Divide your income among needs, wants, savings and debt repayment, using the 50/30/20 budget. <a href="https://www.nerdwallet.com/article/finance/how-to-budget">Read more</a>

Budgeting 101: How to Budget Money

Growing up in Southern Ontario, I have experienced mid-sized city living (Burlington), big city living (Mississauga) and smaller community living (Grimsby and Stoney Creek). Each community is unique, and I count myself as lucky to have been immersed in them all.Real estate is about building relationships, and, as my ‘every day’ business, I pride myself on engaging with clients individually to provide for them the best possible service. My broad neighbourhood knowledge, years of real estate experience and past consumer product sales experience, the skills I have developed, ensure unique benefits to my clients considering selling or buying a new home. I have personal experience with purchasing a condo, a new-build and resale home, my clients have the benefit of these tools for an optimal client experience.An avid train buff, I have collected HO scale models for years. As the proud dad of 4 daughters and one granddaughter, family is an important part of why I do what I do.Even though I live and work in the Niagara/Hamilton area, I have the benefit of an expansive Referral Network to help you buy or sell anywhere in Ontario. This ensures that you get the highest level of service anywhere in our beautiful province.I look forward to assisting you with all of your current and future real estate plans. Helping you is my goal as a REALTOR®Warm regards,John Harberjohnbuyorsell@gmail.com<a href="tel:289-455-5533">289-455-5533</a>&nbsp;

John Harber

Budgeting 101: How to Budget Money

As the year begins it is time for reflection on Budget demands.