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$328,000
3 Beds ⋅ 2 Baths ⋅ 10649698 MLS
Situated on a large .36 acre corner lot and located in the established Green Acres neighborhood in the Churchland community in Portsmouth. This spacious and charming brick Ranch has been well maintained and lovingly cared for and is conveniently located to shopping, dining, and interstate access. Featured details include newer architectural shingle roof, hardwood flooring throughout, Great Room with wood burning fireplace, updated Eat in Kitchen with stainless appliances, Formal Dining Room, nice sized bedrooms with overhead lighting, freshly painted interior, updated Hall Bath, covered Front Porch, 1 car oversized garage, extended concrete parking pad and driveway, gutter system, privacy fenced backyard with newer child's play set, and more! Attends Churchland Schools.

4624 Kemp Drive, Northwest Portsmouth
$319,900
3 Beds ⋅ 2 Baths ⋅ 10649387 MLS
Change your life in this well-maintained three-bedroom, two-bathroom ranch home with an attached garage, offering comfortable one-level living and a functional layout. Major updates include a new HVAC system and updated water heater, providing added peace of mind for the next owner. The seller is also willing to provide a home warranty with an acceptable offer. Conveniently located near shopping, dining, major highways, military installations, and area shipyards, this move-in-ready home is ready for its next owner.

3832 Old Farm Road, Northwest Portsmouth
$315,000
3 Beds ⋅ 1.1 Baths ⋅ 10649646 MLS
A charming single level home tucked away on a spacious quarter-acre lot in Portsmouth. Welcome to 7 Red Barn Court! Inside, fresh neutral finishes and LVP flooring create a bright, inviting feel throughout. The kitchen features white cabinetry, stainless steel appliances, generous counter space, and an adjoining dining area, while multiple living spaces provide plenty of room to spread out and entertain. A standout brick wood-burning fireplace adds warmth and character to the family room. Outside, enjoy a large backyard surrounded by mature trees with ample space for relaxing, gardening, or outdoor gatherings. An attached one-car garage provides additional parking and storage. This home offers plenty to appreciate both inside and out.

7 Red Barn Court Court, Northwest Portsmouth
$375,000
3 Beds ⋅ 2.1 Baths ⋅ 10649619 MLS
Welcome to this beautiful 3 BR, 2.5 BA Cape Cod in sought-after Churchland. Open concept first floor features hard surface flooring and an updated kitchen with wood cabinetry, granite countertops, island, and stainless steel appliances. Separate laundry room, dining room & half bath.Upstairs, the spacious primary suite is a true retreat,with a spa-like freestanding tub, tiled shower & a dual-sink vanity. Outside, enjoy a huge backyard fully enclosed by a 6-foot privacy fence, offering plenty of space for entertaining. Tucked away in a quiet neighborhood while still convenient to military bases, schools, shopping, parks, and more, this move-in-ready home has so much to offer!

5807 Dunkin Street, Northwest Portsmouth
$299,000
3 Beds ⋅ 2 Baths ⋅ 10649238 MLS
Charming 3-bedroom, 2-bath ranch home in a well-established neighborhood, ready for your personal touches! Built in 1963, this home offers great potential with hardwood floors beneath the existing carpet, ceramic tile in the bathrooms, and vinyl flooring in the kitchen. Recent updates include replacement windows, a newer roof, and newer HVAC. Outside, enjoy a large fenced-in yard with plenty of space for entertaining, gardening, pets, or simply relaxing. A wonderful opportunity to make this solid, classic ranch your own with some personal cosmetic updates! Home is selling as-is, and is priced to sell. Price takes into consideration the personal touches you may choose to do as new owner.

4904 Manor Avenue, Northwest Portsmouth
$399,000
3 Beds ⋅ 1.1 Baths ⋅ 10649430 MLS
Beautifully updated three-bedroom brick ranch! The completely remodeled kitchen features new cabinets, quartz countertops, a stylish backsplash, and all-new appliances. Additional improvements include refinished and some newly installed hardwood floors, fresh paint, and a new central air-conditioning system. Enjoy the spacious den with a cozy fireplace, bright sunroom, and a large backyard great for relaxing or entertaining. Best of all, take in gorgeous views of the Elizabeth River right from your front porch!

