Savings Corner

DECEMBER 27, 2023

What’s behind the numbers in our mortgage amortization calculator An amortization calculator enables you to take a snapshot of the interest and principal (the debt) paid in any month of the loan. In the beginning years, most of each payment goes toward interest and only a little goes to debt reduction.

Calculators 52

Calculators Homeowner Insurance Debt Property Taxes 52

Savings Corner

DECEMBER 23, 2023

As life happens and your needs change, you may find yourself questioning whether your current life insurance coverage is the best fit for you. If you currently have a term life insurance policy but are considering switching to permanent life insurance coverage, you may be wondering if it’s even possible to make the change.

Life Insurance 52

Life Insurance Insurance College Tuition Fitness 52

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. A lot of factors go into that assessment, and the main one is debt-to-income ratio. If you’re putting enough money down.

Calculators 52

Calculators Taxes Property Taxes Homeowner Insurance 52

Family Balance Sheet

JANUARY 11, 2019

Save $10k in a savings account, specifically earmarked for medical expenses. It was an easy process and I know that we could have saved money by doing it online, but I trust that everything is properly complete. Why We Chose Medi-Share, an affordable solution to traditional health insurance. 1 – DONE!!

Financial Goals 100

Financial Goals Goals 2019 Health Insurance 100

Savings Corner

DECEMBER 24, 2023

These areas range from the basics such as budgeting to more complex areas such as saving and investing for retirement as well as estate planning for the distribution of your assets. Debt reduction – How much do you need to pay down and how can you do it? Investments – How can you save and invest to grow wealthy?

Goals 52

Goals Debt Taxes Insurance 52

Family Balance Sheet

APRIL 11, 2020

Pre-coronavirus, I considered having 3 months of expenses saved in cash to be sufficient. Every night my first prayer is that this virus starts to mitigate, the curve flattens to a manageable level for our health care system, and lives are saved. Post-coronavirus, not so much! Being self-employed, we need the security that it offers.

Budgeting 246

Budgeting Budget Family Debt 246

Family Balance Sheet

MARCH 11, 2021

T – time-based, tangible, In 2019, we paid off six figures of non-mortgage debts. Related Reading : How We Paid off Six Figures of Debt. This simple yet effective list has eased my stress and saved me time. When was the last time you shopped around for homeowners or auto insurance? auto insurance. life insurance.

Finance 130

Finance Cleaning Goals Insurance 130

Savings Corner

DECEMBER 25, 2023

That should include the cost of car payments , fuel, insurance and more. Be sure to factor in costs like maintenance, gas and insurance in addition to loan or lease payments. Use a leasing versus buying calculator to calculate your potential savings. Lenders will look at your debt-to-income ratio, or DTI. Your location.

Cars 52

Cars Car Insurance Calculators 52

Savings Corner

APRIL 4, 2024

The money you tap from your home’s equity can be used to consolidate higher-interest debt or to improve your home. While refinancing can save you money in the long run, it comes with upfront fees. To get rid of FHA mortgage insurance. Source link The post Refinance Calculator | Bankrate appeared first on Savings Corner.

Calculators 40

Calculators Refinancing Insurance Homeowner Insurance 40

Prairie Eco-Thrifter

JUNE 4, 2012

Stay with me here – I’m very concerned about my child’s future, especially in these debt-ridden times of financial uncertainty. Even though my son is only three, I am already teaching him that it’s important to value saving his money. That got me started thinking about life insurance.

Life Insurance 187

Life Insurance Insurance Debt Money 187

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 refinances are generally best for big-ticket costs: Think home renovations or major debt consolidation. The difference between the two is given to you in a lump-sum payment.

Refinancing 52

Refinancing Work Debt Home Improvement 52

Prairie Eco-Thrifter

JANUARY 19, 2012

My University Money included the guest post, Insuring Your Car: Online Car Insurance versus Insurance Agent in the Carnival of Financial Camaraderie #16. Lastly, Diva in Debt included my post, How to Volunteer More in Carnival of Personal Finance. Prairie Eco-Thrifter Was Included in Six Carnivals This Week.

Insurance 150

Insurance Personal Finance Finance Debt 150

Family Balance Sheet

JUNE 22, 2020

It was so big that I cried for two days straight– we paid off six figures in non-mortgage debts. How we got to six figures of non-mortgage debt: In the summer of 2012, we found an opportunity to purchase an office building for our small business. After the first year, the new business debt weighed on me.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Penny Pinchin' Mom

DECEMBER 17, 2023

And by then, saving will have become part of your regular routine, and you won’t bat an eye. Look Into Life Insurance Do you have a life insurance policy? Life insurance will come in handy should anything happen to you or your spouse. It is also generally more affordable and flexible than other types of life insurance.

