Posts Tagged ‘Everett’

Housing Hope – Everett, WA

March 2, 2012

Housing Hope of Everett, WA

A great example of a local company contributing to their Community!  Let’s help them out!Debbie Atwood Is Making A Splash In Snohomish County!

Housing Hope Gift Card Drive – March 1st thru March 31st, 2012.  8:00AM to 5:00PM  Monday-Friday

The Western Washington Medical Group Family Medicine is collecting gift cards and rolls of quarters for HOUSING HOPE OF EVERETT to help struggling families using emergency shelter and transitional housing or critical services.

Debbie Atwood Is Making A Splash In Snohomish County!
Help someone less fortunate than yourself!

 

Debbie Atwood Is Making A Splash In Snohomish County!

Who: Western Washington Medical Group
Location: Western Washingon Medical Group Family Medicine – 3rd Floor Family Medicine  Receptionist
Address: 12728 19th Avenue SE, Suite 300
Everett, WA 98208
Phone: 425-225-2755
Email: jgregerson@wwmedgroup.com
Website:www.wwmedgroup.com/centers/familyMedicine/
Cost: $10-$25 gift card

Debbie Atwood Is Making A Splash In Snohomish County!

(425) 750-4970

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Back To School!

August 24, 2010

alarm clock, bought from IKEA

Image via Wikipedia

It’s that time of year when we start thinking about back to school.  When this time of year rolls around I often have mixed feelings about it.  I realize that the summer season is coming to a close and the Pacific Northwest weather change is approaching quickly.  There is limited  “sleep in” mornings.  I come to terms that I will have to share that treasured time I’ve been able to spend with my daughter all summer with her school teacher and school activities schedule.  There is a realization that my pocket-book is going to take a hit with new school clothes and supplies.  My evenings are  spent doing homework and my baby is another year older!

On the other hand I look forward to the last day of summer vacation breakfast in bed I prepare for Tomi.  Just like the first day of summer vacation, Tomi enjoys breakfast in bed on the last day of summer vacation.

It’s fun to see her tastes and choices change through the years as we go clothes shopping  every summer. I remember a time when she didn’t care what clothes I purchased for her school year.  Have you gone shopping with a new 5th grader lately?

I look forward to the first morning when I hear the alarm clock in her room start singing and knowing that in about 10 minutes I will go in, turn it off and wake her.  Once she’s up though she will be ready quickly not being able to  wait to see which friends are in her new class and what is her teacher going to be like?  I also know those get ready quickly mornings are not going to last for long.  As the year progresses the 10 minute alarm intervals will increase. We will be grateful for those holiday’s off.

Even now, I anxiously await to hear all about her first day of school adventures.  She will be the oldest on campus this year.  Remember how it felt to be the big shots in school?  Everyone looked up to the 5th graders!   Yes, I will have the pleasure of hearing the funny stories, the drama stories and the “I already have homework” exclamations as she jumps into the car and we drive home.  My phone will be in “off” mode.   With the new school year will come new goals, new growth, new experiences, her last year of elementary school and eventually the first day of summer vacation!

Since my daughter is now a 5th grader I’m positive I will not be allowed out of the car, so I’ll see you in the parking lot!

To help you get ready for the 2010- 2011 school year I’ve included some local school district information.

Generic Back To School Supplies List (Check with your school district for specific lists)

Edmonds School District School begins September 7, 2010

Everett School District School begins September 8, 2010

Marysville School District School begins September 7, 2010

Lake Stevens School District School begins September 8, 2010

Granite Falls School District School begins September 8,  2010

Snohomish School District School begins September 8, 2010  (tentative? Education talks continue)

Monroe School District School begins September 1, 2010

Stanwood School District School begins September 2, 2010

Arlington School District School begins September 8, 2010

Mukilteo School District School begins September 1, 2010? (Education negotiations taking place)

Debbie Atwood is Making A Splash In Snohomish County!

Blue Grass Condominium Complex

August 18, 2010

Check out this new home just listed in the Blue Grass Condominium Complex in South Everett. A 2 bedroom unit with 2 assigned parking spaces and a great Clubhouse. The unit is clean and ready for its new homeowners.

2 bedroom 2 bath


Debbie Atwood is “Making A Splash In Snohomish County!”

The Average Family Caregiver

July 28, 2010

I recently came across an interesting article written by Gail Sheehy.  Sheehy is author of 16 books.  Her most recent, Passages in Caregiving: Turning Chaos Into Confidence, was published in May.

