Archive for month: January, 2023

Represented Buyer

6653 Spruce Ln, Dublin, CA 94568

$930,000 | 3 BD | 2 BA | 1,280 SqFt

Perfectly placed in the lovely Echo Park neighborhood, 6653 Spruce Lane’s timeless floor plan opens to a private backyard full of potential. Whether you’re looking for a convenient location near schools and shopping, a friendly community with a sweeping park or indoor-outdoor living space, this charming residence has it all! The spacious living room flows into an open-concept kitchen, family room and dining area, all of which feature hardwood flooring. Convene before the exposed brick fireplace, soak up the afternoon rays on the expansive patio that stretches just beyond the sliding glass doors or seek shade under the large pergola. Complete with a side yard and a large shed, this entirely-enclosed backyard is awaiting your finishing touch. A hall off of the main living spaces takes you to the three bedrooms and two full bathrooms one of which is located in the primary bedroom. A two-car garage and easy commutes via highways 680, 580 and BART are wonderful bonuses.

The downward spiral of debt is a dangerous one, especially when that debt is attached to extremely high interest rates, typical of credit card debt. With rates as high as 36%, it can be very challenging to climb back out for air. But all is not lost. You can still take action right now to not only get rid of your debt, but start padding your savings account too.

Give these 4 practices a go to get you back on the road to financial health for the long haul.

Commit to Using Cash Only for a While

If you’ve had a torrid affair with plastic (aka your credit card), you may have gotten yourself into trouble every now and then. Financial gurus often suggest that people with dangerously high levels of debt should cut up every credit card owned, and use cash only for expenditures until the debt has been successfully managed.

If you are having a tough time saving because every penny you make is going to towards paying off your ridiculously high credit card debt, perhaps it’s time to start adopting a cash-only lifestyle, at least for a little while until you get a hold of your finances. Just keep one old credit card account open, but don’t charge it. While this may sound like a crazy, impossible task, you’ll soon learn how to live within your means.

Put 1% of Every Paycheck Into Your Savings Account

One percent might not sound like a lot, but it’s something, and it’s a good starting point upon which you can build. Putting a certain percentage of your income away into a savings account will help get you into the habit of saving on a regular basis. No matter how small your bank account is, and regardless of how little you’re putting away every month, the point is you’re still saving.

As you begin to gradually pay off debt and slowly grow your savings, you can take the money you’ve accumulated and start putting more of it towards debt. You’d be surprised at what this forward momentum can do for your saving habits. Before you know it, you’ll be much closer towards paying off your debt.

Check Your Balances on a Daily Basis

Sound like too much? Well, just taking a couple of minutes each day to check your account balances can help keep you in-the-know about your finances and spending habits. While daily account checking might sound a tad obsessive, it can really help keep you honest with yourself about where exactly your money is going. It’ll also help lower the odds of spending impulsively. By having an accurate dollar amount floating around in your head, you’ll be better able to make sound spending decisions.

Reward Yourself on PayDay

Much like treating yourself to a donut every once in a while when on a diet, rewarding yourself with a spending treat is also helpful when you’ve stuck to your budget so diligently until payday. Just make sure that this reward is an affordable luxury, and not an exorbitant splurge that you’ll deeply regret. It could be a manicure, a half hour massage, or a new pair of shoes. Over time, you’ll start looking forward to these rewards, helping you stick to your budget without tapping into your savings.

Sticking to these practices, and others like them, on a consistent basis can help turn your finances around for good. After a few weeks or months, they’ll actually come naturally to you without having to force yourself into saving.

For more info anytime: 

 (925) 899-0825 

 Jason@JasonCaskie.com 

 JasonCaskie.com

7415 Sedgefield Ave, San Ramon, CA 94583

$1,375,000 | 4 BD | 3 BA | 2,030 SqFt

Prime location with beautiful curb appeal! This lovely home sits on an almost 9000 square foot lot, has no rear neighbors, and backs up to the San Ramon Golf Club. Features a bright floor plan with large windows to let in lots of natural light, new flooring throughout, updated baths, brick wood burning fireplace in the living room, and full bedroom & bath on the main level. The cozy den is located off kitchen, and has a slider that leads to the spacious, incredible backyard that has a storage shed, and new pavers, hardscape, & large grass area that is perfect for a children’s play area. Close to award winning schools, the Iron Horse Trail, and parks. Very quiet, yet close to the 680 freeway. Great home to make wonderful memories!