Category Things I Think About

Mastering Budgeting: The Key to Wealth Building Success

http://clintcgallianorealtor.com

Join us for an in-depth look at budgeting and its vital role in wealth building. Learn practical tips and strategies to take control of your finances and maximize your wealth potential.

Why Budgeting Is Essential for Wealth Building

 Budgeting is not just about managing your expenses; it’s a strategic tool for achieving financial freedom and realizing your long-term goals. By carefully allocating your resources and making informed financial decisions, you can build a solid foundation for wealth creation.

The Power of Smart and Flexible Planning

 Effective budgeting is not about penny-pinching or living a restrictive lifestyle. It’s about smart, flexible planning that empowers you to optimize your spending, prioritize saving, and make informed investment choices. We’ll explore real-world examples of how strategic budgeting can lead to significant wealth accumulation.

Leveraging Technology for Personalized Budgeting

 Discover the benefits of using advanced tools such as Rocket Money, Pocket Guard, or Every Dollar for personalized expense tracking and budget management. We’ll highlight how these innovative platforms can help you identify opportunities for savings and align your financial journey with your lifestyle.

The Importance of Flexibility in Budgeting

 We’ll delve into the significance of incorporating flexibility into your budget to prevent overspending and ensure a balanced financial approach. Learn how to avoid the pitfalls of tight budgets that may lead to impulsive splurges, and find out how to maintain a healthy balance between disciplined saving and guilt-free indulgence.

Mindful Spending and Consistent Saving

 Budgeting isn’t just about restricting yourself; it’s about enhancing your life by cultivating mindful spending habits and maintaining a consistent saving regimen. We’ll provide practical tips for integrating budgeting into your daily life and maximizing its positive impact on your long-term financial well-being.

Engage and Transform with Debt Management

 Get ready for our next episode, where we’ll tackle the complexities of debt management and help you transform daunting numbers into manageable financial milestones. Don’t miss this opportunity to gain valuable insights into effectively managing and overcoming debt.

Conclusion:

In conclusion, mastering the art of budgeting is the cornerstone of wealth building. Incorporating smart, flexible planning, leveraging innovative tools, and maintaining a balanced approach are key to achieving long-term financial prosperity.

Join us next week for an insightful exploration of debt management.

Remember, your active engagement and feedback are invaluable to our journey towards financial empowerment.

Clint C. Galliano, REALTOR®
985.647.4479
clint.galliano@kw.com
Licensed by the Louisiana Real Estate Commission
Keller Williams Realty Bayou Partners
985.647.4479
307 Bayou Gardens Blvd
Houma, La 70364
Each Office is Independently Owned & Operated


Clint C. Galliano, a native of Lafourche Parish, has lived in the Houma-Thibodaux area for over 36 years and is currently a REALTOR® with Keller Williams Realty Bayou Partners in Houma, La. He has been involved with real estate investing since 2017 and hosts the local Real Estate Investment Association. Real Estate is his passion. Clint previously worked in drilling fluids and drilling fluids automation for 28 years. He lives in Bayou Blue with his wife and two daughters.

Merry Christmas, 2023!


Hey Y’all,

MERRY CHRISTMAS!

I just wanted to wish you and your family a Very Merry Christmas and I hope that you enjoy the Happiest of Holidays! While it’s been a tough year, we have strived to make the best of it. I encourage all of you to look to 2024 in anticipation of it becoming your best year ever! I am here to support you in any way that I can.

I would also like to invite you to visit our light show, Bayou Blue Dancing Lights. It’s at 145 Gabriel St, Houma, La and will run from 5:20 pm until Midnight, (17:20-00:00 military time for those so inclined.), daily through New Years’ Day. Be sure to tune to 107.1 FM on your vehicle radio when you do.

Clint C. Galliano, REALTOR®
985.647.4479
clint.galliano@kw.com
Licensed by the Louisiana Real Estate Commission
Keller Williams Realty Bayou Partners
985.647.4479
307 Bayou Gardens Blvd
Houma, La 70364
Each Office is Independently Owned & Operated


Clint C. Galliano, a native of Lafourche Parish, has lived in the Houma-Thibodaux area for over 36 years and is currently a REALTOR® with Keller Williams Realty Bayou Partners in Houma, La. He has been involved with real estate investing since 2017 and hosts the local Real Estate Investment Association. Real Estate is his passion. Clint previously worked in drilling fluids and drilling fluids automation for 28 years. He lives in Bayou Blue with his wife and two daughters.

Personal – A Celebration Being Laid Off

Let's Celebrate two years of Clint being laid off from his 28 year oil & gas career!
04-May-2022 makes two years of being laid off!