Finance Tips 52

Finance Tips Finance Emergency Fund Life Insurance 52

Prairie Eco-Thrifter

SEPTEMBER 7, 2021

You can use this cash inflow for your monthly expenses or save it up in your bank account. Host Guarantee Program: Insurance guarantees up to one million dollars through their Host Guarantee program. Senior homeowners can use this money to pay their daily expenses or repay their credit card debt.

Money 100

Money Home Rent Making 100

Prairie Eco-Thrifter

MAY 30, 2012

Controlling careless spending of even $5-10 a week and putting it into savings, can add up significantly over time. Increasing your credit card limit is really increasing your debt, or at least your exposure to debt, so say ’No!’ Look into effective health, disability and life insurance plans.

Money 235

Money Emergency Fund Debt Financial Goals 235

Savings Corner

APRIL 4, 2024

Key takeaways A home equity loan allows you to borrow a lump sum against your home’s equity, usually at a fixed interest rate that’s lower than other forms of consumer debt. While high compared to their average of six percent in 2022, that’s significantly lower than other forms of consumer debt. What is a home equity loan?

Home 52

Home Debt Credit Cards Credit 52

Savings Corner

DECEMBER 25, 2023

Existing debt: Ideally, your total amount of monthly debt obligations (including your mortgage and other loans) shouldn’t account for more than 41% of your monthly pre-tax income. No mortgage insurance: Even with a 0% down payment, VA borrowers don’t pay mortgage insurance. Instead, they pay a one-time funding fee.

Insurance 52

Insurance Debt Credit 2003 52

Savings Corner

APRIL 4, 2024

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. Your home equity equals the current value of your home minus your current mortgage debt. However, the extra debt could make your mortgage lender a little nervous.

Calculators 52

Calculators Home Debt Fair-Trade 52

Prairie Eco-Thrifter

FEBRUARY 21, 2013

There were as always great reads out this week which I have highlighted below: Good Reads From The Blogosphere: If you’re tired of sky-high car insurance premiums, don’t miss Finance Fox’s post on alternative ways to save on car insurance. Paying off debt is hard to do. Paying off debt is hard to do.

Fridays 165

Fridays Insurance Real Estate Debt 165

Prairie Eco-Thrifter

MAY 1, 2013

The rule of thumb that states that it makes sense to spend 30% of your income each month on a housing payment doesn’t take into account the fact that you might have other debts, and that taking on more might over-leverage you. And what happens when you add in property taxes, utility, home insurance, and maintenance?

Life Insurance 213

Life Insurance Insurance Debt Property Taxes 213

Family Balance Sheet

OCTOBER 10, 2014

We’ll talk about cash flow, budgets, debts, and all of the nitty gritty of our finances that might not be fun to talk about, but are so important to discuss. Do you go into panic mode when your car insurance bill arrives? Our personal escrow fund includes: home owners insurance – due yearly. That used to be me.

Finance 100

Finance Property Taxes Organic Organization 100

Prairie Eco-Thrifter

MAY 26, 2016

Helping the parents teach my grandchildren to save is an ongoing project of mine. Each year I bring them together in my Grandma Rie’s Money Camp and focus on different aspects of personal finance, with saving being a focus in each camp. Trepidation about having the grand-kids open a savings account. Six measly cents.

Money 124

Money Saving Money Lowes Grandchildren 124

Savings Corner

APRIL 4, 2024

To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. For more information, please see our Insurance Disclosure. At a glance BEST HOME INSURANCE COMPANY OVERALL (TIE) 4.1

Insurance 52

Insurance Life Insurance Homeowner Insurance Cars 52

Family Balance Sheet

OCTOBER 16, 2017

Back in October 2003, I left a corporate career as a department store buyer with a nice reliable paycheck and benefits– including health insurance –to join my husband in the land of self-employment. The spreadsheet listed our short-term and long-term account balances, our debts, and our short-term and long-term financial goals.

Family 100

Family Financial Goals Debt Calculators 100

Prairie Eco-Thrifter

JANUARY 2, 2014

If so, don’t miss Lisa’s post about how to Use Your Personal Network to Save Major $$$ on Your Wedding at Lisa Vs. The Loans. If so, follow these 3 Basic Rules from Bob at Dwindling Debt. SBB from Simple Budget Blog has a great post for all you renters out there: Renters Insurance: All the Pros, None of Cons.

