36 Camino De Los Pueblitos (Plactias, New Mexico)

Pastoral Setting in the Village of Placitas. Enjoy what Placitas is all about with this Rastra built, Energy Eff. Northern NM style Home. Wood Window, Open Gourmet style Kitchen, Granite & B. Block tops, Custom Cabs, Clay Walls, Stained Concrete over efficient in-floor Rad Heat. Spacious Open Loft of 1000 sf open to Great Room below. 2nd Floor Deck overlooks the verdant grounds featuring 1 full acre fenced, a natural spring, flagstone patio and 1000 sf detached gar/ w-shop. Must See. SORRY NO PETS

36 Camino De Los Pueblitos
Placitas, NM 87043



Rent: $650/month
Application Fee: $45
Security Deposit: $1,000
Bedrooms: 4
Baths: 3
Sq Ft: 3230
Acres: 1.0
Click for More Details

 
www.HomesInTransition.com

Creating a Realistic Budget - Conclusion

Budgeting -- ooh, what a scary word! If you want to frighten someone whose finances are out of control, suggest that they tally up their expenses on a piece of paper. We all understand the value of such an exercise, but when it comes to the practicality of putting a budget together, we get cold feet. Budgeting doesn't have to be so painful, when you have a systematic series of steps to follow.

Visit if Tip 1, Tip 2, Tip 3, Tip 4 and Tip 5 if you have not yet read it.

WHAT'S THE VERDICT?
So, comparing income to expenses, how does it look? If you came out in the black, congratulations! How much do you have left over? Regardless of how small or large the amount is, start stashing it away into savings and investments! Your choice of how to proceed will depend on your financial goals -- investing for retirement will involve less liquidity and more risk than just saving for next year's vacation. The main thing to remember is that you should build your savings and investments into your budget just like a bill -- and take care of these long-term responsibilities FIRST, before other costs. That's the secret to good financial management.

Now, if you ended up in the red, we need to talk. The first step is to look at spending which can be reduced or even eliminated. Start by examining those "spending leaks" -- if they give you pleasure and satisfaction, dandy. Certainly late fees and interest charges don't fall into this category! But you can still overdo a good thing.
Ask yourself if eating out 4 times a week gives you 4 times more pleasure than doing it just once. And could you get as much pleasure if you cooked a good homemade meal? Is the ridiculous mortgage on that 10,000 square foot house worth it? Or could you be just as happy (or even happier with less financial stress) in a place half the size? Also look for convenience expenses -- things that we spend money on because we are overwhelmed, too busy, or just worn out.

Perhaps by re-evaluating how you use your time, you might discover that many of these expenses are just symptoms of misplaced priorities. When you arrive at a place where all of your spending decisions are DELIBERATE ones, you will find yourself several steps and quite a few dollars closer to a balanced budget that allows you to reach all of your financial goals.

Article Source: http://EzineArticles.com/13766

Creating a Realistic Budget - Tip 5

Budgeting -- ooh, what a scary word! If you want to frighten someone whose finances are out of control, suggest that they tally up their expenses on a piece of paper. We all understand the value of such an exercise, but when it comes to the practicality of putting a budget together, we get cold feet. Budgeting doesn't have to be so painful, when you have a systematic series of steps to follow.

Visit if Tip 1, Tip 2, Tip 3 and Tip 4 if you have not yet read it.

DON'T FORGET YOUR DEBTS
It's also important that you have some idea of your liabilities -- debts that still have to be repaid. Did you figure these payments in with your monthly expenses? If you are only counting the minimum monthly payment, you will never pay your debts off. You may not be able to do it right now -- but after we get your budget in order, the goal is to pay at least double the minimum amount on at least one of your liabilities each month. You should start with the credit card or loan that has the highest interest rate -- then tackle the next highest after the first debt is paid off. And if you can afford to pay more than double, go for it. You aren't really free to start working on other financial goals until you know you are debt free.

