Brian Tarbet

Loan Originator | NMLS 286904
Phone | Fax:
817.219.5555
Mobile:
817.219.5555
6031 Connection Drive, Suite 700, Irving, TX 75039

Thank you for visiting my profile. Please contact me today. I look forward to assisting with all your mortgage lending needs.

Causes I Care About


Christian Relief Fund

My Favorite Restaurant


Anything Italian

My Ideal Vacation Spot


Anywhere with my wife

My Favorite Pastime


Reading & Golf

The Reviews Are In

"Get busy living or Get busy dying"

— From Shawshank Redemption

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Embrace frugal living and save money for a down payment with these simple tips.

Are you addicted to the finer things? Love to splurge on little indulgences throughout the week? While these may seem like small, harmless expenses, the truth is, they add up—and they may be preventing you from affording a home. But wait, there’s good news. Better spending habits are possible! And although frugal living is a sacrifice, the reward is a home you can call your own. We’ve come up with a list of 15 spending habits for you to consider putting an end to in the name of homeownership.
CUT BACK AND SAVE MORE
1. Daily coffee run. Let’s get right to the point. We love coffee. In fact, Americans consume 400 million cups of coffee per day! The average 16-ounce latte at Starbucks is $3.65, straight up, no additional fees for syrup or special milk. Trust us, we love a good latte too, but that daily coffee run is costing you $25.55 per week, adding up to a hefty $1,328.60 a year! Maybe it’s time you tried brewing at home. 2. Cigarettes. Generally speaking, if you smoke a pack a day, you’re spending about $6.00 a day. The national average price of a pack of cigarettes is $6.16, and that doesn’t account for the tax that varies by state (New Yorkers pay roughly $10.50 for a pack because of their cigarette tax!). If you smoke a pack a day (and you don’t buy your cigarettes in New York City) this habit’s costing you about $43.12 a week and a whopping $2,242.24 a year! Think about how fast you could afford a down payment on a home if you quit! Talk about motivation. 3. Daily lottery ticket. It’s only a dollar a day, but at the end of the year, you’re out $365 that could’ve easily gone toward a better prize: your own home. 4. Fast food five times a week. Today, a Big Mac meal costs $5.99. If that’s your go-to lunch every day during the work week, it’s costing you $29.95. Do this all year and you’ll rack up a steep fast food bill of $1,557.40! Do you know what this means? If you ended this spending habit and, instead, put that $1,557.40 in savings, in about five and a half years, you’d have enough money for a 5% down payment on a $175,000 home price tag. Yeah, that just happened. 5. Restaurants. Isn’t it nice when someone else cooks for you? We love a good restaurant meal. But if you’re dining for two and factoring in soft drinks, this could cost anywhere from $25 to $35 at a medium-priced restaurant chain. (We’re not even counting dessert or adult beverages.) Don’t forget the tip! If you’re tipping a generous 20%, that $35 meal for two just became a $42 bill. Need we inform you that cooking a similar meal at home will typically cost you less than half the price? 6. Friday and Saturday night at the bar. Let’s say you’re a social butterfly and you like going to the bar on Fridays and Saturdays. We get it. It’s the weekend. You worked hard all week and now you want to go out and unwind with your friends. Well, it’s time to count the cost. Depending on where you go, a mixed drink could cost anywhere from $9 to $13 and a beer might be $5 to $8. Then, you’ll also want to factor in how many libations you enjoy per night. We’ll take the averages and say you buy four drinks each night—that equals about $35 a night, not including tip. A nice 15% tip puts you at $40.25 a night, $80.50 a weekend, and a devastating $4,186 a year! We haven’t even talked about cab rides and late night munchies! How’s that for a sobering reality? 7. Convenience store snacks. Ah, those pesky late night cravings. Convenient for your stomach, not so convenient for your down payment savings. A bag of chips here, a bottled beverage there. . . Throw in a bag of candy too and you’re spending $5 to $10 every time. Do this three times a week for one year and you just spent anywhere from $780 to $1,560! 8. Thursday night movies. It seems movie ticket prices are only going up these days. If you’re a big fan of the big screen movie experience, you might be surprised to learn it’s costing you big bucks. It’s been reported that the average cost of going to the movies in North America reached $8.84 earlier this year, but for some, we’ve seen movie ticket prices upwards of $15 for one person! Factor in popcorn and a drink and your harmless trip to the movies just cost you $25 dollars. And, if this is your Thursday night ritual for one year, you’ll have spent roughly $1,300 by the end of it. (Perhaps, if you saved that for a down payment, you could be watching movies in bed in your very own home.) 9. Bi-weekly mani/pedi. Sorry ladies, but this one’s for you. At small nail shops, a simple manicure alone may cost you $10–$15. Throw in a pedicure and your bi-weekly mani-pedi cost might be as much as $40 at a small shop, not including tip. Remember, we’re low-balling it, and even then, this expense could add up to $480 at the end of the year! If you saved that money, you’d be able to put a decent dent in your closing costs on a mortgage. 10. Bottled water. Frugal living starts at home. Buying bottled water at the grocery store may seem convenient (and we know you love the taste better than tap water) but do the math and it could be costing you upwards of $250 a year! Of course, the exact cost will vary based on brand name, quantity, and consumption, but you get the picture. Consider alternatives like installing a filtration system, buying a sink faucet attachment, or getting a water-filtering pitcher. These all might cost more upfront, but long-term, they’re investments that are actually saving you money (money that can go toward a home!). 11. Car washes. The cost to get your car washed twice a month is estimated at $12.68 a month, if washed by hand, and a tunnel or conveyor car wash is averaged at $15 per visit—$30 if you go twice a month. That’s anywhere from $152.16 to $360 a year! Frugal living would not approve. 12. Extra smartphone data. Go over on your data? Avoid buying more. If you truly want to try frugal living and save money to buy a house, step away from the smartphone or be diligent about finding WiFi territory. At Verizon, an extra gigabyte of data costs you $10. While that may not seem like a lot, remember it all adds up! Making small sacrifices now will help you buy a home later. 13. Gym membership. If buying a gym membership is the motivation you need to work out, you may want to try getting motivated in some other way. On the cheap end, Planet Fitness is only $10 a month, but on the premium end, you could pay up to $50 a month—and that’s not even including an initiation fee! That’s burning a $700 hole in your wallet the first year when you could be lifting free weights at home or going for a run around the neighborhood for free! 14. Music subscriptions. Who doesn’t love listening to music without commercials? We totally get it. But $9.99 a month (even with the first three months at only $0.99 per month) is costing you $92.88 to listen to music ad-free on Spotify. How will you practice frugal living and save for a down payment on a house with a yearly bill like that?! 15. TV subscriptions. Be honest, do you really need Netflix, Hulu, Sling, and Xfinity cable? A TV-lover who’s subscribed to the cheapest offering for all four is still spending roughly $88.97 a month—a massive $1,067.64 every year! Can you limit that to one or two? Or forego TV for a year and just stick with Internet? Frugal living isn’t easy, but when you’re working toward a greater goal, it can be so worth it.