4644 River Shore Road, Northwest Portsmouth
$425,000
3 Beds ⋅ 2 Baths ⋅ 10649313 MLS
One-owner, all-brick ranch tucked away at the end of a quiet street in Hunters Point! Lovingly maintained with a flowing floor plan, cozy den, and updated kitchen featuring white cabinetry, granite countertops, and stainless appliances. Wood floors are believed to be under the carpet. Newer HVAC and generator. Enjoy a tropical backyard retreat with koi pond and a huge detached all-brick workshop. Convenient to bases, shipyards, beaches, and interstates. Make it your own!

4704 Hunters Point Drive, Northwest Portsmouth
$330,000
3 Beds ⋅ 2 Baths ⋅ 10649069 MLS
Welcome home to this beautifully renovated property in Portsmouth, where stylish updates meet peace of mind for years to come! Major improvements include a new roof, new windows, new HVAC system, and new water heater, helping take the worry out of costly big-ticket replacements and offering low-maintenance living for years ahead. Step inside to discover brand-new LVP flooring throughout the main living areas, fresh carpet in the bedrooms, and updated lighting and fixtures. The completely renovated kitchen offers a fresh, modern space for everyday living and entertaining, while the brand-new bathrooms feature stylish finishes throughout. Outside, enjoy a new back deck overlooking a spacious lawn with plenty of room to relax, garden, or gather. An additional storage shed provides convenient space for tools, lawn equipment, and more. Situated on a quiet street with easy interstate access and close proximity to shopping, dining, and everyday conveniences, this truly move-in-ready home has been thoughtfully updated from top to bottom. Move in, unpack, and enjoy! Schedule your tour today!

5720 Dunkin Street, Northwest Portsmouth
$334,900
4 Beds ⋅ 2 Baths ⋅ 10648738 MLS
Quality built all brick ranch featuring cathedral ceilings, a retro kitchen, a massive detached garage with electric plus an attached garage, and a spacious lot, it is a rare find in today's local market. Freshly painted and new LVP flooring throughout. New gas water heater with newer roof and HVAC. Great location convenient to Southside and Peninsula.

5404 N Greenefield Drive, Northwest Portsmouth
$280,000
3 Beds ⋅ 2 Baths ⋅ 10648697 MLS
Welcome home to this beautiful, well-maintained 3 bedroom 2 bathroom ranch in the heart of Churchland! Featuring a long list of upgrades, this home is truly move-in ready! Major recent improvements include HVAC, water heater, gutters and crawlspace encapsulation complete with dehumidifier! Kitchen features ceramic flooring, beautiful backsplash, stainless steel appliances and ample cabinet and counter space! Bathrooms feature newer vanities, light fixtures, ceramic flooring and exquisitely tiled shower/tub! Hardwood floors and lots of natural light flow throughout! The incredibly spacious backyard is great for family fun, entertaining and relaxation! Located near I-164 for convenient access to the Coast Guard Base, Downtown Norfolk, Historic Olde Towne Portsmouth, North Suffolk, shopping, restaurants, entertainment, medical facilities, colleges and more! Schedule your private tour today!

5902 Arden Street, Northwest Portsmouth
$375,000
4 Beds ⋅ 2 Baths ⋅ 10647513 MLS
Where comfort meets everyday living, this inviting home in Portsmouth’s Churchland area offers the perfect setting for creating memories, enjoying quiet moments, and celebrating life’s special occasions. Set on a spacious lot, it provides the space, flexibility, and warmth buyers are looking for in a place they can truly call their own. Imagine slow mornings with coffee in hand, conversations around the kitchen table, and evenings gathered by the fireplace creating traditions that make a house feel like home. With four bedrooms and a flexible layout, there is room for a home office, guest retreat, hobby space, or a peaceful place to unwind. The heart of the home invites connection, offering comfortable spaces for hosting friends, enjoying family dinners, or relaxing together. The kitchen provides everyday conveniences with a dishwasher, microwave, range, and refrigerator. Step outside and discover a backyard designed for enjoying life beyond the walls of the home. The deck and gazebo create an ideal space for weekend gatherings, outdoor meals, morning coffee, or simply enjoying your own private retreat. The fenced yard offers room for hobbies, gardening, outdoor activities, and making memories through every season. Thoughtful updates add even more value, including an HVAC system upgraded in 2023, gas water heater upgraded in 2020, and roof upgraded in 2010. Additional highlights include a two-car garage, brick exterior, security system, ceiling fans, central air conditioning, forced hot air heating, and a comfortable floor plan. Conveniently located with access to shopping, dining, recreation, and destinations throughout Hampton Roads. From cozy evenings by the fireplace to afternoons spent outdoors, this home offers more than just a place to live. It offers a place to gather, grow, and create the moments that make life special. Schedule your private tour today!

