Cindy Gordon
Coldwell Banker Residential Brokerage | 774-249-4824 | cindygordonhomes@gmail.com


Posted by Cindy Gordon on 4/22/2018

Once you buy a home, you realize that every penny of your budget matters. The initial purchase of a house can be financially overwhelming. Youíll be withdrawing thousands of dollars from your account to secure the home. Once you close on the house, itís time to buckle down on your budget. Continue reading for some tips on how to do just that.


Food Spending


For most people, food spending is one of the biggest things that suck the life out of their budget. Whether youíre getting take out three times a week or spending massive amounts at the grocery store, itís time to take a serious look at your food spending.


Shop With A Plan


If you head to the grocery store with a plan in mind, your shopping trip will be more successful and less expensive. Many people are unsure of what they have in their cabinets and fridge, let alone what to make for dinner. Make a list of meals to have for the week. Then, see what you need to complete those recipes in your kitchen and pantry. Itís also a good idea to stock your pantry with essentials when sales are going on.        


Supermarket ads can also be incredibly useful. You might have to store hop on a weekly basis, but shopping with the sales can save you a lot of money in the long term. 


Look At Your Credit Card Statements


Are you being charged for a monthly gym membership that you donít ever make use of? You can do one of two things: Start going to the gym or cancel out your membership and begin a daily jogging routine. Look at your cable bill and any other monthly subscriptions that you have. See where you can cut back. Are premium movie channels a necessity? Itís easy to forget what weíre being charged for on a monthly basis if we donít look at our bank and card statements. 


Cut Luxuries


Maybe in your life before becoming a homeowner, you went for a weekly massage or had a monthly housecleaning service. You can still have these luxuries, but they may need to be less often or less extensive. For example, a significant portion of time during maid service is spent loading the dishwasher or cleaning pots and pans. You can clean up after yourself and your family each night following dinner and cut back on the amount of time a maid would need to spend in your home. The cleaning person also now will have more time to spend on other things in the house that need attention. 


You can keep your massage; it may just have to be bi-weekly or monthly. Get creative to still have the things you want in your budget without going overboard.    





Posted by Cindy Gordon on 4/15/2018

Home is where the heart is and we all want to make sure the heart of our home, our family, is healthy and happy. Creating a home that sets your family up for success towards becoming a healthier, and therefore happier family can lead to happy memories you can cherish forever. Keep reading for tips and habits you can enforce and lead by example in your home to encourage your family to make healthy choices both mentally and physically. Practice gratitude. At the end of each day, perhaps even around the dinner table review your family's favorite moments of the day and what they are grateful for. Creating space for these moments is akin to writing out gratitude lists which have been scientifically proven to help increase happiness. This habit also has the added benefit of bringing your family closer together . Spend time together at home. Whether itís a weekly game night where your family gathers around the kitchen table to play board games, huddles up in the living room to play some video games or spend the day playing a game of ball in the backyard. Taking time to enjoy each other at home base creates happy memories and helps your family become more tight knit. Create zones in your house. Set up zones for activities such as tech only, homework, play, solo time and even family time to help encourage focus on the activity at hand while maintaining balance. By creating specific zones you help hardwire your familyís brains to focus on the activity at hand and allow a way for other members of the family to respect that personís time while they are engaging in an activity. Healthy Choices. Set out bowls of fruits, pre-cut veggies to snack on and keep a jug of cold water on hand to guide your family towards healthy choices on their own. This works especially well with younger children so that you can allow them to make their own food choices at snack time and ensure you are making it easier for them to reach for the good stuff. Encourage physical activity. If you child is interested in an afterschool sport, practice being enthusiastic and supportive of their new interest. Spend time practicing with them in the backyard and volunteer to host their friends over for a group practice in the backyard. If your partner is interested in joining the gym or an adult league, leave room in your familyís schedule for them to easily stick to and enjoy their new commitment. Make relaxation easy for your family. Consider what each member of your familyís go-to technique to relax is and set up ways for them to easily do so. If your children love to draw or paint set up an art station they can easily access at their discretion. If your partner enjoys curling up with a good book and some hot tea arrange a bookcase with their favorite titles within reach and keep tea making supplies at the forefront of your cabinet. Get outside.†Sometimes it's important to get out of the house too. A few times a month schedule times for family trips to get outside and visit nearby trails. Whether you walk, hike or ride bikes as a family getting outdoors to enjoy fresh air and be active will improve your familyís health and guarantee some quality time together. We all want health and happiness for the ones we love. You can help promote healthy habits that lead to increased happiness for your family with a little preparation and guiding by example. Working with, playing with, and supporting each other along the way will guarantee a healthier, more tight knit family with loads of memories to cherish for years to come.




