Renee Prunier


Posted by Renee Prunier on 4/16/2018

If you've been pre-approved for a mortgage, you can enter the housing market with a budget in hand. In fact, this mortgage will enable you to spend up to a certain amount on a house. But in many instances, it pays to buy less house than what you can actually afford.

Ultimately, there are many reasons to consider purchasing a house below your means, such as:

1. You might not have to worry about significant home maintenance.

A small house likely means less home maintenance than would be required in a large house. Therefore, you may be able to spend less time worrying about keeping your residence looking great if you acquire less home that what you can afford.

Of course, let's not forget about the money that you might save by purchasing an affordable residence. If you buy an inexpensive home, you may be able to use the money that you save to hire professional home cleaners, landscapers and others to help you enhance your residence's appearance.

2. You'll be better prepared than ever before for unexpected expenses.

There is no telling when a family emergency, natural disaster or other dangerous situations may arise. Fortunately, if you spend less on a house now, you may be better equipped than ever before to handle the expenses commonly associated with these unforeseen events.

Purchasing a cheap house may prove to be valuable if you encounter costly, time-intensive home repairs down the line too.

For example, your home's roof won't last forever, and you likely will need to fix or replace it at some point. But if you purchase a budget-friendly home, you may be able to save extra money that you can use to cover the costs associated with various home repairs.

3. You'll have more money that you can use to personalize your house.

The money that you save on a house today may be used to upgrade your home both now and in the future.

For instance, if you want to install a deluxe swimming pool or fire pit in your backyard, spending less on a house now may provide you with the financial resources that you need to fund these projects. And if you complete a broad range of home renovations, you may be able to increase your house's value as well.

Deciding how much to spend on a house can be a tough decision for any homebuyer, at any time. If you collaborate with a real estate agent, you can explore a vast array of residences that fall within your price range.

A real estate agent will learn about your homebuying goals and tailor your home search accordingly. He or she also will set up home showings, keep you informed about new residences that become available and ensure that you can discover a home that matches or exceeds your expectations.

Consider your budget closely as you prepare to kick off a home search. By doing so, you should have no trouble finding a terrific house at an affordable price.





Posted by Renee Prunier on 4/9/2018

If you've lived in your house for more than five years, there's a good chance that clutter and disorganization is gradually taking over your basement.

While you probably had the best of intentions when you first moved in, that valuable storage space may now have deteriorated into a hodgepodge of scattered furniture, holiday supplies, old toys, boxes, and miscellaneous junk.

If you're considering selling your house in the near future, straightening your basement will soon become a high priority item. Not only is an organized basement an important aspect of staging a home, but it's a key step in preparing to pack your belongings and move to your next location.

As you'll discover when you start sorting through your old belongings, there will also be opportunities to make money, save money, and help other people.

  • Finding old treasures: One result of tackling a basement organization project is that you'll find usable, lost, and valuable things you forgot you even had. Whether something is valuable or pure junk, stored belongings have a way of getting buried and hidden away for years in basements. Once you start grouping things together and throwing away stuff nobody needs, it won't take long before a semblance of order begins taking shape! The longer it's been since you've organized your basement, the more satisfying it will feel to get it underway and done!
  • Money-making options: A well-organized garage sale can be a profitable way to get rid of things you no longer use or want. If you haven't taken the time to pull out belongings that are buried, hidden, or boxed up, then it's difficult to find what's available to sell. When your stuff is already organized and ready to be carried outside, preparing for a garage sale is generally easier, faster, and more efficient. If you just have a few items you want to sell and don't want to be bothered with a garage sale, there's also the alternative of publicizing it on social media, classified ads, flyers, or word of mouth.
  • Donating to worthy causes: If you happen to have furniture, clothing, toys, electronics, working appliances, or kitchen supplies you no longer need, there's also the option of donating it to charitable organizations, such as the Salvation Army, homeless shelters, or other community service groups. If you keep good records or get a detailed receipt from the charity, there may be the chance to deduct the donation on your tax returns. The best source of information on tax-related matters, of course, would be your accountant.