3840 Long Point Boulevard, Northwest Portsmouth
$335,000
4 Beds ⋅ 1.1 Baths ⋅ 10648734 MLS
Welcome to this beautifully maintained corner lot home in Portsmouth, where comfort, space, and thoughtful updates come together. Offering 1,508 sq ft per city records, plus a detached garage of approximately 420 sq ft, this home features a spacious primary bedroom converted from the original garage. The converted space and detached garage are not included in the reported living area. Enjoy brick/vinyl exterior, LVP and carpet flooring, and major 2020 updates including roof, HVAC, water heater, and kitchen. Move-in ready with room to add your personal touch!

4636 Mallard Crescent, Northwest Portsmouth
$325,000
3 Beds ⋅ 2 Baths ⋅ 10648653 MLS
Welcome home to this beautifully updated 3-bedroom, 2-bath home! The updated kitchen features stainless steel appliances and a fresh, modern feel. Right outside you will find a spacious backyard that’s great for entertaining, relaxing, or hosting family and friends. The deck will also be replaced, making the outdoor space even more enjoyable. With thoughtful updates throughout and plenty of room inside and out, this home is ready for its next owner! Easy to show, easy to love!

3913 Shannon Road, Northwest Portsmouth
$415,000
4 Beds ⋅ 2.1 Baths ⋅ 10648614 MLS
Welcome to this charming 4-bedroom Cape Cod home located in the highly desirable Churchland area! This well-maintained property offers a versatile layout, including a convenient first-floor bedroom—perfect for guests or multi-generational living.Inside, you’ll find beautiful hardwood floors flowing throughout the home, adding warmth and timeless appeal. A dedicated office space provides the ideal setup for remote work or study, while the inviting sunroom offers natural light and a peaceful retreat year-round.Step outside to enjoy the spacious deck—perfect for relaxing evenings or entertaining family and friends.Ideally situated close to the interstate and a variety of shopping and dining options, this home combines comfort, functionality, and convenience. Don’t miss your opportunity to own this wonderful property in a sought-after location!

4508 Norman Road, Northwest Portsmouth
$499,900
3 Beds ⋅ 2.1 Baths ⋅ 10648397 MLS
Stunning, move in ready home on water with access to the Elizabeth River. Be confident in the meticulous upgrades including new gas furnace and AC, hot water heater, gas stove and fireplace. Encapsulated crawl with new sump pump and dehumidifier. Go outside to a fully fenced backyard oasis including a new screened-in porch with warm and inviting lighting. Fully functional chef's kitchen. New shed/workshop with power along with extended driveway space. Professionally designed and landscaped yard. This 1 acre sanctuary is an entertainer's dream in a sought after neighborhood within the heart of Churchland schools.

5225 Amherst Drive, Northwest Portsmouth
$350,000
3 Beds ⋅ 2.1 Baths ⋅ 10648197 MLS
Welcome to 20 Centre Port Circle! Completely renovated in 2016, this beautifully maintained detached single-family condo in the desirable River Pointe community offers 3 bedrooms, 2.5 baths, approximately 1,664 square feet, and a 2-car garage. The 2016 renovation included the roof, windows, HVAC, water heater, and other major systems. Inside, enjoy hardwood flooring, granite countertops, stainless steel appliances, a fireplace, and a spacious primary suite. Step outside to a patio overlooking the community lake, creating a peaceful backdrop for relaxing or entertaining. River Pointe amenities include a clubhouse, pool, playgrounds, grounds maintenance, and trash pickup. Enjoy the privacy and feel of a detached home with the convenience of condo living.

20 Centre Port Circle, Northwest Portsmouth
$299,900
4 Beds ⋅ 2.1 Baths ⋅ 10645179 MLS
Opportunity awaits! This home is ready for some love and offers the perfect opportunity to renovate and make it your own. Situated on a spacious, beautiful corner lot in an established neighborhood, this ranch-style home sits on approximately 0.25 acres and includes a detached two-car garage. With great potential for customization and added value, it's an excellent option for investors or owner-occupants looking to create their dream home. Conveniently located near shopping, dining, schools, parks, and major interstates, this property offers both potential and a desirable location. Don't miss the chance to bring your vision to life!

