Feel Good Fix – January 2016

Nowadays it’s nearly impossible not to feel overloaded, stressed out, or just simply like you have no time for yourself. There’s no time to stop, relax, take a break; but the everyday hustle can be detrimental to your mood (among other things). So, we’ve decided to help you find ways to improve your mood with our monthly Feel Good Fix! Think of it as a monthly homework assignment… for yourself. You can do it just one day out of the month, or every single day if you can. It’s all up to you and when you feel you need that extra boost of happiness.

Happy New Year!!!

Congratulations, you made it through the holidays! And we’re SURE that after a couple weeks of either visiting or hosting family and friends, you are all set up and ready to conquer the new year, right?! Yeah, didn’t think so. The holidays tend to be a stressful time of year, which is why our previous fixes were all about taking a break from the crazy. But this month’s fix is about taking action – this month, we want you to de-clutter!

The new year brings a sense of new beginnings and gives us an opportunity to re-evaluate how we want to live our lives. We make resolutions, we get motivated, we set out to make changes. One of the best things you can do before you begin anything is de-clutter and organize yourself for success. If your goal is to get in shape, organize your pantry and workout space. If you are looking to pay off some debt, then organize your finances. It also helps tremendously to do a general cleansing of your environment (home, office, car) to get a sense of preparedness. When things are a mess, you don’t feel ready – or motivated – to do the things that need to be done. Once things are in order, you have nothing left to do but tackle those lofty goals! Take the time this month to break down the necessary areas of importance and clean out the junk, organize, and plan – then get ready to make it a fantastic new year!

Our Path to Homeownership…

About a year ago my fiancée and I really started discussing homeownership. We had been dating for two years, we both lived with our respective families, and we felt that our age and the status of our relationship we were ready to take the big step of homeownership.

We did discuss whether renting or owning would be best for us, and we agreed home ownership was the way to go. We felt that if we were going to be paying in excess of $1,000 a month for where we lived, we best get some equity out of it! When renting, you never get to see any of that money again…

After talking about it, we really didn’t know where to begin. We both had already started working on our credit history to make it more favorable for lenders, but one of us is having trouble getting their score up. I can tell you that credit-wise, we have both been SAINTS since we started dating each other… But we both made the same mistakes in the past. Right out of high school and in college we didn’t know how to manage credit well and we put some seriously ugly blotches on our credit reports…

Fast forward to earlier this year… We were working (and struggling) to fix our credit history… but when it came to finances, we didn’t know where to start… We couldn’t seem to save money on a monthly basis. The money came. The money went. At the end of the month, we had no idea where our money went…

We were lucky enough to be told about a program called NACA. I will be posting a very thorough description about this program and the steps of the program soon. FOLLOW THIS BLOG SO THAT YOU DON’T MISS IT! Anywho. My fiancée and I started the NACA program in July. This program is not credit score based like almost all lenders. This program checks to make sure you can AFFORD to be a responsible homeowner.

My fiancée and I have learned how to budget and how to save money on a monthly basis. We have our eye on the house keys prize. So much so that I packed up two boxes worth of books, frames and a few other items from my bedroom. No, we have not begun house hunting yet… But I am planning on succeeding. I am planning on becoming a homeowner in 2014. I will accept nothing less. We are working hard for it, and I can’t wait!

For my future home