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Get Your Finances in Order: To-Do List

Get Your Finances in Order: To-Do List 1. Develop a household budget. Instead of creating a budget of what you’d like to spend, use receipts to create a budget that reflects your actual spending habits over the last several months. This approach will factor in unexpected expenses, such as car repairs, as well as predictable costs such as rent, utility bills, and groceries. 2. Reduce your debt. Lenders generally look for a total debt load of no more than 36 percent of income. This figure includes your mortgage, which typically ranges between 25 and 28 percent of your net household income. So you need to get monthly payments on the rest of your installment debt — car loans, student loans, and revolving balances on credit cards — down to between 8 and 10 percent of your net monthly income. 3. Look for ways to save. You probably know how much you spend on rent and utilities, but little expenses add up, too. Try writing down everything you spend for one month. You’ll probably sp...
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Open Houses do they work?

I recently read an article and the author was VERY adamant that open houses did not work.  I think Open Houses do work if done correctly and "worked" like any other real estate SYSTEM. I have been in the real estate industry now for over 25 years.  I calculate that I must have held at least 2 open houses a month for at least 15 of those years.  That calculates to be 360 open houses.  With an average of 5 visitors per open house =1800 new prospects.  Now what I don't know is the conversion rate of those 1800 prospects. When I first started out, I did not have any kind of a business plan or system in place for tracking my business.  What I do know is that I would rather sit at an open house than sitting in an office "waiting and hoping" for the phones to ring.  Over the past few years, the prospects that I have found via open houses have been my main source of business. I would be interested in hearing what is your main source of new prospects. D...
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A Small Town with "Big Flavor"

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Continuing on our tour of the county our next stop is at the northern end of the Myrtle Beach area at a town called Loris. LORIS QUICK FACTS: 23 miles from the coast of South Carolina 7 miles  from the North Carolina state line Loris was incorporated on July 26, 1902 The annual Bog-Off Festival attracts approximately 25,000 people. Loris began as a railroad town serving the lumber industry in the late 1880's and became the first town in the state to have its own newspaper, high school, bank, telephone system and doctor.  Today, the revitalized downtown area offers shopping, dining and southern hospitality.  Enjoy the local farmers market. For more information about Loris and homes for sale in the area call or email me. Sue Lucas Broker Associate Re/Max Southern Shores 843-997-4595 www.suelucas.com   sl1586@sccoast.net Facebook
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