Four Strategies for Saving Money

When you stop and think about it, there are quite a few money-saving opportunities out there that you may not be taking advantage of.

Here are a few ideas worth considering:

  • Automobile Insurance: If you haven’t touched base with your insurance agent in a few years, it might pay to call or email them to review your policy. Until you ask, you never know what kind of insurance discounts you may be eligible for. For example, savings can often be obtained by taking a defensive drivers’ course, purchasing your automobile and homeowners’ insurance from one agency, commuting a shorter distance to work or telecommuting, or simply having a safe driving record. In some cases, you could save a chunk of money by shopping around and switching to a less expensive insurance provider.
  • Cell phone services: Make sure the cell phone service plan you have is competitive and geared to your needs and data usage patterns. With at least four major service providers to choose from (Sprint, AT&T, Verizon, and T-Mobile), it make sense to do some comparative research to make informed choices regarding prices, features, time commitments, and services. Checking out online reviews and comparing notes with friends, family, and coworkers about cell phone services can also help you save money.
  • Credit cards: If you’re like many people, you probably get inundated with credit card offers, every week. Since it’s such a competitive industry, some credit card offers are clearly better than others. While the most prudent approach is to limit your credit card use as much as possible, it also makes sense to seek out the best deals, the lowest interest rates, and the most favorable terms. Assuming your credit card payments are up to date and you’ve maintained a good credit history, it’s often possible to negotiate a lower interest rate on your current credit cards, too. That alone could make it easier to pay off your balance and save money.
  • Contractors: Whether you’re considering remodeling your bathroom, replacing your roof, updating your kitchen, painting or re-siding your house, waterproofing your basement, or building a backyard deck, prices can vary widely from one contractor to the next. While it’s important to hire a contractor who’s experienced, honest, insured, easy to work with, and dependable, there’s no reason to pay exorbitant prices for good quality work. Getting at least three price estimates on projects around the house is generally a good way to ensure you’re not getting overcharged. Online reviews and personal recommendations from relatives, friends, and neighbors can often point you in the direction of a good residential contractor.

One of the most important principles of smart money management is to make sure you’re getting the most value for your dollar. As a consumer, you entitled to shop around, get the best deal, and be satisfied with the quality of products and services you’re purchasing.

Open house on 6/25/2017 at 76 Old Orchard Road Sherborn, MA 01770


Date: 06/25/2017 Time: 12:00 PM to 1:30 PM  
For Directions: feel free to contact me.  
For more information: click here for the full details  

This beautifully remodeled and expanded Colonial offers incredible value and is located in one of Sherborn’s coveted neighborhoods, on a rare parcel with conservation land bordering two sides, and conveniently located for easy commute. Large foyer with paneled wainscoting and turned staircase. French doors lead to front-to-back living room w/fireplace, recessed lighting and bay window. Huge office/library addition has built-in bookcases, cabinets quietly located off LR. Crisp, updated kitchen with stainless app and granite counters, opens to inviting family room with vaulted ceiling, skylights, wood burning fireplace insert and step-down sunroom/dining area with floor to ceiling windows. Upstairs master suite has spacious bath with separate large tub and shower, a sitting room, and walk in closet and laundry area. Big backyard w/brick patio, gorgeous outcropping and perennial gardens. New 2016 roof. Updated natural gas heat. HW throughout. Fin. bsmt with workbench/storage area.

Selling Your Home With Less Stress

Even though most of the details of selling your home are usually handled by other people — hopefully competent professionals — it still can be a stressful experience.

Major life changes are a “mixed bag” when it comes to the effect they have on your mental equilibrium. On one hand, change can open up new doors of opportunity and give you a fresh lease on life. On the other hand, it forces you to step out of your comfort zone and deal with the element of unpredictability.

While every situation is different and there’s no panacea for the stress that accompanies life transitions, here are a few strategies that will help make the road less bumpy.

  • Choose an experienced real estate agent or Realtor who will provide the guidance, day-to-day support, and expertise you need to avoid many of the pitfalls and frustrations of selling a house. If you know you’re in good hands, you’ll have less of a tendency to worry about how things are going. The ideal real estate agent will instill confidence in you, provide you with regular progress reports, and do everything they can to make sure the sales process and other logistics keep moving forward and staying on track. They’ll also provide you with good advice on how to effectively stage your home to improve its marketability.
  • Go with the flow. Accept the fact that you’ll need to keep your home immaculately clean, every day, to make the best possible impression on prospective buyers. There are also plenty of other tasks and challenges you’ll have to deal with along the way. Sometimes it helps to remind yourself of the famous serenity prayer written by American theologian Reinhold Niebuhr back in the 1930’s: “Grant me the serenity to accept the things I cannot change, courage to change the things I can, and wisdom to know the difference.”
  • Get enough sleep every night: Nothing undermines one’s coping ability, patience, and resourcefulness more than struggling against a sleep deficit. Getting enough sleep, which is somewhere in the neighborhood of eight hours a night, is more crucial to one’s physical and mental well-being than many people realize. When you prioritize getting a full night’s sleep, you’ll generally be able to think more clearly, keep setbacks in their proper perspective, and do a better job of rolling with the changes.

Exercising, meditating, and hanging out with supportive friends and family are other methods of helping to keep your stress level manageable while navigating the challenges of getting your house sold and moving on with your life. While it’s not necessary to continually look at the world through “rose-colored glasses,” it is always beneficial to cultivate an optimistic state of mind as you wait for the right house buyer to come along.