The article touched home with me and I wanted to share it with you.

Girls – take note and take care of yourselves!

Fifty is the gateway to the most liberating passage in a woman’s life.  Children are making test flights out of the nest.  Parents are expected to be roaming in their RV’s or sending postcards of themselves riding camels.  Free at last!  Women can graduate from the precarious balancing act between parenting and pursuit of a career.  Time to pursue your passion.  Climb mountains.  Run rapids.  Rediscover romance.  You have a whole Second Adulthood ahead of you!

That has been the message of my books since I wrote New Passages 15 years ago.  What I didn’t see coming was the Boomerang.

With parents living routinely into their 90’s, a second round of caregiving has become a predictable crisis for women in midlife.  Nearly 50 million Americans are taking care of an adult who used to be independent.  Yes, men represent about one third of family caregivers, but their participation is often at a distance and administrative.  Women do most of the hands-on care.  The average family caregiver today is a 48 -year-old woman who still has at least one child at home and holds down a paying job.

It starts with The Call.  It’s a call about a fall.  Your mom has had a stroke.  Or it’s a call about your dad–he’s run a red light and hit someone, again, but how are you ever going to persuade him to stop driving?  Or your husband’s doctor calls with news that your partner is reluctant to tell you: it’s cancer.

When that call came to me, I froze.  The shock plunges you into a whirlpool of fear, denial, and feverish action.  You search out doctors.  They don’t agree on the diagnosis.  You scavenge the Internet.  The side effects freak you out.  You call your brother or sister, hoping for help.  Old rivalries flare up.  You haunt the corridors of the hospital, always on duty to prevent mistakes.

It begins to dawn on you that your life is also radically changing.  This is a caregiving role that nobody applies for.  You don’t expect it.  You aren’t trained for it.  And, of course, you won’t be paid for it.  You probably won’t even identify yourself as a caregiver.  So many women tell me, “It’s just what we do.”

We’d like to think that siblings would be natural allies when parents falter.  In countless of my interviews with family caregivers, I hear the same stories:  Brothers bury their heads in the sand.  The farther away a sister lives, the more certain she will call the primary caregiver and tell her she doesn’t know what she’s doing.  A major 1996 study by Cornell and Louisiana State universities concluded that siblings are not just inherent rivals, but the greatest source of stress between human beings.

There are many rewards in giving back to a loved one.  and the short-term stress of mobilizing against the initial crisis jump-starts the body’s positive responses.  But this role is not a sprint.

It usually turns into a marathon, averaging almost five years.  Demands intensify.  Half of the family caregivers work full time.  Attention deficit is constant.  But most solitary caregivers who call hotlines like Family Caregiver Alliance wait until the third or fourth year before sending out the desperte cry: “I can’t do this anymore!”

The hyper-vigilant caregiver becomes exhausted, but can’t sleep.  Chronic stress turns on a steady flow of cortisol.  Too much cortisol shuts down the immune-cell response, leaving one less able to ward off infection.  Many recent clinical studies show that long-term caregivers are at high risk for sleep deprivation, immune system deficiency, depression, chroic anxiety, loss of concentration, and premature death.

Ailing elders seldom say thank you.  On the contrary, they often put up fierce resistance to the caregiver’s efforts.  “A major component of psychological stress that promotes later physical illness is not being appreciated for one’s devoted work,” explains Dr. Esther Sternberg, a stress researcher and author of The Balance Within: The Science Connecting Health and Emotions. She places caregivers at the same risk for burnout as nurses, teachers, and air-traffic controllers.

Once the solitary caregiver gets so stressed out emotionally that her own health declines, she can no longer provide the care.  The only option left is to place the family member in a nursing home- the last choice of everybody, the most expensive for taxpayers, and guaranteed to leave the  caregiver burdened with guilt.

It doesn’t have to be this way.  From hundreds of interviews with caregivers and my own experience of 17 years in the role, I can suggest some survival strategies:

Ideally, have the conversation with your siblings before the crisis with Mom and Dad.  Make it clear that you cannot do this alone.  If the crisis is already upon you, hold a family meeting–in person–but don’t set yourslef up as the boss.  Ask a neutral professional–your paren’t primary doctor or a social worker–to act as mediator.  Everone will be informed of the diagnosis and care plan at the same time.  Ask your siblings to come prepared with “What I can do best…” One may conribute money, another has more free time.  Everyone has to feel valued.

