Do You Plan to Prosper ?

By
Real Estate Agent with Keller Williams 414-525-0563

pot of gold   Since before we were married....now seemingly a lifetime ago....we have had regular "financial meetings" at our house. When you are self employed...that would seem like a requirement for not only healthy finances but a healthy relationship.  It always seems that one person is in charge of the household money...paying bills.  For us, that is true is well...some on line and some snail mail depending upon the ease and experience of the transaction. Early on when paying on line was a "new thing" there was more confusion that corect....and things got misapplied..this seems to be less and less the case and more savings on postage and check printing.check book

    Working with short sales we know that all the plans in the world won't change a job loss, cancer diagnosis, divorce, death of a primary wage earner...the rainy day, the special emergency fund empties before life turns around and sometimes, a short sale an be the best remedy for a fresh financial start....but I digress.

    We don't pretend to be financial planners...we have people that do the really "big investing". What we do is analyze our marketing plan and sales forecast....and determine our financial obligations and priorities.  We know what our monthly expenses are and when payments are due.  We also have a list of things that relate to the house....improvements...the honey do list,...what the fund looks like for car replacement...new ___________name that thing...inside and out...business and pleasure...computers, vacations, energy efficient research for additions... These days with great interest rates, you may elect to change your 30 year mortgage to a 15 year mortgage...do the numbers....see what's best for you.piggy bank

    The best surprise is no surprise financially....where can you save...open your mind to other possibiities instead of the same old thing that may not be as effective or efficient...install the low flow toliets....attach a rain barrel for the environment...prioritize the honey do list....and make sure you have some fun along the way....celebrate your successes ...we used to that with cheap bottles of champagne when we were newlyweds...Plan the victory party for your financial successes...keep your eye on your goals and revise your plans to meet them....Every best wish for your plans to Prosper ..!

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Sally K. & David L. Hanson, ABR, CDPE, CSS, e-Pro,ILHM, REDS

Sally K. & David L. Hanson  

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Rainer
239,935
Michele Miller ~ REALTOR®, LMC, HSE, CHS
Keller Williams Greater Worcester - Worcester, MA
"Your Full Service Professionals"

Sally and David,

Great blog! Make sense to me!

Sep 01, 2010 06:23 AM #1
Rainmaker
1,920,092
Gita Bantwal
RE/MAX Centre Realtors - Warwick, PA
REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel

Great advice to have regular meetings to discuss finances. Thanks for the post.

Sep 01, 2010 06:24 AM #2
Rainmaker
1,394,171
Sally K. & David L. Hanson
Keller Williams 414-525-0563 - Brookfield, WI
WI Realtors - Luxury - Short Sale - CDPE, REDS

 Good sense makes more Cents...!

Sep 01, 2010 06:36 AM #3
Ambassador
1,285,616
Loreena Yeo
3:16 team REALTY ~ Locally-owned Frisco TX Real Estate Co. - Frisco, TX
Realtor® | Frisco TX Community Ambassador

My husband and I do sit in monthly meetings to plan out our personal budgets every month. We do plan to prosper. Over the years, what we realized we both want is simplicity. We have over complicated things in the past but now we strive for making our lives align with our priorities, wants and needs.

Sep 01, 2010 07:14 AM #4
Rainmaker
1,394,171
Sally K. & David L. Hanson
Keller Williams 414-525-0563 - Brookfield, WI
WI Realtors - Luxury - Short Sale - CDPE, REDS

Good for you Loreena...it's easy to get caught up in the "too much stuff" mode....our new theme is energy efficiency and we challenge each other to find and research ways we can become "greener."  Best wishes...

Sep 01, 2010 07:18 AM #5
Rainmaker
1,383,497
Kristin Johnston, Waukesha Realtor 414-254-6647
RE/MAX Realty Center - Waukesha, WI
Waukesha County Realtor, RE/MAX Buyer Agent

Sally, I love your comment above....we too have done alot more green stuff over the last 2 years and really feel good about those changes...I must confess, we don't have a budget per se, but we always have lived well within our means and are smart that way...love the post!

Sep 01, 2010 08:07 AM #6
Ambassador
1,501,377
Michael Thornton
Complete Home Inspections, Inc. - Brentwood, TN
Home Inspector - Nashville, TN area - 615.661.0297

Yes, I do plan to prosper... 

Sep 01, 2010 08:20 AM #7
Rainmaker
1,394,171
Sally K. & David L. Hanson
Keller Williams 414-525-0563 - Brookfield, WI
WI Realtors - Luxury - Short Sale - CDPE, REDS

You bet you two...not just plan it...do it..!

Sep 01, 2010 08:36 AM #8
Rainmaker
1,242,801
Jay Markanich
Jay Markanich Real Estate Inspections, LLC - Bristow, VA
Home Inspector - servicing all Northern Virginia

You all have waxed very philosophical lately!!

Sep 01, 2010 09:49 PM #9
Rainmaker
1,394,171
Sally K. & David L. Hanson
Keller Williams 414-525-0563 - Brookfield, WI
WI Realtors - Luxury - Short Sale - CDPE, REDS

wax is best thing of late....older and wiser ?

Sep 01, 2010 09:54 PM #10
Rainmaker
1,242,801
Jay Markanich
Jay Markanich Real Estate Inspections, LLC - Bristow, VA
Home Inspector - servicing all Northern Virginia

Depends on what is getting waxed...

Sep 01, 2010 09:56 PM #11
Rainmaker
635,090
Dawn A Fabiszak
Keller Williams Real Estate ( Denver metro area, Colorado - Aurora, CO
The Dawn of a New Real Estate Experience!

Sally & David ~ you are inspirational.  There is a lot of thought in your lifestyle and your blog.  Thank you for sharing your wisdom with us.

Sep 01, 2010 11:09 PM #12
Rainmaker
1,394,171
Sally K. & David L. Hanson
Keller Williams 414-525-0563 - Brookfield, WI
WI Realtors - Luxury - Short Sale - CDPE, REDS

Thank yo Dawn....would love to meet you sometime at a KW function !

Sep 02, 2010 05:26 AM #13
Rainmaker
592,190
Laura Giannotta
Keller Williams Realty - Atlantic Shore - Little Egg Harbor, NJ
Your Realtor Down the Shore!

Sounds like a great plan, and one that could serve as a guideline to others! 

Sep 02, 2010 07:31 AM #14
Rainmaker
1,394,171
Sally K. & David L. Hanson
Keller Williams 414-525-0563 - Brookfield, WI
WI Realtors - Luxury - Short Sale - CDPE, REDS

it's one we have used for a lifetime Laura...or at least since we have been married...this IS a lifetime, hmmm ?

Sep 02, 2010 07:34 AM #15
Anonymous
Anonymous
Anonymous

And put at least 10% of your gross income each year into your savings. I figure if the Church can ask for 10% for God, well then 10% should be good enough for me, too!

Sep 04, 2010 08:59 PM #16
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Rainmaker
1,394,171

Sally K. & David L. Hanson

WI Realtors - Luxury - Short Sale - CDPE, REDS
For All Things Wisconsin Real Estate...Call the Hansons
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