CHARLES RUTENBERG REALTY INC
CBM Sells Team, CHARLES RUTENBERG REALTY INC
Email: [email protected]

How to Automate Your Life

by CBM Sells Team 09/08/2019

Life can get so busy that no matter what you do, you can’t seem to keep up. Between work, school, the kids’ sports, and activities, and a little bit of fun, those housekeeping and personal finance chores can slip past. Soon, you find yourself trying to catch up because a bill got missed or an undone task turned into a complicated maintenance issue.The solution? Or, at least a partial answer: bring on the automation.

Things to automate

Regular monthly bills: Take a single day and set up all your regular incoming bills for automation. Go online to each vendor and set up their free auto-withdrawal from your account. You can do this for your cellphone bill, your cable or satellite bill, your Internet bill, auto insurance, electric and gas bills, water and trash, car payments, homeowners or rental insurance, association dues, health and fitness club dues, school bills, and any other bill you have with an automated withdrawal option. You can set these up to go from a single credit card that you “pre-fund” (see below) so that you don’t have to worry about having enough money in your checking account. You can also set this up from a secondary checking account. 

It’s vital that these automated payments do not pull from the same account that you use for incidentals. The last thing that you need is to overdraw or overdraft an account and then have your automated payments bounce.

Now, list all the remaining monthly outgo. This list includes things like rent or your mortgage payment, loans, credit card bills, and anything else that you can’t automate through its own system. For these bills, go into your account and set up Bill Pay. The way that most bill pay systems work is that they can send electronic payments to specific companies, so always use the electronic version if it’s available.

If no electronic link is available for the payment you need to make—if your bill is from a small, local company, for example—then set up a bill pay check delivery. It is important to note the due dates for check delivery and arrange your payments to be early just in case there is a postal delay.

Protect your arrangements

Once you have this setup, create a separate account for your “spending” money. This is the account that will have your grocery, gas (unless you pay by card), eating out, entertainment, and other casual spending money.

Set up your bank to text you anytime money leaves this account, and to send you your balance once a week (or daily if you spend from it often). That way, you’ll always know if you can afford that latte or nightcap.

If you’re saving to buy a home, make sure to keep those savings in a separate account and automate the transfer from your incoming paycheck into that account too. If you need help knowing how much you need to save up, talk to a real estate professional in the area where you want to buy.

About the Author
Author

CBM Sells Team

CBM is the elite team for Charles Rutenberg Realty. The team is comprised of Candra Granville Mack, Blanche Davenport, and Melodie "Mel" Cooper. Our team has worked with many Tampa Bay buyers and sellers, including high profile celebrities. From the onset we have consistently been the top sales and listing agents. Many multiple millions in team sales during our years in the business brings you the experience and leadership you can depend on to get your real estate dreams fulfilled. We each sincerely mean what our motto says, "Caring Business Magic". This is our goal and a truth we each live by for all of our clients. Let us prove to you that we do mean what we say. Call today to become part of our CBM family. Meet the Team: Candra Granville Mack Even though I have seen so many changes in Hillsborough County as a Brandon native, I am still amazed by the growth past and present. There are so many changes, particularly in the real estate market. In 1998, when I got my real estate license, very few folks had email addresses or for that matter, even computers. There are many stories to tell you, but the main one is all about you. Today with all of the technology and ads that are everywhere the market is so fast paced and confusing it is often difficult to make a wise decision. With me at your side the process will be smoother and easier in all aspects. My extensive knowledge of real estate with finely honed communication and negotiating skills gives you the edge needed to get the best property at the best price possible and or sell your home with your highest net profit. It has been my pleasure to help literally hundreds of fabulous buyers and sellers. Helping you with your real state dreams and needs is my goal and what I do best. Blanche Davenport In a world where customer service is becoming technology driven, void of the human element, I not only offer today’s technology, but real customer service, something that will never be going out of style or be replaced by technology. By putting heart into the process of real estate, a career where I can effectively help hundreds of people, including entire generations of families, you will experience the value of nearly 45 years of customer service with a focus on you. I am about you, your needs, dreams and aspirations. As an agent since 1995, I am a well-trained communicator, making my negotiating skills finely tuned to get you the best outcome whether you are a buyer or seller. There are only a few letters behind my name, which are the ones that really count. Those letters spell Realtor®, a word I am proud to have earned and strive to live up to every day. Melodie, "Mel", Cooper Throughout life helping others has been and continues to be my focus. Knowing that real estate buying or selling can be a complex undertaking I want to make it as easy as possible for my clients. Having me as your Realtor will help save you time, money and you will even enjoy the process! Assessing and applying your needs to help you reach your dream home is a specialty of mine. As your Realtor®, I will make sure that you get the most out of your next real estate transaction! With my 40 years in Tampa and an agent for 15 years my wide range of real estate knowledge in short sales, foreclosures, new homes, resale homes, investment properties we will be able to seek out your next home from many sources. With me on your team, we will work closely together to create the fulfillment of your dream and your future plans. For a buyer, I am ready, willing and able to be there with you until you have that special home. For sellers, I market their properties to achieve the most money as easily and as quickly as possible. CANDRA GRANVILLE MACK Serving zip codes 33578, 33579, 33592, 33594, 33579, 33602, 33603, 33606, 33607, 33609, 33624, 33625, 33626, 33629, 33543, 33544, 33545, 33547, 33548, 33549, 33556, 33558. 33559, 33572, 33542, 33510, 33511, 33527, 33663, 33566, 33567, 33565. 33569, 33584, 33540, 33541, 33542, 33569, 33568, 33570 BLANCHE DAVENPORT Serving zip codes 33609, 33611, 33612, 33613, 33614, 33615, 33617, 33618, 33624, 33625, 33626, 33629, 33637, 33647, 33543, 33544, 33545, 34638, 34639, 34655 MEL COOPER Serving zip codes 33578, 33594, 33579, 33592, 33602, 33603, 33606, 33607, 33609, 33611, 33612, 33613, 33614, 33617, 33618, 33624, 33625, 33626, 33629, 33637, 33647, 33543, 33544, 33545, 34638, 34639, 34655, 33547, 33548, 33549, 33556, 33558, 33559, 33511, 33542, 33510, 33616