A new year gives us the opportunity to reflect on the previous 12 months then set goals to make the next 12 months even better! Whether it's personal, financial or physical goals, in order to reach your resolution, you must write it down and work towards it every day.
This year I want to become a better cook, increase my sales by 20%, go to South Africa and finally have our emergency fund where it needs to be.
What are your goals for 2015?
A popular New Year's Resolution is to buy a home. Maybe you're buying your first home, or need a bigger home for your growing family or possibly a smaller home for your aging family. Whatever the case, you'll probably need to plan and save.
According to the 2014 Profile of Home Buyer and Sellers Survey conducted by the National Association of Realtors, 37% of home buyers said it took them 6 months to save for their down payment, 15% said it took them 12 months and 10% said it took 12-18 months to save. By starting today, you could hopefully be in your new home by the end of the year!
Here's a bonus- saving for your home could help you achieve another common goal- losing or maintaining weight. Going out to eat is rough on your budget and belly! Cut down that cost by making more meals at home and buying certain foods in bulk.
You may not need as much money to buy a home as you think too! Down payment requirements are getting lower. There are 3% down payment programs and don't forget USDA loans! USDA provides loans with $0 down payment in eligible areas.
Read up on USDA here http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do
Talking to mortgage and real estate professionals early on in your house hunt is super beneficial. They help give you an idea of costs needed, determine your price range and assist in deciding your next best neighborhood. If you need mortgage lender recommendations, contact me today!
Happy 2015!
This year I want to become a better cook, increase my sales by 20%, go to South Africa and finally have our emergency fund where it needs to be.
What are your goals for 2015?
A popular New Year's Resolution is to buy a home. Maybe you're buying your first home, or need a bigger home for your growing family or possibly a smaller home for your aging family. Whatever the case, you'll probably need to plan and save.
According to the 2014 Profile of Home Buyer and Sellers Survey conducted by the National Association of Realtors, 37% of home buyers said it took them 6 months to save for their down payment, 15% said it took them 12 months and 10% said it took 12-18 months to save. By starting today, you could hopefully be in your new home by the end of the year!
Here's a bonus- saving for your home could help you achieve another common goal- losing or maintaining weight. Going out to eat is rough on your budget and belly! Cut down that cost by making more meals at home and buying certain foods in bulk.
You may not need as much money to buy a home as you think too! Down payment requirements are getting lower. There are 3% down payment programs and don't forget USDA loans! USDA provides loans with $0 down payment in eligible areas.
Read up on USDA here http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do
Talking to mortgage and real estate professionals early on in your house hunt is super beneficial. They help give you an idea of costs needed, determine your price range and assist in deciding your next best neighborhood. If you need mortgage lender recommendations, contact me today!
Happy 2015!
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