Motherhood Moments

DECEMBER 15, 2022

Shopmium Savings Expert Lisa Thompson offers easy ways you can recoup some of that cash while holiday shopping: Use a cash back app for everyday purchases. Use it to get cash back on everything from groceries, to pet care items, beauty products, cleaning supplies, and more! Get cash back with your credit cards.

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Motherhood Moments

MARCH 4, 2023

For example, you need not go for expensive brands and the latest trends whenever you shop. on your credit card. Make smart choices with credit. Credit can be a valuable tool when used wisely, but it can also quickly lead to debt if you're not careful. And this can help you steer clear of debt.

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Savings Corner

APRIL 4, 2024

You can use this money for any purpose, including home remodeling , consolidating higher-interest debt , college tuition and other financial needs. Cash-out refinance example Let’s say you still owe $100,000 on your home, and it’s currently worth $400,000. For a multifamily home, for example, you can only borrow up to 75 percent.

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Savings Corner

APRIL 4, 2024

You can use your equity to renovate some rooms, pay off credit cards, cover college tuition, start your own business … or almost anything else. Before you can explore how to use this source of wealth, though, you need to know how much you have. You can find out how much your home is worth using a number of methods.

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Prairie Eco-Thrifter

APRIL 10, 2013

They will come out on specific dates, so you should pay attention to your pay periods, and coordinate accordingly if you are using your checking account. Strategy: Use Your Credit Card. Using a credit card can give you time to review the charges and make sure that everything is accurate.

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Prairie Eco-Thrifter

MARCH 4, 2015

When I was a mainframe computer programmer and project manager, we used a relational database product from IBM called DB2. For example, in How to Become a Millionaire by Age 30 the author claims that: “Rich people use debt to leverage investments and grow cash flows. It depends on risk tolerance.

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Savings Corner

DECEMBER 25, 2023

To calculate how much house you can afford, we take into account a few primary items, such as your household income, monthly debts (for example, car loan and student loan payments) and the amount of savings available for a down payment. In the above example, that would allow a mortgage payment of $1,260 to achieve a 28% DTI.

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Penny Pinchin' Mom

FEBRUARY 16, 2024

Needless to say, a vast majority of Americans don’t own luxury vehicles, but that’s not to say that these people own broken-down used cars. Here’s how you can do that without breaking the bank or losing your sanity: Do Your Research “When buying a used car, punch the buttons on the radio. What is your dream car?

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Penny Pinchin' Mom

MARCH 11, 2024

We know that saving for a rainy day isn’t just a phrase our grandparents used to throw around. You need to know where the money is going before you can plan on how to plug the holes and use your income better. You can even use a budgeting app if you need a little more support reaching your financial goal. Believe me!

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Savings Corner

DECEMBER 24, 2023

Find your net worth by using our net worth calculator. For example, if you have a mortgage on a house with a market value of $200,000 and the balance on your loan is $150,000, you can add $50,000 to your net worth. If you’re using your home as an asset, its mortgage counts as a liability as well. Want us to do it for you?

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Prairie Eco-Thrifter

SEPTEMBER 3, 2013

I would be doubtful too if someone told me that, but the truth is that it’s rather easy to do if you have a rewards credit card and work hard to maximize your earning potential with it. If you are a new cardholder you usually get some bonus points upon signing up, and the Amtrak card gives you 12,000 points to start with.

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Savings Corner

DECEMBER 27, 2023

By using these guidelines to standardize how you track and interpret accounting data, you can accurately compare financials from different time periods and gain a clear understanding of your business’s health. Whichever you use, it’s important to understand the basics — even if you have small-business accounting software.

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Savings Corner

DECEMBER 24, 2023

Portions of this article were drafted using an in-house natural language generation platform. Working to improve your credit score and reduce your debt-to-income ratio before applying can help get you the best loan terms. A personal loan is money borrowed from a lender that can be used for nearly any purpose.

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Savings Corner

DECEMBER 27, 2023

Even if you’re doing a credit card consolidation loan [and] the only reason you got a consolidation loan is to have one payment, it still makes sense to gauge the impact on your budget,” Young says. For some people, it’s just easier to see large payments come out of an account they don’t also use to buy groceries.

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The Frugal Girl

NOVEMBER 27, 2023

I made some foolish choices shortly after graduating college, burning through my savings and running up credit card bills. I try to set a good example, so hopefully that’s a good start. I still remember that they bought a kit for me with fake checks and a fake checkbook to balance, using money in the Bank of the Parents.

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Savings Corner

DECEMBER 27, 2023

MORE ABOUT THE CARDS FEATURED ON THIS PAGE Use the buttons at the top of the page to see cards in different categories. Top balance transfer credit cards BankAmericard® credit card: 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account.

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Savings Corner

APRIL 4, 2024

The amount you can borrow with a home equity loan is based on the current market value of your home, the size of your mortgage and personal financials like your credit score and income. If that happens, it can cause serious damage to your credit score, making it harder for you to qualify for future loans. to 10 percent.

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Savings Corner

DECEMBER 24, 2023

The lowest rate quoted assumes excellent credit, and a loan term of 36 months or shorter. For example, if you borrow $10,000 for 36 months at 15.99% APR, to repay your loan you will have to make 36 monthly payments of approximately $351.52. Loan proceeds cannot be used for post-secondary educational or business purposes.

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Coupons Do Work

JANUARY 26, 2016

For those who shop at Kohl’s, there is a way to save even more money by COUPON STAKING and you can stack up to FOUR COUPONS In-Store and Online Codes , here is how to do it : Kohl’s has three types of coupons that can be used by everyone or with a Kohl’s credit card (Kohl’s Charge). One Max per Order).

