As always I like to start the week off right with some words of Motivation…
“Stars Can’t Shine Without Darkness”
We all experience hard times in our lives… However, it is overcoming those hard times, that allows us to develop the strength we need to become the person we know we truly want to become! No matter what, always keep pushing!
BUT here is an AWESOME clip to put it all into prospective, I LOVE THIS:
Have an amazing day and week!
I hope you had a great weekend! As always I like to start the week off right with some words of motivation…
“When You Arise In The Morning, Think Of What a Precious Privilege It Is To Be Alive… To Breathe… To Think… To Enjoy… To Love.” Marcus Aurelius
OMG!!! How much I love this qoute!!!! I have learn to believe in it more and more in the past few years!!! It is so easy in our life to get caught up with all the noise, to get caught up in comparison, and so on, and just as easy to forget to remember all the amazing gifts in our lives that we are truly blessed to have. Remember to take a little time each day to recognize those blessings we have in our lives!
I am fully guilty of it!
As much as I have come to recognize and fully believe in this idea, that we are so truly blessed to just be on this earth and have a shot at living this life, and hopefully living it well, whatever your definition of that is. But I still catch myself many times taking it for granted and I have to bring myself back, and I thank GOD for each morning, and each day that I get to be here and do something worth while.
If you are reading this, and have a roof over your head, maybe a coffee in your hand, a family who loves you, or friends who care about you, clothes on your back, water and food…. YOU, my friend, are already SUPER PRIVILEGED and extremely blessed, do enjoy every breath you take, embrace every moment, smile, hug, and kiss all the people who matter in your life….and hey, why not, from time to time, give a hug to a complete stranger and tell them they are super lucky and blessed to be here :)))
I hope you have an amazing day and week!
You know that I am always on the look out to help save your hard earned money. Well here is some info I received from one of my lenders: ” a recent study showed that on average, people who use credit cards spend a third more than people who don’t.”
So if you spent a third less, it would be like getting a 33% raise. And I don’t know about you, but if I got a 33% raise, I would be ALL IN, in fact I am all in! Let me explain.
We have been victims of our own demise when it comes to this credit card thing. We have been using credit cards even when we didn’t need to and got in pretty deep. As you know, I am very transparent on these things, as I want to help you as well, I have to tell you the truth 🙂 So, we have been pretty close to maxed out on our 4 credit cards and paying about $600 per month in INTEREST CHARGES alone!!!! That is just disgusting, ridiculous, and outrageous!!! While preparing ourselves for the tax season and going through all of our expenses, we discovered how much money we were throwing out the window, on average, we were paying 22% in interest charges on these cards!!! This is aside from the fact, that as it states above, we are probably spending more than we should since we are using credit cards, and this is why….
“The study went on to say that the reason credit card users spend more money is because when they pay by credit card, it doesn’t feel like real money.” I thought about that statement for a bit and discovered it applies to me too; somehow it doesn’t feel like real money when I use my credit card, the pain isn’t as real, at least not until I see the statement and the crazy high interest fees.
So we have decided to pay off almost all of the balances, as much as we could pay off and we are on our way to reverse this crazy outrageous cycle. Now, I understand not everyone will have the funds to do this right away, for us it was just good timing as we just wrapped up our first flip project (see previous blog posts) and used some of profit from that to pay these down (arguably not necessarily the best option, as there were other possibly better options, but we will discuss those later or call me/comment below if you are curious what those might be).
So our goal is to not use any more credit cards, except one, to earn the miles it offers. BUT, even this strategy can get you right back into trouble, so we agreed to try it for 1 month, and if we can pay back every charge we put on it IMMEDIATELY! then we will continue to use it, otherwise we are going to a cash based lifestyle (not actual physical cash, but debit cards 🙂
So I have a simple challenge for you… I say “simple” because the “real” challenge would be that you follow Dave Ramsey’s advice “start paying all your credit cards off, starting with the smallest balance first and move on from there, cut up all your cards, NEVER use them again, and watch your savings grow, and then start buying rental properties with those savings, etc…” but I know that is not an easy task, therefore, I will leave that for another day or leave it up to your request, whenever you are ready, I will be happy to help with that as well (this is VERY IMPORTANT … if you decide to go that route, DO NOT CLOSE your credit cards because it could impact your credit in a negative way, CALL ME or your lender and ask for help before you do anything like that)
So the simple challenge for you, if you accept:
Let’s try for 1 whole week not to use a single credit card. I know you may think, ‘there is no way I could do that’. But my response to you is, if your boss told you that you would get a 33% raise if you didn’t use your credit card for a week, would you do it? Just a simple idea, let’s just try it for one single week.