Did we miss anything? Tell us about how you’re embracing frugal living to save up for a down payment on any of our social media channels!

Use these home security tips to keep your home safe and sound while you’re away this winter.

December is here and it’s officially the holiday season. Kids are out of school and many families are using that time off to go on vacation and spend some quality time together away from home. Leaving your home for an extended period of time can be a little scary, especially if you haven’t made the necessary preparations. So, taking inspiration from the classic holiday movie Home Alone, we’ve decided to put together a list of seven great home security tips for protecting your home while you’re away on vacation. Breathe easy parents—now you won’t have to leave your eight-year-old at home to hold down the fort.

LIGHTS PLEASE

No, you shouldn’t leave your lights on at home throughout your entire vacation. Your electric bill will go through the roof, and having your lights on throughout the night may be even more suspicious than not having them on at all. The quick fix is to purchase a light switch timer that you can program to turn your lights on and off according to a schedule. If anyone is watching your house, they’ll see the lights turning on and off and will probably assume someone’s home.

YOU’VE GOT MAIL

Nothing says “I’m not home” like a pile of yellowing newspapers in the driveway. If you’re going away for any extended amount of time, you should either place a “stop” order on your mail and newspapers or ask a friend or neighbor to pick them up while you’re gone. You can easily put your mail on hold at USPS.com.

KEYS TO SUCCESS

Everybody knows to look under the welcome mat, and that conspicuously placed fake rock isn’t fooling a soul. So where do you put your spare key? Leave it with a neighbor or a friend that you trust. It’ll be much safer there than anywhere else.

KEEP IT TO YOURSELF

A lot of people seem to like to publicize whenever they’re going on a fun vacation with their families on social media. Here’s a tip: Don’t. Believe it or not, criminals have access to social media too and will not hesitate to capitalize on an opportunity if you present one. We get it, you’re excited, but wait until you get back to post anything. At least then you’ll have some pictures to share.

UNPLUG

Disconnecting your electronics may not deter burglars, but it can save you a lot of money. Electronic items such as televisions, desktop computers, and microwaves use energy even when they’re turned off. Unplugging is a good way to save some cash and protect your appliances from power surges.

OUT OF SIGHT, OUT OF MIND

This may seem obvious, but you should hide anything of value away from plain sight. Invest in a safe where you can keep jewelry and other valuables to prevent a burglar from seeing anything enticing through a window.

HOME FOR THE HOLIDAYS

All of the above home security tips are great, but the best way to give the impression that someone’s home is someone actually being home. Ask someone you trust to house-sit while you’re gone. Have them water your plants, pick up your mail and newspapers, and feed your pets if you have any. So, in a way, Home Alone offers the best solution to the problem. No, your house-sitter doesn’t need to set up swinging buckets of paint or heat the front doorknob until it glows, but having someone at home is the most fail-safe way to prevent a break-in.

Do you know any other home security tips that could be useful this winter? We’d like to hear them. Share them with us on social media!

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