I am crappy at posting new stuff here, lately. Been really busy learning marketing for my real estate business. It’s something I’ll never master, but I keep working on it.

I woke up yesterday and my wife reminded me that it was two years ago that I was laid off from Big Red, the Big H, the place where I spent twenty-eight years of my life working first with Baroid under Dresser, then, from 1998 to 2020, with Baroid under Halliburton.

I initially started working as a longshoreman at the Baroid dock in Fourchon, progressed to offshore engineering, got tired of the “offshore life”, and created a position for myself in the office. It’s kind of funny…I just started doing it, then they created the position for me. Then a year of slow down / bad times where I had to work offshore again, but when I came back, it was into a role to figure out how to monetize a piece of software. That turned into creating a whole new service offering for the company, allowing me to travel to places around the world that I would never have dreamed possible, (Aberdeen, Scotland was my favorite, with Calgary, Alberta & Quito, Ecuador tied for second), and meet people of many nationalities, who have become friends.

I rubbed elbows with dock workers and CEOs, had meetings with movers and shakers, and collaborated with some of the brightest minds in the world on problems, projects, and inventions.

These were the things that invigorated me. But…

(Seems like there is always a but…), I had gotten bored. I fought to promote automation and optimization as a profit center only to have it used as a loss leader to make sure that some other service that wasn’t able to sell a lot of jobs would be added to a project. It wasn’t fun anymore.

If you are thinking about selling your home and would like to get a valuation estimate, click here to request a Complimentary Home Valuation Estimate.

My regional position was eliminated because regional management decided that they “…weren’t going to do that anymore.” This was discussed here. Because the Baroid regional manager did not want to lose me from the company, he asked Baroid management if there was another position they could offer me because he felt that it would be a good idea to keep me with the company. They found one, but it was a demotion. Working a fourteen day rotational job with thirteen hour shifts in Houston. I was given a choice between being laid off with a severance package or the position in Houston. I took Houston and regretted it.

Then the Covid lockdowns came. I began working from home, dreading the phone call telling me to return to Houston.

Next thing I know, I have a conference call scheduled with my manager and when I get on the call he introduces an HR person…”Due to market conditions and Covid…”.

I was sooooooo relieved! I got a decent severance package, plus, since it was only 04-May, almost sixty days of Insurance coverage.

So, this is why I celebrate 04 May. I think I will be referring to it as “Liberation Day” going forward.

Remember, if you have a real estate need, whether buying or selling, give me a call or shoot me an email. It doesn’t matter if you are outside of my area, I can connect you with a Rockstar Real Estate Agent!

Clint C. Galliano, REALTOR® 985.647.4479

Clint C. Galliano, a native of Lafourche Parish, has lived in the Houma-Thibodaux area for over 36 years and is currently a REALTOR® with Keller Williams Realty Bayou Partners in Houma, La. He has been involved with real estate investing since 2017 and hosts the local Real Estate Investment Association. Real Estate is his passion. Clint previously worked in drilling fluids and drilling fluids automation for 28 years. He lives in Bayou Blue with his wife and two daughters.

Real Estate Market – December Sales And 2021 Totals

December 2021 and Year-To-Date Residential Sales Numbers

Here’s an update on the local market in the Bayou Board of REALTORS® region, showing December 2021 and the Year-To-Date numbers.

Listings fell in December by almost a third compared to December 2020, which is also reflected in the overall trend for Months Supply and Inventory of Homes being lower YoY.

Pending sales were slightly down and closed sales were up 5%.

Both Median and Average sale prices were down for the month, but up YTD.

Speaking of Year-To-Date, New Listings were down 9%, but Pending and Closed Sales were both up.

What Does It Mean?

There is no doubt that we are still in a Seller’s market. There are less homes for sale than there are buyers looking.

If you are a buyer, it means that it may be a little tougher to find a deal. Homes are being put under contract almost immediately after being listed, so working with a dedicated REALTOR® can help you to get you in the home you want.

If you are a seller, this means that there are lots of buyers out there for your home. Things can move quickly! And with the Median Sales Price continually climbing, it makes even more sense to consider selling and harvest your equity appreciation.

Median Sales Price, December 2021

If you are thinking about selling your home and would like to get a valuation estimate, click here to request a Complimentary Home Valuation Estimate.

Let me know if you have any questions about the market. I’d be happy to help you with any needs.

Remember, if you have a real estate need, whether buying or selling, give me a call or shoot me an email. It doesn’t matter if you are outside of my area, I can connect you with a Rockstar Real Estate Agent!

