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How Cash Can Be Dangerous For Your Finances
How Cash Can Be Dangerous For Your Finances - There are many benefits to keeping cash; it is safe from hackers, exempt from credit and debit fees, and does not require any hardware or software to use. Most importantly, nothing feels better than having a wallet full of twenties. What most people do not realize is that cash has some serious downsides. Believe it or not, a study from Fletcher School at Tufts University found…
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4 Ways to Save Money on Your House Payment
4 Ways to Save Money on Your House Payment - For most people, their monthly mortgage payment is their largest recurring expense. Lenders typically qualify borrowers for principal-and-interest payments up to 28 percent of their gross monthly income, which is what is earned before paycheck withholding. Throw in property taxes, homeowners insurance and, sometimes, private mortgage insurance, and it's not difficult to top well over a third of your net monthly income. If you're looking…
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10 Steps To Taking Control Of Your Debts
10 Steps To Taking Control Of Your Debts - Few of us go through life without incurring debt. Borrowing money is a convenient way to help us through life. However, when debt starts building up, it can become a major problem. Ignoring the issue is going to make matters worse, so it's important to manage debt. The following steps can help you reduce your debt. Please note that these steps are aimed at people whose…
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Are You Frugal? 7 Money Saving Secrets That Will Transform Your Finances
7 Money Saving Secrets That Will Transform Your Finances - Learning the ways of the frugal may not come naturally, especially if you are used to a life of overspending and debt. Even so, you can adapt those frugal ways, so you can take back control of your checkbook and focus on what is really important. Here are seven money-saving tips your frugal friends would love to share.
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10 Ways to Improve Your Personal Budget
10 Ways to Improve Your Personal Budget - Are you running your own deficits in the form of credit card or student loan debt? Are you living on borrowed time and simply hoping for the best? Here are 10 ways to improve your personal budget starting today. If all goes well, the spendthrifts in the halls of power may take notice and start to turn their own ship around.
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10 Tips on How to Improve Your Credit Score
10 Tips on How to Improve Your Credit Score - Your credit score is more important that you may have realized. It doesn't only affect your ability to take out loans and get a mortgage. It can also make it difficult to get accepted for telephone and similar contracts. Some employers will check your credit before they will offer a job as well. Your credit score determines how much you will pay for a loan…
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6 Ways to Stop Overspending
6 Ways to Stop Overspending - Occasional impulse buying is a behavior that everyone experiences from time to time, but it can difficult to tell when it crosses the line into habitual overspending. There are many reasons why we overspend, whether it's stress-related or simply the result of poor budgeting, and thankfully there are a number of strategies that can help address those underlying issues and bring spending habits under control.
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7 Sure Ways of Becoming Debt Free
7 Sure Ways of Becoming Debt Free - Becoming debt free is a journey that requires the right mindset, planning, discipline, and commitment. Sacrifices will have to be made, and it will take time. It is not easy, but the great news is that ‘It Is Possible’.
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1 Thing Keeping My Husband from Wanting to be Debt Free
1 Thing Keeping My Husband from Wanting to be Debt Free - My husband was not on board with getting out of debt and living debt-free because of the fear of going without. It was the sacrifice that made him leery. He did not want to go without EVERYTHING he was used to, and I get that. I did not expect him to. We sat down and talked about how much money each of us…
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