Ready to say good bye to 2008? With the dawning of brand new year upon us and the dire need for change perhaps leaving the old way of thinking behind us is exactly what is in order for the coming year.
GOING GOING... GONE! 
Should be the notion that no money down was a good idea.
That refinancing later will save your house.
That skipping a mortgage payment can be made up later.
That "stuff" is more important than needs.
That your home was an inexhaustable source of extra money.
That budgets are for sissies.
That a bigger costs as much to buy/own/operate as a smaller one does.
WHAT NOT TO EXPECT IN 2009
Immediate Change
An Instant Cure to the recession or Instant Improvement in the Housing Market
EZ credit
Sellers giving their houses away.
Banks lending to irrresponsible borrowers.
Previous "Bad" credit not mattering.
WHAT TO DO TO IMPROVE YOUR SITUATION IN THE COMING YEAR
- Set a Realistic monthly budget
- Set aside whatever money you can for unexpected expenses.
- Plan for the worst and prepare for the best
- Sell off unwanted ityems for extra money
- Define very clearly wants from needs
- Be practical.
Good luck and May the Coming Year Bring With It the Hope, Health and Happiness
St. Cloud Florida Real Estate Broker/Associate,
St. Cloud Florida Homes For Sale, Buying HOMES In St. Cloud Florida, Real Estate Agent specializing in Osceola County Homes ,Townhomes, vacation properties, land, & Investment Properties-Allison Knows Osceola County, Fl.
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Very well put. I can agree with all of what you wrote. We need to return to common sense of budgets, and budgeting.