4710 Milan Drive, Northwest Portsmouth
$349,900
3 Beds ⋅ 1 Baths ⋅ 10648054 MLS
HURRY..DON'T MISS THIS 3 BEDROOM, CORNER LOT, HUGE YARD, 2 SHEDS, GORGEOUS KITCHEN WITH SS APPLIANCES AND LOTS OF CABINET STORAGE, WALK IN PANTRY, LUSH LANDSCAPING, FENCED YARD, NEW CARPET, NEW PAINT, BRICK RANCH. BONUS ROOM ABOVE GARAGE. LOTS OF CLOSET STORAGE BUILT INS, CLEAN, ENCAPSULATE CRAWL SPACE WITH DEHUMIDIFIER AND SUMP PUMP, NEW DECK, FULL PRIVACY FENCE, POOL HOOKUP ALREADY AVAIL, STORAGE UNDER STAIRS IN GARAGE, WELL MAINTAINED HOME NEAR INTERSTATE, MILITARY BASE, SHOPPING AND MORE! MOVE IN READY HOME.

4901 Clintwood Drive, Northwest Portsmouth
$379,900
3 Beds ⋅ 2 Baths ⋅ 10648050 MLS
You will love this stunning brick ranch in the Greenefield Farms neighborhood located in Portsmouth’s desirable Churchland community. Over a quarter of an acre of land for family & friends to enjoy. Real hardwood floors professionally refinished. Updated eat-in kitchen with granite countertops, tile backsplash, cabinets with soft close doors & drawers, large island for extra seating, stainless steel appliances, & large floor tiles. Both bathrooms have been completely updated with all new fixtures & tile. Bonus room over garage offers endless possibilities for a home office, entertainment space, or personal retreat. This additional flexible space is not included in the home's recorded square footage. Convenient to interstates, bases and more. Schedule your tour today,

5529 S Greenefield Drive, Northwest Portsmouth
$339,000
4 Beds ⋅ 2.1 Baths ⋅ 10647644 MLS
Welcome to the sought-after gated River Pointe Community! This beautifully maintained detached single-family condo offers 4 bedrooms, 2.5 baths, over 2,100 square feet, and a 2-car garage. Enjoy a bright, open floor plan with a spacious kitchen featuring granite countertops, stainless steel appliances, abundant cabinetry, and plenty of room for entertaining. Relax and unwind with peaceful pond views from the home and the spacious primary suite, complete with a sitting area. The primary bath features an upgraded tile shower, while generous closet space and large secondary bedrooms provide room for everyone. The community clubhouse is just steps away, making gatherings and special events a breeze. Come experience all River Pointe has to offer!

172 Nautico Way Unit 34, Northwest Portsmouth
$315,000
3 Beds ⋅ 2 Baths ⋅ 10647414 MLS
Discover this updated 3-bedroom, 2-bathroom home offering 1,344 sq. ft. of move-in-ready living space on a spacious corner lot. Ideally situated for fast, easy commutes to nearby bases, VIG Terminals, shipyards, the Midtown Tunnel, and major interstates, this property keeps you near local shopping and dining. Highlights include a 2-year-young roof, newer windows, recently updated exterior paint, a clean gravel driveway, and an oversized detached 1-car garage. Newer carpet in the living room and bedrooms, updated light fixtures throughout, and functional ceiling fans in the living area and primary suite. Fully updated with granite countertops, a stylish ceramic tile backsplash, stainless steel appliances, and durable LVP flooring. The primary suite offers a standup shower, LVP flooring, and a sleek pedestal sink. The main hall bath features porcelain tile flooring and updated fixtures. Includes a regularly serviced Lennox HVA

