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Resolve to Take Control of Your Finances This Year - Part 1

At the beginning of every year, we all make resolutions that typically fall by the wayside come Valentine’s Day. How many of us have said that this year we’re going to lose 10 pounds, or this year we will volunteer more? The problem with goals is that we often do not lay out a plan for achieving them. We merely set them, pat ourselves on the back, and inevitably fail. They become overwhelming in light of our lack of planning.
 
Well the first step in taking control your finances is pretty basic and sounds obvious, but tons of people don’t do it. You need to SET and FOLLOW a budget. I know this task seems daunting (not to mention boring), but it is so worth it. Instead of wondering where your money goes each month, track it.
 
You can get started by perusing your past three months of credit card and bank statements. I know that we don’t want to admit how much we spend at Starbucks or how many times we use the drive-thru window, but you need to know where you spend your money. You need to make sure that you not overextending your self. Once you have tracked your habits, you can begin to set limits and parameters for your spending. Make sure to give yourself some discretionary money to use as you please. You don’t want to make your budget so restrictive that you can’t possibly follow it. All of this work will pay off in that you will be able to start working towards long-term goals like saving for a home or new car, or maybe taking a long awaited vacation.
 
Think of your budget as more a lifestyle shift than a diet. You are being conscientious and responsible, but you’re certainly allowed to splurge sometimes.
 
We work so hard that we owe it ourselves to make our goals realities. We just have to break those goals down into manageable steps.

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Expertise isn’t just about knowing the market—it’s about dedication to every client’s unique goals. At Nectar Real Estate, we pride ourselves on our ability to combine deep local knowledge with an unwavering commitment to providing exceptional service.