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The days when it was hard to go through and there was million reasons to give up, I have realized stress isn’t gonna take me anywhere. I started to focus on what’s really important to me. Identify whats your most important goal and focus on that, either thats establishing your credit score by paying off your cards, or saving money for a down payment to buy your dream home, or maybe travel to Europe. The rest of the distractions and little problems will take care of them selves as long as you are focused, and committed to your bigger goals. Be focused and I can assure you, nothing will stop you except yourself. You own your life! www.chrisluxury.com #goals#commitment#dreams#stress#creditscore#creditcard#travel#focus#downpayment#california
We consistently get calls from potential clients asking “What type of loan should I get?
There isn’t a one size fits all answer for this question! There are lots of great #financing options but maybe just ☝🏼 that works best for you.
Conventional or FHA? Is this an investment home? Do you plan to stay long term? How much money do you intend to use for a down payment? #CreditScore ? Do you prefer higher payments over a short period time or lower payments over a longer period of time? Is this your #ForeverHome ? Do you plan to do any major home improvements?
🗣While some mortgage loans require a relatively low down payment or none at all. There are some benefits for making a 20% down payment when buying a home🏡
1.A lower interest rate👇🏻 Obtain a better rate and terms when making a 20% down payment. Why? The more confident your lender is in your ability to pay the loan, the lower the rate they can offer you. A buyer applying a greater amount toward his down payment is perceived as more financially stable than a buyer putting just 3-5% down.
2. A lower monthly payment 📆.
Putting 20% down also means you are borrowing less for the same home. The less a buyer borrows, the lower the repayment will be over the life of the loan—which can drastically decrease your monthly payment.
Avoid gift taxes when you gift money to a family member or close friend. The IRS raised their annual gift tax exclusion to $15,000. Watch Wednesday's video to find out how the math works in your favor EVERY time! Need to know sooner? Give us a call today!
PART 5 OF 5 ✔✔
I used to think that journaling was silly, and that people who journal spend too much time writing about doing instead of doing. Now journaling is an essential part of my morning. It gives me the opportunity to put on paper everything that I am grateful for, and another medium for me to state what I want for myself in the future.
Another benefit I've found is that until I started writing down my intentions, I didn't have a clear vision of what I wanted in my future. Knowing exactly what you want, word for word, is the only way to actually get there. Check out Vivid Vision by Cameron Herold.
I currently work in two journals. Both have a very specific format, and require an entry every morning and every evening. The Five Minute Journal prompts me to project what I am grateful for, what would make today amazing, and my daily affirmations. Then in the evening I reflect on the successes and areas of improvement of my day.
The Morning Sidekick Journal, which I've gotten into more recently, focuses more on habit forming and accountability as it takes you through a 66 day program meant to solidify good habits while experimenting with new ones in an effort to refine and entrench your routine. I would highly recommend both of these.
We have mortgage programs that are friendly to first-time buyers with grants up to $10,000. We’ll help you find out how much how you can afford and help you pick a mortgage program that will keep your down payment to a minimum.
Call me! Donna Marshall 732-670-2164 ☀️ Voting is still open for Asbury Park Press’s “Best of the Best”! ☀️
➡️ 1. Click on the link in our IG bio or go to bit.ly/31ykVyf ⬅️
2. Scroll down on the LEFT under “People and Services” to MORTGAGE COMPANY
3. Write in Family First Funding in Red Bank, NJ with your E-mail, Name and Zip.
4. Click VOTE
ARE YOU TRYING TO SAVE YOUR HARD EARNED MONEY, SO YOU CAME BECOME A HOME-OWNER?
AS YOU TELL WITH THE WEATHER THE LAST FEW DAYS...FALL IS IN THE AIR IN NORTHERN MICHIGAN! 🍁
Everyone's favorite treat the pumpkin spice latte will be at all your local coffee shops soon! You may be tempted to spend your extra cash on a daily caffeine fix, but that small expense can add up to a big number – fast! Instead treat yourself to saving that money, and becoming a home-owner! #home#realestate#michigan#berkshirehathaway#michiganlifestylehomes#latte#fall#savingmoney#downpayment#homeowners
I will be opening an account at one of these and will move my emergency fund there! I also hope to start saving for a down payment on my next home, so I will also use the account for that. Right now my emergency fund money is sitting in a large bank and not collecting much interest! What a waste. These other options have much higher interest rates!
This new modern townhome sits in one of the most walkable locations in Old Fourth Ward. This quiet street does have access via pedestrian bridge to Highland Bakery, Inman Quarter, area parks and countless other amenities. All of this is visible from the full rooftop terrace. This modern masterpiece features light filled large rooms great for entertaining, hardwood floors, custom tile, gourmet kitchen, large master suite with a wraparound porch, garage and a huge rooftop terrace to take in the Atlanta skyline!
It looks like there are a few new faces around here so I wanted to re-introduce myself. 👋🏼⠀
My name is Marissa and I’m 25. I’ve been married to my husband, Jacob, for 4 years and we live in Portland, Oregon. ⠀
When we got married, we were right out of college and had $87,000 of student loans... We had life dreams of having a family and a house, and knew we couldn’t make those things happen if we had all this debt! So we got to work on paying it off!⠀
In 2.5 years, we became debt-free! We lived very minimally, sacrificed, took on side hustles, and of course, kept a budget. 😊⠀
Since then, we have saved a 6 month emergency fund, upgraded our cars in cash, and saved for a down payment on a house (which we close on next month)! 🏡 ⠀
Here on insta, I share about money and also my personal life.⠀
The last couple months of my life have been really weird... high highs and low lows. In June, we found out we were pregnant with our first baby. But in July we had a miscarriage. It was very devastating and I’m still grieving our loss. But I am open about sharing our experience to remember and honor our baby, Grace. And to contribute to changing the stigma around miscarriage.⠀
Thanks for hanging out and following along on this crazy life journey. Oh yeah. And you bet budgeting tips will be shared. 😊⠀
Baby step 3b in progress: 25% complete✨
📚 2019 Erin Condren Deluxe Monthly planner
🖊 #taotree fineliner drawing pens
🖍@crayola supertips markers
If you've been following for quite some time, I've mentioned before that we've usually saved hubby's pay last year for our house payment and other savings goals. Goal is to put at least a 20% house down payment (to avoid PMI) and then save additional money for closing costs, inspections, fees, etc.
Without disclosing incomes (as most of this beginning balance is hubby's pay), we're using percentages for our progress **(100% in picture will mean that we've saved 20% down payment + extra $$ for housing costs/fees). Aiming to be at 55-60% of the way done by the end of the the year. And praying to be done with this goal by summer/fall 2020 🙏🏼
We also need to shift focus on increasing retirement contributions as well as saving up for another vehicle at some point so definitely some big savings goals this year...