Food for thought. Make sure that your savings goals are framed in a positive way, not negative. “I will save to buy a home” is positive “I will not spend money” is negative Focusing on the positive takes pain away from spending less money. In this case, you set your sights on the joys of…

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With Thanksgiving and Black Friday next week, I thought I’d touch on the gift giving season. It’s hard not to be swept up in the ever-increasing commercialization of the holidays. Personally, it feels like the holidays often boil down to scheduling chaos, overspending on gifts, and not enough time spent reflecting on what truly matters…

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Mortgage rates have dropped in the last month to the lowest rates since 2016 (see chart below). At the same time, many homeowners have seen their home value increase over the last few years. Now could be an advantageous time to refinance your mortgage to pay down debt, renovate your house, get rid of PMI,…

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vacation home

It’s summer time. And that means vacations. Families feel the draw of buying a 2nd home while they’re on vacation. On the trip to Florida, couples may think, “Wouldn’t it be great if we had a beach house?” Before you dig into the financials of buying a 2nd home, here are the top non-financial questions…

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It’s the most wonderful time of year.  That time when you gather with family, celebrate the holidays, and dust the cobwebs off your old budget.  But, seriously, I love this time of year.  We are looking into the new year and trying to guess/dream/figure out what we’d like to accomplish in 2019. Vision is the…

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