Michelle Gillespie - Keller Williams Realty



Posted by Michelle Gillespie on 5/6/2018

For many of us, it can seem like our paychecks are gone before we even get a chance to see them. With seemingly endless bills and expenses, both recurring and unforeseen, saving up for a house is a daunting task.

Fortunately, there are ways you can prepare yourself for those intimidating down payments and many closing costs.

In this article, we’re going to walk you through how you can start saving for a home right this moment. After all, every day is another day you could be contributing to your savings and taking another step closer to owning your own home.

Use a Budgeting Tool

The first step to saving and determining how much you can save is to start budgeting. Many people hear the term “budget” and get nervous thinking they’ll have to start counting the number of coffees they buy. However, there are less anxiety-inducing ways to budget.

From your phone, tablet, or computer you have access to a large number of free budgeting tools. Mint, You Need a Budget (YNAB), and PocketGuard are three of the top budgeting tools that will get you started.

With apps that integrate with your bank accounts and loan balances,  there is little work required on your part. Just set an amount to save each week or month, and direct the funds into your savings account.

Set up a dedicated savings account

Speaking of savings accounts--now is a great time to set up a new one. It’s almost always free to open a new account with your bank. What’s more, it’s a lot less tempting to pull from a savings account when it’s labeled something like “HOUSE SAVINGS - DO NOT TOUCH.”

Once you have your budgeting app and bank account set up, it’s time to dig into some of the ways you can save money without skipping meals.

Cutting Monthly Expenses

Rather than telling yourself you can’t buy any more fancy Starbucks drinks anymore until you have a house (don’t torture yourself), make a list of all your monthly expenses. That can include anything from Netflix and Spotify to haircuts and car washes.

A great way to make this list is to go through your credit and debit card transactions. If you have autopay set up, you might not even realize how many services are withdrawing directly from your accounts each month.

For each item on your list, determine if you can either eliminate the expense or spend less on it. Maybe you go for the deluxe car war rather than the basic. Or, you might pay for services you don’t use as much as you used to.

If you’re worried about having no entertainment if you drop Hulu, Netflix, and Amazon Prime, you could try out your local library system. Most of the time you can have books, movies, and music shipped for free from all around your state.

When it comes to cable, cell phone plans, car insurance, and other monthly bills give your provider a call and tell them you’re thinking about switching over to a cheaper competitor. They’ll likely offer you a discounted rate. If they don’t, follow through on your promise and call other providers to see if you can get better rates.





Posted by Michelle Gillespie on 5/4/2018

This Single-Family in Northborough, MA recently sold for $455,000. This Split Entry style home was sold by Michelle Gillespie - Keller Williams Realty.


50 Longfellow Road, Northborough, MA 01532

Single-Family

$450,000
Price
$455,000
Sale Price

8
Rooms
3
Beds
2/1
Full/Half Baths
A must see! Updated 3 bedroom & 3 bathroom home in one of Northborough's most sought after neighborhood. Open floor plan w/many updates throughout. Updated kitchen w/new granite counters, sink, faucet, upgrade cabinets, newly refinished floors, gas cooking, new lighting & painted. Living room, newly painted, recessed lighting w/gleaming hardwood floors. Three good sized bedrooms all newly painted w/recessed lighting, closets & refinished hardwood floors. Updated master bathroom w/tile floor, vaulted ceiling, deluxe spa unit and newly painted. Main bathroom with new granite counter, sink & toilet, tile floor, tub and shower. Lower level w/newly painted family room, new carpet, fireplace w/wood stove. Updated office in lower level, newly painted w/new carpet. Lower Level bathroom & laundry room. New roof less than 2 yrs old, vinyl siding, gas heat & central air. Prof Landscaped. Town water & sewer connection on street. Betterment paid in full. Close to major highways and commuter rail.

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Categories: Sold Homes  


Posted by Michelle Gillespie on 5/4/2018

This Single-Family in Northborough, MA recently sold for $455,000. This Split Entry style home was sold by Michelle Gillespie - Keller Williams Realty.


