Skip to Content

Knowledge Center


Person meditating

How to create a good habit and stick to it

According to U.S. News & World Report, 80% of the resolutions set on New Year’s Eve are broken by February. If you have already failed at keeping the goal you set for 2019, don’t worry. You can still form a good habit (or break a bad one) by following some simple rules to keep you accountable!

Small Steps Add Up

Make sure that your habit is small, specific, and achievable. You can always build on your habits later, but in the beginning stages remember that small steps add up. You don’t want to start by completely depriving yourself from something because you will set yourself up for failure. For example, if you are hoping to reduce your spending so you can make a large purchase in the future, start by brewing your own coffee in the morning and packing your lunches Monday through Thursday.

Use Your Momentum

Try linking your new habit to a pre-existing habit you already have. This will make you accountable and keep you on a regular schedule. Use the formula: [Before/after existing habit], I will [new habit]. So, if you are trying to pack your lunches during the week, you might consider packing your lunch as soon as you finish eating dinner.

Little Rewards Go a Long Way

Reward yourself along the way to reinforce your habit. Most people forget to reward themselves for taking steps towards beneficial habits. Many positive habits, like eating healthier or exercising, do not have immediate obvious rewards, so it is important to reinforce your progress with rewards of your own. If you're trying to pack your lunch Monday through Thursday, you may want to treat yourself to lunch out with friends on Friday. This will keep you from feeling deprived so you are more likely to stick to your goal.

Never Miss Twice

You are going to slip sometimes. Just because you fell off the wagon one day doesn’t mean that you failed and should give up. Try following the “Never miss twice” rule to give you enough flexibility to make mistakes, but inspire you to get back on track the next day. Maybe you had a rough morning and bought yourself coffee on the way to work and went out for lunch today. No problem. Tomorrow you will brew your own dark roast and pack your leftovers to eat. It’s okay to fail, just make it a goal not to do it two times in a row.

Forming a new habit can seem intimidating, but it doesn’t have to be. Make sure you set up specific goals and have realistic expectations. Reward yourself as you make progress, and stop expecting perfection. Habit forming is a journey, and you are going to make mistakes along the way. Don’t beat yourself up, just do better the next day and remember why you wanted to adopt the habit in the first place.

You've got this.


Honoring Memorial Day

May 25
Category | General

As we pause to remember those who gave all for our country,
may we embrace the opportunities they provided through their sacrifices.

Honoring Memorial Day

Wishing you a safe and reflective Memorial Day (Weekend).


Happy Mother's Day this weekend!

May 11
Category | General

Happy Mother's Day


Spring Cleaning

From the crack of a baseball bat to the smell of freshly cut grass, these are the sounds and smells that signal the return of spring. For many, the season can't come soon enough. Snowbound, weather-worn homeowners will certainly attest to that. But there's another rite of passage that comes with the changing season: spring cleaning.

After being cooped up inside for the whole winter, you're probably ready to purge your house of dust and clutter. You're not alone, according to polling done by the American Cleaning Institute - about 7 out of 10 Americans make spring cleaning a yearly ritual.

When you're a new homeowner, however, spring cleaning takes on new meaning. No longer are you tidying up an apartment rental. You've invested your hard-earned money into your new place. And if your property was previously owned, you may be giving it the time and attention that it never received from the prior tenants.

So what's the best way to approach your new home's first spring cleaning? Here are a few strategies, in no particular order, to consider as you roll up your sleeves and dig in:

1. Get rid of stuff you no longer use

Perhaps the biggest boondoggle associated with spring cleaning is stubbornly holding on to belongings that no one uses. There are a variety of reasons for why people do this, such as sentimental value or thinking they may come in handy at some point in the future. But many people fall into the same trap year after year, gathering more but never letting anything go. To avoid this, set time limits. If you're unsure whether to get rid of something hiding in the back of your hall closet or taking up space in your attic, ask yourself if you've used or worn it in the last year. If not, then it's unlikely you will in the year ahead either. Better to toss it, sell it or donate it to someone who really needs it.

Clean in installments2. Clean in installments

If you've moved into a fixer-upper, you may find spring cleaning a bit overwhelming. Where do you even start? That's why it's best to approach the project "a la carte," cleaning one room at a time. Going room by room is much less daunting and gives you an idea of what you need to do in order to make the room look as good as new, whether that's as simple as putting things away or performing a more thorough cleaning that involves dusting, polishing, sweeping and/or vacuuming.

Looking for a good place to start? Begin in the bedroom. More spring cleaners tackle this room than any other room in the house, according to ACI. Then it's on to the kitchen and bathrooms.

3. Make a list

Spring cleaning is a lot like weekly grocery shopping: In the days leading up to the errand, you know exactly what you need, but will you remember those things on the day of? Instead of relying on memory, write your cleaning tasks down on a list located in a common area, like tacked to the refrigerator or the family bulletin board. Making a list - and crossing tasks off once they're completed - helps you prioritize every step of the way, see what you've accomplished and remember what still needs work.

4. Get into the cleaning habit

Make your future spring cleaning seasons less time-consuming by adopting a "clean-as-you-go" mentality throughout the rest of the year. Set the tone by adding small tasks to your daily routine, such as making your bed when you first wake up or wiping down kitchen countertops after breakfast.

Similarly, see if you can get in the rhythm of cleaning your bathroom once a week. That's no small feat - one survey from Ketchum Global Research & Analytics found that, unsurprisingly, the one chore American homeowners would love to never have to do ever again is cleaning the toilet. The same survey also found that, according to 62 percent of respondents, the bathroom is the part of the house that always receives the most thorough cleaning. So why not scrub little by little instead of all at once?

At Residential Mortgage Services, we aim to meet not only your home financing needs but you're knowledge needs as well. Bookmark our Knowledge Center page and check back often for more information on everything about homeownership.


Happy New Year2017 has been a good year. At RMS we continued our growth, opening up operations to service new states and expanding our technology and mortgage loan offerings to create a better than ever home buying and refinancing experience for our clients. And as for 2018, we have even more in store.

We look forward to offering more renovation home loan services, construction loans, more reverse mortgage loans... the key word here is more. We can't wait to share all of the ways we're working on making the home buying and refinancing experience even better than before. Smoother, faster, simpler, with more choices available to our borrowers.

Please be safe in your celebrations as you ring in the New Year!

And as you're setting your sights on resolutions and fresh beginnings, keep an eye on RMS. More is on the way.

Showing results 1 - 5 of 9