TALLY UP YOUR INCOME
Do you really know how much you make? The tendency is to quote whatever is printed on your employment contract -- to say, "I make _____ a year." But after taxes and Social Security and any other items that are deducted from your check, what are you actually bringing home? Take a minute to really examine all of your sources of income and calculate an honest total -- you can't have a realistic budget without it!

www.HomesInTransition.com

Article Source: http://EzineArticles.com/13766

5832 Academy Ct NE (Albuquerque, New Mexico)

NE Heights Patio Home
Enter The Private Courtyard And Discover This Open And Bright Townhome With Master Downstairs And Possible Second Master Upstairs As Well. New Flooring In Lr/Dr, New Carpeting In All Bedrooms. Large Master Bath W/Double Sinks, Soak Tub, Walk-In Closet. Upstairs Full Bath. Sliding Glass Doors To Lovingly Landscaped Back Patio. Oversized 2-Car Garage W/Storage Areas. Lots Of Space - Great Location

5832 Academy Ct NE
Albuquerque, NM 87109

Rent: $680 per month
Application Fee: $45
Security Deposit: $1000
Bedrooms: 3
Baths: 2 Full, 1 Partial
Sq Ft: 1760
Click for More Details
 

www.HomesInTransition.com

Creating a Realistic Budget - Tip 4

Budgeting -- ooh, what a scary word! If you want to frighten someone whose finances are out of control, suggest that they tally up their expenses on a piece of paper. We all understand the value of such an exercise, but when it comes to the practicality of putting a budget together, we get cold feet. Budgeting doesn't have to be so painful, when you have a systematic series of steps to follow.

Visit if Tip 1, Tip 2 and Tip 3 if you have not yet read it.


ROOT OUT MONEY LEAKS

Now I guarantee that you will not remember every expense, no matter how hard you strain your brain! Think about all of the things that you buy throughout your week without really paying attention -- snacks at work, a magazine when you stop for gas, that cup of coffee on your way in every morning. And don't forget about the expenses you are racking up because of financial disorganization -- interest charges on your credit card debt, late fees because you forgot to return that movie on time, overdraft charges because you didn't balance your checkbook. All of these fall into the category of unconscious spending. You just do it because it's a habit. And although you think that a dollar here or fifty cents there is insignificant, it can really add up.

So for a month, record every penny that leaves your hand, in the form of a check or cash or a credit card transaction. This may sound like a huge challenge, but you can do it! Make it convenient -- my husband stuck a small pencil and piece of paper in his wallet so he would be reminded to make a note every time he made a purchase. You will be stunned when you see where your money is really going! My husband was shocked to find out that he was spending almost a hundred dollars a month on that morning coffee (am I picking on Starbucks too much?!) What's your vice -- eating out when you are feeling lazy? Buying every new CD or magazine that comes out? I'm not suggesting that you completely eliminate these habits -- just that you decide how often you can reasonably afford to indulge and still reach your other financial goals.

www.HomesInTransition.com

 

 

 Article Source: http://EzineArticles.com/13766

Creating a Realistic Budget - Tip 3

Budgeting -- ooh, what a scary word! If you want to frighten someone whose finances are out of control, suggest that they tally up their expenses on a piece of paper. We all understand the value of such an exercise, but when it comes to the practicality of putting a budget together, we get cold feet. Budgeting doesn't have to be so painful, when you have a systematic series of steps to follow.

Visit if Tip 1 and Tip 2 if you have not yet read it.

TRACK YOUR EXPENSES
How can you know what steps you need to take to reach your goal until you know exactly where you are right now? Most of us don't have a clue where our money goes -- credit cards and ATM's make it easy for money to just slip through our fingers. The first step is to create a list of STATIC EXPENSES -- things that cost the same amount every month, like rent and your car lease and student loan payments. Now these expenses are not completely "static" in the strictest sense of the word. You can reduce your rent or mortgage payment by finding a less expensive house -- and you could increase your loan payments to get rid of the debt faster. But for now, just itemize your regular monthly costs.

Next, you want to evaluate your VARIABLE EXPENSES -- those costs that fluctuate from month to month. Groceries, entertainment, utilities, and clothing all fall into this category. The great thing about variable expenses is that you control (at least to a certain extent) how much of your budget these items eat up. But some of these costs come in large and unexpected chunks -- like car repairs and medical bills. So you might need to go through your last 12 months' credit card and bank statements to get a clear idea of how much daily life costs you. And don't forget about those expenses that are paid only intermittently -- like insurance. Tally each expense and divide the total by 12, to give you a clearer idea of how your costs spread out over a year's time.

www.HomesInTransition.com

Article Source: http://EzineArticles.com/13766

Home for Rent: Cabezon Rd & Corrales Rd (Corrales, New Mexico)

This home is UNFURNISHED. The house is currently on the market, but its seller is looking for Caretakers to stage this home while it is for sale.