3600 Mariner Avenue, Northwest Portsmouth
$190,000
4 Beds ⋅ 2 Baths ⋅ 10646605 MLS
HUD-owned home in Portsmouth's Armistead Forest neighborhood, zoned for Churchland schools. This 1-story, 4 bedroom, 2 full bath residence offers approximately 1,967 sq ft on a 0.36-acre lot. Features include a first-floor bedroom and primary bath, wood-burning fireplace, covered porch, and washer/dryer hookups. Sold strictly as-is; property is vacant and easy to show. Great opportunity for a buyer ready to add their own updates. HUD Case# 541-749467 IE (Insured Escrow). Seller makes no representations or warranties as to property condition. HUD Homes are Sold “As-Is”. If built prior to 1978, lead based paint may potentially exist. Equal Housing Opportunity. Seller may contribute up to 3% for buyer’s closing costs, upon buyer request. 3D True Immersive Virtual Tour available. Check it out today! Property sold As-Is. Ask about $100 FHA Down payment HUD Program.

3711 Magnolia Drive, Northwest Portsmouth
$415,000
4 Beds ⋅ 2.1 Baths ⋅ 10647129 MLS
Property in Move-in condition. New flooring in most rooms, new interior paint and exterior paint, wrapped trim on exterior. New appliances, updated kitchen with new quartz counter top, sink, faucet, refinished cabinets, new hall bathroom tub. Composite deck with awning, PVC fence, large yard. This one will not last. HURRY!!!. Near all bases

3952 Long Point Boulevard, Northwest Portsmouth
$335,000
3 Beds ⋅ 2.1 Baths ⋅ 10646733 MLS
Beautiful single-family detached condo located in the peaceful community of Egrets Cove. Located in a well-established neighborhood of Churchland, yet conveniently located to shopping, schools, dining, bases, shipyards, and minutes to the freeway and all that Hampton Roads has to offer. This 3-bedroom, 2.5-bath home offers a spacious and functional layout with vaulted ceilings for relaxed living and entertaining. There are too many updates to even mention but include a newer roof and HVAC and updated kitchen, primary bathroom, lighting, paint, and first floor LVP. The large rooms and ample storage, including an attached two car garage; provide enough room for functionality and ease. The back windows provide tons of natural light and the back faces the pond with a fountain for tranquil evenings or entertaining. Don't miss the top-notch amenities including ground maintenance, playgrounds, pool, clubhouse, and walking trails to make the most of your new move-in ready home!

42 Creekside Drive, Northwest Portsmouth
$342,000
3 Beds ⋅ 2 Baths ⋅ 10646282 MLS
Solid construction, thoughtful updates, and years of meticulous care make this classic 1960s brick ranch a standout. Offering approximately 1,550 square feet, this 3-bedroom, 2-bath home features an open living and dining area, original hardwood floors, and a spacious one-car garage. The kitchen was tastefully updated and provides plenty of workspace and storage. Major improvements completed within the past seven years include the roof, windows, HVAC system, and gutters, while new bathroom flooring was installed in 2026. If you're looking for the character and craftsmanship of a well-built home without taking on a long list of costly projects, this home offers the peace of mind that's hard to find. Conveniently located in the Churchland area of Portsmouth near shopping, dining, and commuter routes.

3624 Linnet Lane, Northwest Portsmouth
$415,000
3 Beds ⋅ 2.1 Baths ⋅ 10645559 MLS
Move-in ready 3-bedroom, 2.5-bath, two-story home offering over 2,000 square feet of comfortable living space! The spacious great room features a cozy fireplace and flows into the breakfast area and well-appointed kitchen with pantry. Upstairs, you'll find generous bedrooms plus attic storage. A standout feature is the screened-inporch—rare for this neighborhood—overlooking a fenced backyard with peaceful wooded marsh views, creating the perfect setting for relaxing or entertaining. Additional highlights include a large garage, driveway parking, whole-house water filtration and water softener system, and a cul-de-sac location. Enjoy low HOA fees with outstanding community amenities, including a clubhouse, pool, playground, and scenic walking trails. Don't miss this exceptional home that combines comfort, privacy, and convenience! Photos are virtually staged.

