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


Posted by Cindy Gordon on 7/9/2017

Establishing a homebuying budget can be tough. But for those who want to secure a terrific home at an affordable price, entering the housing market with a budget in hand can make it easy to accelerate the homebuying cycle.

Now, let's take a look at three questions to consider about a homebuying budget.

1. How much money have I saved for a home?

Examine your finances and see how much money is readily available for a home purchase.

Remember, the more money that is at your disposal, the more likely it becomes that you'll be able to secure your dream residence in no time at all.

Although savings are important, it is essential to note that those who have little to no money saved still have plenty of time to get ready for the homebuying journey. And if you start saving a little bit each day, you can move closer to accomplishing your homeownership dreams.

2. Do I need to get a home loan?

In most instances, a homebuyer will need to obtain a home loan so he or she can purchase a residence. Luckily, many lenders are available to help you discover a home loan that matches or surpasses your expectations.

Meet with a variety of lenders in your area – you'll be glad you did. Each lender can provide insights into assorted home loan options, explain how each home loan works and respond to your home loan concerns and questions.

Also, it often helps to get pre-approved for a mortgage. If you have a mortgage available when you enter the real estate market, you'll know exactly how much you can spend on a residence, thereby reducing or eliminating the temptation to overspend on a house.

3. How will my monthly expenses change after I buy a house?

Owning a home is different from renting an apartment. As such, you'll want to account for all potential expenses as you create a homebuying budget.

For example, a homeowner will be responsible for any home cable, internet and phone bills. This property owner also will need to consider any home maintenance costs like those associated with mowing the lawn in summer or removing snow from the driveway in winter.

Crafting a homebuying budget that accounts for your personal finances can be tricky. If you need additional support along the way, lenders may be able to provide expert tips to ensure you can acquire a wonderful house without exceeding your financial limitations.

Lastly, don't forget to reach out to a real estate agent for help along the homebuying journey. A real estate agent is a housing market professional who will go above and beyond the call of duty to assist you in any way possible. From setting up home showings to negotiating with home sellers on your behalf, a real estate agent will make it easy for you to secure a superior home at a budget-friendly price.

Consider the aforementioned homebuying budget questions, and you can speed up the homebuying process.




Tags: budgeting   buyer tips  
Categories: Uncategorized  


Posted by Cindy Gordon on 10/2/2016

What's for dinner? That is always a tough question when its 5:30, you have just walked in the door and all you can find is a box of cereal. Avoid ordering out or a dinner malfunction by keeping your pantry stocked with a list of staples that will help you make a variety of meals in a jiffy. 1. Canned chicken: At first it may not sound so appetizing but with a storage life of up to a year, canned or pouch chicken can be a lifesaver. Mix it in with casseroles, stir-fries, creamy salads, or even shredded as a topping to a baked potato. You won't know the difference. 2. Pasta: It doesn't matter what kind; spaghetti, linguini, rotini, penne, macaroni,–the list goes on. Pasta is best served to add bulk to a meal. Pasta can be an alternative to rice which can take longer to cook. Add pasta to soups, sauces, with cheese or vegetables and you will have a home-style meal in minutes. 3. Jarred Tomato Sauce: You have the pasta in the pantry so having a quick jar of sauce is a no-brainer. It's not your mother's homemade sauce but it will do in a pinch. Tomato sauce is actually very versatile and can also be used in soups, stews, and chili recipes. 4. Rice and Grains: Grains can be used as a quick side to any meal or bulk up any dinner. Stock up on quick-cooking rice, bulgur, and barley. Serve grains with a simple stir-fry or mixed with veggies and an egg for an easy fried rice dish. Mix flavored rice boxes with ground beef for an easy, one-meal dish. 5. Canned Beans: Beans are high in protein; they have a long shelf life and can be a part of lots of different dishes. Heat and mash them for a filling soup or drain and mix them with canned veggies for a light and flavorful dip or vegetable salad. Any kind of beans will do; Black, Pinto, Cannellini, Great Northern, or Garbanzo, just choose your favorite. 6. Canned Vegetables: It is so difficult to use fresh-bought produce before it wilts. Canned vegetables to the rescue, they last much longer. Combine an assortment with broth and seasonings for an easy vegetable soup or add them to pastas, dry soup mixes, casseroles, or rice. 7. Canned Salmon and Tuna: Protein is good for you and helps fill you up. Canned salmon and tuna can be used for easy meal ideas. Serve in salads, pitas, pasta dishes, burgers, loaded potatoes, croquettes, and even as light appetizers or snacks. 8. Canned Tomato Products: Canned tomato products can be turned into so many things. Stock up on paste, stewed, diced and whole tomatoes. Diced tomatoes make a great queso dip when added to melted cheese. Add to ground beef and taco seasoning for a zesty burrito supper, or to a skillet with seasoning for a homemade pasta sauce. Use stewed tomatoes in soups and stews. 9. Peanut Butter: Everyone loves a PB&J sandwich, but peanut butter can be used on the dinner table for Asian-inspired flavor in dips, sauces, and stir-fry. Try it for a snack spread on celery stalks or apple slices, or as a spread with multigrain crackers. 10. Canned Fruit: Fruit for dinner? Why not? Jarred cherries, canned fruit, including pineapple, mandarin oranges, and even fruit cocktail can be used as a healthy and lean side dish. Try serving grilled pineapple with chicken, add mandarin oranges to salads, and fruit always makes a great dessert.




