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Your Guide to October
There’s more to October than Halloween!
World Mental Health Day
Nearly 1 in 5 U.S. adults lives with a mental illness.[1] Visit the National Alliance on Mental Health to learn about advocacy and how you can help educate those around you.
Get Smart About Credit Day
Join with financial institutions across the country to educate teens and young adults about the importance of good credit. (And refresh your own knowledge, while you’re at it!).
World Food Day
17% of American children experience food insecurity.[2] Raise awareness and collect donations for your local food bank to help fight hunger in America.
Sweetest Day
If you really screwed up Valentine’s Day this year, here’s your second chance! Offer small gifts or sweet notes to your loved ones, and kindness to all.
Halloween
Go ahead, buy all that candy — we know somebody (😉) will eat it. Happy Halloween!
Your credit score isn’t just for securing a home or auto loan or applying for a new credit card anymore. Nowadays, that little three-digit number can also affect your ability to get a good rate on your insurance or even get a new job. Take care of your credit score with these tips.*
Continue paying your bills on time.
Your payment history matters. Settle any past due accounts, including parking tickets and library fines. If they’re sent to collections, it can negatively impact your score.
Pay down your debt diligently.
Accumulating too much debt is not only financially risky, it also can prevent you from qualifying for new credit when you actually need it. Always try to pay your credit card balances off when the bill comes. If you can’t quite manage that, pay more than the minimum whenever possible. Interest adds up quickly!
Don’t apply for new credit too often.
This can actually affect your score negatively, as each application can knock your score down several points. Changes to your score can affect the loan amount and terms you qualify for.
Sources: [1] National Alliance on Mental Health, [2] Save the Children
*We are not a credit counseling or financial advisement firm. This information is for educational purposes only and is not to be taken as guidelines or guarantees to improve your credit or financial situation or of eligibility to secure a home loan.
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Winding Brook
115 Tennis Plaza
Dracut, MA
| 2 bedroom, 1.5 bath townhome with 1c garage in desirable Winding Brooks Condominium!! |
Your Guide to September
September days are here!
Labor Day
It’s summer’s last hurrah! Enjoy the long weekend as we transition to fall weather and activities.
9/11 Remembrance Day
On this National Day of Service and Remembrance, we can honor those we lost by giving back to our communities.
Grandparents’ Day
Here’s to all the grandparents! For the many ways they love, support, and spoil us, say thank you today.
Rosh Hashanah
This holy day on the Jewish calendar marks the beginning of the new year, celebrated with festive meals, self-reflection, and other time-honored traditions.
First Day of Fall
Get ready to turn over a new leaf: Fall is here! Enjoy the harvest season.
National Voter Registration Day
Your vote counts! Register to vote and make sure your voice is heard in the upcoming election.
NEW LISTING!
16-18 Mason Ave, North Billerica
$499,900
| Rare Find! Duplex style 2 Family home in close proximity to the MBTA train station! Each unit has 3 bedrooms all with hardwood floors, a half bath on the first floor and full bath on 2nd floor, formal living rooms & formal dining rooms both with hardwood floors, large kitchens, a mudroom, walk up attics, private laundry in the basement. Unit 16 has a bonus finished family room in the basement and a private patio area outside. While unit 18 has a 10×14 private deck. Shared enclosed front porch and shared shed out back. Property also offers a 2 car detached garage with storage area! Both units have a lead compliant certificate. 16 Mason tenants are currently “Tenants at Will” while the 18 Mason tenant’s lease is through September, 2020. |
Your Guide to August
Book Lover’s Day
Being a bookworm has a lot of benefits, like better focus, less stress, and a bigger vocabulary. Trade your screen time for a page-turner today!
Vinyl Record Day
Vinyl is making a big comeback these days. Maybe it’s nostalgia, or maybe it really does sound better than digital. Dust off the record player and decide for yourself.
Financial Awareness Day
Are your current money moves setting you up for future success? Re-evaluate your financial goals and make sure you’re on track to meet them.
National Relaxation Day
Ignore your to-do list today and kick up your feet. Here’s another chance to get lost in your new favorite book, or spin your latest vinyl record find!
National Dog Day
Celebrate (hu)man’s best furry friends and the joy they bring to our lives! Show your pup some love today with an extra treat, belly rub, or walk to the park.
Women’s Equality Day
This year marks the 100th anniversary of women’s right to vote and honors the historic victory of the suffragette movement.
With summer winding down and the new school season just around the corner, August offers the perfect reprieve to check in on yourself and your well-being. Take a little “me time” this month to ensure you’re staying healthy and happy.
Get Plenty of Sleep.
You’ve heard this a gazillion times, but how often are you guilty of sacrificing sleep for something less important? (We’re looking at you, Netflix, and you, too, mindless Facebook scrolling.) Chronic lack of sleep leads to all sorts of health issues, such as mood disorders, obesity, diabetes, and heart disease, so make snoozing a top priority. Schedule a nightly routine that you can follow, such as turning off the TV and phone an hour before bed. Read a book, write in your journal, or meditate to calm your mind instead. Avoid eating or drinking close to bedtime, and use room-darkening curtains to create a restful environment and minimize distractions.
Stress less.
Stress can wreak havoc on your physical and mental health if left unchecked. While there’s no magic switch to turn off stress, there are things you can do to manage it better. Setting goals and creating daily or weekly to-do lists can give you a better sense of control over your responsibilities and help you feel less overwhelmed by them. Also, limit your time on social media. You may think checking your IG for the 37th time today gives you a mental break, but the constant overstimulation, access to information, and added social pressures can do more harm than good. Be sure to move often, preferably outside if you can. Sunshine, fresh air, and exposure to green spaces offer psychological benefits that help reduce stress. Remember to eat well, and get support from friends and family when you need it.
Make time for what matters.
Practicing self-care is about more than bubble baths and breakfast smoothies. Taking good care of yourself means prioritizing the things in your life that are important to you so that you can enjoy your life to the fullest. Perhaps that’s spending more quality time with the kids, finally re-decorating your home office, or maintaining an active social life. But remember to take time out for just you, too. Allowing yourself to recharge helps avoid burnout and enables you to continue to care for others, whether that’s your family, your home, your work, or all three. Make time for the things that make you happy, and remember that sometimes, it’s ok to do nothing.
The information in this article is not intended to replace the care and advice of your doctor.
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27 Topliff St, Billerica
Sold for $410,000
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2 Eastview Ave, Billerica
Just sold for $499,900
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