Take Control of Your Finances

Resolve to Take Control of Your Finances in The New Year

By: Carrie McPherson

Many of us take advantage of a new year to turn over a new leaf. is can include everything from starting a new exercise regimen to committing to cooking more Looking for the Lowest Mortgage Rates Out There? at home. It’s also a prime time to assess your current nancial situation and take concrete steps to improve it. Looking for Alternative and Aggressive Mortgage Programs? opportunity in a long time to nd a job that o ers better compensation and that you may actually nd Here are a variety of steps to take as the New Year beAs a Wholesale Mortgage Brokerage Firm, more enjoyable.gins to enhance your nancial life. Some may be more appropriate than others for your circumstances.we transfer our rate discount to you!! Invest more effectivelyReview where you stand Our Premiere Mortgage Programs include: Do you think you might be able to get more out of your portfolio? Take a closer look at what’s working and what isn’t. It may be time to “cut your losses” on Start by taking a comprehensive look at your current nancial position. Are you generating enough income 1) FHA- National Grant Program/No MoneyDown (NO Credit-OK, DACA buyers- OK, investments that have proven to be disappointing while putting some of that money to work in assets to meet expenses? Where could you cut back on living costs? Are there loans or debt you can pay o quicker? 2) USDA- No Money down, specific areaonly that o er greater potential.Are you saving enough for your key goals? Ask the tough questions to get a good sense of where you stand. 3) Conventional- First Time Home Buyers’ 3% down Make 2022 different en consider any of these following steps that seem 4) VA- No Money down, Credit Score down to 550 appropriate.

If you feel like there’s more you could be doing to Deal with debt shore up your nancial position, make a pledge to get that process started now. It may be bene cial to Make a plan to pay down debts as quickly as you can. consult with a nancial advisor to help you nd a A priority should be to repay high interest borrowing path to a more prosperous future. like credit card debt as quickly as possible. To the extent loans are manageable, you can continue to make monthly payments, but the more you pay o , the easier it will be on your monthly budget. Build your savings Financial security is closely related to the amount of money you have available to you. Commit to building up an “emergency fund” equal to six months of your income to help deal with unexpected short-term needs. en commit to boosting your retirement savings contributions per month if you can.

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  No Income Verification Last 12 MonthsBankStatements Carrie A. McPherson, CRPS®, CDFA®, ChSNC® is a Financial Advisor and Certified Divorce Financial Analyst with  Minimum10% Down Payment BeaconPoint Wealth Advisors, a financial advisory practice of Ameriprise Financial Services, Inc. in Providence, RI. She  Interest-Only options specializes in fee based financial planning and asset management strategies and has been in practice for 13 years. Please contact her at www.ameripriseadvisors.com/team/ beacon-point-wealth-advisors or (401) 824-2557, 1 Citizens Investment Property: 15% Down Payment Plaza Ste 610 Providence, RI 02903 Rents Support the Mortgage Payment, No Income Verification!! Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.Select Jumbo Program  Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a 10% Down Payment registered investment adviser.  No PMIrequired Ameriprise Financial Services, LLC. Member FINRA and  High Debt Ratio allowed SIPC.  © 2021 Ameriprise Financial, Inc. All rights reserved.Max Loan amount $3 Million

Resolve to get a better job Many employers are having a hard time nding the right kind of people to ll roles. is may be the best