B & B Real Estate | Holyoke Real Estate, South Hadley Real Estate, Northampton Real Estate



34-36 Wolcott St, Holyoke, MA 01040

Multi-Family

$269,000
Price

2
Units
2,834
Approx. GLA
WOW!!! Excellent two family with a finished third floor. This home features vinyl windows, vinyl siding, hardwood flooring, nice yard, freshly painted, enclosed porch and so much more... Easy to show.
Open House
No scheduled Open Houses

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Personal financial in your twenties comes with a steep learning curve. One minute you’re studying for your finals and the next you’re expected to suddenly know about APR financing, 401(K)s, and fixed-rate mortgages.

If you’re in your twenties and are facing these new challenges, you’re probably equal parts terrified and excited for the future. And, although it can be anxiety-inducing to step into the world of personal finance, you have one tool to your advantage that your parents and grandparents didn’t have: the internet.

So, in this article, we’re going to give you some tips about buying a home and managing your finances in your twenties.

Have an emergency fund

You probably have a lot of things you want to save for. Down payments on mortgages and auto loans, saving money for traveling, beginning your retirement funds, and maybe even starting a family; they’re all important investments that will take time and financial planning to achieve.

However, one thing that many young people neglect when they first start saving is an emergency fund. There are any number of things that can throw a wrench in your plans in your twenties. You might lose a job and have to live off of savings while hunting for a new one. Maybe something goes wrong with your car and it costs hundreds to repair. Or, you could have unforeseen medical expenses that aren’t covered by your insurance. Regardless of the reason, having an emergency fund will help you stay out of unnecessary debt.

It’s recommended to have at least 6 months of living expenses saved in your emergency fund. Once you have this amount saved, it’s a good idea to keep it in a separate account to avoid spending it on things that aren’t exactly an emergency.

Don’t live above your means

We all know that buying a house, going to college, and even buying groceries are all exponentially more expensive than they used to be. However, it’s still important to try to adjust your lifestyle to the things you can afford.

This includes the vehicle you drive, the first home you buy, and even smaller purchases you make.

Avoiding lifestyle creep

Related to our last point about living above your means, lifestyle creep is the phenomenon that occurs when you get a raise or a higher paying job: the more we make, the more we spend. However, it’s possible to avoid this trend by keeping your finances in check.

The next time you get a raise, make sure that money is put to use in either your retirement fund or savings account. This method is based on the goal of “giving every dollar a job.” When every dollar you earn has a purpose, you’re less likely to spend it on new video game consoles every six months.



1071-1073 Dwight St, Holyoke, MA 01040

Multi-Family

$259,900
Price

2
Units
2,374
Approx. GLA
Great opportunity to own this large 2 family home that has been well cared for inside and out. The home features hardwood flooring, updated kitchen and baths, separate utilities, replacement windows, and so much more.
Open House
Sunday
October 10 at 10:00 AM to 12:00 PM
Great two family with finished attic. All separate utilities, hard wood flooring, replacement windows, porch, built ins, fireplaces and so much more,,,
Cannot make the Open Houses?
Location: 1071-1073 Dwight St, Holyoke, MA 01040    Get Directions

Similar Properties




1071-1073 Dwight St, Holyoke, MA 01040

Multi-Family

$259,900
Price

2
Units
2,374
Approx. GLA
Great opportunity to own this large 2 family home that has been well cared for inside and out. The home features hardwood flooring, updated kitchen and baths, separate utilities, replacement windows, and so much more.
Open House
No scheduled Open Houses

Similar Properties




316 Homestead Ave, Holyoke, MA 01040

Single-Family

$214,900
Price

7
Rooms
3
Beds
1/1
Full/Half Baths
Very nice three-bedroom cape style home that features 7 rooms, 3 bedrooms, one and half baths, two car garage. Gas heat, wood flooring and so much more.
Open House
Tuesday
October 05 at 2:00 PM to 4:30 PM
Please call to make an appoint thru showing time Thank you
Cannot make the Open Houses?
Location: 316 Homestead Ave, Holyoke, MA 01040    Get Directions

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