Download a free Internet-based care calendar that is totally private and can function as the family’s secretary, coordinating dates and tasks to be shared.

Join a support group.  Learn from veteran caregivers, who are eager to offer practical shortcuts and know instinctively what you need emotionally.  Regular exercise is vital to break the cycle of hyper vigilance and prepare the body for more refreshing sleep.  Ask for appointments for your physical check-ups or tests at the same time and place where you take your family member.

You must take at least one hour a day–but every day–to do something that gives you pleasure and refreshment.  Have a manicure.  Take a swim.  Call a friend for coffee.  Window-shop.  Try a yoga class.  All this allows your nervous system to reset.

You will also need longer breaks every few months.  Call your local Area Agency on Aging and ask where you can take your family member for a respite stay.  Rehab facilities often have some beds for the purpose.  Under Medicaid, the caregiver is entitled to three or four days away every 90 days.  Above all, do not fall into the trap of Playing God.  When the devoted caregiver comes to believe that she is responsible for saving a loved one’s life–often reinforced by the care recipient–any downturn will feel like a personal failure.  It’s not.  No mere human can control disease or aging.

When it becomes clear that your loved one does not have long to live, the caregiver who survives must begin the effort of coming back to life.  There is peril in remaining so attached to your declining loved one that you lose your “self.” Palliative care or hospice in invaluable to support and advise you on how to pace yourself at this stage.  Medicare or Medicaid will pay for a home health aide to stay with your loved one.

This is the time to replenish your emotional attachments.  Reach out for old friends, grandchildren, your church or temple.  Take a class at the local Y or community college.  Join a book club or a baseball league.  i know, I know, you’re too tired.  But meeting new people is a natural anti-dote to late-stage caregiving.  new attachments are a bridge to your new life.

You will be answering one of the most profound questions that trouble the dying: what will become of you when I leave you?  To see the caregiver joyful again can be a gift of relief.”

Written by Author Gail Sheehy.

Debbie Atwood Making A Splash In Snohomish County!

It’s Not Summer In Everett Without A Visit To Jetty Island!

July 21, 2010

Jetty Island

Summer is here and it’s not complete without a visit to the Everett Waterfront and Jetty Island! Jetty Island is a man-made island at the Everett Marina with sandy beaches and swim areas. It’s a great family outing.

The Everett Marina

See a schedule and contact information for Jetty Island

Driving directions to the Marina

On Sunday take a walk through the Farmers Market

The Farmers Market At The Everett Marina

and get your hands on some fresh local berries and vegetables. Local Crafter’s have their booths chalk full treasures. All summer enjoy the free concerts just outside The Port Gardner Inn and Lombardi’s- Sundays from 11AM- 4PM

Visit www.debbieatwood.com

Sellers! Make Your Price Adjustments And Get In The Game

October 27, 2009

PH00397

One of the most difficult things in my business today is to explain to my seller client the fact that our home values have fallen and unfortunately their home may not be worth what it used to be worth. I can go to my listing appointment with information in hand; facts from the MLS that show the recent sales of homes that are comparable to their home. It’s not an easy pill to swallow for anyone when looking at the facts. Let’s face it – our American Dollar isn’t worth what it USED to be worth either!

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Let’s look at the Closed Residential Sales in the Everett area

In September of 2008 the average sales price was $375,000.
In September of 2009 the average sales price was $321,024
In September of 2008 the Median sales price was $349,500
In September of 2009 the Median sales price was $302,150
In September of 2008 the Average Days on market was 79 days
In September of 2009 the Average Days on market was 91 days

We can look at the picture and think doom and gloom but what we fail to see is the positive side which is this:
In September of 2008 there were 133 homes sold/closed
In September of 2009 there were 166 homes sold/closed.

Check out this link to see the average interest rates for September 2008 and 2009.
money house
Remember that our market as always goes in cycles. Sellers need to determine if now is the time to sell and if it is then they need to get in the game and price their homes competitively at today’s market prices. It isn’t going to do the seller any good to over- price the home (2008 prices) in today’s market and have it sit there not even looked at by market savvy buyers. Interest rates ARE low and homes ARE selling when priced correctly. Banks ARE giving loans and homes ARE closing.
The hard truth is: If you as the seller, cannot afford to sell at today’s market prices – then you shouldn’t.

How Many Pairs Of Shoes Do You Own?

