Money experts recommend having an emergency fund, however, that is easier said than done. You will want to have at least three to six months of living expenses in your emergency fund. Here are some tips on how to get there:

Determine how much you need                                                                                               Calculate how much you spend each month. Add up your rent/mortgage, car payments, insurance, food and utilities. This will give you an idea of how much you will need to save.

Start small
If you find it hard to save, start by saving small amounts. Even if you only saved $20 per week for one year, you would increase your savings account by $1040.00

Have achievable goals                                                                                                                     Start with a small goal and gradually work towards a larger one. Set your initial goal of one month’s savings and build upon that. If you start small and make savings a habit it will be easier to save.

Make it automatic                                                                                                                           Set up automatic contributions to your savings account. Move a specified amount of money to your savings account through direct deposit. If you do this you may not even miss the money.

Watch where your money goes                                                                                                 Keep track of how much money you spend. Calculate your spending average and try to spend less. Another great way to save is to find areas where you can cut back.

What are some of your best tips for saving money?

 

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Mashpee, MA:

This Single-Family in Mashpee, MA recently sold for $318,000.

This is a Cape/Expandable style home and features 6 total rooms, 3 full baths, 1 half bath, 3 bedrooms, 0.40 acres, and was sold by
Kriss Stevens & Scott Manley – CENTURY 21 Cobb Real Estate

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If your credit score could use a boost it isn’t as simple as just changing bad financial behaviors. Increasing your credit score is a process that takes time. The time it takes to improve your credit history can vary.

Late payments can remain on your credit report for seven years, but typically if you clear all past-due debts and pay on time from then on, your score can begin to recover quickly.

One late payment doesn’t hurt you that much but a pattern of bad payments will really hurt you.  If you have a few late payments continue to use credit and pay on time every time. Demonstrate that you are managing your fiances well and your scores will begin to climb.

If you have suffered a bankruptcy the effects can be long-lasting. According to myFico.com, a Chapter 13 bankruptcy can linger for seven to more than 10 years on your report. A Chapter 7 bankruptcy, or total liquidation, can affect your record for 10 years.

It is vital to constantly monitor your credit report and review it for accuracy. You can obtain your report for free once every twelve months from annualcreditreport.com.

Independent studies have confirmed that deploying particular scents in a home for sale can dramatically increase the home’s appeal to a potential buyer.  With that being said, what is the best way to go about changing your home’s “scentmosphere”?

1. – The Friend Test – Often times, we get used to particular scents in our home, so much so that we don’t even notice that they’re there.  Litter boxes, old couches, bathrooms, and bedrooms can all breed their own “scentmosphere”, and some can be more noticeable and offensive than others.  Have a friend come over and, well…..Smell your home.    Your friend doesn’t live in your home.  They can pick up on things that you may not be able to, like the smell of dirty laundry, a musty-smelling finished basement, or a well-lived-in bedroom.  These “other person” smells can turn off a buyer in a heartbeat.  If you are a smoker, then stop smoking inside while your house is on the market.  Keep children’s rooms tidy and clean-smelling.

2. – Kitchen Comfort – There are many scents that can be utilized in the kitchen to make it more appealing.  Candles, lemon wedges chopped up into a garbage disposal, cinnamon sticks in the oven, and fresh-cut flowers can be utilized for this purpose. Some people swear by citrus scents, others by baked goods, but it really boils down to personal preference.  Lavender has been shown to produce a calming effect, and fruit scents like apples and peaches can carry classier undertones.

3. – Subtlety is key.  You want a noticeable “scentmosphere”, but not one that is overpowering.  Pick your scents accordingly.  If you overdo it, people may think you’re trying too hard to cover something up.  Remember that because we breathe, we smell things constantly.  Each individual smell shouldn’t be strong enough to cover multiple rooms in your house.  You don’t want your entire downstairs to smell like the cinnamon you have in the kitchen.  Likewise, a fresh lemon scent all over the entire house can make it seem like there are smells that will creep into the “scentmosphere” once the lemon scents wear off.  Less is more.

 

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