Life is a series of chapters that we move through as we grow in life.  Some of them are part of our personal plan.  Some are, unexpectedly, thrown at us whether we like it or not.  Whatever your reasons for change, we want to help you move through it with intention and purpose and with an end result that you feel good about.  

Tiffany Hughes and Athena Mortgage Group and Women4Women- what is your next chapter

WHAT IS YOUR NEXT CHAPTER?

 
Tiffany Hughes and Athena Mortgage Group- Pre Divorce

Pre- divorce

If you are just getting started in the Divorce process, check out Women4Women for our complete library of tools, articles, workshops and resources to guide you through every step of the way. Knowledge is power. It is very difficult to make good decisions when you are caught in the eye of the storm. Starting here gives you the basic knowledge to begin making the right decisions specific to your situation. We also have a complete network of professionals that are here to help with anything you might have questions about.

01

FINANCIAL

Contemplating a divorce can be incredibly emotional .  We are here to help you navigate every step of the way by arming you with knowledge and creating a plan to get you through the process with minimal stress and anxiety.  Once you have a plan, you can start dreaming about life after divorce in a positive way.  It all starts with creating a budget, putting your divorce team together, then finalizing the life plan.

02

PHYSICAL

Whether it's where you live, what you do, or who you do it with, your physical space, the career you choose and the adventures you pursue in your everyday life are the glue that make up your everyday experience. Wake up looking out of the right windows. Pursue the career that matches your skill and your passion. Explore all Colorado has to offer you with activities that remind you what joy feels like. Visualize and create the life you want post divorce by educating yourself now.

03

EMOTIONAL

Your road ahead is going to be challenging and emotional.  Take the time to educate yourself, ask the most pressing and challenging questions and dream about where you want to be when the process is done.Below are individuals and groups to keep you plugged in and encouraged in this new stage. Healing and strength comes over time, surround yourself with relationships that understand your unique space and can walk with you into this next chapter.

 
Tiffany Hughes and Athena Mortgage Group- Post Divorce

post divorce

Divorce can be a very emotional time for you and your family.  However, it is also an opportunity to dream about where you would like to be once you come out on the other side.  If you could take the emotion out of it, and start focusing on the other side, what would it look like?  Where would you like to live? Do you want to buy a home, live in a condominium, close to your children’s school.  Start dreaming and stop dwelling.  This is a wonderful opportunity to create a new life for you and your children.  Have you created a realistic budget? Just for the moment, take the emotion out of it and consider what makes sense financially and logistically for you, your job, your kids, etc…  What you want and what is financially sensible don’t always coincide.  Begin by creating a realistic budget using the Budget Worksheet.   Then start visualizing and dreaming about the opportunities that lie ahead. 

01

FINANCIAL

The compromises and negotiations are over, the settlement is final. Your decisions now are your own and getting certain foundational pieces in place is what our community has said made all the difference in ensuring the reality and enjoyment of every one of their dreams and adventures. Take look at the resources below to line up the expertise you need to set your future in motion.

02

PHYSICAL

Whether it's where you live, what you do, or who you do it with, your physical space, the career you choose and the adventures you pursue in your everyday life are the glue that make up your everyday experience. Wake up looking out of the right windows. Pursue the career that matches your skill and your passion. Explore all Colorado has to offer you with activities that remind you what joy feels like.

03

EMOTIONAL

The road you've walked has been challenging and the support you had will hopefully become a network of safety and care in this next chapter. Below are individuals and groups to keep you plugged in and encouraged in this new stage. Healing and strength comes over time, surround yourself with relationships that understand your unique space and can walk with you into this next chapter.

 
Tiffany Hughes and Athena Mortgage Group- Relocation

relocation

Are you thinking about relocating to Colorado? The Centennial state has so much to offer depending on your lifestyle and how you want to live your best life.  From Urban to suburban or rural to the mountains, Colorado has the most the most diverseoptions for living based on personal preferences.  Take the profile quiz to find out which area best suits your preferred style of living.  This is not a scientific calculation.  It is only meant to guide you in your area home search.

01

EXPLORE COLORADO

A new space and a new start is exciting, and can be overwhelming with details. The financial opportunity in a relocation situation is endless - all the choices you make  have a fresh start component to them and can serve as the backbone to a strong financial future. Exploring your options and finding trustworthy guides is vital to setting your financial future up for success during your relocation. Find your ideal location by filling out the Colorado profile quiz and then check out all the areas of the state by visiting the Explore Colorado page.

