Office - Portside Real Estate


Your thirties are a time of many important financial decisions. Many people are starting families, buying homes, and getting settled into their careers by the time they turn thirty. The following ten years are often marked by salary increases, moving into larger homes, and saving for retirement.

It’s vital to have a solid grasp on personal finance in your thirties, as it is in many ways the foundation of your finances for the decades to come. So, in this article we’re going to give you some advice on buying a home and managing your money in your thirties.

Straighten out your credit

If your twenties were a volatile time of incurring debts from student loans, car loans, and other expenses, then it’s paramount to get your credit in order in your early thirties. Having a high credit score can secure you lower interest rates on a home loan or let you refinance your loans at lower rates.

Start by making sure your bills are on auto-pay, and be sure to settle any older debts from your younger years. You can also use a credit card for recurring expenses, such as gas to get to work or groceries, and then pay them off in full each month. This way, you’ll build credit and avoid accruing  interest at the same time.

Reevaluate your lifestyle and long term goals

A lot can change from the time you turn 25 to the time you turn 35. Your goals might shift from finding a home near the ocean to finding a home near a good school district for your children. You might also have the shocking realization that your children will be heading to college sooner than it might seem, and that you’re still working on paying off your own student debt.

Consider things like the size house you’ll need for your family, where you want to live and whether that involves being close to aging parents, and reallocating money depending on your retirement goals.

Rethink your insurance coverage

Gone are the days when all you needed was a car insurance policy to get by. As you age and your responsibilities grow, you’ll need to think about the future for you and your family. That may include a more comprehensive health insurance plan for your family, a life insurance policy for yourself, or increased covered for home and auto insurance.

Automate the headaches away

With all of these growing responsibilities, it can be easy to get frustrated with the time you’re losing to keeping your finance in order. Fortunately, there are many tools at your disposal in the internet age that will make all of those responsibilities an afterthought.

First, get a budget planning app, like Mint or You Need a Budget (YNAB). Next, set up your bills to auto-pay if you haven’t yet. Then, put reminders in your phone to periodically check your credit score and reassess whether you need to pay for certain monthly services (do you still watch Hulu?). Finally, if you haven’t yet, make sure you have your paychecks direct deposited into the accounts you’d like them to enter so you don’t have to worry about them.



521 West St, Duxbury, MA 02332

Condo

$359,000
Price

5
Rooms
2
Beds
2/1
Full/Half Baths
This end unit townhouse offers the space of a single family home with the convenience of maintenance-free condo living. Enter through the grand foyer with cathedral ceiling and driftwood-look tile to find a first floor that offers an open layout. The bright living room and dining spaces are separated by a custom granite counter with built in storage and seating. The large, bright kitchen leads to a deck perfect for grilling. A half bath with laundry completes the first floor. The second floor features an open landing with large skylight, a master suite with two walk in closets and a full bath, a 2nd full bath as well as a second bedroom with two closets. The walkout lower level features a family room with sliders to the backyard, an office and ample storage. All this and a 1-car garage! Conveniently located just moments from the highway and 5 miles to Duxbury Beach! Pets under 25lbs ok with approval.
Open House
Sunday
November 18 at 1:00 PM to 3:00 PM
Cannot make the Open Houses?
Location: 521 West St, Duxbury, MA 02332    Get Directions

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521 West St, Duxbury, MA 02332

Condo

$359,000
Price

5
Rooms
2
Beds
2/1
Full/Half Baths
This end unit townhouse offers the space of a single family home with the convenience of maintenance-free condo living. Enter through the grand foyer with cathedral ceiling and driftwood-look tile to find a first floor that offers an open layout. The bright living room and dining spaces are separated by a custom granite counter with built in storage and seating. The large, bright kitchen leads to a deck perfect for grilling. A half bath with laundry completes the first floor. The second floor features an open landing with large skylight, a master suite with two walk in closets and a full bath, a 2nd full bath as well as a second bedroom with two closets. The walkout lower level features a family room with sliders to the backyard, an office and ample storage. All this and a 1-car garage! Conveniently located just moments from the highway and 5 miles to Duxbury Beach! Pets under 25lbs ok with approval.
Open House
Sunday
November 18 at 1:00 PM to 3:00 PM
Cannot make the Open Houses?
Location: 521 West St, Duxbury, MA 02332    Get Directions

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6 Cedar St, Kingston, MA 02364

Rocky Nook

Single-Family

$439,900
Price

6
Rooms
3
Beds
2
Baths
Welcome to 6 Cedar Street where the living is easy! Charm and a carefree life by the sea characterize this 3 bedroom, 2 bath cape in the heart of Rocky Nook. Thoughtfully updated and well-maintained, 6 Cedar offers an open floor plan with flexible space for today's lifestyle. A true cook's paradise, the kitchen artfully combines aesthetic and utility with stainless counters, a granite breakfast bar, and abundant cabinetry. A fireplace anchors the dining room and a spacious front-to-back family room creates endless living/entertaining possibilities. A full bath and laundry area complete the main level. Upstairs, the expansive master features cathedral ceilings, ample storage and seasonal peeks of Jones River. Two additional bedrooms and a full bath finish the second floor. A full, walkout basement opens to a landscaped yard, an outdoor shower, 2 decks and an abutting lot for frontage on two streets. Nothing to do but bring your beach chair to the sandy beach at the end of the street.
Open House
Saturday
November 17 at 1:00 PM to 3:00 PM
Cannot make the Open Houses?
Location: 6 Cedar St, Kingston, MA 02364    Get Directions

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This Condo in Brockton, MA recently sold for $199,900. This Mid-Rise style home was sold by Office Portside - Portside Real Estate.


147 Centre Street, Brockton, MA 02302

Condo

$199,900
Price
$199,900
Sale Price

5
Rooms
2
Beds
2
Baths
LOCATION and STYLE! This amazing loft is open concept and conveniently located across from the T Station. A COMMUTERS dream and luxury living. Beautiful exposed brick and beams and high ceilings add to the character of this sunny space. Kitchen and dining open to a spacious living area with large windows. Master bedroom with full bath and great size second bedroom with walk in closet. Laundry perfectly located within the unit. Extras for "Lofts at SoCo" include a gym, media room available for functions and oversized assigned storage space. Building and parking are secure with a key-less entry and gate. This wonderful downtown location is a short distance to all the new retail and restaurant.

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