The following was posted on MyFirstBoiseHome.com. I felt that this information is so important in helping you save money, I have re-posted for you folks.
Real Estate looks a little different today than it did 5 years ago. We’ve seen some good times and we’ve seen some not so good times in real estate but the name of the game is adapting. We can all say we specialize in something but what we need to specialize in is what our clients and prospective clients need. And when I say specialize I mean be proficient, very proficient.
Once again, how much is enough? How much square footage does a person REALLY need? How many rooms in a house are full of “stuff?”Home buyers are trending towards smaller homes and down-sizing their personal fleet of vehicles from four to two. More and more realtors are blogging about these exact trends. Builders are re-thinking their futures and moving towards building 2,000 square feet homes, as opposed to 5,000 square feet.
When I was growing up my dad would cash his pay check, bring it home and put divide it up by putting it in envelopes. Each envelope was to represent a bill that needed to be paid. This was one generation from putting money in a set of jars, with each jar committed to a bill.
On the other extreme I have talked to some people of the younger generations who keep a rough running total in their head. For some reason the vast majority of these people are overdrawn on their checking, for reasons they cannot understand.
In my junior and senior year of high school we had a special class on budgeting. It included a handwritten a ledger. We had to keep a running total of outgoing and incoming money. Today, I use a little easier method of tracking our family finances; it is called Quicken.
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