You can’t control rising tuition or housing costs, but awareness of other expenses and knowing where you can save money during college can help reduce your college debt. If you’re looking to put a little extra cash in your pocket this school year, try these few simple tips to save money while you’re a college student.
Here’s an inside look at credit card debt and the middle class in 2012. The way that the typical American has been using credit cards lately may surprise you!
You want to keep a good credit score or if it’s not the world’s greatest at the moment, you want to make improvements to your habits to make that score higher. Here are some credit card tips for good credit, good habits and more money in your bank account.
Financial calculators assist users in forecasting their financial future by performing financial functions commonly needed in business and commerce. To help you pick what financial calculator will best assist you for your task at hand, I have created a list of five of the most useful financial calculators.
Think you’re too young to start planning for retirement? Think again! Check out the many reasons why (and how) you should start saving now!
If financial hardship forced you to choose between your mortgage and your credit card, which would you choose? Our guest contributor, Peter Andrews, reveals the surprising differences between what we say and what we do – and why.
Creditworthiness is important to getting the most out of life, and should be a priority for anyone interested in improving their personal finances. Keep these three things in mind when determining your own credit score.
Making personal finance a priority for 2011? Set yourself up for success with these tips and suggested goals!
There are times when it makes sense to refinance your mortgage. It’s important to have a clear financial objective in mind so that you’re more able to choose the most appropriate loan. Ultimately, the decision is up to you to decide when it’s best for you to refinance, based on your individual financial situation. Refinance from an Adjustable Rate Mortgage (ARM) to a Fixed-Rate It’s important to consider what mortgage rates are doing. Are mortgage rates rising or falling? If you have an adjustable rate mortgage (ARM), it may adjust to a rate that’s higher than a fixed-rate mortgage. Now might be a good time to consider refinancing to a fixed-rate loan. However, you must also consider the amount of time you plan on being in your home. If you’re only going to be in your home for a few more years, it may make sense not to refinance out of your ARM. If you’re going to be in your home longer than seven years, it might be a smart move to refinance to a fixed-rate mortgage. Refinance from a Fixed-Rate Mortgage to an ARM Again, you need to consider how long you plan on being in your home. Many people move within nine years so it may not make sense to pay a higher interest rate for a 30-year fixed-rate mortgage when you’re not going to be in the home that long. Doing so may be costing you money. Consider refinancing to an ARM instead – you’ll get a…
“Where did my money go?” That’s a big question that comes up more often than we’d like. We spend money on many small things that seem inconsequential, but they do add up. To know where you need to trim your budget, it’s important to first know your own spending habits. For a two to four week period, carry a small notebook with you and keep track of every expense, no matter how small. Then evaluate your spending to see where you can make cuts. A great tool that takes the stress out of budgeting is Quizzle.com where you can get a full evaluation of your monthly spending. While you’re evaluating your spending, consider your biggest asset: your home. See if refinancing could help you cut your mortgage payment with our mortgage refinance calculators, then talk with a Home Loan Expert directly. Write down everything you spend. The waste in your daily spending will soon become apparent. Do you use an online budget planner like the one atQuizzle.com? Quizzle’s free, simple to sign up, and a great way to keep track of your spending. Pay off your credit card debt as quickly as possible. It’s much more difficult to get your finances in shape if you’re paying 18% interest rates on your credit cards. If you have to carry debt for a while, switch to a less expensive credit card. Take advantage of the introductory rate and use your monthly savings to prepay your debt as fast as possible. If you can’t pay in cash,…