Cabezon Rd & Corrales Rd
Corrales, NM 87048



Rent: $680 per month
Bedrooms: 5
Baths: 4
Sq Ft: 6,000

Click for More Details
 

Application Fee: $45
Security Deposit: $1,000

To learn more about this opportunity to live in a home for $680 monthly plus utilities, call the HIT HOTLINE at 505-750-9500!

www.HomesInTransition.com

Creating a Realistic Budget - Tip 1

Budgeting -- ooh, what a scary word! If you want to frighten someone whose finances are out of control, suggest that they tally up their expenses on a piece of paper. We all understand the value of such an exercise, but when it comes to the practicality of putting a budget together, we get cold feet. Budgeting doesn't have to be so painful, when you have a systematic series of steps to follow.

SET YOUR FINANCIAL GOALS
As with any other area of your life, it's pointless to start down a financial path if you don't you have some idea of where you want to end up. What is your REASON for creating a budget? Do you want to pay off your debts? Save for your kids' college education? Put money away for retirement? Make a list of your financial goals for the next 6 months, year, 5 years, 10, 25 -- all the way through to old age. And don't spend a lot of time worrying about feasibility -- if your goal is to be debt free in a year, don't think about all of the reasons why you won't be able to make it by that deadline. Just remember, where there's a will, there's a way!

www.HomesInTransition.com

Article Source: http://EzineArticles.com/13766

Why a Realtor Should Refer Their Seller to Homes In Transition

Safety for you and your client's should be your top priority! Showing a house that is vacant can be dangerous since you never know if you might confront an unwelcome guest.

A HIT Caretaker occupied house can provide you and your Seller the best condition and appearance of the property.

A HIT Caretaker occupied house provides peace of mind.




Equipping your marketing toolbox to include the HIT program can provide a no cost way for you to provide an added benefit that will give you a competitive edge and dramatically increase your listing presentation success.
 
HIT can often make recommendations to your seller that will greatly benefit the marketing of the house
 
Because of HITs proven success at delivering properties in time for closing and doing what they promise, you can refer the HIT program with confidence.
 
It's best not to wait till your listing is about to expire to refer the HIT program, but better late, than never.
 
Marketing materials, pictures and videos are important and costly. Using the HIT program will complement your marketing efforts and guarantee the longevity of your listing and maximize your efforts.
 
HIT charges the Property Owner a small fee that starts at $1500.00 an DIMINISHES to zero after 90 days of our Caretaker's occupancy. If the house doesn't sell in first 90 days of our Caretaker's occupancy, HIT's service is entirely FREE to the Property Owner until the property sells. We're motivated to help you sell your listing fast because it promotes your referral of more vacant houses!

www.HomesInTransition.com

3728 Otra Vez Ct NW (Albuquerque, New Mexico)

Low Maintenance Townhome in North Valley

Light, bright, vaulted ceiling in this southwestern style home. Saltillo tile. Private, quiet professional home on cul de sac. Southwestern, low maintenance landscaping. Loft area for office, guests or 3rd bedroom. Lovely yard with room to entertain. 2 Story Townhome with a loft, Saltilllo Tile, Kiva Fireplace on a Cul de Sac. NO PET.

3728 Otra Ct NW
Albuquerque, NM

Rent: $680/month
Application Fee: $45
Security Deposit: $1,000
Bedrooms: 2
Baths: 2.5
Sq Ft: 1,486
Click for More Details
 

www.HomesInTransition.com

1904 Yarbrough Pl NW (Albuquerque, New Mexico)

This oversized Ladera Heights home is conveniently located just minutes away from schools, shopping and freeway access. Beautiful tile floors throughout. The first floor leads to a bright, open kitchen. Has 4 Bedrooms and office/loft and a fireplace in the living room area.

1904 Yarbrough Pl NW
Albuquerque, NM



Rent: $650/month
Application Fee: $45
Security Deposit: $1,000
Bedrooms: 4
Baths: 2
Sq Ft: 2,450
Click for More Details

www.HomesInTransition.com