Savings Corner

DECEMBER 25, 2023

7 types of auto loans New car purchase loans enable you to borrow money to buy a new car and pay it off over time. Auto refinancing loans enable you to replace your current auto loan with a new one from another lender. First-time car buyer loans can be challenging to get when you have no previous car loan or credit history.

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Savings Corner

APRIL 4, 2024

Images by Getty Images; Illustration by Hunter Newton/Bankrate Although interest rates aren’t as favorable as they were in recent years, refinancing might make sense for homeowners who want to pull out cash to renovate their homes. PenFed Credit Union 650 for conventional loans, 700 for jumbo loans, 620 for FHA loans 4.7

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Prairie Eco-Thrifter

MAY 30, 2012

So, in this article, we’re going to look at 10 small money mistakes that many people make, often unaware of the impact they are having on their financial security. Having Multiple Credit Cards Buying with credit cards leads to spending more than you earn and we all know where that leads. It’s wasted money.

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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. Know where every dollar goes Find ways to spend more on the things you love, and less on the things you don’t.

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Savings Corner

DECEMBER 25, 2023

Cash-out refinances are helpful with major expenses, because you generally can borrow much more than you could with a personal loan or by using credit cards. If mortgage rates have increased since you bought your home, you may think twice before refinancing. Cons of a cash-out refinance Foreclosure risk. Time-consuming.

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Prairie Eco-Thrifter

JANUARY 18, 2019

Here are some situations that could warrant the need for quick funding: Debts Must Be Settled: For those that care about their credit score, paying off a debt means making sure that each monthly payment is made on time, and in full. Failing to do so could be detrimental to that squeaky-clean credit! Personal Line of Credit.

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Prairie Eco-Thrifter

MARCH 16, 2011

If you find ways to reduce your mortgage payments, you could wind up saving a lot of money each month. This extra money can be used to fund your retirement account or pay down some bills. Regardless of what purpose you decide to use this money for, it is always a good idea to get a lower mortgage payment whenever possible.

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Savings Corner

APRIL 4, 2024

HELOCs (home equity lines of credit) come with variable interest rates and fluctuating monthly payments (like credit cards). Home equity lines of credit (HELOCs) and home equity loans are two similar finance tools — methods of borrowing money against the ownership stake you have in your home. HELOC: What is it?

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Savings Corner

DECEMBER 25, 2023

How to use the mortgage calculator Under “Home price,” enter the price (if you’re buying) or the current value (if you’re refinancing). NerdWallet also has a refinancing calculator. If you’re putting enough money down. Interest: What the lender charges you to lend you the money.

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Savings Corner

DECEMBER 25, 2023

NerdWallet’s Best-Of Award Winner Best Mortgage Lender For Cash-Out Refinancing NBKC: NMLS#409631 5.0 It offers a significant volume of cash-out refinancing with unusually low origination fees. The mortgage lender provides the rest of the money to buy the property. down if you have a credit score that’s at least 580.

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Family Balance Sheet

FEBRUARY 19, 2022

My new mission was to manage our money to make sure we used it wisely and stretched it as far as possible. We have been in our home for over 20 years and I’ve refinanced for better rates at least five times, mostly for free. Money and marriage are a joint responsibility between the two spouses (at least in our home).

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Savings Corner

APRIL 4, 2024

Key takeaways Determine how much you need before you apply to avoid requesting more money after you’re approved or borrowing more than you need. Learn the approval requirements and prequalify (if offered by the lender) before applying to minimize your potential credit damage.

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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. It represents the total debt against the home: both the original mortgage and the size of the new home equity loan or line of credit. Here’s how to calculate the equity in your home.

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Prairie Eco-Thrifter

NOVEMBER 2, 2011

The global economic downturn and credit crunch has placed a large number of people under great financial pressure. Many are seeking loans to help give them short term respite from current money worries. Related posts: No Cost Refinancing – Pros and Cons. How Will Your New Spouse Affect Your Credit Score?

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Savings Corner

DECEMBER 27, 2023

Federal grad PLUS loans have higher interest rates and fees than direct unsubsidized loans, but you can borrow more money — up to your total cost of attendance, minus other aid received. But these loans have lower interest rates and fees than PLUS loans, so opt for unsubsidized loans before graduate PLUS loans.

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For the Mommas

JANUARY 23, 2013

Have more money automatically withdrawn from your paycheck and put in your 401k. If you’re still worried you’ll break your resolution, consider motivating yourself by money. If you achieve it, nothing happens, but if you don’t achieve it, the site will charge your credit card and donate money to a charity whose cause you hate.

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Prairie Eco-Thrifter

APRIL 5, 2012

His wife had been a bartender and had just switched to cleaning houses for money instead. One day, he called my husband over to admire his new purchase, explaining to him that he had to take out a line of credit on his house to get it! There are a number of valid reasons that folks spend their hard earned credit on bikes.

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Prairie Eco-Thrifter

MARCH 14, 2012

You are wasting money if you speed. There is of course, also the cost of your time – the time you spend waiting for the officer to issue the ticket and the time you spend dealing with it, not to mention the time you spend earning the money to pay it! Why do people want to waste their money to shave a few minutes off their drive?

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Prairie Eco-Thrifter

OCTOBER 15, 2011

Money Cone: 9 Impulse Buys that Turned Out Better than Expected We’ve all bought stuff based on commercials that turned out nothing like how it was advertised. Live Real, Now: Make Extra Money, Part 6: Setting Up a Site In this installment of the Make Extra Money series, LRN is going to show you how to set up a WordPress site.

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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. He felt like we were living a life of “lack” with my constant chatter about money. 5 Tips to Stop Fighting about Money in your Marriage.

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For the Mommas

JANUARY 26, 2016

Searches for 350+ deductions and credits, including tax-saving rental property deductions. Additional guidance for rental property income, expenses, depreciation and refinancing. Retirement tax help and our IRA tool helps you get more money back. 5 federal e-files. Includes 1 State product download.

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Saving Cents With Sense

JUNE 19, 2013

If you’re tired of being broke, it can be tempting to blow some money you don’t have on lobster, steak or a bottle of wine. Once you have a bit of money together, you can make a well-deserved and stress-free splurge. Unfortunately, these decisions aren’t financially sustainable.

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