Whether you're planning on moving soon or staying put for a while, taking a few hours to straighten out your basement will not only be personally satisfying, but you could make some money on the side or help underprivileged families in your community.





Posted by Renee Prunier on 4/6/2018

Rare find! Sprawling Custom 3 Bedroom Ranch with a 4 Car Garage in neighborhood setting. This is the home you have been waiting for. Beautiful open floor plan with Cathedral Ceilings in Living, Dining and Family rooms. Master bedroom lends itself to some great privacy as the other two bedrooms are on the opposite side of the house. 1st floor office & Laundry. Kitchen is Cabinet packed with plenty of counter space and large Center Island. So much natural sunlight. Many updates including Andersen Windows, Tyvek Deck, Newer Well Tank, Updated Master Bedroom and Bath. Not enough space on the 1st floor? The Walk-out Lower Level is finished with 3 rooms and access to the 4th car bay. The yard is open and ready for your entertainment needs. Great location with easy access to Oxford Center & Charlton / Dudley Schools.

More Info on this Property | New Listing Alerts





Posted by Renee Prunier on 4/5/2018

Dont miss this opportunity to buy in Charlton for under 200K . The kitchen and huge bathroom have been remodeled with tile flooring. Upgrade, quartz kitchen counters, young carpeting in living room and wood laminate in mudroom and dining room. Wide pine flooring in all bedrooms and hallway. Updated electrical, Dining room gutted and completely renovated. Interior freshly painted. Unique stairway into dining room and living room with build-in shelving/cabinet, high ceilings on 1st floor. Oversized Deck with slider into living room and steps to front and rear yard. Large open yard for all your outside activities.

More Info on this Property | New Listing Alerts





Posted by Renee Prunier on 4/2/2018

Youíve been thinking it for a while: ďI really should start putting some money aside for a down payment.Ē But, you just canít seem to find any wiggle room in your budget.

Youíre not alone. Saving for a down payment isnít easy. Especially if youíve got rent, car payments, student loans, and are trying to put money aside for retirement.

In todayís post, weíre going to talk about how to make a game plan for your down payment. This way, you can start saving immediately, bringing you closer to your goal of homeownership each day.

Step 1: Give each dollar a job

The first rule of budgeting is that you need to know where each dollar you earn ends up. From there, you can start re-allocating funds to the things you want to save for.

There are many apps and tools available to help you out with this process, including YNAB (You Need A Budget) and Mint. If apps arenít your thing, you can always use a simple spreadsheet.

First, account for all of your income. This could include your salary, rental income, or other forms of money that you have coming in.

Next, detail each of your weekly and monthly expenses. Everything from groceries to the internet bill and retirement contributions.

Step 2: Reassess your expenses

Now itís time to make some tough decisions. Are there ways you can cut down on your weekly or monthly expenses? Maybe you arenít using that Amazon Prime membership as much as you thought you would. Or, maybe youíve decided you donít really watch anything on cable but the news. There are a number of ways one might cut back on their monthly bills.

Get creative with family plans, bulk shopping for food, or cooking budget-friendly meals. All of these savings will add up quickly.

Step 3: Pay off small debts with high interest

Letís face it, if you have thousands of dollars in student loans, you might not be able to aggressively pay them down by the time you want to move out of your apartment.

But, for small debts (under $1,000 credit card debt, for example), you could save more in the long run by paying them off and avoiding interest payments.

Step 4: Be smart about your savings

With the right savings account and credit card, you can earn money through savings interest and through cashback rewards on credit cards.

First, find a savings account with the highest possible interest rate. These can often be found from choosing an online bank who doesnít have the overhead of running branches.

Next, direct deposit a set amount of your paycheck each week into that savings account. This way, you can be sure that you wonít dip into your down payment savings.

To generate additional income, you can use cash back rewards from credit cards for things like groceries and gas. Choose a credit card that offers the best cash back rewards for things like groceries and gas purchases. The key here is to only use your credit card on necessities and to always pay off the card in full at the end of each month.

If you follow these four steps, you should be able to streamline your down payment savings process and start saving right now.




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