Money Management

Face down your money fears and take control of your budget. Learn skills from basic tracking of finances for your business to investing and wealth building.

Agent GCI and Activity

Use this Excel spreadsheet to record your activity. Automatically graphs!

How to Take Control of Your Money So That Tax Time Isn't a Struggle Anymore

Does tax time make you nervous? Your not alone. Many people stress-out at the thought of filing their taxes. And as an real estate agent, there might be additional concerns beyond the standard 1040EZ since you may also be operating as a business owner. It doesn't have to be that way. Learn how to take care of your money and escape the hand-wringing stress of tax time.

Denise's Money In Money Out worksheet

Tracking your money doesn't have to be boring! In this new and improved Money In Money Out sheet, you have the ability to set budgets for a variety of expense items. When you are overbudget the worksheet will automatically see that and indicate that you are overbudget. You can also track your income, and see where you truly wind up at the end of the month. You can create a new document for every month, or create one sheet per year and navigate through your months through tabs at the bottom.

Net Worth Analysis

Hate working with a budget? Try our Net Worth Analysis instead!

Lessons Learned From Tax Season

If you're like most real estate agents, then you find it difficult to track the finite details of your business - your money, the results of your advertising, client retention, days on market numbers, list-to-sale price ratios. The list is truly endless. But, just like filing your income taxes, tracking is an essential task. Have you learned your lesson from last tax season?

Future Value Calculator

Get the picture of how your assets will stack up 5, 10, 20, even 30 years from now! With the Future Value Calculator, see how your mortgage balance, assets, (even assets that you are adding to each month) changes over time and how some planning now can result in big payoffs later.

NOTE: This worksheet is for illustrative purposes only and should not be used to predict future earnings or advise the user that such earnings are imminent. This tool is not meant to replace a financial planner. Mortgage amortization is for estimation purposes only and may not be reflective of user's actual mortgage or payback. The Lones Group is not responsible for decisions or assumptions made based on this document.

How Much Should I Spend On My Marketing?

This is perhaps the most important question a real estate agent - or any business owner, for that matter - could possibly ask. Its significance stems from the fact that your marketing is the engine that drives your business. Without a power source to propel it onwards, your business will stall out and eventually stop completely.

You've Got To Spend Money To Make Money

If there's one thing I'm sure about when it comes to real estate agents, it's that we're a frugal lot. We don't like to spend money on anything. Part of this comes from a consumer culture that tells us to "Save... invest... then save some more."

Appreciation Worksheet

This is the most accurate way to calculate appreciation in an area but finding individual appreciation rates can be a pain! However, take some of the pain of calculation out of the equation with this worksheet. One thing to note - if you are figuring appreciation over a period of time, try to look at solds that have sold recently to get the most accurate recent number.

Investment Cash Flow Worksheet

Project not only rise in rent over time, but also expenses and also show change in equity with this handy worksheet!
**Added Cap Rate and Gross Rent Multiplier Feature 6/3/15

Testimonial:
"Love this worksheet, used it already...Very easy to use and understand.
Thank you Shauna!"
-Aranka Fruehauf

Business Personal Income Chart

This worksheet doesn't include the monthly detail that say, Denise's Money In Money Out sheet does, but if you want to track where you have been and where you want to go, this worksheet will do just that. And it includes automated graphs to boot!

Renovations: 10 Common Costly Mistakes, Part 1

Inevitably you will have clients who are thinking about renovating before selling or renovating after buying. Join Denise for a tour of terrible choices that your clients should avoid at all costs. Knowing where things can go wrong in renovations can save you and your clients a lot of money and headache!

How to Become a Smart Rental Owner

You are a real estate agent. You work with property every day and now you're thinking, "Maybe I could use my real estate knowledge to manage a rental for extra income." Being an agent definitely has its advantages, but before you take the plunge to become a landlord there are things you must learn. Join Denise Lones as she shares what it takes to operate a residential rental: management, accounting, pre-screening and how to reduce your risks of costly pitfalls or getting sued.

Net Worth Chart

What is your current net worth? You may be surprised!

For Investors - Timing is Everything

This article will help you discuss the importance of timing when buying or selling, and will illustrate how supply and demand works in a real estate market.

Developing Financial Awareness

Building financial awareness is a critical part of understanding your real estate business, measuring progress and meeting your goals. Join Denise for a discussion covering budgets, net worth, and the future value calculator.

Your Investment Personality

In this Mastery Forum episode we'll be talking about investment personalities, how to identify your investment persona and how that defines what kinds of investments you will be comfortable with - specifically, different kinds of property investments! We'll be looking at residential rentals, multi-family rentals, vacation rentals, residential renovations and residential flipping.

Renovations: 10 Common Costly Mistakes, Part 2

Whether you are considering a remodel for your own home or advising a buyer or seller, don't miss Denise's follow-up webinar with 10 more common mistakes. Be the hero whose planning and advice helps save both money and time with great renovation wisdom from experienced home-remodeling expert Denise Lones.