October 24, 2009

PH00650
Did you know that in the 1950’s the average woman in the U.S. had four pairs of shoes and today, it’s thirteen pairs? In 1970, the average size of a home was 1,400 sq ft. Today, it’s 2340 sq. ft. So, if more space and more clutter go hand in hand, even with that additional space, how can you get clutter under control?

Check out the following Tips

Pretend that you are moving. PH00487
It’s time to pare down. If you had to move, would you take it with you? Do you really need three hair dryers? Or what about all of those books; do you really need to keep all of them? Donate what you don’t need.

Keep only what you love.
Ask yourself, do you really have to keep it? If not, go ahead and get rid of it. Put more focus on using the things that bring you happiness.

The benefits of less.
Less stuff equals more time. With less stuff, there’s less to clean, organize and dust. With less stuff, your house looks uncluttered and cleaner. Let this motivate you.

Learn to love containers.
PH00685
Containers instantly add order to chaos, and are the secret weapon of organizers everywhere. Put all the kids’ shoes in a tub, the newspapers in a bucket, fingernail polish in a basket, and so on.

Everything in its place.
Yes, this is something your mother always said, but she was right. When everything has a place on a shelf, in a cabinet or in a bin, you’ll avoid counter clutter and junk-filled drawers. PH00646

Remember the two-year rule.
If you haven’t used something for two years, chances are you won’t use it again. This particularly applies to clothes.

Don’t get buried under sentimentality.
Sure, it’s nice to keep possessions you cherish, but do you really need your high school prom dress? If you are keeping your wedding dress, have it professionally boxed at a dry cleaners and put it in storage. And your childrens collection of stuffed animals? Keep one to pass on to the next generation, then donate the rest.

One in and one out.
If something new comes in the house, something old has to go out. This rule is pivotal to maintaining the simple, clutter-free existence you’ve worked so hard to achieve.

Maximize your storage.
There are all sorts of helpful items these days that help you make the most of small spaces. Ottomans with removable tops are the perfect place to store toys, board games or extra bedding. And under-bed baskets are great for storing large or awkward items.

Organize by bits.
It’s going to take awhile to go through your entire house – after all, it may have taken you up to twenty years to acquire all of your current clutter – so be easy on yourself and try not to attempt too much in one sitting. Start with one closet and give yourself a six hour limit.

What to do with your stuff

Donate to charity

justgive.org
goodwill.org

Sell it online

ebay.com
i-soldit.com
craigslist.org

Controlling The Paper Chase
If stacks of paper are overwhelming your kitchen counters, desktop and tabletops, here are a few quick ways to get them under control:
Have your recycle bin ready. When you bring in the mail, toss out the junk mail right away.

Read and route. When paperwork enters the house, read it and route it to the other appropriate family members.

Create in-baskets for everyone. Every family member gets one for signed permission slips, phone messages, bills, etc.

Keep a communal calendar. Post everyones schedule on one calendar, and keep all schedules and invites in a binder for backup.

Take bill paying online. You can receive and pay your bills on the Internet for a happy, paperless existence.

Make Yourself At Home.

Just moving in? Making yourself at home in your new surroundings is about more than unpacking. Below are a couple of organizational tips you can follow to make your new house your home.

Closet organizers. Before you put anything in your closets, if you have it in your budget, upgrade your closet systems.

Get a great garage. Once most people settle into their homes, its commonplace for their garages to become the catch-all storage area for anything and everything. Take the opportunity to establish a storage system in your garage right away, and in six months, you still might be able to park your car in there!

Safety first. Locate the closest police and fire stations as well as hospitals. Post emergency phone numbers near the phone. Make sure smoke alarms are installed and working. Is there a fire extinguisher? If not, purchase one and store it in an easily-accessed area.

Picture This

October 15, 2009

PH00765

You’re sitting at the kitchen table, pouring over your budget and bills, when you open your credit card bill to discover a $1200 charge you’re certain you never authorized. Someone’s taken your name and used it for their own purposes. You’ve been a victim of a growing crime and you didn’t know it until now.

Recently, I was a victim of identity theft. I’ve been going through the trauma and drama of this for 4 months now. Once you are hit it’s a burden in your life to get it straightened out.

What Is Identity Theft?

Identity theft occurs when someone uses your personal information without your permission to commit fraud or other crimes.

How To Avoid It?

According to the Federal Trade Commission (FTC) as many as 9 million Americans have their identities stolen each year. While it’s not always preventable, there are things you can do to help keep the odds in your favor.

Upon receiving your credit card and bank statements each month, take a close look to make sure that no unauthorized activities occurred.