Mars 180

Mars Fridays Haggle Haggling 180

Prairie Eco-Thrifter

JUNE 8, 2021

Debt and financial stress have more of an impact on your health than most people realize. The reason why is because debt contributes to stress, which affects your health. The reason why is because debt contributes to stress, which affects your health. You want to save more than you spend. Live within your means.

Health 100

Health Gratitude Journal Bath and Body Works 100

Prairie Eco-Thrifter

JANUARY 19, 2011

Saving money has always been important in our household so we have learned some great tips over the years on how to do just that. Here are 10 quick tricks you can use to start maximizing your money and saving more. The internet works great for things like insurance management, loan and finance management, as well as goods for the home.

Saving Money 124

Saving Money Money Insurance Bills 124

Family Balance Sheet

FEBRUARY 19, 2022

Today at age 50+, I still optimize our cash flow, but my focus is shifting towards saving with our daughters’ future education costs, building our net worth, and planning for our retirement years. Shop around for the best price for our big expenses, such as auto and home insurance, medical needs, and mortgage.

Office 130

Office Family Finance Kids and Family 130

Prairie Eco-Thrifter

JANUARY 24, 2013

KK thinks you can think yourself into financial failure –read more at Student Debt Survivor. If you’re in the market for new insurance, make sure to read Deanne’s post about how much life insurance you need at Brighter Life. Thrifty ways to save on travel. Do you want to celebrate an early retirement?

Fridays 165

Fridays Life Insurance Insurance Consumerism 165

Prairie Eco-Thrifter

SEPTEMBER 26, 2013

Check them out: Good Reads From The Blogosphere: Mr.CBB @ Canadian Budget Binder makes a great point that life becomes a lot easier if we just simplify it in his post: Happiness is everything: Saving Money and Buying Time. at Debt Roundup. Oddities Insured: Vampire Bites, Werewolf Attacks, and Ghosts… Oh My!

Fridays 187

Fridays Budgeting Budget New Cars 187

Prairie Eco-Thrifter

MAY 10, 2012

’ Financial Planning Ashley presents Should I Get Married with Debt? ” Jason presents Why We Didn’t Sell Our Car on Craigslist posted at Work Save Live , saying, “Last week I detailed why we considered buying a car through CarMax, and I wanted to do a follow-up on a service of theirs that we actually used.

Money 113

Money May 2012 Debt 113

Prairie Eco-Thrifter

JANUARY 17, 2013

Student Debt Survivor recently had a milestone birthday. 5 money-saving tips for building your next home from Call Me What You Want, Even Cheap is a great read for anyone considering construction of a new home. PET Archives: 4 good reasons to buy travel insurance. Will a “green” car really save you money?

Fridays 150

Fridays Student Motivation Debt 150

Prairie Eco-Thrifter

JULY 10, 2014

Would you feel a weight lifted if you could pay off your high-rate consumer debt? The mortgage and other bills (utilities, insurance, etc.) Am I saving up for a trip later? Think about what brings satisfaction to your life. Do you like helping others? Are you focused on early retirement and the freedom that comes with it?

Budgeting 218

Budgeting Budget Work Making 218

Prairie Eco-Thrifter

SEPTEMBER 25, 2013

Whether you want to pay off debt or save for retirement or get a new TV, you have to be in agreement on the big stuff. It does you know good if you want to live a frugal lifestyle, and you keep trying to save money, if your spouse isn’t on board. Being wary of debt (and paying it down if you have it).

Money 252

Money Finance Motivation Goals 252

Savings Corner

DECEMBER 25, 2023

Down payment costs are just the beginning — you’ll also have to account for closing costs and ongoing homeowner expenses, like property taxes and insurance, and you’ll want to budget for maintenance costs. If you’re putting down less than 20% on the home, you’ll have to pay private mortgage insurance , or PMI. Your loan-to-value ratio.

Calculators 52

Calculators Illinois Credit Debt 52

Prairie Eco-Thrifter

JANUARY 16, 2014

Traditional investment advice says that you shouldn’t invest in the market until you are financially stable, have an emergency fund and have taken care of other basics, such as insurance of all kinds, debt removal and etc. I heartily agree with that advice, but there are ways you can inch into the market along the way.

Emergency Fund 184

Emergency Fund Debt Money Father 184