Posted by Marie Presti on 6/17/2018

If you’re finding that your finances are a bit tighter these days, you might need to adjust your budget a bit. Have you ever thought about alternatives in helping you to pay your mortgage? There’s a few things that you might be able to do in your home to save a few bucks and be more comfortable with your budget and finances. 


Share The Space


This might sound crazy, but it works for many people. If you’re willing to share your living space with others, it could help you to make a dent in your mortgage. This works especially well if you have a home with a separate entrance like an in-law apartment or something similar. 


Make Adjustments To Your Expenses


There are many different costs that come along with owning a home. If you reduce some of these expenses, you’ll be able to cut your overall spending. You don’t need to completely adjust your entire way of living to do this. Some ideas:


  • Cut the cord on cable and install streaming devices
  • Go on a family cell phone plan
  • Skip the gym membership
  • Use public transportation
  • Cook at home instead of eating out
  • Use coupons


Put Tax Refunds To Good Use


If you normally get a tax refund, you can apply that money to your mortgage instead of using it to buy something else. You could also adjust your withholdings. This would allow you to get a bit more money in your paycheck each week. You’ll get less of a refund during tax time, but the extra money may help you to pay down bills throughout the year. 


Pay More Towards The Principal 


To make the most of your hard-earned savings, use your money wisely and pay down the mortgage faster. Just be sure that there’s no penalty for a prepayment of the loan. You can either make an extra loan payment each month or you can pay a bit over what you owe on the mortgage each month. If you pay the mortgage faster, you’ll save potentially thousands of dollars in interest over the life of the loan. You’ll need to check with your mortgage company to see what their process is for paying more towards the principal of the loan. Keep in mind that the first few years‘ worth of your mortgage payments will be going towards interest unless you specify extra payments to go elsewhere.


Whether you’d like a little more of a financial cushion or are just looking to get rid of all those pesky monthly bills, it’s never a bad idea to focus on paying your mortgage down as quickly as possible.




Tags: mortgage   finances  
Categories: Uncategorized  


Posted by Marie Presti on 6/13/2018


17 Hays Rd, Waltham, MA 02453

South Waltham

Single-Family

$1,149,000
Price

9
Rooms
4
Beds
2/1
Full/Half Baths
This is the home you've been waiting for! Large young 4 br 2.5 ba colonial in a quiet neighborhood near Brandeis on a cul de sac. Two story dramatic foyer, open floor plan for kitchen/family room/breakfast area, 2 propane fireplaces, sliders to the backyard with a large concrete stamped patio and firepit. Upstairs offers 3 large bedrooms with large closets and a master bedroom with his/her walk in closets and a master bath that is stunning with cathedral ceilings and tiled shower and jacuzzi tub. Large and Tall finished basement with fireplace and wetbar. All newly painted and ready for you to move in. Heated 2 car garage with custom workbench a few steps to the kitchen. Backyard shed. Only a 5 minute drive to route 128/95 and 7 minute walk to Brandeis commuter rail to Boston. High efficiency furnace less than a year old and 2 year old roof. Did we forget to say owner owned SOLAR PANELS? Minimal electric bills estimated annual savings of $4K and SREC credits of $9K over 3 yrs.
Open House
Friday
June 15 at 12:00 PM to 1:30 PM
More Open Houses
Cannot make the Open Houses?
Location: 17 Hays Rd, Waltham, MA 02453    Get Directions

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Categories: New Homes  


Posted by Marie Presti on 6/13/2018


17 Hays Rd, Waltham, MA 02453

South Waltham

Single-Family

$1,149,000
Price

9
Rooms
4
Beds
2/1
Full/Half Baths
This is the home you've been waiting for! Large young 4 br 2.5 ba colonial in a quiet neighborhood near Brandeis on a cul de sac. Two story dramatic foyer, open floor plan for kitchen/family room/breakfast area, 2 propane fireplaces, sliders to the backyard with a large concrete stamped patio and firepit. Upstairs offers 3 large bedrooms with large closets and a master bedroom with his/her walk in closets and a master bath that is stunning with cathedral ceilings and tiled shower and jacuzzi tub. Large and Tall finished basement with fireplace and wetbar. All newly painted and ready for you to move in. Heated 2 car garage with custom workbench a few steps to the kitchen. Backyard shed. Only a 5 minute drive to route 128/95 and 7 minute walk to Brandeis commuter rail to Boston. High efficiency furnace less than a year old and 2 year old roof. Did we forget to say owner owned SOLAR PANELS? Minimal electric bills estimated annual savings of $4K and SREC credits of $9K over 3 yrs.
Open House
Friday
June 15 at 12:00 PM to 1:30 PM
More Open Houses
Cannot make the Open Houses?
Location: 17 Hays Rd, Waltham, MA 02453    Get Directions

Similar Properties





Categories: Open House  


Posted by Marie Presti on 6/13/2018


17 Hays Rd, Waltham, MA 02453

South Waltham

Single-Family

$1,149,000
Price

9
Rooms
4
Beds
2/1
Full/Half Baths
This is the home you've been waiting for! Large young 4 br 2.5 ba colonial in a quiet neighborhood near Brandeis on a cul de sac. Two story dramatic foyer, open floor plan for kitchen/family room/breakfast area, 2 propane fireplaces, sliders to the backyard with a large concrete stamped patio and firepit. Upstairs offers 3 large bedrooms with large closets and a master bedroom with his/her walk in closets and a master bath that is stunning with cathedral ceilings and tiled shower and jacuzzi tub. Large and Tall finished basement with fireplace and wetbar. All newly painted and ready for you to move in. Heated 2 car garage with custom workbench a few steps to the kitchen. Backyard shed. Only a 5 minute drive to route 128/95 and 7 minute walk to Brandeis commuter rail to Boston. High efficiency furnace less than a year old and 2 year old roof. Did we forget to say owner owned SOLAR PANELS? Minimal electric bills estimated annual savings of $4K and SREC credits of $9K over 3 yrs.
Open House
Friday
June 15 at 12:00 PM to 1:30 PM
More Open Houses
Cannot make the Open Houses?
Location: 17 Hays Rd, Waltham, MA 02453    Get Directions

Similar Properties





Categories: Open House  


Posted by Marie Presti on 6/13/2018


17 Hays Rd, Waltham, MA 02453

South Waltham

Single-Family

$1,149,000
Price

9
Rooms
4
Beds
2/1
Full/Half Baths
This is the home you've been waiting for! Large young 4 br 2.5 ba colonial in a quiet neighborhood near Brandeis on a cul de sac. Two story dramatic foyer, open floor plan for kitchen/family room/breakfast area, 2 propane fireplaces, sliders to the backyard with a large concrete stamped patio and firepit. Upstairs offers 3 large bedrooms with large closets and a master bedroom with his/her walk in closets and a master bath that is stunning with cathedral ceilings and tiled shower and jacuzzi tub. Large and Tall finished basement with fireplace and wetbar. All newly painted and ready for you to move in. Heated 2 car garage with custom workbench a few steps to the kitchen. Backyard shed. Only a 5 minute drive to route 128/95 and 7 minute walk to Brandeis commuter rail to Boston. High efficiency furnace less than a year old and 2 year old roof. Did we forget to say owner owned SOLAR PANELS? Minimal electric bills estimated annual savings of $4K and SREC credits of $9K over 3 yrs.
Open House
Friday
June 15 at 12:00 PM to 1:30 PM
More Open Houses
Cannot make the Open Houses?
Location: 17 Hays Rd, Waltham, MA 02453    Get Directions

Similar Properties





Categories: Open House