central Florida.

Hank and his wife live in Apopka. He is the father of three adult children who reside in Central and South Florida and is the proud grandfather of two grandchildren.

To learn more about the Michelle Chase team visit our website at https://michellechaserealtor.com.

Location: Apopka, FL

Phone: (407) 268-6718

Website: michellechaserealtor.com

Michelle Chase is a local realtor and certified staging agent with Home Wise Realty that knows what buyers are looking for. Staging your home involves creating an inviting space that house hunters can envision themselves living in and can also help to facilitate a speedy sale for top dollar.

Be Money Wise

If you have just landed your first ‘serious’ paying job, then it can be extremely tempting to grab that first paycheck and go on a spending spree. When you have little or no debts, and generally less responsibilities in rent and bills, then a disposable income can be extremely tempting to use. Be aware that the more you spend, the less you save, and the less you have for the future. Tip here: delay gratification, and ask yourself twice if you really need that 3^rd pair of sneakers.

Retirement

Yep, it may be DECADES away, but starting to put savings away for your retirement now is one of the best things you can do for yourself, and future family. Every little bit counts. With interest benefits, the sooner you begin a fund, the better off you’ll be in the long run.

Taxes

Get educated on how taxes work, how to do a basic tax return, and file and organize your documents early on. Especially if you are in a job that requires relatively simple organizing when it comes to tax time. This allows you to get your foot in the door without the overwhelm when it gets to more complex career tax systems.

Get Clear On Spending Habits

Be budget savvy. There are great applications online and for smartphones to allow you to track and categorise your spending. This gives you great insight into how much you are really spending and saving.

Auto-Save

Just as auto-debit payments make our life a ton easier in not having to complete this action multiple times our banking system each month, so too, we can take advantage of automatic banking in the form of savings. Settle on a percent that feels right for you, and commit to keeping this up. One of the great benefits of this is that you won’t miss the money if you don’t see it. When it automatically goes to savings, it feels less like you are taking from money coming it. Setting this up can be simple with your bank.

Keep Accountable

There are many different finance-tracking systems, from phone apps to computer programs and other budgeting tools. Some can be more in depth and complex for those who enjoy detail, and others can offer a basic template to track your income and expenses. When you are tracking your spending, often you will find that you are less likely to be frivolous with purchases and spending that you know you don’t need, or haven’t budgeted for.

Choose Cash

When consuming in the modern world, the ease of ‘pay as you go’ payments and online shopping with cards and other online hosts can make overspending TOO EASY. When you allocate yourself with a certain amount of cash for spending a day, or week, then the visual aspect of seeing the cash lower as you spend makes it much easier to motivate yourself to save.

Many people wrongly assume that making biweekly mortgage payments requires paying twice as much. That‘s incorrect! In fact, the extra payment each month amounts to about 1/12th of your typical monthly payment: If your payment is $1,200, you’ll only add on about an additional $100 each month.

If you like the idea of saving cash and extinguishing debt quickly, let’s take a closer look at a biweekly payment plan and how using the AutoPayPlus biweekly mortgage calculator can show you the way to save a lot of time and money on your home loan.

How AutoPayPlus Biweekly Payments Operate

With the AutoPayPlus biweekly mortgage program, you’re debited one-half of your typical monthly mortgage payment every two weeks. Since there are 52 weeks each year, that means 26 half-payments will be withdrawn out of your account, adding up to one extra payment toward the principal per year. This shortens the life span of the loan and decreases the total amount of interest paid over time. Use those extra debt-free years to more fully enjoy life or create a financial safety net for the future.

With AutoPayPlus you can schedule automatic biweekly payment withdrawals, and learn how to add in extra installments that can help you pay off your loan even faster and save much more money.

Using the AutoPayPlus Biweekly Mortgage Calculator

It’s straightforward and simple — go to the AutoPayPlus mortgage savings calculator and follow the easy instructions. Let’s use an example of a $250,000 30-year mortgage at 4.25% interest.

Enter 250000.00 for the full loan amount, 30 years for the term (or put in the number of months until your loan matures) and 4.25 for the interest. Make sure you enter the exact date that your loan begins, or the date it started if it’s an existing loan. Then hit the calculate button to see your final results: You’ll be able to pay off the loan 52 months early and save more than $31,000!

The calculator will show you new biweekly payments, your debt-freedom date and interest saved. Clear the fields and experiment with different scenarios to see how adding extra payments can dramatically increase your savings on interest and get you out of debt even sooner.

AutoPayPlus will help you pay down debt faster. Withdrawals from your account every other week match conveniently with paychecks and your monthly budget — and an additional half-payment twice a year toward principal reduces interest over the life of the loan. Please visit this useful website to learn even more about using a biweekly mortgage payment calculator and all your money-saving, debt-eliminating options!

