#50 Your Happy New Year is up to You!
It is so tempting to launch
into the New Year with enthusiastic “resolutions” that often come to ... well,
not much! Right on the heels of “...making
a list and checking it twice, gonna find out who’s been naughty or nice...” come
promises, promises, promises!
How about considering
something new? How about trying the
softer, more manageable, more attainable path of planning, considering and
intending! Resolve is part of any sensible plan, of
course, but it can sometimes feel like setting hardline goals implying daunting
effort!
From my perspective as a
professional home mortgage loan officer, I see two very important New Year
perspectives for new homeowners and wannabe homeowners! Either scenario invites many planning and
“intentions” opportunities.
In one case, you may be a
person who has been thinking about -- and seriously considering – starting the
process toward buying a home of your own...but. And, maybe, this New Year is the year to
convert all that dreaming and speculation into action! Isn’t it time to make some follow-through
commitments?
On the other hand, maybe you
recently realized your dream of home ownership, and spent the December holidays
celebrating! You were finally in your
home with all i’s dotted and t’s crossed.
It was quite an adventure; it took a lot of work, it was time
consuming. You learned facts about the
advantages of home ownership and you acquired new insights concerning the
importance of sound financial planning and money management. There were some
“mysteries” involving credit and the critical differences between earnings,
income and assets that became clearer as they relate to acquiring a home.
Either of the above scenarios
easily presents rich opportunities and possibilities for reasonable New Year
planning – and good intentions! (OK! Resolutions!)
If you are that person who is
gladly and finally in your new home, it’s certainly OK to relax, breathe easy
and feel that special pride of ownership.
But, make no mistake; the responsibilities have only just begun! That’s not a negative, but it is a serious
reality. You now have a considerable and
valuable asset to maintain, protect and enhance – as well as to enjoy. Now
it’s time to address that other list!
Yes, there is one; you made
it along the way, throughout the acquisition process. Remember those things that you decided could
wait until “after?” Well, “after” is
here. And, now, once the fun and festivities
calm down, it’s the right time to bring out that after list and do some
strategizing. Trust me, it is also the
perfect set-up for procrastination! There
are rationales a-plenty for giving yourself a break and for putting things
off. What things? I could make a list for you, but I’d rather
leave that up to you, and instead, suggest a strategy or two. Get into Calendar mode; realistically plan
for one or two items from the “after list” to be tackled each month. You might have to modify as your year unfolds,
but at least you will have given yourself some guidelines that took seasons and
other important factors into consideration as you plotted your plan.
What about that other
situation? You may be that individual who has been
thinking and considering and dreaming – and putting off the big decision to
start the process of acquiring a home mortgage loan for buying your own
home! What better plan to launch as the
New Year begins than that of just buckling down and really finding out what’s
possible? Remember, contacting a home
mortgage loan specialist and getting some preliminary information and guidance
is basically just an investment of time!
You may have inaccurate information concerning the path to that loan
possibility. You may believe you could
not qualify. How about giving yourself the
gift of accurate information!
I look forward to a New Year
full of opportunities – and I wish the same for you!
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