Dorrinda O’Keefe-Shea - CENTURY 21 Toomey-Lovett, Inc Centurian 2012 Top Producer Diamond Award


This Single-Family in Dudley, MA recently sold for $338,000. This Ranch style home was sold by Dorrinda O'Keefe-Shea - Century 21 NS Group.


10 Ridge Dr, Dudley, MA 01571

Single-Family

$350,000
Price
$338,000
Sale Price

8
Rooms
3
Beds
2
Baths
One owner Ranch first time on the market is in meticulous condition, located on a dead end street. Set on a sunny large impressive lot, step out your backdoor and you will see your private fenced in yard and in-ground pool with patio for entertaining. Backed by wooded area. Large in-ground pool is great for family gatherings an home is perfect for every life style. Cathedral ceiling sun-room with 3 sliders to back yard patio and pool . Perfect for dining and relaxing all year around. 2 car attached garage with full attic access and side entrance to main house. Don't let this one pass you by, move in ready and just waiting for you to call 10 Ridge Drive Home! Convenient Commuter access to major highways!

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This Single-Family in Belchertown, MA recently sold for $175,000. This Ranch,Cottage style home was sold by Dorrinda O'Keefe-Shea - Century 21 NS Group.


37 Poole Rd, Belchertown, MA 01007

Single-Family

$173,000
Price
$175,000
Sale Price

5
Rooms
2
Beds
1
Baths
Looking for a place for a stay-cation?. Single floor living, dead end road, and a lake view! What??? Adorable country cottage within walking distance to Lake Metacomet and the public boat ramp. Perfect for just starting out or downsizing. Large retro, knotty pine kitchen that is bathed in afternoon sunlight with a picture window to enjoy bird watching. Two good sized bedrooms and a bonus tandem room, office? Den? Don't forget the over sized one car garage. Yes, it needs some updating if you're not into knotty pine, hence the price. Grab your kayak or ice fishing gear and enjoy the lake. A ten minute drive to Atkins Farm. Appreciate the low Belchertown price with a seventeen minute commute to downtown Amherst! Seller will be reviewing offers Monday at 5 pm.

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If budgeting isn’t your thing, you’ll be glad to discover that it’s quite simple. There’s a way to categorize your spending and save money easily. If you learn the rule, it will become so automatic that you won’t even think about it. If you’re saving money for a home, this practice will be essential. Break your budget down into three categories: 


  • Living expenses
  • Financial goals
  • Personal spending


Half of your budget should go towards living expenses. This number includes all of the essentials like rent or mortgage, utilities, groceries, commute costs, and insurances. 


20 percent of your income should go towards other financial goals like savings, investments, or paying down debt. Credit card bills, student loans, and other bills would fall under this category. This category is also where you’d save for your down payment, closing costs, and other expenses. This percentage can be adjustable depending on how much debt you have or how much you need to save for retirement. 


The remaining 30 percent of your income can go towards personal spending. This category includes everything that you use your money for but isn’t a necessity. This percentage is also flexible. If your lifestyle doesn’t require you to use all 30 percent each month, you can indeed save more money.


A Clear Plan 


These categories simplify your budget. Even if you make some adjustments to the numbers, the outline truly makes budgeting easy even for the most scatterbrained among us. It allows you to see where your money goes clearly. It also works no matter what kind of living situation you have.


The great thing about this budgeting plan is that you have some future needs built into it. Many times, when we budget, we think of our immediate needs and our shorter term goals. Saving for any occasion can never happen too early. You are able to not only focus on your current goals and the future.   



Steps


First, determine your monthly income. This number is how much money you take home after taxes. From here, you’ll be able to split your money into categories by percentages. If your income fluctuates frequently, you’ll need to take an average of your monthly income to determine your numbers. 


Next, you should take a look at your spending habits. These include everything from your morning latte to your monthly rent payment. From here you can make adjustments. Perhaps you need to look for a less expensive apartment. Maybe you need to cut down your weekly pizza to a bi-monthly purchase. Whatever you see in your finances, a simple percentage rule gives you the tools you need to become a saver and be well on your way to the purchase of your first home.     




34 Pleasant St, West Brookfield, MA 01585

Land

$125,000
Price

2.70
Acres
Commercial
Land Type
Industrial Develop-able Land for Sale in West Brookfield. 2.7 Acre lot waiting to be developed. Location is right off Main Street Business area which is a busy location with constant traffic flowing on RT 9. Suitable for various business Retail, Commercial or industrial establishments. Sellers will consider all serious offers. Everyone must wear mask and gloves and follow Covid-19 protocol.
Open House
No scheduled Open Houses





40 Crescent St, Ware, MA 01082

Single-Family

$198,000
Price

5
Rooms
2
Beds
1
Baths
You will fall in love with this adorable Cape with 2 bedrooms and 1 full bath. On a beautiful corner lot with shade tress's and a paved drive.Great starter home or downsizing! This home has a lot of character like rounded doorways and built-ins in the foyers area. Enjoy morning coffee in your bright , enclosed front porch.Updated Roof, Siding, Windows and Furnace. Town water and sewer. This home has a great level back yard for entertaining family and friends. Walk out basement with small patio area and one car garage under with plenty of room for a workshop! Walk-up attic is great for storage too. Come see this home and make it your own! Great commuter location, close to major routes.
Open House
No scheduled Open Houses






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