Savings Corner
DECEMBER 25, 2023
The mortgage payment calculator can give you a reality check on how much you can expect to pay each month, especially when considering all the costs, including taxes, insurance and private mortgage insurance. Property taxes: The annual tax assessed by a government authority on your home and land.
Family Balance Sheet
DECEMBER 29, 2020
Years ago, there was a month where I hadn’t planned on a large property tax bill and I wasn’t sure where we were going to find the money. One January, we received a very large credit card bill in the mail. Actual Spending Log – Use this spreadsheet to enter your actual income and spending for each month.
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Family Balance Sheet
MARCH 9, 2018
There was a month in 2013 where I hadn’t planned on a large property tax bill and I wasn’t sure where we were going to find the money. One January, we received a very large credit card bill in the mail. Actual Spending Log – Use this spreadsheet to enter your actual income and spending for each month.
Savings Corner
DECEMBER 25, 2023
An important metric that your mortgage lender uses to calculate the amount of money you can borrow is the DTI ratio — comparing your total monthly debts (for example, your mortgage payments, including insurance and property tax payments) to your monthly pre-tax income. Credit profile. Debt and expenses.
Prairie Eco-Thrifter
JULY 6, 2014
The sales tax, plus the ongoing higher property tax and insurance are really turning him off – and the van does fine if we drive it locally or just for a few hours to the lake. Really think about the extra insurance. I’ll take a look at insurance this time, but probably still won’t purchase it.
Savings Corner
APRIL 4, 2024
Your cost to borrow could be lower: Cash-out refinances often have lower rates than home equity loans , personal loans and credit cards. You can improve your credit: If you use your equity to consolidate debt, your credit utilization could drop. This can be a boon for your credit score.
Savings Corner
DECEMBER 24, 2023
Get started: You can get your credit report and score from each of the three major credit reporting agencies, Equifax, Experian and TransUnion, for free once a year. Your bank or credit card company might offer free access to your score or credit report, too.
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