Categories: healthy home   family fun   new home  


Posted by Cindy Gordon on 4/12/2018

Looking for tranquility in a country like setting AND an ideal commuter location? This beautiful architect designed Farmhouse has a contemporary feel and an open floor plan, perfect for your life style! The home design brings the outdoors in at every opportunity! The birch kitchen is complete with large island, breakfast bar, and pantry. Dine surrounded by nature in the screened-in porch off the dining room, overlooking the beautiful grounds. Gather in the family room with vaulted ceiling, fireplace and deck access. A spacious and private master suite includes a dressing room/nursery, plenty of closets and full bath. The house has 4 bedroom septic and currently uses 4th bedroom on first floor as den/playroom. Lots of space for play, exercise,media in finished LL walk out. Convenient mudroom area. Enjoy the outdoors relaxing on your front porch, back deck, screen porch or in the very spacious yard. All this and just minutes to Rt. 290, Worcester, Tower Hill Botanic Garden, & much more

More Info on this Property | New Listing Alerts





Posted by Cindy Gordon on 4/12/2018


22 Linden Street, Boylston, MA 01505

Single-Family

$475,000
Price

7
Rooms
4
Beds
3
Baths
Looking for tranquility in a country like setting AND an ideal commuter location? This beautiful architect designed Farmhouse has a contemporary feel and an open floor plan, perfect for your life style! The home design brings the outdoors in at every opportunity! The birch kitchen is complete with large island, breakfast bar, and pantry. Dine surrounded by nature in the screened-in porch off the dining room, overlooking the beautiful grounds. Gather in the family room with vaulted ceiling, fireplace and deck access. A spacious and private master suite includes a dressing room/nursery, plenty of closets and full bath. The house has 4 bedroom septic and currently uses 4th bedroom on first floor as den/playroom. Lots of space for play, exercise,media in finished LL walk out. Convenient mudroom area. Enjoy the outdoors relaxing on your front porch, back deck, screen porch or in the very spacious yard. All this and just minutes to Rt. 290, Worcester, Tower Hill Botanic Garden, & much more
Open House
Sunday
April 15 at 12:00 PM to 2:00 PM
Cannot make the Open Houses?
Location: 22 Linden Street, Boylston, MA 01505    Get Directions






Categories: New Homes  


Posted by Cindy Gordon on 4/8/2018

Buying your dream home should be simple. Unfortunately, challenges may arise during the homebuying journey, particularly for those who fail to budget accordingly.

Establishing a budget before you begin your home search is paramount. With a budget in place, you can explore houses that fall within your price range and move closer to finding a great residence that you can enjoy for years to come.

Ultimately, creating a homebuying budget can be easy Ė here are three tips to help homebuyers establish budgets.

1. Consider your utility costs.

Although you may be able to get pre-approved for a mortgage and determine exactly how much you'll need to pay for a house, you'll still need to account for utility expenses month after month.

Electricity, heat and other utility costs can add up quickly. However, a diligent homebuyer should have no trouble estimating his or her monthly utility fees.

Examining your current utility expenses can help you understand how much you may wind up paying in utility charges at your new address. Also, don't forget to consult with your real estate agent, as this professional may be able to provide details about the average utility costs associated with a particular residence.

2. Manage your debt.

If you decide to purchase a "fixer-upper," i.e. a home that requires extensive home repairs, you'll likely need to commit substantial time and resources to complete home renovation projects. Thus, you'll want to consider any home repair tasks that you may need to complete at a new address and budget for them before you make an offer on a house.

In addition, knowing your credit score can help you understand your debt. You are entitled to a free copy of your credit report from each of the three major credit reporting agencies (Experian, Equifax and TransUnion), and each report will provide information about any outstanding debt. That way, you can learn about your debt and find ways to minimize it prior to purchasing a residence.

3. Account for closing costs and miscellaneous expenses.

Home closing costs will include your loan origination, title insurance and appraisal fees and often range between 3 percent and 7 percent of your total loan amount. You'll want to account for these expenses as you establish a homebuying budget to ensure you can secure your dream house without delay.

Spend some time learning about all of the expenses that may impact your monthly home expenses too. For example, if you purchase a condo, you may face monthly homeowners association fees in addition to your mortgage costs. Or, if you plan to have a baby in the near future, you'll want to consider how the costs of raising a child may impact your ability to cover your mortgage expenses.

If you ever have concerns or questions about establishing a homebuying budget, be sure to consult with your real estate agent. Remember, your real estate agent is available to help you in any way possible and will do what it takes to ensure you can establish the right homebuying budget.




Tags: budgeting   Buying a home  
Categories: Buying a Home   budgeting