Call your bank or credit card company if a statement is late. A missing bill could be an indication that identity theft has occurred or a thief has recently obtained your information. PH00770
Never give out personal information over email, the Internet or the phone unless you have initiated the contact. Identity thieves often pose as government officials, representative from the bank, credit card companies or Internet service providers in order to con you into revealing your personal information.

Use intricate passwords for your computer, email and Internet accounts. The best passwords use a combination of numbers, capital and lowercase letters. Never use something that can be easily guessed, like your maiden name, phone number or birth date, as a password.

Shred documents, like credit card receipts and insurance forms, that show your personal information before you dispose of them.
Don’t leave outgoing mail in your own mailbox. It’s incredibly easy for identity thieves to target mailboxes and pull bank numbers from checks, sensitive information from bills and a variety of other sensitive information. Instead, deposit mail directly into post office boxes.

Cancel credit cards that you don’t need or use. When canceling, tell the lender to make a note that the “card was canceled at the cardholder’s request.”

Keep your social Security card in a safe location – never keep it in your wallet or carry it around with you. Likewise, carry only the necessary ID and credit cards with you.

Only give out your Social Security number when it’s absolutely necessary. Ask if you can use a different form of identification instead.

How To Recognize Identity Theft

Your best defense is to be aware. When it comes to your financial information, stay alert and watch for these common signs of identity theft.

1. Bills arrive for a credit card account that you never opened. PH00414
2. Your credit card bills include charges you didn’t make
3. Be aware of late credit card statements that arrive after the payment due date.
4. Your bank statements contain unfamiliar transfers or withdrawls
5. You’ve ordered new checks, but they haven’t arrived at your house
6. Lenders deny your requests for credit despite previously having a good standing.

Preventative Measures

Here are several simple ways to combat the most common form of online identity theft:

Turn on the spam filters for your email inbox. This will help identify misleading emails attempting to “phish” for your password. Be suspicious of any email that asks you to respond with personal or account information.

Beware of scams by thieves posing as prominent companies. Double-check email addresses and website locations. Many times they have key words in them but otherwise appear unofficial.

Use PayPal when available. Companies like PayPal are strictly regulated and are accepted around the world, Utilize their services rather than credit cards to make purchases at web sites you are unsure of.

What Do I Do If I’m A Victim?

1. Report it
Contact the three major credit bureaus and ask them to pace a “fraud alert” on your file. Some services, such as Life Lock, will contact you ever time a new line of credit is requested to prevent unauthorized account activity. PH00360

Experian
Equifax
TransUnion

2. Close accounts

Contact the security departments of the creditors or financial institutions that have been fraudulently accessed or opened.

3. Call the police

File a report with your local police and the police where the fraud took place. Get a copy of the police report so that you can submit it to your bank or credit card company if they request proof of the crime.

4. Provide details

File a complaint with the FTC. They maintain a database of identity theft cases used by law enforcement agencies for investigations. Your complaint will also help the FTC learn more about identity theft and the problems that victims experience, which will help them better assist people in the future.

After following the procedures above, keep an eye on your accounts to watch for future misuse. change your routines to eliminate the security leak.

You Have To Sell Your House To Me – You Have No Rights

October 14, 2009

cut money

I received an offer on a short sale listing for a client of mine. My client, the homeowner, purchased this property 8 years ago. At our listing appointment he and his wife gave me a tour of the home, showing me all the upgrades they had put into the home over the years. They had pulled out the family photo album sitting in the drawer of the china hutch to show me pictures of his retirement party they had celebrated in the backyard 3 years ago. The home is beautiful and it is apparent the love and care they have put into the home. This wasn’t just a house to these people, it was a home. As we leafed through the album there were pictures of annual Christmas get-togethers, Thanksgiving dinners and many other happy memories with family and friends that had taken place in this home. As he closed the album with shaky hands he raised his reading glasses to his forehead. He looked at me and explained the day that had changed his and his wife’s lives.
Past Due
The shaky hands were pretty much a constant through my visit with my clients but it wasn’t because of nervousness or anything you might think. He had been diagnosed with an illness soon after his retirement and now was in the failing stages of his life. Through the course of his medical care, insurance covered some but not all of his expenses. They had taken a second mortgage to help pay the remainder costs. They both had taken retiree type jobs to make ends meet in the past 2 years and now that his medical condition has worsened he’s not able to continue with the job. His wife still goes to work in the evenings and their daughter comes over during the day to help care for him. Behind on mortgage payments and unable to qualify for a loan modification the time has come to try to sell the home in a last effort to avoid foreclosure.

