Wayland, MA:

This Condo in Wayland, MA recently sold for $443,000.

This is a Townhouse style home and features 6 total rooms, 3 full baths, 1 half bath, 3 bedrooms, and was sold by
Janet Laughead – CENTURY 21 Commonwealth

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Holiday hosting can be fun but it can also wreak havoc on your bank account. Some studies have shown that holiday revelers plan to spend an average of $1,100 on food, gifts, and entertainment during the season.

There are ways to scale back the costs of holiday entertaining without losing any of the cheer:

• Have a plan – Decide what events you will be hosting and attending. Once you have figured this out make a list of exactly what you will need to provide. To get an idea of how much things will cost look through your old bank statements to get a rough figure on how much you spent in the past.

• Create a budget – Create a budget for what you can realistically afford and don’t forget to include incidentals like host/hostess gifts. If you’re hosting the holiday party this year, understanding the true cost of things will help you decide whether to throw a smaller intimate dinner party or a big soiree.

• Be creative in cutting costs – Hosting doesn’t have to break the bank, consider having a potluck dinner. If you are a guest and searching for a gift to bring the host, consider making a gift or bringing an inexpensive addition to the party table.

• Start saving now – Every bit counts so if you don’t have a lot of money to save, start small, and it will add up. Check the store flyers for deals and coupons and don’t forget to use your grocery store savings cards.

Everyone knows about coupons for everyday products we buy but did you know there are ways to save at places like the home improvement store, clothing stores and restaurants? Beyond the sales and promotions that these places have from time to time, there are websites that have extra savings waiting for you!

Many of the couponing websites have daily or weekly emails you can subscribe to that have links of the best deals on the web. From coupons to restaurants, to online offers at places like Shutterfly, there is always something waiting for you to save on. Two great emails with valueable resourses are the ones from www.couponmom.com and www.coupondivas.com. Check them out!

There are variety of websites out there that can help you save on the web. www.slickdeals.net has any item you can imagine for some great prices; www.nomorerack.com has everything from clothing to jewelry to home furnishings, all at insane prices; and www.shopathome.com has coupon codes you can use for online shopping to save just like you had a coupon in store.

One of the best ways to get emails full of savings is to sign up with your favorite store’s website. You will not only be notified with the lastest sale, but you will get exclusive coupon savings. Even some places, like Target, have weekly texts with coupions you can use on a variety of items, as well as coupons you can print from their website.

Finally, using your reward points from those credits cards can help cut down on costs as well. Since most awards you get get with your points take tens of thousands of points, why not redeem your points for a giftcard instead? They usually start out at 2,000 points and cane help you cut the cost of that new sweater or Saturday night date night.

Paying full price on purchases is not a necessity. No matter that your favorite store is, or how you like to shop, with all the options out there to save, what are you waiting for?!

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The housing market may be in recovery and some analysts are predicting that mortgage rates will be heading upward. In that case, and in any case prospective, current home seekers as well as homeowners are always looking to lock into the lowest interest rate possible.

Here are some tips to help home buyers shop for the best rate:

Before you call your lender and ask for the best rate you need to know two things:

1. The number of points you want to pay.

2. The length of time you want to lock in the rate.

Knowing what you are planning on doing with your home and how long you intend to stay there will give you a baseline for comparison of rates.

Don’t just call any old lender advertising the lowest rates. As not all real estate professionals are alike, neither are lenders. You need a reliable lender who will not try to trick you into a lower rate only to change the rate on you later.

The best way to find a lender is through a referral.  Once you have found a lender you will want to shop around for a few more. Make sure to be up front with everyone, and be consistent. Call them all on the same day and provide the same information to everyone.

The interest rate is not the only fee to consider when borrowing money to buy a house. Be sure to ask about all the additional fees associated with the loan.

For more information check out the Truth in Lending Act.

 

 

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