The first step is to get to know the grocery stores you buy from. Many stores run their sales on a schedule, often six or eight weeks apart. This means if an item is on sale this week, it will be on sale again in six or eight weeks. Some products are seasonal sale items such as allergy medicines and tissues. These type of products tend to be on sale late winter and early spring to help customers stock up for spring allergy season. Other items such as grilling products have sales in late spring or early summer. Back-to-school items generally go on sale in July and August.

Knowing your grocery store’s coupon policies are another way to save. One of the best offers is coupon doubling. This is when stores will double or sometimes triple the value of a single coupon. Many stores will offer grace periods for using coupons after an expiration date. Other coupon practices to know what your store’s policies are include stores accepting mobile coupons on a cell phone, and matching or accepting coupons from other stores.

The essential step to save money on your grocery bill is to be proactive. Do your research before going shopping to find the great sales and grab some new coupons. Start by visiting the websites of any store you go to, and the manufacturers’ websites of your favorite products. Check weekly sales flyers that usually come as an insert in your Sunday newspaper. They can also be found online with your online newspaper subscription. Set up an email account just to receive coupons and manufacturer’s newsletters, or have them sent to your existing account. Creating a separate folder in your email is a great way to keep your shopping items organized.

Loyalty programs at grocery stores are another great money saving idea. You may be required to sign-up and show a membership card when you check-out to get any program rewards. Loyalty programs may include cash-back incentives, additional savings on future purchases, and loyalty program customer discounts.

Knowing when the best prices are can also help you to save. Typically new circulars come out on Wednesdays. The prior week’s sales will often still be honored by stores. Items that are close to the “sell by” date frequently are put on sale mid-week. After a major holiday or event many seasonal items go on sale.

For additional savings try being creative in the kitchen. Use left-overs instead of throwing them out, hunt through your cabinets, refrigerator and freezer use what you find before buying new. With just a bit of work and some creativity you can find ways to save on groceries.

These savings can then be used for the bills that are stressing you out the most in life. Bills like your student loan bills, mortgage bills, etc. Using a Bi-weekly loan calculator, you can know exactly what you can afford! These bills seem like a huge hurtle at first but with plans like loan payment plans, because of the pressure it takes off of you, the stress will begin to fade away.

References:

1. “7 Ways to Save Money on Groceries”

8 June 2016

http://www.bankrate.com/finance/personal-finance/7-ways-to-save-money-on-groceries-1.aspx

Automatic Bill Payment

Making use of an auto-payment support could help you save time, pressure, and money in the end. AutoPayPlus provides a service that is exceptional because not only does it assist you by keeping you away from expensive late fees or and taking care of your bills in one place, but it is also effective by working with each of the lenders to carry out an accelerated personal debt reduction payment schedule. AutoPayPlus really helps to get you debt-free faster and can possibly create important equity and/or cut down total interest payments for you.

Never ever be concerned once more about when your bills are to be paid or the probability of “snowballing” into financial debt. Get the financial loans paid off more rapidly and tailor your funds toward an existence that is debt-free.

Financial Loan Consolidation

A personal loan consolidation could be desirable to people that are at their neck in personal debt.

Although the attraction of paying one monthly payment at a low rate looks like a promising idea, it is going to most likely cost you far more in the long term. The reality is that after looking into it you probably won’t desire getting yourself caught up in carrying out a loan consolidation that is unless you are really and hopelessly drowning with extreme interest levels and huge regular monthly payments.

If that’s the issue, have an understanding of what your monthly payment will likely be. If it is equally as much, or larger but fits into your price range, you may choose to reflect on paying off your bills on your own with enhanced payments. Or else you will likely end up having to pay more in interest payments, considering the fact that your loan will likely be around for a lengthy span of time.

Debt Management Plan

Selecting a Debt Management Plan may help you remain structured and punctual with all your payments as a result of realistic budgeting. Most financial experts advise working with a DMP as the best approach in debt consolidation. By way of this technique, you send just one payment towards the company managing your consolidation then the amount will be split among your collectors. This may well influence your credit score negatively, but the moment you’ve paid off the debt in 3-5 years, your credit score should definitely strengthen.

With the support from a certified counselor, you can soon be on your journey to meeting your fiscal goals, strengthening your credit score, and getting in control finances.

Financial Debt Prevention

One of the best ways to deal with your financial debt as well as your helping your overall wallet is to stay clear of debt to start with. Obviously, it is easier then done. Although the faster you come to understand the concept of good budgeting, the earlier you will be living a lifestyle with much less stress.

