Each spring, I look around my house and think I need to get rid of some of the junk sitting around. I look through each closet in every room, under the beds, and under the stairs and by the time I’m done… I usually have 2 or 3 black garbage bags of “stuff”. At this point, I have 2 questions on my brain, how on earth do I accumulate so much, and what do I do with it ?
I can’t answer the 1st question, but in regards to the 2nd I can. My community has 2 thrift stores and I receive repeated phone calls from a number of associations looking for gently used clothing and small household appliances.
Next: I step outside and clean up my yard, my flower beds I remove all the dead stuff from winter, check the gutters, get the lawn mower ready to go for the first time, and find that crazy leaf rake. Add to the list, don’t forget to turn the sprinklers on and ppick up fertilizer.
This year I added one more step to my spring cleaning….
I reviewed my budget. I looked at my mortgage and discovered my interest rate was 4.25%. WHAT! How had I not noticed this before, seriously! Then I took a quick look at my credit card statement and realized the interest rate had been raised over the winter, are you kidding me? Once again how had I not noticed this before? Thankfully the Line of Credit payment had been lowered because Bank of Canada’s prime rate was lowered.
Result of my findings, each spring I will review my clutter, I will recycle, reuse and reduce what I can, but I will also sit down and review my financial budget as well.
When was the last time you reviewed your budget? Is it time to refinance and reduce your financial stress? Or are you getting ready to purchase, but you need to know what debts you need to clear out. Now is the time to sit down and review your finances to make sure you get to live this summer clutter free.
Blogged by Elise Hildebrandt, AMP, Mortgage Associate, Broker Lic# 316103 at The Mortgage Centre, Brokerage Lic #315847, Saskatoon. She has been in the financial industry for 17 years. Please contact her today if you have any questions about your mortgage at www.elisehildebrandt.ca. Do you know what your mortgage options are? She does. She has been given the “Thumbs Up” by Trusted Saskatoon http://trustedsaskatoon.com/listings/mortgages.aspx