Christmas has come and the New Year is almost here.
Most people will eat too much, drink too much and in most cases will have spent too much. Luckily the New Year gives you the ability to start fresh, break old habits, and do the things that you say we are going to do.
Happy Financial New Year…yes that right, enough of the “I can’t afford it” or “it cost too much” excuses.
I’m sick of hearing about it. Year after year, month after month and day after day…it’s the same old cycle. It’s time to break the cycle and time to take some initiative!
Let’s face it most things don’t get cheaper as time goes on. It’s time for you to take control of your finances, be accountable for your spending habits and start the New Year with a Budget.
Most people cringe when they hear the word “budget” and more often than not, discussions of a establishing a budget flows in one ear and out the other.
However it doesn’t have to be so difficult, it is actually pretty simple. It can be as easy as taking an hour to sit down with your last 3-6 months of bank statements and figure out where your money goes. Figure out your housing costs (mortgage, property taxes, utilities), personal debt, vehicle costs, groceries, entertainment, clothing and miscellaneous expenses. By the way, Cable/Satellite TV and High Speed Internet are not utilities…they are entertainment.
I am sure you will be very surprised when you see where your money is going. It comes down to being committed and disciplined with your spending. Oh yeah, and you have to get your priorities straight.
So you now realize where your money goes and you still can’t see how you are going to get out of debt or afford those renovations.
This is where Focus Mortgage Solutions comes in. Believe it or not, we are equipped with the tools and the “know how” to help homeowners take back control. We don’t just get people mortgages to buy homes…we’ve got way more to offer!
In most cases, a simple refinance will do the trick. It can be sort of a “reset” on your finances. It can give you a breather so you can stand back and get back on track.
Do you have equity in your home? That $20,000.00 kitchen or driveway could be paid with equity.
Did you know in some cases by refinancing you could decrease the amortization (life) of your mortgage? Secure a lower rate? Free up cash flow? Tell me that doesn’t sound appealing to you.
Don’t get me wrong there are many factors when it comes to refinancing, and it is not always recommended.
However, it may be worth your time. Come on downs, enjoy a coffee, and speak with one of us to see if there are options for you.
And like always, our service is completely free to you…and so is the coffee.
All it costs is your time…time that could save you thousands of dollars and lift your financial stress right off your shoulders.
Happy Financial New Year!