Tracey Fiorelli
Janice Mitchell Real Estate, Inc | 508-509-8162 | [email protected]


Posted by Tracey Fiorelli on 6/29/2020


141 PLEASANTDALE RD, Rutland, MA 01543

Condo

$399,900
Price

6
Rooms
2
Beds
2
Baths
Rare New construction Opportunity Available offering Townhouse living on Demond Pond with waterview and water access . Open floor plan with plank style flooring on the 1st floor , granite counters in the kitchen with generous appliance allowance, soft close cabinets with a variety of finish options/colors. 1st floor master suite with walk in closet and private bath with double vanity and walk in shower. 2nd floor offers an additional bedroom and loft Both with wall to wall carpeting . Lower level is a full walk out with the option to finish. Sits back from the road To maximize views of Demond Pond And privacy Many custom options available
Open House
No scheduled Open Houses






Tags: 01543   Condo   Real estate   Rutland  
Categories: New Homes  


Posted by Tracey Fiorelli on 6/27/2020

If budgeting isnít your thing, youíll be glad to discover that itís quite simple. Thereís a way to categorize your spending and save money easily. If you learn the rule, it will become so automatic that you wonít even think about it. If youíre saving money for a home, this practice will be essential. Break your budget down into three categories: 


  • Living expenses
  • Financial goals
  • Personal spending


Half of your budget should go towards living expenses. This number includes all of the essentials like rent or mortgage, utilities, groceries, commute costs, and insurances. 


20 percent of your income should go towards other financial goals like savings, investments, or paying down debt. Credit card bills, student loans, and other bills would fall under this category. This category is also where youíd save for your down payment, closing costs, and other expenses. This percentage can be adjustable depending on how much debt you have or how much you need to save for retirement. 


The remaining 30 percent of your income can go towards personal spending. This category includes everything that you use your money for but isnít a necessity. This percentage is also flexible. If your lifestyle doesnít require you to use all 30 percent each month, you can indeed save more money.


A Clear Plan 


These categories simplify your budget. Even if you make some adjustments to the numbers, the outline truly makes budgeting easy even for the most scatterbrained among us. It allows you to see where your money goes clearly. It also works no matter what kind of living situation you have.


The great thing about this budgeting plan is that you have some future needs built into it. Many times, when we budget, we think of our immediate needs and our shorter term goals. Saving for any occasion can never happen too early. You are able to not only focus on your current goals and the future.   



Steps


First, determine your monthly income. This number is how much money you take home after taxes. From here, youíll be able to split your money into categories by percentages. If your income fluctuates frequently, youíll need to take an average of your monthly income to determine your numbers. 


Next, you should take a look at your spending habits. These include everything from your morning latte to your monthly rent payment. From here you can make adjustments. Perhaps you need to look for a less expensive apartment. Maybe you need to cut down your weekly pizza to a bi-monthly purchase. Whatever you see in your finances, a simple percentage rule gives you the tools you need to become a saver and be well on your way to the purchase of your first home.     





Tags: budgeting   saving money  
Categories: Uncategorized  


Posted by Tracey Fiorelli on 6/22/2020


65 RIVER ST, Holden, MA 01520

Single-Family

$389,900
Price

11
Rooms
4
Beds
2/1
Full/Half Baths
Sprawling ranch style home featuring recently updated dine in kitchen ,breakfast bar, custom built cabinets with soft close feature, Open to formal dining room with bay window on one of (2) fireplaces , large family room with cathedral ceilings & French doors Most of the home has beautiful hardwood floors. Private master suite with (2) closets, full bath & skylight maximizing the natural light , additional 3 Spacious bedrooms & 2nd full bath make this home ideal . Beautiful freshly painted 3 season room over looking wooded yard and composite deck spanning the back side of the home . Separate mud room with outside access as well and Finished lower level with 2nd fireplace make a great playroom . Unfinished space Has a separate workshop with plenty of space for your weekend hobbies. Exterior is nicely maintained with mature trees and manicured yard .
Open House
No scheduled Open Houses

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Categories: New Homes  


Posted by Tracey Fiorelli on 6/20/2020

Once you buy a home, you realize that every penny of your budget matters. The initial purchase of a house can be financially overwhelming. Youíll be withdrawing thousands of dollars from your account to secure the home. Once you close on the house, itís time to buckle down on your budget. Continue reading for some tips on how to do just that.


Food Spending


For most people, food spending is one of the biggest things that suck the life out of their budget. Whether youíre getting take out three times a week or spending massive amounts at the grocery store, itís time to take a serious look at your food spending.


Shop With A Plan


If you head to the grocery store with a plan in mind, your shopping trip will be more successful and less expensive. Many people are unsure of what they have in their cabinets and fridge, let alone what to make for dinner. Make a list of meals to have for the week. Then, see what you need to complete those recipes in your kitchen and pantry. Itís also a good idea to stock your pantry with essentials when sales are going on.        


Supermarket ads can also be incredibly useful. You might have to store hop on a weekly basis, but shopping with the sales can save you a lot of money in the long term. 


Look At Your Credit Card Statements


Are you being charged for a monthly gym membership that you donít ever make use of? You can do one of two things: Start going to the gym or cancel out your membership and begin a daily jogging routine. Look at your cable bill and any other monthly subscriptions that you have. See where you can cut back. Are premium movie channels a necessity? Itís easy to forget what weíre being charged for on a monthly basis if we donít look at our bank and card statements. 


Cut Luxuries


Maybe in your life before becoming a homeowner, you went for a weekly massage or had a monthly housecleaning service. You can still have these luxuries, but they may need to be less often or less extensive. For example, a significant portion of time during maid service is spent loading the dishwasher or cleaning pots and pans. You can clean up after yourself and your family each night following dinner and cut back on the amount of time a maid would need to spend in your home. The cleaning person also now will have more time to spend on other things in the house that need attention. 


You can keep your massage; it may just have to be bi-weekly or monthly. Get creative to still have the things you want in your budget without going overboard.    




Categories: Uncategorized  


Posted by Tracey Fiorelli on 6/18/2020


183 WOODRIDGE ROAD, Holden, MA 01520

Single-Family

$589,900
Price

11
Rooms
4
Beds
2/1
Full/Half Baths
WOW ! This home has it all . Front farmers porch welcomes you into the Foyer with hardwood floors and open staircase , cabinet packed kitchen with granite counters, large island , additional work space, fully appliances ,dine in area open to front to back family room with cathedral ceilings & gas fireplace. Spacious formal dining room plus Open formal living Room and separate office . 2nd floor offers (3) large bedrooms Plus spacious master suite with cathedral ceilings, hardwood floors, walk in closet and master bath with walk in tile shower . Lower level is fully finished with mud room complete with built ins and open exercise and game room . French doors leads to cobblestone patio and level yard framed with mature trees ideal for entertaining plus large composite deck off kitchen competing your outdoor living space. Lovely neighborhood setting and easy access to major routes MUST SEE
Open House
Saturday
June 20 at 10:00 AM to 2:00 PM
Appointments required
Cannot make the Open Houses?
Location: 183 WOODRIDGE ROAD, Holden, MA 01520    Get Directions

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Categories: Open House