Speaking of saving 33%, my lender also told me that he met with one of our clients for their yearly mortgage review and was able to lower their total monthly payments by $153. Now that may not seem like much, but get this, they structured the deal so they will have their home paid off 12 years early! This will save them an additional $97,456 dollars in wasted interest payments. In turn, they will be able to retire about 4-5 years sooner than originally planned. So my question for you today is this – what would you do with $97,456?
If you want to find out more or to see if this would work for you, CALL ME or your lender to set up your mortgage review soon and we can see how this strategy could apply to you. Don’t forget to ask about no closing cost loan programs that can be applied to either purchases or refinances.
So this week I have two challenges for you. First, take my challenge to save you 33% of your income by using cash instead of credit cards for 1 week. Second, let’s see if the strategy to lower your monthly mortgage payment AND pay off your house sooner could work for you.
AND AS ALWASY your referrals mean the world to me, so if you know anyone who is looking to buy or sell a home this year, I will be honored to help them 🙂
I’m looking forward to talking with you soon!
Have an amazing rest of the week!
Your FULL TIME Realtor and Friend
602-516-5360 Always Open 🙂
I’m sure you love BBQ’s, so I wanted to share something I believe to be the most delicious and tasty hamburger EVER!!!
As you know, I’m always here to watch your back, not only REALTOR but your friend for life 🙂 And friend is that, who can’t share such amazing deliciousness??? So I’m going to give you a tip today that is going to make you famous in the BBQ world… (or at least with your friends and family).
I can’t tell you that I have personally tested dozens of recipes because I HAVE NOT. I stole this from somewhere else, but once I tested it, it was clear this is a winner! Make this easy recipe and you will be a hero to your hungry herd!
With this amazing recipe, you simply mix all the ingredients together and then separate into 4-6 patties. Then you put them on your hot grill for 5 minutes each side, or until done to your taste. I promise this will produce the best hamburger you have ever had!
Now I know some of you will say, yeah sure, I’ll just make them like I always do. Well you’ll really be missing out! I know I kind of stepped away from our normal topics with this week’s tip, but for those of you who actually try this, well…you’ll understand why. I am sure you will forward this recipe to all of your family and friends.
By the way, when you want to do your friends another favor, let them know I am here to help any time they are buying or selling a house, or are feeling a cash pinch and need to look at options to lower their current monthly payments.
Just shoot me a quick email or give me a quick call with their information and I will contact them to give them great solutions and honest, helpful answers. They will thank you for it, I promise you!
Oh, and let me know how you like this recipe after you’ve tried it, even though I already know the answer. Now go get your ingredients together and get ready to make the world’s best hamburger ever!!! You are going to love these. Have a great BBQ!
World’s Best Hamburger Recipe:
– 1 1/2 pounds lean ground beef(or you can use ground chicken or turkey)
– 1/2 onion, finely chopped
– 1/2 cup shredded Colby or Monterey Jack cheese
– 1 teaspoon soy sauce
– 1 teaspoon Worcestershire sauce
– 1 egg
– 1 (1 ounce) envelope dry onion soup mix
– 1 clove garlic, minced
– 1 tablespoon garlic powder
– 1 teaspoon dried parsley
– 1 teaspoon dried basil
– 1 teaspoon dried oregano
– 1/2 teaspoon crushed dried rosemary
– salt and pepper to taste
1. Preheat a grill for high heat.
2. In a large bowl, mix together all ingredients. Form into 4-6 patties. Grill patties for 5 minutes per side on the hot grill, or until well done. Serve on buns with your favorite condiments. Enjoy!