Personal Finance > Change Comes From Inside Out, Upside Down

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I serve a large clientele of relocation buyers to the greater Frisco TX areas. Primary reason is job relocation. Here in the Plano and Frisco areas, we are home to major corporations such as Frito-Lay, Pepsi-Co, AT&T, EDS, Computer Associates, McAfee, Ikea, T-Mobile, Fujitsu, Ericsson, Bank of America (formerly known as Countrywide) and more. Most of these are financial and IT jobs. I have helped move many families from California, the East Coast as well as big metropolitan areas such as Seattle and Chicago.

Since most of these clients come from a higher standard of living than the greater Dallas area, many of them come with great intentions of starting their foot off in the right place. If they couldn't pay cash for their homes, they plan to come very close to it. With the sale of their homes, it is not uncommon to see these people with $100,000 to $200,000 in cash waiting to purchase a new home in the greater Frisco TX area.

When they get here and start shopping, some of the plans changed along the way. Instead of wanting to transfer the equity of their home, some make plans to pay off their credit card debts and to start fresh. VERY WELL! I'm all in support of that.

Before you know it, some credit card debts are paid off. Some did even better. All the credit card debts are completely gone.

So, how bad can this get? And why am I blogging about it?

Well, 2 or 3 years down the road, most of these people are back into credit card debts AGAIN. Their initial intentions of paying off the credit card debts did not come with a commitment to change - turn over a new leaf so to speak. Getting out of debt has more to do with behavior modification than the debt itself. MOST people fail to see that.

If getting out of debt has anything to do with finances, then we wouldn't be in the position we are in. We would have never gotten into the 18-23% in credit card interest rates.

If I had described you today, don't take my article personally. But if you want to start over, start with a changed mindset and a budget. Stick with it. Many people before you had done it, so can you! Forget about the past. Today and what you decide to do tomorrow is what that matters.

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About Loreena & 3:16 team REALTY

Loreena Yeo - Realtor(R) in Frisco TX | Broker
M.Sc, B.Sc
Direct (214) 783-2210
Fax (214) 231-9018
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Loreena Yeo is the broker of record of
3:16 team REALTY to practice real estate in Frisco & surrounding cities (State of Texas). Texas Real Estate Broker License Number #9001154.

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When she arrived for our appointment, we went through the normal preliminary procedures and all was fine. Then she surprised us. She had already done most of the work and only needed to take a few pictures of the inside and determine the price that we would be comfortable asking. She also spent a great deal of time explaining to us how the whole sales process work and what we could expect.

Eric & Tomoko Quere, Plano TX

Ultimately, Loreena introduced us to the house we bought--it was not one we found from our own hours of searching web listings--based on the the comments we had made while we visited these different homes. This is a testimony to her ability to listen well and to work proactively on our behalf.

Jenn & Glen Miller, Denton TX

We were completely impressed with Loreena. She helped us find and buy a home in Frisco. We have very high expectations from a realtor and she surpassed them. Knows her market extremely well, not just the technical market pricing data, but the nuances of all the neighborhoods as well. One of the most responsive and professional persons I've met in my entire business career.

Ruth & Jerry Meek, Frisco TX

I just want to thank you again for your help in selling our house. In this tough economy and market, I really didn't expect to get an offer. But you counseled me so well in pricing the house to sell and yet not letting me accept an offer that was too low. I believe we got the best deal we could have. I was so pleased and surprised with what we walked away with.

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