Primarily, understand why numerous people get into financial debt:
• Reduced Income
• Poor Funds Management
• Underemployment
• Gambling
• Medical Costs
• Minimal Financial Savings

What you can take from these facts is that you should set up a rigorous and sensible budget that enables you to balance your profits from your expenditures. When you’ve got extra money, put it right into a savings account for unanticipated expenses. Avoid overspending on things that are not necessary and ensure your plan is actually followed. If you are presently in debt, consider one of the other few strategies and when you succeed, don’t dare to go down that street all over again. Visit https://www.autopayplus.com/services/bill-pay/?utm_source=MTarticle  for help and advice in order for you to continue too succeed in tackling your debt.

This is the wrong course of action.

Although there are no immediate fixes, there are choices. Some of the best ways to pay down debt are fairly simple. Here are a few of the best ways to pay off debt.

Renegotiate Interest Rates
A simple technique to manage your debt is to renegotiate the interest rates on your credit cards. Call the customer-service representative number on your bill. State that you are disappointed with your current interest rate, and would like to find out if there are ways to get it lowered.

If the customer representative says no, ask for a supervisor.

Here are some other tactics for the best ways to reduce debt.

The Snowball Approach
Massive snowballs start with a handful of snow. This is the same way with your debt-reduction plan. The first step is by working on paying off your smallest debt, then continuing until you pay off your largest debt. Begin by making a list of your debts and the amounts you owe, from least amount to largest amount:

$455 store charge card ($45 payment)
$2,000 medical bill ($60 payment)
$5,250 credit card ($140 payment)
$12,000 student loan ($226 payment)

Make minimum payments on all your debts, except the one with the lowest amount — store charge card. For this card, each month pay as large a payment as you can. When you pay off that card, move on to the next and follow the same steps. Pay as much as you can toward the monthly payment of the next lowest debt — medical bills. Continue these steps until you pay off your largest debt — student loan.

Biweekly Mortgage Payments
To follow are some of the best ways to reduce debt for large loans. A good process for huge savings and financial well-being is making biweekly mortgage payments.

With this technique you pay half your regular mortgage payment every other week, instead of the entire payment once a month. By doing this, you’ll pay 13 yearly payments instead of 12.

Your mortgage payment will increase by 1/12th, but the extra payment amount goes toward your principal. You don’t pay interest on parts of the mortgage you pay off early. The amount you save can be substantial.

With a 30-year mortgage for $272,000 at 4.25%, this process can save you more than $34,000 over the life of your mortgage. You could potentially pay off your mortgage five years early! Biweekly payment plans can also work for other types of loans.

Making biweekly payments can take extra time. AutoPayPlus is there to make it easier for you. They can make sure your payments are made on time and ensure they are applied properly for the best debt-reduction advantage. To find out how making biweekly payments is one of the best ways to pay off debt, click here to check us out!

Or call us at: 877-740-0524

Sources:
http://www.thesimpledollar.com/11-ways-to-get-out-of-debt-faster/
http://www.daveramsey.com/blog/how-the-debt-snowball-method-works

The first step is to have a clear picture of how much money you are making and how much you are spending. Make a list of your income sources, such as weekly paychecks, and odd-jobs. Next write down your fixed monthly bills such as electricity, cell phones, and mortgage. Then create a list of other costs such as haircuts, clothing, gifts, even your daily coffee on your way to work. Small purchases do count. This will give you an idea of where your finances are at.

The second step is to set up a schedule where you pay yourself first each paycheck. You can set up an automatic deduction from you paycheck into a payroll savings plan, or an automatic transfer from your checking into your savings. This step is to ensure you created a routine for your savings. With just this step you will see your savings start to grow.

The third step is a bit intimidating, but don’t let that worry you. It’s not difficult. This step is learning about compounding interest. According to The Federal Trade Commission compounding interest is “the interest you earn on your initial investment plus all the interest that accumulates over time.” For savings accounts there are simple interest and Compounding interest. Simple interest is when you earn interest on your initial investment only. You want compounding interest. It’s that easy.

The fourth step is how to save when you start paying off your debts. This is your “extra” money that can be put directly into savings. For instance, when you get a raise, the extra money each paycheck goes directly into your savings. Or you pay off a credit card, the monthly payment you would have made also goes directly into your savings. To make it easy you can have this automatically transferred from your checking to your savings.

The fifth step is all about being creative in ways to save money. The money saved you can put, you guessed it, into your savings account.  Ways to save include going to local beauty schools to get your hair done. Often students will do this for free or at a reduced cost. Also, your local library has free books, music and DVD’s you can borrow. Another way to save is by bartering. You have skills and items that other people need, and other people have skills and items you need. It’s fun and free.

Finding ways to save money can be easy if you just set your mind to it. You can still enjoy your coffee on the way to work, try doing it once a week as a treat. You could be saving yourself a lot of money with this our bill pay service.