Clint C. Galliano, REALTOR® 985.647.4479

Clint C. Galliano, a native of Lafourche Parish, has lived in the Houma-Thibodaux area for over 36 years and is currently a REALTOR® with Keller Williams Realty Bayou Partners in Houma, La. He has been involved with real estate investing since 2017 and hosts the local Real Estate Investment Association. Real Estate is his passion. Clint previously worked in drilling fluids and drilling fluids automation for 28 years. He lives in Bayou Blue with his wife and two daughters.

Personal – Top 10 Sales for Dec-2021

Keller Williams Realty Bayou Partners Top Ten Sales Production for December 2021.

Just a short article here to let y’all know that I was one of the top ten producers for December 2021 in our Brokerage.

This makes the second time in 2021 that I make that list. More to come in 2022.

Remember, if you have a real estate need, whether buying or selling, give me a call or shoot me an email. It doesn’t matter if you are outside of my area, I can connect you with a Rockstar Real Estate Agent!

Clint C. Galliano, REALTOR® 985.647.4479

Clint C. Galliano, a native of Lafourche Parish, has lived in the Houma-Thibodaux area for over 36 years and is currently a REALTOR® with Keller Williams Realty Bayou Partners in Houma, La. He has been involved with real estate investing since 2017 and hosts the local Real Estate Investment Association. Real Estate is his passion. Clint previously worked in drilling fluids and drilling fluids automation for 28 years. He lives in Bayou Blue with his wife and two daughters.

Business – CCGR Year-End Review

Clint C. Galliano, REALTOR® Sold $2,464,390 of real estate in 2021. 
985.647.4479
clint.galliano@kw.com.

Wow…It has been a while since I have posted an article here! I’ve been a bit busy with life and being a Real Estate Agent.

I just wanted share an update on how my real estate sales business did this year.

This was my first full year as a real estate agent, so it has allowed me to look over my numbers and performance to establish a baseline to grow from. Here are the highlights.

In the past year, I added 398 contacts to my database. What is the big deal about that? For every fifty people that you market to at least 12 times a year, you can expect one sale. So that allowed me to add four potential additional sales a year going forward.

Out of those contacts, 275 were potential buyers or sellers. That lead to a total of 87 sales opportunities, with 24 being listing opportunities and 63 being buyer opportunities.

I closed 16 total units with a production volume of $2,464,390. That was 7 listings at $880,500 and 9 buyer sales at $1,583,890. The average sale amount was $154,024.

I ended the year with 5 pending deals carried into 2022. 4 listings and 1 buyer. As of today, 17-Jan-2022, one of those listings has closed and buyer sale should close this week.

Remember, if you have a real estate need, whether buying or selling, give me a call or shoot me an email. It doesn’t matter if you are outside of my area, I can connect you with a Rockstar Real Estate Agent!

Clint C. Galliano, REALTOR® 985.647.4479

Photo by Pixabay on Pexels.com

Now for the business breakdown…I had a Gross Revenue of $81,468. This included $68,581 of Gross Commission Income, $9,574 in referral Commission, and $3,308 of sales of oilfield testing equipment liquidated for a client.

Out of that, I paid $20,502 in “Company Dollar”, (split of my commission to the brokerage), $4,115 in Royalties to Keller Williams Realty International, $1,624 COGS, (client split of testing equipment sales), and $9,397 in operating expenses. OPEX includes advertising, training, dues, professional fees, etc.

Overall, I had a Gross Profit of $37,720 before taxes.

Not a bad start for my first full year! AND, this was while also serving as the Market Center Tech Trainer, in addition to the whole area shutting down for the whole month of September due to Hurricane Ida.

If you are interested in becoming a real estate agent, get in touch with me. It’s a really cool career and much more enjoyable than my previous career.

And, as always, let me know what you think in the comments. Ask questions, tell your story.

If you like my posts, please share them with others and subscribe to this blog.

Clint C. Galliano, a native of Lafourche Parish, has lived in the Houma-Thibodaux area for over 36 years and is currently a REALTOR® with Keller Williams Realty Bayou Partners in Houma, La. He has been involved with real estate investing since 2017 and hosts the local Real Estate Investment Association. Real Estate is his passion. Clint previously worked in drilling fluids and drilling fluids automation for 28 years. He lives in Bayou Blue with his wife and two daughters.

Why “Good Enough” is BULL$H!T!

I hope everyone enjoyed their Memorial Day weekend! We didn’t do a whole lot, considering that last week was (FINALLY) Rookie Camp for Marching Band for our oldest.

We spent the time contemplating the sacrifices that others have made, allowing us to enjoy what we have today. We also purchased a new pellet grill, which will be the subject of an article in the near future.

