2015-Begin Your Changes Now

A lot of people make resolutions for the new year. They plan to make great improvements to their health, career, or spiritual lives, beginning on January 1st.
Then there are other people who refuse to make a resolution at all because they believe that nothing will change.

The first step to creating any lasting change is to begin. If a goal is really important to you, you don't need to wait until a specific day to begin it. Begin it now.
At the very least, you can prepare yourself for the changes you plan to make beginning January 1st.

Whatever your goals are, there are ways to prepare for them today.

If you are looking to make a career move:

• Create a new resume and cover letter.
• Look up jobs online for potential new positions.
• Post your resume on job boards.
• Buy a new interview suit.
• Sign up for a class to improve your marketable skills.

Looking to get in shape:

• Research health and nutrition information online or at the library.
•  Find a plan that you believe you can stick with.
• Create meal plans for the month of January.
• Sign up for the gym before the January rush, or buy 2-3 new workout dvds.
• Write a list of all of the reasons you want to get healthy.
• Look up success stories online.

Want to save money:

• Create a budget for the next six months.
• Open a savings account.
• Look up coupons to help you save money.

Whatever you want to do, please do not wait until January 1st to begin it. If you start taking steps now, it will give you momentum. When January 1st rolls around, you will be well on your way to accomplishing your goals!

What are your resolutions for  2015? What can you do now to get started?

Guest Post--5 Tips for First-Time Home Buyers

 

Buying a home for the first time can be an intimidating process. There are appraisals to get, money to put in escrow, talk of "points," and so many "what if"s that could derail the whole process.  It can be overwhelming.

Learning what you can about the process before you begin can make it a little easier to navigate. Here are 5 tips to keep in mind if you are looking to become a first-time homebuyer:

Start Saving

No matter what kind of financing you're able to secure, you're going to need a lot of money to buy a home. Of course, there's the down payment, which can range from 3 percent to the traditional 20 percent. However, a lot more buyers are qualifying for 100 percent financing. Even if you don't have to pay a down payment, there's still the matter of closing costs, any repairs your new home might need, and all the other extras that come along with moving into a new place. Save as much as you can before you start shopping for your new home.

Use a Real Estate Agent

The process of buying a home can be complex and confusing for first-time buyers. Working with a real-estate agent can make the process a breeze. The agent can advise you on how to make the offer (including how much to offer), what the next steps in the process are, what professionals to use to close the deal, and so on. A good real-estate agent can be like your personal assistant in the buying process.

Compare Lenders

When you're ready to start shopping, you need to secure financing. However, you shouldn't settle for the first bank that offers you a mortgage. Be sure to compare lenders to make sure you get the best rate and the best terms. You could save yourself thousands of dollars over the life of your loan.

Shop Around

Once you have the financing, it's time to shop around for homes. Make sure you look at several homes and don't just fall in love with the first one you see. Even if you end up buying the first one you see, make sure you look at several other homes to get a real feel for what's available and to make sure you're getting the best price.

Negotiate

When you find your dream home, get ready to negotiate. You should never offer what the seller is asking. In addition to negotiating the sales price of the home, you can also negotiate any repairs or improvements that you want done, as well as payment of some of the closing costs. A real-estate agent can give you advice on handling these negotiations for the best outcome.

Don't let the process of buying your first home overwhelm or intimidate you. Use these simple tips to make the process easier and more accessible, and you'll be a pro in no time!

Carmen Guzlas is a writer and manager for Movoto.com, where she has recently been researching Boston Homes. In her spare time, Carmen enjoys gardening and making homemade soap.

Money Links

Here are some stories on money, ways to save, companies hiring now,  and some overall interesting things to think about.

Surprising jobs with a $100,000 salary that only require a two-year degree

5 Uncommon ways to save 

Medical Tourism, is it worth it?  

25 companies that are now hiring  

Your freezer can save you money

Macy's suing Martha Stewart  

Things you should rent instead of buy