84 Valentine Road, Northborough, MA 01532

Single-Family

$479,900
Price
$455,000
Sale Price

7
Rooms
3
Beds
2/1
Full/Half Baths
Updated 3 bedroom & 2.5 bathroom home located in sought after neighborhood Northborough Farms, boasting the best lot in the neighborhood. Living room w/new bay window, new railing, banister & refinished hardwoods. Dining room w/built-in buffet sideboard w/granite countertop & new slider leading to oversized deck area. Updated Gourmet Kitchen w/stainless steel appliances, gas cooking, glass tile backsplash, granite countertops, custom Kraftmaid cabinets, breakfast nook bar & hardwood floors. Master bedroom w/hardwoods & closet. Master bathroom w/tiled shower, tile floor & granite counter. All bedrooms w/hardwood floors & closets. Main bathroom w/tile floor, tile shower/tub & granite counter. Finished lower level w/large family room and fireplace. Lower Level w/bathroom & laundry room. Gas heat. Central Air. Vinyl Siding. Large garage w/new garage doors & paved driveway. New Patio w/basketball hoop. Landscaped lot w/level yard.

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Categories: Sold Homes  


Posted by Michelle Gillespie on 5/3/2018


17 Crownridge Rd, Westborough, MA 01581

Single-Family

$725,000
Price

11
Rooms
5
Beds
3/1
Full/Half Baths
Elegant Colonial in excellent neighborhood, this five bedroom updated home exudes quality craftmanship & design. With a warm inviting foyer leading to formal front to back living room w/hardwood floors. Formal dining room w/hardwoods & built-in wine rack. Gourmet style kitchen w/custom cabinets, kitchen island w/cooktop, granite countertops, stainless steel appliances & dining area w/cathedral ceiling. Large family room w/fireplace, skylights & wall of windows w/great natural light & access to deck area. Master suite w/walk-in closet, hardwood floors & master bath w/jacuzzi tub, custom built cabinets, tile floor. 2nd Flr with two other bedrooms both w/hardwood floors & closets. Full bathroom w/tile floor. Third Floor has two bedrooms w/hardwood floors, closets & full bathroom. Finished LL w/recreation room, exercise room & storage area. Amenities - Central Air, Gardens, Lawn Sprinkler System, Town Water & Sewer, New Roof & Gutters, Newly Painted, Updated Windows & Doors, Two Car Garage
Open House
Sunday
May 06 at 2:00 PM to 3:30 PM
Cannot make the Open Houses?
Location: 17 Crownridge Rd, Westborough, MA 01581    Get Directions

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Categories: Open House  


Posted by Michelle Gillespie on 5/3/2018


17 Crownridge Rd, Westborough, MA 01581

Single-Family

$725,000
Price

11
Rooms
5
Beds
3/1
Full/Half Baths
Elegant Colonial in excellent neighborhood, this five bedroom updated home exudes quality craftmanship & design. With a warm inviting foyer leading to formal front to back living room w/hardwood floors. Formal dining room w/hardwoods & built-in wine rack. Gourmet style kitchen w/custom cabinets, kitchen island w/cooktop, granite countertops, stainless steel appliances & dining area w/cathedral ceiling. Large family room w/fireplace, skylights & wall of windows w/great natural light & access to deck area. Master suite w/walk-in closet, hardwood floors & master bath w/jacuzzi tub, custom built cabinets, tile floor. 2nd Flr with two other bedrooms both w/hardwood floors & closets. Full bathroom w/tile floor. Third Floor has two bedrooms w/hardwood floors, closets & full bathroom. Finished LL w/recreation room, exercise room & storage area. Amenities - Central Air, Gardens, Lawn Sprinkler System, Town Water & Sewer, New Roof & Gutters, Newly Painted, Updated Windows & Doors, Two Car Garage
Open House
Sunday
May 06 at 2:00 PM to 3:30 PM
Cannot make the Open Houses?
Location: 17 Crownridge Rd, Westborough, MA 01581    Get Directions

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Categories: New Homes  




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