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January 2018
Lyon Real Estate
Happy New Year!

Hello, 2018! This year, I plan to fill my life with positive changes, excitement, and personal growth. Have you made your New Year's Resolution yet? We all know that resolutions get a bad reputation for only lasting through the month of January, but this year, let's make a pact to uphold our commitments all year long. Let's make 2018 the year we encourage others and ourselves to change for the better. To start, I have re-posted a great article below with some helpful tips on how to start 2018 on the best financial foot possible!

6 Ways to Be Better at Money in 2018

CreditLM Otero/Associated Press 

This article was originally posted by Tim Herrera on

Though there’s never a wrong time to get your finances in order, a new year is the perfect excuse to take a deep look at your relationship with money.

Whether you’re just starting out in your career or you’re nearing retirement, below is The Times’s best financial advice from this year on earning and saving more money and, more important, deciding what to do with all of it.

Save a little extra money every week

No, cutting out that indulgent, extra-fancy coffee once a week won’t make you a millionaire, but those small savings truly do add up over time. Find where you’re nickel-and-diming yourself, then see what you can stand to eliminate. 

Negotiate a better salary

Should you reveal your current salary when negotiating? It depends! Here is some advice on one of the toughest parts of getting a pay bump. 

Figure out your retirement savings

If there’s one thing you should know about your retirement plan, it’s this: No matter your situation, start saving today. 

Buy more takeout and hire a maid

Do you spend money to save time or spend time to save money? If happiness is your goal, a recent study suggests that spending money to save time may reduce stress about the limited number of hours in the day, improving happiness.

Write a financial to-do list (and actually do it!)

If you happen to have a free day, use this brief guide to help you get your affairs in order, tailored to how much time you have to devote to the task. 

Get professional help

It’s never too early to talk to a professional for financial advice, regardless of your situation. These are the questions to ask when you’re looking for one.

Family Emergency Preparedness – Essential for Every Season

If this past year has taught us anything, it’s that natural disasters can hit anywhere, at any time. There’s no stopping the forces of nature, so the best thing we can do is to be prepared. While your family's emergency plan will be unique to you, there are a few general points that will help prepare you for success.

Plan Ahead

Sit down with everyone in your home and make a plan, taking into consideration daily schedules, pets, and transportation. Everyone should know their responsibilities and a variety of scenarios and meeting locations should be considered. Plan for everything from a house fire to a region-wide disaster. Make sure you’re included on local and regional emergency notification systems. Make a very short list of important items to be removed from the house, and compile a folder of vital documents.


Prepare evacuation bags and kits for grab-and-go situations. Include non-perishable food, medications, glasses/contacts, undergarments, toothbrushes, favorite/comfortable articles of clothing, flashlights, water, first aid kit, pet food, and small personal items.


Purchase a fire-proof safe for important documents and heirlooms. Take steps to protect your home for each season. Purchase sandbags, keep trees trimmed, dispose of, or maintain dry leaves and shrubs in the summer and fall months. If you have to leave your home, lock all doors and windows, and turn off gas, water, and electricity if possible.


Memorize pertinent phone numbers, including a point person out of the area that you can check in with. Make sure chargers are kept in evacuation bags as well as the car. Include a solar charger in your kit and be prepared in the event of long term loss of power.


Know what your insurance covers before you need it and make appropriate changes to the policy. Every six months take photos and video of everything in the home. From the garage to the attic, open drawers, cabinets and closets to document all personal belongings.

Tammy Garza
Tammy Garza Direct
(916) 365-2922

Cal BRE#

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