What is a short sale? This is when a home sells for less than the mortgage loan balance. All short sales are subject to the current lender's approval. Approval
Ten Ways to Save Money During the Holidays
No matter what holiday we celebrate, we can all use some help keeping costs to a reasonable limit. Here are ten tips:
Decide how much you can spend.
One of the biggest mistakes is haphazardly spending….Set a limit on spending and then budget around that.
Make a list and check it twice
Now that you know your spending power, Start your list of expenditures and start prioritizing. What is most important? Food? Gifts? Charities? Prioritize, then decide the budget.
This is the best way to keep track of holiday spending. Put aside a certain amount of cash and see if you are able to keep within that one set pile of money.
Keep track of your credit card spending
Use the card that offers the lowest interest rate. A good idea is to track your credit card spending just as you would if you were writing a check. Remember: It’s really easy to spend and not keep track. Stay aware of your spending.
Baking can save you a bundle on gifts and when you wrap it nicely with a note saying that it was baked with love…… Well, it’ll melt their hearts
The gift of your time
You know what your family and close friends need. Maybe you would like to give them a coupon for: A free babysitting, a day of gardening, house cleaning, sewing, stacking fire wood, dog-sitting for a vacation, etc.
Ditch the cards – Send Emails
Why go through the costly process of getting a family photo and printing cards, labeling them and paying for postage. It’s a lot of work, not to mention money. Create a form email and then just personalize it for each person on your list. Attach a few photos of the summer vacation. You’ll be giving the gift of thinking enough to write them their own personal note during the busy holiday season.
Limit the toys
When a child has to select one or two toys that mean the most to them, it makes the choice far more meaningful. They need to weigh the benefits of each toy.
As we get older, we find that we have everything we need. Trinkets and knick-knacks seem to be less attractive and take up space. However, if you know that someone likes a specific wine or jellies or candles or something that they can actually use and then disappear, they might be far more appreciated than a “World’s Best Golfer” Trophy or something.
The season is about being together and appreciating each other. Instead of a costly gift exchange of polyester ties and fruit cakes, how about a get-away and do a little skiing and just be together.
Looking to buy a home? Looking to sell a home? Call me! 914-819-6591
Shaun's focus is on residential real estate in Fairfield, Westchester, Putnam, Dutchess and the surrounding counties. Licensed in New York and Connecticut, Shaun is also Commercial and Investment Rea....
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