Julianne Krutka
Park Square Realty | 413-297-6718 | julianne.krutka@gmail.com


Posted by Julianne Krutka on 9/21/2018

This charming ranch home has been lovingly cared for and in the same family for more than 40 years. Featuring 3 bedrooms and 1 bath, and plumbed for another half bath, you'll find plenty of space in this 1300+sq ft of living space. The remodeled kitchen with tons of cabinet space opens to a floor plan with flexibility, you choose which room off the kitchen you would prefer to be a living/family room or a dining room. This home features a newer roof, replacement windows, a gas fireplace, a completely fenced in yard, an attached garage and is nicely located within walking distance to local schools, downtown Westfield and Stanley Park. This home would be a winner for the beginner or for someone considering a downsize from their current home. Showings will begin at the Open House on Sunday 9/23 from 1:30-3:00.

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Posted by Julianne Krutka on 9/20/2018

If you’re finding that your finances are a bit tighter these days, you might need to adjust your budget a bit. Have you ever thought about alternatives in helping you to pay your mortgage? There’s a few things that you might be able to do in your home to save a few bucks and be more comfortable with your budget and finances. 


Share The Space


This might sound crazy, but it works for many people. If you’re willing to share your living space with others, it could help you to make a dent in your mortgage. This works especially well if you have a home with a separate entrance like an in-law apartment or something similar. 


Make Adjustments To Your Expenses


There are many different costs that come along with owning a home. If you reduce some of these expenses, you’ll be able to cut your overall spending. You don’t need to completely adjust your entire way of living to do this. Some ideas:


  • Cut the cord on cable and install streaming devices
  • Go on a family cell phone plan
  • Skip the gym membership
  • Use public transportation
  • Cook at home instead of eating out
  • Use coupons


Put Tax Refunds To Good Use


If you normally get a tax refund, you can apply that money to your mortgage instead of using it to buy something else. You could also adjust your withholdings. This would allow you to get a bit more money in your paycheck each week. You’ll get less of a refund during tax time, but the extra money may help you to pay down bills throughout the year. 


Pay More Towards The Principal 


To make the most of your hard-earned savings, use your money wisely and pay down the mortgage faster. Just be sure that there’s no penalty for a prepayment of the loan. You can either make an extra loan payment each month or you can pay a bit over what you owe on the mortgage each month. If you pay the mortgage faster, you’ll save potentially thousands of dollars in interest over the life of the loan. You’ll need to check with your mortgage company to see what their process is for paying more towards the principal of the loan. Keep in mind that the first few years‘ worth of your mortgage payments will be going towards interest unless you specify extra payments to go elsewhere.


Whether you’d like a little more of a financial cushion or are just looking to get rid of all those pesky monthly bills, it’s never a bad idea to focus on paying your mortgage down as quickly as possible.




Tags: mortgage   finances  
Categories: Uncategorized  


Posted by Julianne Krutka on 9/19/2018


115 Saint James Ave, Westfield, MA 01085

Single-Family

$189,900
Price

6
Rooms
3
Beds
1
Baths
This charming ranch home has been lovingly cared for and in the same family for more than 40 years. Featuring 3 bedrooms and 1 bath, and plumbed for another half bath, you'll find plenty of space in this 1300+sq ft of living space. The remodeled kitchen with tons of cabinet space opens to a floor plan with flexibility, you choose which room off the kitchen you would prefer to be a living/family room or a dining room. This home features a newer roof, replacement windows, a gas fireplace, a completely fenced in yard, an attached garage and is nicely located within walking distance to local schools, downtown Westfield and Stanley Park. This home would be a winner for the beginner or for someone considering a downsize from their current home. Showings will begin at the Open House on Sunday 9/23 from 1:30-3:00.
Open House
Sunday
September 23 at 1:30 PM to 3:00 PM
Cannot make the Open Houses?
Location: 115 Saint James Ave, Westfield, MA 01085    Get Directions

Similar Properties





Categories: New Homes  


Posted by Julianne Krutka on 9/19/2018


115 Saint James Ave, Westfield, MA 01085

Single-Family

$189,900
Price

6
Rooms
3
Beds
1
Baths
This charming ranch home has been lovingly cared for and in the same family for more than 40 years. Featuring 3 bedrooms and 1 bath, and plumbed for another half bath, you'll find plenty of space in this 1300+sq ft of living space. The remodeled kitchen with tons of cabinet space opens to a floor plan with flexibility, you choose which room off the kitchen you would prefer to be a living/family room or a dining room. This home features a newer roof, replacement windows, a gas fireplace, a completely fenced in yard, an attached garage and is nicely located within walking distance to local schools, downtown Westfield and Stanley Park. This home would be a winner for the beginner or for someone considering a downsize from their current home. Showings will begin at the Open House on Sunday 9/23 from 1:30-3:00.
Open House
Sunday
September 23 at 1:30 PM to 3:00 PM
Cannot make the Open Houses?
Location: 115 Saint James Ave, Westfield, MA 01085    Get Directions

Similar Properties





Categories: Open House  


Posted by Julianne Krutka on 9/14/2018

A Large and truly Unique home tucked away in the woods but with quick access to all the amenities of Northampton and close to local schools! This home is built like a fortress with massive steel beams and yet welcomes you "home" with soaring ceilings and beautiful wooded views from just about every window! You have to see this one up close to appreciate the true meaning of "open concept". You'll be WOWED the minute you walk in the door! This could be your cozy secluded hideaway in the woods or it could be the ultimate place for entertaining in large numbers! Bring your outdoor toys for plenty of indoor storage in the lower level. And with nearly 10 acres to explore you can ride the trails year round from this location. Public record says 2 bedrooms but one of the loft areas is being used as an oversized 3rd bedroom and features it's own bath! The other loft area could easily be a 4th bedroom, a family room or whatever your heart desires. No showings until Open House 9/16 12:30-2.

More Info on this Property | New Listing Alerts