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Doing A Personal Financial Assessment
To get to the top of the real estate investing mountain, you want and need to use all the tools available to you in your financial tool belt. Although in theory you can build a house with just a few tools, if you don’t have certain special tools at your disposal, the quality of the house can suffer. The same is true when you are trying to finance your real estate transactions.
First, a basic real estate truth: You don’t need a sterling credit record or access to a ton of cash to make a fortune as a real estate investor. But if you invest in promised land, you will get to real estate faster.
Since your ultimate goal is to build a solid real estate portfolio and a large residual monthly income whether you get out of bed each morning or choose to go to sleep, you’ll want to secure your finances. are in maximum health. This requires you to undergo an intensive examination of your finances, just as your personal doctor does to ensure that you are in good health.
Step one: Get into the right frame of mind
The most critical step in analyzing your finances is realizing that the way you approach money and financial decisions plays a large role in your ultimate success or failure. If you have a proven track record of shooting yourself in the foot with bad financial decisions, it’s important to do a radical about-face and change your spending habits.
If you’re spending a ton on music downloads, drinking overpriced gourmet coffee every day, or dealing with the receptionist at Walmart, I’ve got news for you: There’s more bacon in your budget. Congressional spending law. By removing much of the waste from your personal economy, you can create money out of thin air that you can use for better purposes than instant gratification. On the contrary, you can change your life for the better. But the choice is yours alone.
Step Two: Cut costs ruthlessly
After you finish paying bills at the end of the month, do you usually have cash left over, or do you tend to spend it all within a day or two of payday — and then limp around until your next paycheck arrives? Most people spend the bulk of their paychecks on bills, food, and other necessities. If they’re lucky, they can spare a few dollars for a rainy day. The difference between those who are in control of their finances and those who are in financial disarray is that being in control means taking control and staying in control. Although many people find it difficult to increase their income, it is possible to reduce expenses. To do this, you need to manage your expenses and identify areas of your budget that can be cut back. While this may not be the sexiest topic of conversation, it is absolutely essential to your ultimate success as a real estate investor. Budgeting for monthly expenses and only spending what’s on your list is one of the hardest aspects of managing your financial life. By eliminating unnecessary expenses, you will reach your goals faster. Here are a few ideas to get you started:
Box the Cable Pig: That’s right; cancel your cable. You’re always complaining that there’s nothing good about it, aren’t you? Instead, talk to your spouse, go for a walk, listen to a podcast, or read a good investment book.
Cut Your Cell Phone Plan to Size: Most people deal with expensive and wasteful mobile phone packages. Unlimited texting, mobile internet, and bulk calling plans are great, but most people don’t use all of their phone’s features. Do you need mobile browsing, or is it a toy you use to watch YouTube videos when you should be doing something else? Do you need unlimited texting, or can you rest your finger if it will save you $20 a month?
Go through your Credit Card Statement: See if there are any recurring payments every month. Are they the items you need? There may even be some small fees that you forget to register for each month. Eliminate the unnecessary and follow them to make sure you’re not throwing money out the window.
Stay away from cars – Your waistline and wallet will thank you. These frequent daily trips to McDonald’s and other fast food joints are killing your health and your budget, sometimes ranging from $5 to $10 per trip. This also applies to coffee. Caribou and Starbucks are tempting, but do you really need to stop for a $5 cup of coffee every day, or would you save money by making coffee at home?
Step Three: Pay off your excess debt
Another area that is probably holding you back is excessive debt. High credit card balances, store charge card balances, and computer bills are a fact of life for millions of people. However, if they are leaving you behind financially, they should go the way of the 8-track tape and join the growing list of things that once served a useful purpose and are no longer useful. Make extra payments, have a yard sale, or do whatever it takes to eliminate excessive debt. If you can’t find the cash to pay off some of these bills, consolidate them or at least make larger payments. If your wallet, credit cards, and cash are eating up too much of your cash, it’s time to take control and protect your financial interests. No one else will.
Step Four: Check Your Credit Report and Account
How is your credit history? Do you have a long track record of consistently paying your bills on time, or do you tend to fall behind on many of your debts? If you’re like most people, you have a record of paying on time. The first step in making this decision is to examine your credit report and find out what your credit score is. Once you know these details, you can start working to improve your credit and take advantage of real estate opportunities when your finances are available to you. The good news is that you won’t have to spend a small fortune to get your credit report. The federal government, for once, finally had a pro-consumer idea that made sense. The three major credit reporting agencies, Experian, TransUnion, and Equifax, have teamed up with www.annualcreditreport.com, a website that allows you to get your credit report once a year for free. The choice is yours whether you buy all three at once or stagger them to check a different one every four months. The important thing is that you get these reports and see what information they contain. They include most of your credit transactions, along with your current balances, as well as any fees, late payments, etc. will be If you notice errors, omissions or fraudulent accounts (accounts opened in your name by someone other than you) on your report, there is a mechanism to correct these records. Since your ability to borrow and the interest rate you will pay depend on the accuracy of these reports, it is in your best interest to ensure that the story on your credit report is true. While you can’t get free credit scores with your free credit reports, it’s important to have an accurate understanding of your current credit score as part of a comprehensive examination of your finances. You’re more than a number, but numbers matter to a potential lender. If your FICO score is too low, your chances of getting a loan approval decrease. This knowledge will allow you to act decisively in improving your credit score and the rates and terms you can apply for in all your financial transactions.
Step Five: Increase Your Income
You have two options for increasing your income: work harder at your job or find an entrepreneurial opportunity that can put you on the path to financial success. Investing in real estate is a proven method for building wealth, residual monthly income, and life-changing opportunity.
Pine Financial Group aims to continue to give you the tools you can put to work in your life today to increase your income and build real, lasting wealth. What you do with this knowledge is up to you.
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