The home is aggressively priced for a short sale and after about 3 weeks an offer has come in. An unrealistic offer in my homeowners opinion. When asked for my opinion, I concur. My client counters the buyers offer and the exchange of opinions begin!

Since the time the short sale market has begun it has been a common misconception of many buyers and their agents and brokers that a seller does not have the right to NOT accept a buyers offer – no matter what that offer is! I received a phone call from the buyers agent and then another call from the agents broker informing me that my sellers by law had to present this buyers offer to the bank and that only the bank could decide if they would accept this offer. The agents broker decided it would be a good idea for his agent to call the bank and let the bank know that the seller was not presenting their offer.
Bank
I’m sure you can imagine how this made my homeowners feel. The key word in that last sentence being HOMEOWNERS. I can tell you that yes, this agent did call the bank and no, the bank would not even speak to the agent or the buyer, who also decided to call the bank.

So what is a short sale? question-mark

The borrower/homeowner has run into financial difficulties or a hardship. They are unable to make their mortgage payments and are facing a foreclosure in the near future. They still own their home at this point. They have in most cases defaulted on their mortgage payments and are unable to sell their property for the amount owed on their mortgage. They owe more than the current market will bear. In this case a borrower will list their home for sale at present market value and submit that offer to their lien holder and propose a short sale. The lien holder at that time will review the offer, the current market values in the area of the property along with other financial information and the borrowers hardship circumstances to determine if the they will accept the lower payoff of the mortgage. The lien holder, knowing that there is a high probability that they will be foreclosing on the property will determine if a short sale is in their best interest versus a foreclosure which in most cases will be more costly for the lien holder. Once the house has been foreclosed on – the lien holder is the seller. During a short sale – the borrower is the seller.

The concept of what a short sale is, is pretty simple. The actual process of a short sale is not so simple. You can learn more about short sales at Debbie Atwood Is Making A Splash In Snohomish County!

Where Do We Go After The Foreclosure?

October 12, 2009

Hanging Lizard

We don’t hear much in the news about what happens in life after foreclosure. But for many it is continued nights of unrest and concern. While going through the process homeowners are treated rudely and disrespected in many ways, yet many foreclosures are the result of some catostrophe that has taken place in the homeowners life. A death of a loved one, a major illness, unemployment or divorce. Add to this a difficult real estate market and you find these are common events that can lead to loss of a home.

For many the problems have just begun. In real life a foreclosure can cut the family out of the rental market because landlords are skeptical to rent to a family that has just gone through foreclosure. Many families have lost their homes because of unemployment and find that while applying for new employment employers will check credit. Foreclosure on a credit record can keep them out of the rankings for that particular job. The consequences are many and can be deep.

What should be done when faced with foreclosure
Beginning the process of rebuilding your credit should be started immediately. When you know that foreclosure is in your near future it is imperative that you begin to save as much money as possible. In many cases you are probably going to be faced with larger rent deposits and for the recently foreclosed cash on hand can be a problem. money ladder

Rent –Consider that you should not pay more than 25% -28% of your income on rent. Your rent should be the first thing you pay each month. Your payment history will be a huge factor when you do apply for a new home mortgage in the future.

Credit Cards- If you have credit card debt- work on reducing it. If you can afford to have a credit card then be sure to make these payments a priority and keep your balances paid off monthly. Financial advisers suggest to keep your charges below 30% of your credit limit. Make every effort to avoid balances. A common mistake consumers will make is to close their credit accounts in the attempt to raise their credit score. This attempt can actually make your score lower!

Other Credit– Pay on time. Finances may be tight but by paying your bills within 30 days your credit report will show a positive rating. Don’t let 30 days go by without paying your bill.

Payroll Taxes Be sure to review your deductions. If you are receiving a refund each year, change this. It doesn’t make sense to save money through the Government when you could be using it today to get back on your feet!

Savings– Begin a savings account and put something in it every month. Even small amounts will build up! Have a goal to save 3 months of expenses saved. Before you know it you will have a down payment saved for your future home. Your savings account is the beginning of accumulating your new assets and will be reviewed when you apply for that new home in the future.

New Credit– Begin new credit carefully and slowly. Eventually you will be offered new credit but determine if you really need those. Keeping up on the above items can build a very strong credit history without taking on additional responsibility that you probably don’t need.

There is a life after foreclosure and the future will look bright again!

sunset


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