Lauren Davis
REALTY EXECUTIVES Boston West | 508-254-0449 | [email protected]


Posted by Lauren Davis on 11/4/2015

Credit cards can be a great source of safety and  convenience but they can also be trouble. Buy now and pay later can have serious consequences and lead to financial trouble. So in order to stay financially fit it is important to use your credit cards wisely. Here are a few tips to help you make the most of your credit cards: • This seems simple but pay off your balance every month in full.  Interest charges on your credit card purchases can add up fast. • If you do carry a balance, pay back as much as you can as quickly as possible. You don't have to wait until the payment due date. • Avoid using your credit card to withdraw cash or transfer money. Interest is charged on these transactions immediately. • If you are considering a card with an annual fee, be sure that whatever reward or benefit you're getting is worth the cost. Bottom line stay within your budget. Only use credit cards for things you can afford. If you can't afford it don't buy it. You will be much happier without the new sweater when you have enough money to buy a new home.





Posted by Lauren Davis on 9/30/2015

Saving money when you have a family can be difficult. There are so many everyday expenses that make it hard to start saving for college, retirement and other looming expenses. Here are some ways to start planning for your family's financial future: Start a college fund: College may seem far away but it is a huge expense that can creep up on you. Start saving now, the sooner the better. Even as little as $100 a month will add up. Open a 529 college savings plan to use specifically for college expenses. Buy life insurance: Life insurance gives your family a peace of mind. and the ability to afford the expense of final care and burial.  The death benefit will provide financial security for those family members who are left behind. Have a will: When a person dies without a will, the state decides who gets what, without regard to the deceased wishes or their heirs' needs. Creating a will that spells out one's wishes protects their family's financial future.





Posted by Lauren Davis on 8/19/2015

Composting is becoming a more and more popular way to save money and be more eco-friendly. There are many reasons to compost but some of the most enticing are it costs next to nothing, and if you're a gardener or have any landscaping at all, your compost pile will save you money. Compost can be used instead of expensive fertilizer and because you are reusing your yard waste you might be able to save on municipal trash removal costs. Here are some easy tips on how to get started composting: Storage You may decide to go with either an open or closed storage system. Containers keep the compost materials neat and tidy and can be built inexpensively from discarded shipping pallets, fencing or chicken wire or leftover treated lumber from another building project. You can also purchase many different types of composting bins. The least expensive way is to start a compost heap. Make the pile at least 6' x 6' and about 5' to 6' high in the middle. Anything smaller will maintain low temperatures and will take longer to decompose. Where should I store it? Try and store your compost pile in partial shade. This will keep it from drying out too fast. The location should also have good drainage. What should I compost? Compost any of the yard waste like fresh grass clippings, dry leaves, dry grass, and wood shavings. Add food waste like vegetable and fruit scraps, breads, pastas, coffee grounds, egg shells, and tea bags. Do not put meats or fats in your compost pile. These food wastes will attract animals and rodents to your bin. Paper towels, toilet paper tubes and other shredded paper products can also be added to your compost bin. Manures from cows, horses, chickens and any non-meat eating animals are excellent nitrogen sources for starting the decomposition process. Compost has so many benefits; it loosens clay soils and helps sandy soils retain water. It works as a natural fertilizers and can suppress plant diseases and pests. Gardens that are composted produce higher yields of healthier fruits, vegetables and flowers.





Posted by Lauren Davis on 6/24/2015

Did you know your credit score is always changing? Your credit score could be one number on one day and a different figure the next and even vary from one credit reporting agency to the next. Your credit score also known as your FICO score is based on the information contained in your credit record. Since your credit file is always changing so is your score. Your credit record changes every time a company you have credit with reports an on-time payment — or more important, a missed payment that's now more than 30 days late. Your score changes each time your credit card balance changes or you apply for new credit. There are three main credit reporting agencies; Experian, TransUnion and Equifax. Another factor that could affect your score is that not all lenders report to all agencies. To know your credit score you can pull a free credit report from all three agencies once a year. Look for missing or incorrect information. It is important to get that resolved as soon a possible. Click here for more information on obtaining a free credit report.





Posted by Lauren Davis on 5/20/2015

Ceiling fans are an inexpensive way to help with the heating and cooling of your home. You can find many that cost under $100 and they have little ongoing cost. And for those of you who like DIY projects, this one will take you a couple of hours to upgrade an existing light fixture. While ceiling fans don’t drastically lower the temperature in a room, they do help to reduce it slightly as well as produce a light breeze which makes you feel cooler. The result? Less use of the air conditioner that results in 3-8% savings on cooling costs. Remember that in the summer months, your fan’s blades should be moving counter clockwise. In the winter months, ceiling fans can take on a whole new role. When you reverse the fan’s blades to rotate clockwise, you cause the air to circulate without causing that chilly breeze. This allows for better circulation of the warm air that naturally rises to the ceiling. It’s often best to have the fan speed set to low in the winter to avoid too much air movement and the effects of a breeze. Lastly, and maybe the most important, is the decision on which fan to purchase. There are few things to keep in mind when you are out shopping for a ceiling fan. 1. The size of the room – ceiling fans come in all sizes and choosing one that is meant for your home’s room dimension is key. It’s recommended that you choose a 40-42 inch blade span for a room 70-100 sq feet and a 42-48 inch for 100-140 sq feet. A room that’s bigger may need two small fans to be effective. 2. The location of the installation – for rooms with lower ceilings, a flush mount ceiling fan will work best, while rooms with high ceilings will need a down rod so that the fan is in the right place. You also want to make sure for areas such as an enclosed porch, that you check out the UL (Underwriters Laboratories) rating to ensure the fan has either a damp or wet rating. 3. Finally, you want to pick a fan that fits your decor and life style. Fans come in all sorts of styles and can have features from various lighting to remote controls. Changing a current light fixture in your home to a ceiling fan can saving you hundreds over the life of the fan. Especially with Energy Star rated ceiling fans available, savings can add up quick.