02

PHYSICAL

Relocation to a new space is almost like looking over the ocean into a seemingly endless horizon. Opportunity is everywhere - the place that feels like home to you and the house that holds this next chapter being the first. Exploring the activities Colorado holds allows you to know where you want to be and why - there are so many fantastic adventures to be had in this state...which ones are right for you?

03

EMOTIONAL

Relocation is exciting, and a brand new start can also be ground zero for relationships and getting plugged into new communities and and culture. Moving from spaces where your known to a place where you're getting to be known again takes time. Here are some great places to start to establish connection and get excited about this next chapter of adventure and meeting the people to live it with.

 
Tiffany Hughes and Athena Mortgage Group- Growing Family

GROWING FAMILY

Covid had, most definitely, made families more aware of tolerable personal space and how their home can become very small, very fast.  With more companies allowing employees to work from home, workable personal space and comfort is becoming more of a priority.  In addition, we are starting to see another baby boom from the pandemic.  If you are finding you and your family needing more space, consider moving to a more affordable area where you can spread out or have the extra bedrooms and bathrooms needed for a growing family or home office.  Use the mortgage calculator to find out how much you can qualify for and then fill out the short application to get pre-approved immediately.  If you are not sure how much your home is worth, fill out the basic form and we will send you a “Property Valuation Report” in 24-48 hours.  We can recommend some great Real Estate Agents to work with, as well.

01

FINANCIAL

A growing family means growing love, life, connection, and memories. It also oftentimes necessitates a need for growth in the areas of space whether that's housing, a new car, or simply more tailored purchases to support more people. It can be a financial stretch that's worth every penny, and these are the areas of focus that our parents  said helped them sleep (more) soundly as their families grew.

02

PHYSICAL

A growing family changes physical spaces and activities perhaps more than anything else. The urban lifestyle can feel different with little ones, and the perfect neighborhood play area can feel like the 14ers you once did with the same enjoyment. Determining where you want your family to be in an important choices, and finding the activities you enjoy together creates excitement and connection for years to come.

03

EMOTIONAL

Building a family is exciting, rewarding, and exhausting. You could be a  single income or double income household.  Either one can be exhausting balancing children, career and life. Making time for what you love and surrounding yourself with the support of professional and personal relationships can make all the difference. Take some time to explore what will refuel you and the ones you love in this next chapter for your family.

 
Tiffany Hughes and Athena Mortgage Group- Downsizin

DOWNSIZING

With kids moving away to college and the cost of living increasing, exponentially, in Colorado, many couples are finding themselves wanting to downsize, simplify, or move to a different location. If you are thinking about it, but not sure where to start, begin by taking the CO Mortgage Gal quiz to find an area that best suits you and your anticipated new lifestyle.  It can be very difficult and emotional to leave a home that you raised a family in for 20 years.  But, this is your opportunity to choose an area based on your current, new or anticipated interests.    Are you wanting to travel more?  Maybe a condominium or townhome with low maintenance is more conducive to travel.   Make it fun and choose an area that suits you and how you would like to live the Next Chapter of your life.

01

FINANCIAL

In the business world, downsizing has a different connotation. In life, downsizing represents the opportunity to refocus and reprioritize. You may have an empty nest, realize you'd rather spend time in one place you love than manage three you like, or you could be deciding experiences are your next chapter and you need a new place to land. Having the right pieces in place to financially support this exciting next chapter is Step 1.

02

PHYSICAL

Now that the kids have moved out and have lives of their own, what does your next chapter look like? Are you wanting to simplify, consolidate or reduce your over all housing costs so you can spend more time and money on travelling? Or move to a different area that is a little slower pace and lower maintenance? What about making the improvements to your existing home that you thought you could never do or buying that second home in the mountains for family weekend get togethers. The sky is the limit to what your next new chapter can look like. Take the time to explore different parts of Colorado through the Explore page and then hop on over to housing to see how much you could qualify for.

HOUSING
CO PROFILE QUIZ

03

EMOTIONAL

Downsizing can mean many different things. Either moving into a smaller home, or downsizing your monthly budget and expenses. We can help you reach those goals. Use our budgeting tool to figure out a downsized budget that is realistic and brings you peace of mine. Then head on over to the Explore Colorado area to find an area that works within your budget and use the mortgage calculator to figure out how much you can afford in different areas of the state. This can be a very exciting time as long as you use the tools to create a plan that will give you emotional stability and peace of mind once it all comes together.

FINANCIAL PLANNING
INSURANCE
Image by Vincent Ledvina