Good vs. Great

Did I ever tell y’all that I used to play in a rock band when I was younger? We weren’t very good, but played a few gigs and had some fun. Our biggest gig was getting booked as a last-minute replacement to fill a week at a bar in Memphis, Tennessee. Notified on a Saturday, to start on Monday. AND, we had to bring a sound system to play through. (Queue runon sentence…) Guitar player quit, found sound system, found guitar player, practiced 2 hours, drove to Memphis, woke up with pink eye, played the first night, got fired, went home.

The takeaway? We thought we, and our gear, (the gear was a bullet point in why we were fired), was good enough. What I realized then was that good enough is never good enough. I never thought past that, but have a history of over-building things. Shed workbench? Can probably support two thousand pounds. Rental business? Running it like I have one hundred doors. Lots of over-engineering.

Lately, the subject of Good vs. Great has come up more than three times in as many weeks, so I decided to write about it.

“Good is the enemy of great. And that is one of the key reasons why we have so little that becomes great. We don’t have great schools, principally because we have good schools. We don’t have great government, principally because we have good government. Few people attain great lives, in large part because it is just so easy to settle for a good life.”

― Jim Collins, Good to Great: Why Some Companies Make the Leap… and Others Don’t

Jim Collins wrote about this in his book “Good to Great”. He details how his study of companies allowed him to determine a path from being a good company to being a great company.

Ultimately, my issue with being content with “Good”, is that you have no incentive to be “Great”. No incentive to grow. No incentive to learn. No incentive to achieve Mastery.

Summary

If you want to achieve more, but don’t seem to be making progress, evaluate your situation to determine if you are content with being “Good”. If you are, then you can either learn to accept that you are OK with “Good”, or make the changes needed to achieve “Great”.

And, as always, let me know what you think in the comments. Ask questions, tell your story.

If you like my posts, please share them with others and subscribe to this blog.

Remember, if you have a real estate need, whether buying or selling, give me a call or shoot me an email. It doesn’t matter if you are outside of my area, I can connect you with a Rockstar Real Estate Agent!

Clint C. Galliano, REALTOR® 985.647.4479

Clint C. Galliano, a native of Lafourche Parish, has lived in the Houma-Thibodaux area for over 36 years and is currently a REALTOR® with Keller Williams Realty Bayou Partners in Houma, La. He has been involved with real estate investing since 2017 and hosts the local Real Estate Investment Association. Real Estate is his passion. Clint previously worked in drilling fluids and drilling fluids automation for 28 years. He lives in Bayou Blue with his wife and two daughters.

Some Progress…

Top 10 Agents

Hey Y’all! I’ve been busy! LOL

I really don’t want to sound like a broken record, but I have been staying highly occupied while trying to build up my new business. From establishing my name as a real estate agent to marketing, to implementing systems and processes to make it successful.

Some of that is starting to pay off. I was able to close one sale each in January, February, and March.

Then I had a friend who was planning on listing their home when school ended, but decided to list it in March. We got it under contract fairly quickly, so they went out & put a new construction home under contract.

In the same week, a neighbor asked me to show them a couple of homes in a neighborhood closer to his family. They made an offer on one of them that was accepted and listed their home, too.

So, April found us closing on my (now former) neighbor’s house and their new home. This allowed me to rank in the top 10 for April!

Now that we are in May, I have two more closings coming up, signed two listings yesterday evening, and may possibly pick up two more listings. That is on top of working with two pre-approved buyers.

I’m really enjoying it all. It’s a big shift from my former life in oil and gas.

Well, enough on this for now. Let me know what you think in the comments.

Where Has the Time Gone?

Photo by Jordan Benton on Pexels.com

Hey everybody! I’m back!

It’s been almost six months since my last post here…that kind of sounds like a confession. My penance shall be to pen more posts!

I have not been sitting idle during the intervening time. It has been spent learning the ins and outs of the local real estate market from a real estate sales perspective. In addition to learning the Keller Williams franchise’s CRM platform. The software part was easy. Go figure, right? In fact, I picked it up so well and so fast that I was asked to become the Market Center Tech Trainer.

So, I am running a real estate business as an individual agent and the training resource for all of the other agents in the office.

I am enjoying this new career immensely compared to my previous one. A lot less stress and more control over what goes on with my business.

Enough for now. More to come, soon!

Remember, if you have a real estate need, whether buying or selling, give me a call or shoot me an email. It doesn’t matter if you are outsideof my area, I can connect you with a Rockstar Real Estate Agent!

Let me know what you think in the comments.

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