Savings Corner

DECEMBER 24, 2023

Key takeaways A personal loan is money you can borrow to finance large purchases, consolidate debt, invest in yourself or cover emergency expenses. Working to improve your credit score and reduce your debt-to-income ratio before applying can help get you the best loan terms. You will also start to repay the money.

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Family Balance Sheet

MARCH 4, 2015

Today’s Debt Free Story is from Maureen. She writes at A Debt Free Stress Free Life. Besides writing on my personal finance blog, A Debt Free Stress Free Life, I’m an adjunct professor at a local college and own a residential and commercial cleaning business. How much debt did you pay off? Where are you from?

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Savings Corner

DECEMBER 27, 2023

These loans come with credit-building tools, flexible repayment terms and special features for debt consolidation and home improvement projects. Direct payment to creditors with debt consolidation loans. Maximum debt-to-income ratio: 75%, including mortgage and the loan you’re applying for. Minimum annual income: None.

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Savings Corner

DECEMBER 25, 2023

You apply for a private student loan through a bank, credit union or online lender. Compare offers from multiple lenders including banks, credit unions, online companies and state-based lenders to find the lowest interest rate. You apply for a federal student loan by submitting the FAFSA. How do I choose a private college loan online?

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Prairie Eco-Thrifter

MAY 29, 2013

For those who prefer to pay with cash and avoid the credit card debt cycle altogether, building a solid credit history and high FICO score can be a challenge – but it doesn’t have to be. Debt load – 30%. This portion of your score reflects how much debt you carry. If you prefer to pay cash and avoid revolving debt, that’s great.

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Family Balance Sheet

OCTOBER 16, 2017

I could talk all day about personal finance and money-saving strategies, but my husband, while very responsible with money, just doesn’t feel the same way. To keep the communication flowing, I created my very first Balance Sheet to give my husband a snapshot of our household and business finances. It was tricky at first.

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Savings Corner

APRIL 4, 2024

Just like any other loan, you apply for refinancing, which includes a thorough check of your credit, income, employment history and finances. The money you tap from your home’s equity can be used to consolidate higher-interest debt or to improve your home. Where do I find more information on mortgage refinancing?

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Savings Corner

DECEMBER 27, 2023

Use this calculator to help you decide whether a personal loan is the right financing option for your plans. Your personal loan interest rate is based primarily on your credit profile and financial information. Good-credit borrowers with low debt-to-income ratios often get the lowest rates. Enter your interest rate.

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Prairie Eco-Thrifter

MAY 10, 2012

Failure to monitor your consumption expenditures means that they are flying blindly regarding their future finances. ’ Financial Planning Ashley presents Should I Get Married with Debt? . ’ Financial Planning Ashley presents Should I Get Married with Debt? Norton and now in its ninth edition.

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Money May 2012 Debt 113

Prairie Eco-Thrifter

APRIL 6, 2012

Wayne presents Purpose of Budgeting posted at Young Family Finance , saying, “Are you left wondering why you should budget? History repeats and informs in market technologies. It’s modeled much like Michael Pollans Food Rules with many one-page rules that give short but useful tidbits of information.

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Prairie Eco-Thrifter

JUNE 14, 2012

The Skilled Investor , Editor Budgeting and Economics Paul Vachon presents Frugal Living Made Easy posted at The Frugal Toad , saying, “Frugal living is all about making informed and deliberate choices in how to spend money. Without insurance, this could literally break the bank for many people.

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Money 2012 June Credit Cards 124

Prairie Eco-Thrifter

APRIL 4, 2016

Eventually, they will seek out information and perhaps even assistance in learning to manage the wealth they have worked so hard to achieve. Depositing each and every birthday and Christmas gift check in the bank. Paying extra on your debt each period and then not incurring new debt. Persistence can be learned.

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Savings Corner

DECEMBER 27, 2023

When it comes time to pay for something, you use your card at the cash register by running it through a card reader (or, if you’re online, you enter your card information on the checkout page). The bank that issued your credit card sends money for the purchase to the merchant where the transaction took place.

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Prairie Eco-Thrifter

JANUARY 14, 2012

After that, while you all primed and interested in personal finance, continue and read the awesome articles that were written across the web this week regarding personal finance and enhancing your lifestyle. Finance Fox : Reasons to Buy a Car in January – After the Holidays! Take a moment to watch them.

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Prairie Eco-Thrifter

JANUARY 7, 2015

Since we just celebrated the New Year, now is the best time to clean up your finances. If you didn’t ring in the New Year with thousands of dollars in savings, no debt, and a budget, there is always time to get on the right track. how much debt you paid off, if you have any. And don’t worry about that saying.

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Family Balance Sheet

JUNE 8, 2018

Do you look at your bank account and wonder, “where did all the money go?” I came up with strategies to help us pay for yearly bills, large expenses, and we were able to pay off debts. For informational purposes only. Use old receipts, bank statements to get an idea of how much you must spend.

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Saving With Shellie

JANUARY 5, 2011

If getting your finances in order is one of your resolutions this year, I’d like to encourage you to use Mint. One of the benefits to Mint is that when you set up your account, you can link your bank, credit card, loan and investment accounts. They use the same encryption security that all the banks use.

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Savings Corner

DECEMBER 24, 2023

Check your credit score Your credit score will help you determine your financing options; lenders use it (among other factors) to set the terms and rates of your loan. Your bank or credit card company might offer free access to your score or credit report, too. Would renting for another year or two improve your financial standing?

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Saving With Shellie

JANUARY 5, 2012

One of the benefits to Mint is that when you set up your account, you can link your bank, credit card, loan and investment accounts. It only takes a few minutes and by doing this Mint can pull in your balances, purchases and stock trades and give you a complete picture of your finances. Mint.com is safe and secure.

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Savings Corner

DECEMBER 25, 2023

Jumbo loans: As low as 5%-10% down payment (varies) Jumbo loans are home loans that fall outside of the Federal Housing Finance Agency’s conforming loan limits. In other words, it’s the extent to which your home is an asset rather than a debt. More equity in your home right away. More equity means more wealth.

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Prairie Eco-Thrifter

MAY 6, 2016

Much of the information in it is basic personal finance guidance (with a biblical twist). With this, you pick a set dollar amount to invest each period, divide it in half and put half in your chosen investment, and the other half into a money market or bank account. I pick up a lot of them at garage sales for 25 cents to a $1.

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Savings Corner

DECEMBER 25, 2023

Alternatively, you might consider a “freemium model” – building up a following with free content and then charging for more detailed information or for those who want to know more. Some platforms invest in equity (stock), while others invest in debt. Analyze historical data on the prospective borrowers to make informed picks.

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