268A Broadway, Revere, MA 02151
617-285-0667 | dlozzi05@gmail.com



Posted by Danielle Lozzi on 11/12/2017

Your thirties are a time of many important financial decisions. Many people are starting families, buying homes, and getting settled into their careers by the time they turn thirty. The following ten years are often marked by salary increases, moving into larger homes, and saving for retirement.

Itís vital to have a solid grasp on personal finance in your thirties, as it is in many ways the foundation of your finances for the decades to come. So, in this article weíre going to give you some advice on buying a home and managing your money in your thirties.

Straighten out your credit

If your twenties were a volatile time of incurring debts from student loans, car loans, and other expenses, then itís paramount to get your credit in order in your early thirties. Having a high credit score can secure you lower interest rates on a home loan or let you refinance your loans at lower rates.

Start by making sure your bills are on auto-pay, and be sure to settle any older debts from your younger years. You can also use a credit card for recurring expenses, such as gas to get to work or groceries, and then pay them off in full each month. This way, youíll build credit and avoid accruing  interest at the same time.

Reevaluate your lifestyle and long term goals

A lot can change from the time you turn 25 to the time you turn 35. Your goals might shift from finding a home near the ocean to finding a home near a good school district for your children. You might also have the shocking realization that your children will be heading to college sooner than it might seem, and that youíre still working on paying off your own student debt.

Consider things like the size house youíll need for your family, where you want to live and whether that involves being close to aging parents, and reallocating money depending on your retirement goals.

Rethink your insurance coverage

Gone are the days when all you needed was a car insurance policy to get by. As you age and your responsibilities grow, youíll need to think about the future for you and your family. That may include a more comprehensive health insurance plan for your family, a life insurance policy for yourself, or increased covered for home and auto insurance.

Automate the headaches away

With all of these growing responsibilities, it can be easy to get frustrated with the time youíre losing to keeping your finance in order. Fortunately, there are many tools at your disposal in the internet age that will make all of those responsibilities an afterthought.

First, get a budget planning app, like Mint or You Need a Budget (YNAB). Next, set up your bills to auto-pay if you havenít yet. Then, put reminders in your phone to periodically check your credit score and reassess whether you need to pay for certain monthly services (do you still watch Hulu?). Finally, if you havenít yet, make sure you have your paychecks direct deposited into the accounts youíd like them to enter so you donít have to worry about them.




Categories: Uncategorized  


Posted by Danielle Lozzi on 11/11/2017


123 Business Opportunity St., Boston, MA 02128

East Boston's Jeffries Point

Commercial

$2,995,000
Price

1
Buildings
Commercial
Type of Comm.
1,252.00
Lot Size
THE HEART OF JEFFRIES POINT WORLD FAMOUS FOOD NETWORK RESTAURANT with full service for operation from 6:00 a.m. to midnight 7 days a week. Clientele include famous singers and actors and world travelers that dine on a daily basis. With travelers with long layovers and recommendation from local hotels too. ATTENTION developers don't miss the opportunity to develop in the hottest location in East Boston. Business, transference of liquor license, and building all for sale. Dine in, take out, catering and delivery. CORNER LOT WITH patio seating. Inventory list is available. Don't miss out on this turn key once in a lifetime opportunity to own this world famous international known FOOD NETWORK Restaurant. Buyers, Investors are to do own diligence for development possibilities.
Open House
No scheduled Open Houses

Similar Properties





Tags: Real Estate   Boston   02128   Commercial  
Categories: New Homes  


Posted by Danielle Lozzi on 11/11/2017


123 Business Opportunity ST., Boston, MA 02128

East Boston's Jeffries Point

Business Opportunity

$2,995,000
Price

0
Parking Spaces
1,252.00
Lot Size
1,594
Building SQFT
THE HEART OF JEFFRIES POINT WORLD FAMOUS FOOD NETWORK RESTAURANT with full service for operation from 6:00 a.m. to midnight 7 days a week. Clientele include famous singers and actors and world travelers that dine on a daily basis. With travelers with long layovers and recommendation from local hotels too. ATTENTION developers don't miss the opportunity to develop in the hottest location in East Boston. Business, transference of liquor license, and building all for sale. Dine in, take out, catering and delivery. CORNER LOT WITH patio seating. Inventory list is available. Don't miss out on this turn key once in a lifetime opportunity to own this world famous international known FOOD NETWORK Restaurant. Buyers, Investors are to do own diligence for development possibilities.
Open House
No scheduled Open Houses

Similar Properties





Categories: New Homes  


Posted by Danielle Lozzi on 11/9/2017


455 Frankfort St, Boston, MA 02128

East Boston

Rental

$1,900
Price

4
Rooms
2
Beds
1
Baths
Talk about CONVENIENCE.....this apartment is located just houses away from Wood Island T-stop, across the street from A1A highway access going south to town, or north toward beach. Bus routes 120 and 121 on Bennington St. 2nd Floor Unit - 2 Bedroom apartment available for immediate move in. Original pine floors in most rooms, Vinyl flooring in kitchen that could possibly setup a small table for dining. Dining room and living room flow into each other with high ceilings keeping an open airy feeling in apartment. Master Bedroom has a bonus room that is set up as closet or could be used as an office. Back bedroom has a large 3 paned window for great natural light and a walk in closet.
Open House
No scheduled Open Houses

Similar Properties





Tags: Real Estate   Rental   Boston   02128  
Categories: New Homes  


Posted by Danielle Lozzi on 11/9/2017

This Single-Family in Revere, MA recently sold for $285,000. This Other style home was sold by Danielle Lozzi - M. Celata Real Estate.


365 Park Ave, Revere, MA 02151

Single-Family

$309,900
Price
$285,000
Sale Price

3
Rooms
1
Beds
1
Baths
Condo Alternative; Adorable 1 Bedroom ready for new owners. Enter thru screened in porch, into Living Room. Updated Kitchen with granite counters, newer cabinets that offer plenty of room for cooking a great meal with separate Island Dining Space, Gleaming Hardwood floors and fresh paint thru-out. If you need back yard space or work area, the 2 Garages in rear are perfect for you. Full basement with washer and dryer. Many updates have been done including electric and roof. Landscaped with mature shrubs for privacy. Close to all major routes, schools, houses of worship and plenty of off street parking.

Similar Properties





Categories: Sold Homes  




Tags