Tags: budgeting   pantry   dinner help  
Categories: Uncategorized  


Posted by Cindy Gordon on 12/13/2015

Buying a home is a very important decision. Before you rush into a home you should consider all the factors. Making sure you end up with the right home involves figuring out exactly what features you need, want and don't want in a home. Before starting your search, you should make a "wish list" to decide which features are absolutely essential, which nice “extras” are if you happen to find them, and which are completely undesirable. The more specific you can be about what you're looking for from the outset, the more effective your home search will be. Also keep in mind, that in the end, every home purchase is a compromise. Create your own personalized "wish list" and when you're finished filling it out; share it with your real estate agent. Become an educated buyer •The web is one of the best ways to search for homes today. With this website, you can receive daily emails with new and updated listings from the towns and price range of your choice. •Search the entire MLS for all homes, condos, land, multi family, commercial properties, and past sold properties at your convenience. •View full listing sheets showing amenities, taxes, lot sizes, beds, baths, rooms, siding, fireplaces, garages, room sizes and much more. •Get property addresses and see where the properties are located on MapQuest. •Check schools and community profiles of your preferred towns. •Save preferred listings in your own file to view anytime. •Calculate approximate mortgage payments for specific properties. Home Inspection Once you have made an offer on a home, you will need to schedule a home inspection, conducted by an independent authorized inspector. It is extremely important to hire a reputable inspector so that you know exactly what you are buying. Do not hesitate to ask friends, family, and co-workers for advice. If you are satisfied with the results of the inspection, then you can proceed with the sale. If the inspector finds problems with the property, you may want to negotiate with the seller to lower the price, or to pay for certain repairs. Appraisal Your lender may require you to get an appraisal of the house you want to buy, to make sure it is worth the money that you are borrowing. You may select your own appraiser, or you may ask your real estate broker to help you with this task. Homeowner's Insurance Lenders require that you have homeowners insurance, to protect both your interests and theirs. Like everything else, be sure to shop around for insurance that fits your needs. Settlement or Closing Finally Make Sure Before you Buy Finally, you are ready for the closing. Be sure to read everything before you sign! You should have both your real estate broker and an attorney present at the closing to ensure that all is in order.





Posted by Cindy Gordon on 7/13/2014

If you are looking for ways save money, cutting back on grocery expenses is often an easy way to reduce your spending. Here are ten tips to master frugal grocery shopping. A little planning can save you some big bucks over the long term. 1. Make a list. Before you head out to the store, prepare a list of everything you need, making sure you have everything needed for your weekly menu. Before you leave, check to make sure you don't have it in your pantry, fridge or freezer. Stick to that list and don't buy anything else. 2. Plan a menu. Plan a weekly menu for each week. This way you will know exactly what to buy. Be sure to plan a leftovers night. 3. Don't shop hungry. When you're hungry, everything looks good. When you shop hungry you'll end up spending a lot more. Eat first and then you will be able to stick to your list. 4. Set a budget. When you go to the store, know exactly how much you can spend. Then try your best to stick within that limit. Keep a running tally as you shop to ensure that you're within your budget. 5. Create a grocery spreadsheet. Keep your grocery receipts, then enter into a spreadsheet. This will be your price and comparison list. Use it so you know when bulk or sale items are a good deal. 6. Cook and freeze. Plan to cook a big amount of food and freeze it for multiple dinners. A great idea is to use one Sunday and cook a week's (or even a month's) worth of dinners. Plan 5-6 freezable dinners and cook them all at once. 7. Shop for specials. Every store has specials. Be sure to look for them in the newspaper, or when you get to the store. Don't buy things you don't use just because they are on sale; make sure you will use the items. 8. Buy store brands. Brand names are often no better than generic, and you're paying for all the advertising they do to have a brand name. Give the store brand a try, and often you won't notice a difference. 9. No "one-item" trips. They waste gas, and almost inevitably, you buy more than that one item. If you plan ahead, make a weekly menu, and shop with a list, this should drastically reduce the number of trips you make for a small number of items. 10. Stock up. Sale items can be a great deal. If it's an item you normally use, buy a bunch of them.





Posted by Cindy Gordon on 6/23/2013

In today's economic climate protecting your financial health is more important than ever. From health insurance to your plans for retirement, there’s a lot to consider. Here are some tips from Family Wealth Management Group, LLC to help protect your assets and financial future. It is never too early to plan. In order to plan, you need to know what you have. Review your pension plan, 401 (k), IRAs, Social Security benefits and other savings plans to assess whether they meet your long-term retirement goals and will generate an income stream to meet your projected expenses. Curb spending. Time to take an inventory on how much you spend. Keep a log on trips to the market, afternoon lattes, dry cleaning and all of your miscellaneous spending. Try to eliminate a portion of these expenses. Once you track them you will realize you are spending more than you thought. Re-define your financial goals. Ask yourself where you see yourself in five, 10 or 15 years. See if it possible to redefine your goals. You may be able to retire earlier or pay for college. Set goals to achieve the things you want. Get help. Professional advice about investment losses, financial products, insurance coverage and other important issues will help you make the right choices for your current financial situation.




Categories: Money Saving Tips