Let's say you're a Charger Fan. Are you happy with how ownership has spent money on the team or do you think they could have done a better job of saving and putting it into a new home (stadium)?

If you're a first time home buyer in La Jolla, California then hopefully you've established a plan to save for your down payment versus spending frivolously on cars, vacations, shopping & entertainment.

Do you have a habit of spending or saving money? Last week I gave some recommendations to first-timers on how to overcome the obstacle of managing debt!

Now it's time to discuss some simple habits that will help you save money. Answer these questions:
  • Do You Save A Reasonable Amount On A Regular Basis?
  • Do You Borrow Heavily For Regular Expenses?
  • Have You Had To Liquidate To Meet Regular Living Expenses?
If you need help saving then it's time to develop a habit! Consider this, it takes 30 days to develop a good habit. Therefore, an established habit of saving money and investing wisely is beneficial and necessary to achieve your goals!


I highly suggest that you allocate a minimum of 5-10% of your gross income to a liquid, interest bearing, savings account.

Please note that this is a minimum requirement as it may take more to achieve certain goals. Do you need help refocusing? If so, stay tuned for my post on creating a budget.

If you're ready to buy then check out some of these featured properties and let us know which one you would like to make an offer on...



As your full service REALTOR® specializing in the beautiful city of San Diego, California, it is my personal goal to provide you with exceptional service. Here is where you will find articles on my personal experiences and Real Estate resources. My local expertise backed by one of the few organizations entrusted to use the world-renowned Berkshire Hathaway name, brings to the Real Estate market a definitive mark of stability, strength, quality and innovation.
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