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Getting Your Financial House in Order

As we’ve seen in 2020, you can expect the unexpected! And no one could have predicted this year and its impact on all of us.

It’s been a wake-up call in many ways.  That’s why taking a look at your financial “house” – where it’s at and where it’s heading – is more important than ever.

You’ve most likely seen some people weather uncertainty better than others, especially those who plan and prepare in advance for possible scenarios. Both the good and bad.

And if you’ve set some goals – like buying your first home, moving to another location or a bigger home while paying for daycare and saving for college all at the same time – having your finances in order with a plan of action can help you reach that goal.

If you’ve been sidetracked these last few months or have felt some financial strain due to COVID’s impact on your job or the overall economy, you can find a way to move forward to get you where you want to be on a timeline that works for you.

Feeling the Squeeze

Even in pre-COVID days, feeling like you don’t have enough money can make you delay your homeownership goals. You may think you can’t buy a home AND meet the financial costs or needs of all the other stuff going on in your life.

Here’s what we hear from our clients –

  • Want to buy their first home BUT – feel like they don’t make enough money to start saving for their own home and everything else. They feel squeezed since they also may want to travel since they don’t have kids yet, want to eat out at restaurants and enjoy the social scene more, or may want to treat themselves to new clothes or that new Apple watch. Even if they are renting with roommates and watching their cash flow, they’re not sure how much to save and how to get to the point where buying a home is possible.
  • Want to buy their next home BUT — feel overwhelmed with so many other responsibilities that saving enough money for a move-up home seems like too much at the moment. These homeowners are juggling kids, dealing with daycare costs, saving for college, putting money in their retirement account, paying for house projects, and then everything else like vacations, eating out, work and life in general. Whew!

Not Enough to Do Everything

No matter what stage you are at, you may feel exactly like this. And it’s important to point out that your home is just one piece of your financial puzzle. And making more money isn’t always the answer, since that can come with more expenses and a wish for a more expensive home with a larger mortgage.

Where do you start? How can you do it all?

Is there a way you can make sure your finances are on track so that you can save enough for a home and then have enough to cover other important goals and needs?

Start a Plan of Action

It’s understandable if you feel a bit confused on how to create a financial plan that meets your future goals and also takes into account today’s wants and needs in your life.

Making sure you’ve got the savings you need for right now and for the future, plus enough extra to do the things you want to do to have the life you want is important, but it can all sometimes feel overwhelming!

What should you save for first?  A home or retirement, for example?  What about things like long-term care insurance and a will?  When should estate planning become a priority?

Here at Dwell Residential, we are a big believer in diversifying, protecting your assets, saving for the future, and having a great life right now.

But, how and when can you do it all financially, especially when money feels tight?

The good news is that we’ve teamed up with one of our clients who has figured it out and is now willing to show you too.

You Can Do It Too

We couldn’t be more proud or impressed with Lauren, a client who we helped buy her first home over a decade ago when she was a single mom with a young daughter to support.

She bought a small home that wasn’t perfect, but “perfect enough” in one of the best school districts in the area so her daughter would have good education.

Over the next decade, she learned how to squeeze the pennies out of every dollar and built a financial nest egg big enough to save for retirement, send her daughter to college, and even have enough left over to enjoy her life every step of the way.

She’s so passionate about helping others do the same and feel like they can have it all, that she switched careers and became a financial planner. She loves to help people who don’t think they have enough money save for every part of life.

She’s offered to hold a FREE ONLINE WEBINAR to help you get your financial house in order, no matter what your finances look like right now.

So here’s an opportunity to learn from someone who has lived it and reached her financial goals and then some. You can do it too!

Steps to Your Financial Success

In Lauren’s webinar, she’ll cover a wide range of topics that can steer you in the right direction. As we’ve said, now more than ever, getting your financial house in order and coming up with a plan of action is important. We encourage you to take advantage of her free presentation.

Here’s what will be covered:

  • First, she’ll show you how you can assess your current financial situation, including how to manage debt by knowing what to pay off first, what debt to keep, little ways to save more, and even what paperwork to keep, what to toss and when to toss it so you can take full advantage of tax benefits
  • How to save for retirement including what big buckets you need to save for and when, how to pay yourself first, how to create short- and long-term goals to stay on track, and even how to create income from your hobbies!
  • How to protect your investments—what insurance you need throughout different times in your life and when to start thinking about things like long-term care insurance, disability insurance, making sure you have enough property insurance and life insurance.
  • Estate planning—when should you have a will?

Lauren is sharing everything she’s done and everything she now helps clients do to save enough money for a home, pay off debt, save for retirement, protect the financial house you’ve built, and preserve it for future generations.

This online webinar is FREE and you can access it from home on Wednesday, August 19th at 12 noon. 

We’ll be there and hope you’ll join us! Sign up today…just click here.

This 45-minute lunchtime webinar will be jam packed with advice on how to get your financial house in order, no matter what your goals are, how much money you have, or how much debt you have. You’ll learn Lauren’s secrets for financial success so you can become an expert about your own finances.

Sign up today and we’ll see you next week on the webinar!