Penny Pinchin' Mom
MARCH 11, 2024
I set up a standing order from my checking account to my savings on the first of every month, still at $600. So, whenever I banked my check at the end of the month, $600 automatically disappeared from my savings account. Start Using Cash This is a wonderful way to save money. Believe me! See what I did there?
Family Balance Sheet
AUGUST 21, 2020
You’ll know how much is in your checking and savings accounts and your retirement accounts. This section is broken into Short Term (Cash) Accounts, Long Term Accounts, and tangible assets/property values. The amount you need to save to get to your target. Column G = Monthly payment.
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Savings Corner
DECEMBER 24, 2023
One of the biggest benefits of a personal loan is that they often charge lower fixed interest rates when compared to other forms of lending, like credit cards. Pros Lower interest rates: Personal loans typically have lower interest rates compared to credit cards, especially if you have a high credit score.
Savings Corner
DECEMBER 27, 2023
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. The lowest credit scores — usually below 500 — are unlikely to qualify. Credit card consolidation.
Savings Corner
DECEMBER 24, 2023
Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction for setting up direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A. Credit cards issued by Citibank, N.A. Autopay is not required to receive a loan from SoFi.
Family Balance Sheet
SEPTEMBER 14, 2011
Although, I don't bother keeping month end statements any more, because our banks have that information on line for the last 5 years. Major Category: Auto - I keep sub-file for each vehicle with the loan information or deed and service receipts. Major Category: Medical records - I keep a file for each family member.
Saving Cents With Sense
MAY 26, 2014
Based on this information, make a budget. Let’s say one of your goals is to improve your credit rating quickly to get a better rate on a 30-year mortgage, and you’re carrying two credit cards with balances. Though the interest rate might be higher on credit card A, the balance is higher on credit card B.
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