21 River Reach Close, Northwest Portsmouth
$575,000
4 Beds ⋅ 2.1 Baths ⋅ 10645236 MLS
Exceptional, fully renovated home offering 3621 sq ft, 4 bedrooms, 2.5 bathrooms, and over $325,000 in premium upgrades. Every major system has been replaced, including the roof, HVAC, electrical, plumbing, and tankless water heater, providing peace of mind for years to come. Designed for both everyday living and entertaining, the heart of the home is the spectacular chef's kitchen featuring an impressive 56x10 foot center island, granite countertops, a Viking gas cooktop, Viking vent hood, double ovens, custom walk-in pantry and beautiful stone flooring. A perfect gathering place for family and friends. The inviting family room showcases a stunning stone fireplace, refinished parquet flooring, and an elegant coffered ceiling. The spacious primary suite is a private retreat with a large walk-in closet and a luxurious spa-inspired bath featuring an oversized custom shower. On the opposite wing of the home, you'll find two generously sized secondary bedrooms served by a beautiful bathroom complete with a freestanding soaking tub, separate custom-tiled shower, double vanity, and designer finishes. The 4th bedroom, a professionally converted garage, is currently utilized as a home office, offering flexibility for work, guests, or bonus room. Situated on a generous .41 acre lot, the fully fenced backyard is designed for outdoor enjoyment with a spacious covered patio, great for entertaining, and a large storage shed. This is a rare opportunity to own a move-in ready home where every major improvement has already been completed. Combining luxury finishes and modern conveniences, this exceptional property is ready to welcome its next owner.

2105 Sterling Point Drive, Northwest Portsmouth
$249,500
3 Beds ⋅ 1 Baths ⋅ 10645048 MLS
Welcome to this charming 3-bedroom, 1-bath detached home in Portsmouth’s desirable Churchland area! Beautifully maintained and in great condition, this home is packed with valuable updates and priced to sell. Major improvements include a new roof, an updated bathroom, and a fully encapsulated crawlspace that helps control moisture, improve energy efficiency, protect the home, and provide added peace of mind. The updated kitchen is a standout feature, offering beautiful cabinetry and a thoughtfully designed layout that maximizes storage and makes excellent use of every inch of space. Whether you’re preparing dinner or entertaining guests, this kitchen is both attractive and functional. Inside, the flexible third bedroom is currently used as a bonus room or home office. Simply add doors to create a private third bedroom. Outside, the spacious shaded lot offers plenty of room for entertaining, gardening, pets, and weekend fun. The screened-in front porch is the perfect spot for morning coffee or relaxing after a long day. The detached garage provides even more possibilities as a workshop, hobby space, storage area, or additional flex space. Conveniently located near shopping, dining, military installations, and major Hampton Roads roadways, this home offers an impressive combination of condition, location, space, and value. Schedule your showing today—this Churchland gem is ready for its next owner!

5806 W Norfolk Road, Northwest Portsmouth
$315,000
4 Beds ⋅ 2 Baths ⋅ 10643090 MLS
Opportunity awaits in the desirable Merrifields neighborhood! Nestled in an established community, this home offers solid bones, generous living spaces, and the potential to build sweat equity with a little TLC. Inside, you'll find a functional layout featuring spacious living and dining areas, comfortable bedrooms, and plenty of natural light throughout. Outside, enjoy a generously sized backyard with ample space to create the perfect outdoor retreat. This home provides the perfect canvas for buyers looking to add their own personal touch while enjoying a convenient location near shopping, dining, parks, and major highways.

4052 Wyndybrow Drive, Northwest Portsmouth
$357,900
4 Beds ⋅ 2.1 Baths ⋅ 10643695 MLS
Beautifully renovated 4-bedroom, 2.5 bath detached condo in the desirable River Pointe community! Situated on a corner cul-de-sac lot, this move-in-ready home features vaulted ceilings, a bright breakfast area, and a separate dining room that opens to the spacious living room with a custom mantel and gas fireplace. The 1st floor primary suite offers a large walk-in closet and updated en-suite bath. Two bonus spaces include a fully finished garage with flooring and a large ceiling fan, plus a spacious landing upstairs ideal for a home office, playroom, or flex space. Recent updates include fresh paint, luxury vinyl plank flooring, new kitchen cabinets with granite countertops, stainless steel appliances, bathroom vanities, tub surrounds, toilets, lighting fixtures, and door hardware. Enjoy the vinyl privacy-fenced backyard, community amenities, and convenient location near shopping, dining, military bases, and major highways.

2 Creekside Court Unit 39, Northwest Portsmouth

Some listings may be duplicated in the search results due to the co-mingling of listings from more than one multiple listing service. Should there be different listing information between the duplicated listings; user is advised to verify the accuracy of the listing information before making any financial decisions.