Robin Spangenberg
Northeast Signature Properties, LLC | 508-277-4144 | robin@nesignature.com


Posted by Robin Spangenberg on 10/23/2016

Saving money can be hard. It often seems like a daunting task but often it is the little things that make a big difference. Here are five tips to get saving more money now. 1. Pay off your debt. If you have debt try to consolidate it and pay off debt as soon as possible. A strategy to do this would be to consolidate debt to a lower interest rate if possible. Interest on debt can cost you thousands of dollars every year. 2. Pay your bills on time. When you don't pay your bills on time you acquire late fees. The best way to do this is to get organized about your regular bills. If possible, automate your regular payments. 3. Know your bank balance. If you don't keep track of your check book you will probably accrue over draft fees. Be aware of the balance in your bank account and avoid overdraft fees. 4. Avoid ATM fees. ATM fees can really add up. Try to use only those ATM machines where your bank will not charge the fees, or withdraw directly at your bank. 5. Manage your credit. Credit card fees are often hidden costs you don't account for. Look for credit cards with cash back bonuses and reward points. Avoid credit cards with annual fees.




Tags: Save Money  
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Posted by Robin Spangenberg on 9/13/2015

Do you have clogged drains? All of us will experience a backed up drain at some point in our life. Store bought drain cleaners have harsh chemicals and can be expensive. Homemade drain cleaners can be an effective alternative to the store bought ones, and you probably have everything you need in your home already. Here is how to clear your drain the natural way in just a few minutes: 1. Pour ˝ cup baking soda into the drain. 2. Pour ˝ cup of vinegar into the drain. 3. The ingredients will start bubbling and fizzing. 4. When the bubbling and fizzing has stopped pour boiling water into the drain. 5. Flush the drain with hot water. You may have to do this a few times, but soon your drain should be as good as new.





Posted by Robin Spangenberg on 8/16/2015

Who wouldn't like to pay off the mortgage early? Getting rid of mortgage debt will allow you the security and the psychological benefit of owning your home free and clear. There are lots of ways to accomplish these goals. Here are some suggestions on ways to get rid of your mortgage debt. Compare the options and do what works best for you. 1. Add more money to your monthly payment. This will help pay down the principal balance shortening the length of your loan. When you pay more on your principal is gets lower, and the lower your principal gets, the more every payment from then on is applied to principal, as less goes to cover interest expense. 2. Refinance. Refinance your mortgage to 10, 15 or 20 years. Your payments will be higher on a 15-year loan, but often the rate is lower and the loan is paid off much quicker. If you are afraid to take out a 15- year loan take out a 30-year loan, but make payments as if you had a 15-year loan. 3. Make biweekly payments. Most banks have a biweekly payment plan. Since there are 52 weeks in the year if you pay half your regular mortgage payment every other week, you'll have made 26 half-payments, or 13 payments. There are options when it comes to owning your home free and clear. Just decide which one works for you and be on your way to being mortgage free.





Posted by Robin Spangenberg on 6/28/2015

Who doesn't need more money? If you are looking to save for a house, put more money in the bank or tighten your budget, there are several money saving moves you can make. Here are just a few ways to put more money in your pocket: Save money without feeling the pinch by setting up an automatic transfer from your checking account to a high-yield savings account.  Some accounts to look at are INGDirect.com or Smarty Pig.com. Build a savings by transferring at least 5 percent of your paycheck and then gradually increase to 10 percent. Get the best yield on your checking account by using Bankrate.com to find the bank offering the highest yields and fewest fees. Switch your credit card to a card with more favorable terms like lower interest rates or better rewards. Use the tools on sites like: CardRatings.com, or Credit.com. Find money by checking to see if you're entitled to any of the $32.8 billion in unclaimed funds being held by state governments. Go to MissingMoney.org and Unclaimed.org to see if you are owed any money.  





Posted by Robin Spangenberg on 5/17/2015

Who doesn't like to save money? A penny saved is a penny earned and there are some quick and easy do-it-yourself tips that you can do around your home to help the savings add up. 1. Did you know a shorter dryer hose will make your dryer run more efficiently? You could save up to $25 a year by just trimming the dryer hose. Make sure to trim the hose length just long enough to pull the dryer a few feet out from the wall. 2. Keep the closet doors closed. Not only does it make your room look neater it will also keep you from heating or cooling more square footage. You could save up to $50 a year by just closing the closet doors. 3. Check the water heater and make sure it is set to 120 degrees.  You may have to wait a few minutes for the shower to heat up but you could also save up to $30 or more per year on gas, oil, electricity, or propane. 4. Replace all your light bulbs with energy-efficient halogen bulbs, rather than incandescents. Just by doing this you could save a whopping $20 per fixture on electricity over three years. 5. Chim chiminey, chim chim cher-ee! Get your chimney swept in the summer. Having your chimney done in the off-season will save you money by getting an off-season price. You could save approximately $50 per flue. Just doing these simple tips can save you hundreds of dollars a year.