Galen Call Reverse Mortgage Specialist Monterey California

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Galen Call June 20, 2012

More Money Than Month? How to Stick to Your Budget

So you’ve gone through the hard work of making a budget, written down your expenses and your income and made a plan for your spending.

However, sometimes the hardest part of budgeting is sticking to your plan. You might have the intention of cutting down your spending and putting money in your savings, but if you don’t stick to this plan it will not happen.

Here are a few tips that will help you stick to your budget and meet your goals:

Filed Under: Personal Finance Tagged With: Budget, Financial Protection, Saving

Galen Call June 7, 2012

Clever Ways to Cut Your Food Bill Down

When it comes to saving money, there are a few things that you can’t cut back on too much because you need them to survive, such as clothing, shelter and food.

You can take the bus to work and not buy a big screen TV, but you will not live very long if you don’t eat!

However, buying food doesn’t have to be as expensive as you might think.

If you wince in horror everything you take out your wallet at the supermarket, there are many ways that you can cut down your food bill while still eating healthy and tasty meals.

Filed Under: Personal Finance Tagged With: Budget, finance, Food Costs, Grocery Shopping

Galen Call May 31, 2012

How to Still Be Social Even When You Are Saving

Many people have the idea that being frugal and saving your money means that you have to lead a boring life of sitting at home making budgets, counting pennies and staring at the wall.

However, this is absolutely not true. If you are saving for a financial goal or to pay off debt it doesn’t mean that you need to cut out your social life completely!

Although going out for drinks, meals and shopping with your friends is very expensive, there are other ways to spend time with the people you love without needing to splurge.

Filed Under: Personal Finance Tagged With: Budget, Entertainment, saving money

Galen Call May 2, 2012

Are You Sabotaging Your Own Budget?

You’ve tried to make a budget and stick to it, recording your expenses and income on a spreadsheet and keeping track of your spending. However, you still seem to always end up with more month than money.

Where does it all go and what are you missing?

Budgets are not easy to keep and there are many things that you could be doing which are unintentionally ruining your best laid plans. Here are a few of the top things which can get in the way of your goal to save money:

Filed Under: Personal Finance Tagged With: Budget, money, personal finance, saving money

Galen Call February 15, 2012

It Is Easier to Spend Less Than Make More

No matter how much or how little you’re paid, you’ll never get ahead if you spend more than you earn.

This little piece of wisdom is incredibly common sense when you think about it, yet with so many Americans in debt it’s clear that not everyone follows it in practice.

Living within your means is one of the best ways that you can save your money and set yourself up for financial freedom and prosperity.

Living within your means is very simple, it means that you are spending less money than you are making.

Filed Under: Personal Finance Tagged With: Budget, Savings, spending

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GALEN CALL
Manager, Reverse Mortgage Division
American Pacific Mortgage Corporation
dba TreeHouse Mortgage Group
Call Today: 831-645-1164
Fax: 831-643-1161
Galen@TreeHouseMortgage.com
NMLS #226129 | DRE #00908338
APMC DRE #01215943 | APMC NMLS #1850

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Licensed by the Department of Corporations under the California Residential Mortgage Lending Act

California zip codes served: 93940, 93901, 93905, 93908, 93921, 93933, 93943, 93950, 93953, 93955, and 93962

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Copyright © 2021 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

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288 Pearl Street
Monterey, CA 93940
Branch NMLS# 150751

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