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Savings Corner

DECEMBER 27, 2023

To qualify you, lenders look at factors including your credit score, credit report and debt-to-income ratio. Lenders primarily use your financial and credit information to determine your rate, but may consider additional information like whether you own your home, your education level and your employer.

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Prairie Eco-Thrifter

FEBRUARY 3, 2016

With so many things that we parents have to teach our children, from using the potty to being a good and decent citizen, it’s no wonder that financial lessons sometimes get pushed aside in favor of more immediate needs in raising our kids. Here are a few that worked for us. Set an example of living below your means.

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Prairie Eco-Thrifter

JANUARY 30, 2012

Thrift stores are for more than just clothing, and they are great places to find used furniture for cheap. Some people wouldn’t be caught dead going into a thrift store, but they are often nice, clean stores where you can find great, gently used items at great prices. What strategies do you use to find good deals at thrift stores?

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Prairie Eco-Thrifter

APRIL 27, 2011

Guest Post Author Bio: Mike runs a site for credit card reviews and talk, CreditCardForum.com. Although he does advertise things like credit card bonus offers on his site, he stresses the importance of thinking them through in advance. Signing up for credit card bonus offers is stupid if it leads to excess spending.

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Prairie Eco-Thrifter

APRIL 20, 2011

Guest Post Author Bio: This post is from Charles at CreditDonkey, where he writes about frugal credit card deals and tips. Visit CreditDonkey.com to find and compare credit cards. However, you can teach stewardship, and set an example by helping others. Get what you can use within 3 months, and stop at that.

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Penny Pinchin' Mom

DECEMBER 17, 2023

Say for example, if I put $500 away this month but still had $9,000 in debt, I would immediately think, I potentially only owe $8,500 but have $0 in savings. This is why you should pay off your high-interest debts like credit cards first. Hidden in the terms might be clauses with penalties for early repayment.

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Savings Corner

APRIL 4, 2024

Both act as second mortgages, using your home as collateral, and may offer tax deductions if the funds are used for substantial repairs or upgrades. HELOCs (home equity lines of credit) come with variable interest rates and fluctuating monthly payments (like credit cards). HELOC: What is it?

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Prairie Eco-Thrifter

OCTOBER 22, 2013

If they ask you about money when they see you using it to pay for things like groceries, explain to them that it’s used to pay for things that the family needs like food and shelter. For example, if your kid wants a new bike, tell them to save toward a goal and that you’ll match them if they reach it. Learning What They Live.

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Family Balance Sheet

AUGUST 17, 2011

Credit Card Statements - These can also be found online, so I'm not sure a paper copy is necessary, unless you need it for documentation for tax deductions, then see Taxes below. You should keep any credit card receipts to match up with your statement. Retirement/ Savings/Brokerage Statements -.

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Prairie Eco-Thrifter

JUNE 4, 2013

I like to use my bi-weekly mortgage payments as an example of this. Some of my automatically paid bills, like the satellite TV bill and the produce delivery, are charged to the credit card each month. My other stopgap is the personal line of credit. Timing Matters in Finances.

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Fashion Without Guilt

MAY 9, 2011

For example, when booking a hotel with Hotwire, you can know the area of town, the amenities, and the hotel rating, but not the hotel brand. By using these opaque websites, you can save up to 50% off hotels. Travelocity with the Travelocity Credit Card. The Travelocity card has a $35 annual fee. on Big Crumbs.

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Family Balance Sheet

SEPTEMBER 9, 2014

About $52,000 of that $147K was consumer debt (credit cards, a student loan, a car loan, a home improvement loan, etc.) From start to finish it took us a very long time — I would guess 10 years. We just wanted to pay off our credit cards, which seemed like a huge task since we’d struggled with it for years.

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For the Mommas

JUNE 29, 2015

With hackers tapping into major businessesí credit card information, and credit card companies issuing offers to your toddler, you never know where or how your information can fall into the wrong hands. Consider purchasing a shredder ñ then use it. Consider using difficult to crack passwords and change them often.

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Savings Corner

APRIL 4, 2024

Flexibility With a HELOC, you use the funds as you need them, then repay only what you borrowed (with interest). In contrast, home equity loans and personal loans offer a lump sum that has to be repaid in full (also with interest), whether you use all of the money or not. Like credit cards, HELOCs come with variable interest rates.

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Prairie Eco-Thrifter

FEBRUARY 13, 2011

Why You Should Use Eco-Friendly and Natural Cleaners for Your Home [link] #. Why You Should Use Eco-Friendly and Natural Cleaners for Your Home [link] #. RT @ financialsamura Examples Of Good Resumes That Get Jobs [link] # interview #jobs # luck #tips #. The Gotcha’s of Gas Credit Cards [link] #. "( [link] ) #.

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Koupon Karen

JANUARY 15, 2024

Merchant Cash Advances: These provide an advance against future credit card sales. For example, if expanding into a new market, this goal dictates your borrowing needs. Precise alignment with your business objectives ensures effective use of the loan for its intended purpose, like market expansion or technology upgrades.

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Prairie Eco-Thrifter

JANUARY 30, 2017

The author of Kiplinger article ‘How Money Is Used as a Weapon in Relationships ‘ says: “Money is among the most powerful weapons of control in a relationship.” Yet newlyweds as well as long time married folks may not even be aware of some of the money tricks they or their spouse could be using. Asset hiding.

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For the Mommas

DECEMBER 19, 2015

Many stores offer their customers special deals if they use their store credit card. For example, some stores may offer 25% off. Using your store credit card to save on Christmas gifts doesn’t mean you have to throw yourself into massive debt. Take Advantage of Member Offers.

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