Money is the root of many people’s stress and anxiety and it’s also the cause of many fights. But it doesn’t have to be for you. You may own a home now, but it doesn’t mean you should stop saving or that saving has to be a difficult undertaking.

Ideally you already have a robust emergency fund—this type of account is suggested by financial experts to have even before paying down ‘good’ debt such as student loans. This account is extremely important as you never know when or if that “rainy day” will come. The suggested amount to have in an emergency fund is six to nine months’ worth of income—and to be on the higher end if you own a home and have children. For instance, if you take home $3,000 a month, you should have $18,000 to $27,000 in your emergency fund. You should also consider whether it’s best to keep these funds in a regular savings account or a money market account.

Now that we’ve covered the importance of an emergency fund,let’s discuss how to keep saving—whether you are saving just to save or saving for a vacation, new car, or that fancy grill you’ve been eyeing.

Automatic deposit from primary income: If you aren’t doing this already then you should be. Automatic deposit is the easiest way to save money. Many places of employment offer this option, and if not your financial institution will. Automatically depositing money into a savings account (separate of the rest of your income) will force you to save. And if your place of employment offers this option then that money will never enter your checking account—out of sight, out of mind. If you must use your financial institution then have the automatic transfer occur on the day you are paid so the money is almost like it was never there for spending. Of course, this will be an adjustment if you are used to living off that money, especially if you just purchased a home. However, you can start small and work your way to a larger amount such as when you receive a raise or have other forms of incoming income.

Automatic transfer from checking to savings: Many financial institutions offer the ability to automatically transfer funds between your checking account and savings account each time you use your debit card. If your bank does not offer this opportunity there are apps for your phone that can easily connect to your online bank accounts and do the work for you. It’s a great way to save a small amount of money each time you swipe your card. And depending on how often you use your debit card, those savings could add up quickly. For example, you spend $25.33 at the grocery store and use your debit card to pay. Your bank (or app) will round that number up to $26.00 and transfer .67 into your account of choice. It’s too easy not to participate!

There are many other ways to be a better saver, but it’s best to start simple and small. Overwhelming yourself with how much you need/want to save and with many ways of saving, might cause the opposite to happen. Remember, you have a house to pay for and all the other expenses that come with it. Be conscious of your financial situation and be diligent with your savings strategy and you’ll be on the road to being a savings master.


Date: 04/23/2017 Time: 12:00 PM to 2:00 PM  
For Directions: feel free to contact me.  
For more information: click here for the full details  

Beautifully maintained colonial on expansive corner lot in sought-after Connelly Hill Estates. Bright & sunny open floor plan with gleaming hardwoods on first & second floors. The spacious kitchen is truly a chef’s kitchen with Viking appliances and granite counters, featuring an eat-in area w/ slider to deck overlooking expansive private backyard. The welcoming family room features gas fireplace with mantel, built-in’s and a wall of windows. Front-to-back living/dining room is beautifully appointed w/ wainscoting, half wall, pillars and tray ceiling. Spacious master suite features gas fireplace, 2 walk-in closet, master bath w/ heated flooring, double vanity, tiled shower & jacuzzi. 3 large bedrooms, 2 full baths, laundry room and study round out the 2nd floor. Large finished walk out basement offers 1393 sf flex space, ½ bath and slider to backyard. Details abound in this spacious colonial including plantation shutters on all windows & solar panels – this house has it all!

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Date: 04/23/2017 Time: 12:00 PM to 2:00 PM  
For Directions: feel free to contact me.  
For more information: click here for the full details  

ONLY TWO UNITS LEFT! Welcome to DAVENPORT VILLAGE, Hopkinton’s most desireable and most intimate TownHome development. This 18 unit development is nestled in the woods off Hayden Rowe and offers exceptional curb appeal and quality amenities in two great floor plans. TWO MASTER SUITES, hardwood floors, granite counters, stainless appliances, two car attached garage, and expansion potential of a full basement. Located just down the road from a walking/biking trails, this home is also a commuter’s dream–just minutes from Route 495! Call today to make your reservation.

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Date: 04/23/2017 Time: 12:00 PM to 2:00 PM  
For Directions: feel free to contact me.  
For more information: click here for the full details  

ONLY TWO UNITS LEFT! 2842 square feet of gorgeous space with TWO MASTER SUITES! Welcome to DAVENPORT VILLAGE, Hopkinton’s most desireable and most intimate TownHome development. This 18 unit development is nestled in the woods off Hayden Rowe and offers exceptional curb appeal and quality amenities in two great floor plans. Hardwood floors, granite counters, stainless appliances, two car attached garage, and expansion potential of a full basement. Located just down the road from a walking/biking trails, this home is also a commuter’s dream–just minutes from Route 495! Early to mid 2016 delivery. Call today to make your reservation.

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