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. Home equity can be a valuable resource for homeowners.

Calculators 52

Calculators Home Debt Fair-Trade 52

Prairie Eco-Thrifter

JUNE 6, 2013

It really makes me happy. My friend Jackie over at The Debt Myth has created a Pay Off Debt App which I think is very cool. She has lived the journey of being sunken in debt and then freeing herself and now she is trying to help others do the same with her new app. Saving Money on Renovations.

Debt 145

Debt Fridays Win Green And Frugal 145

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

Family Balance Sheet

SEPTEMBER 21, 2015

We carried no credit card debt and we contributed to our retirement. But in August 2013, our business softened, renovations to our new building were more costly than planned, and we were now the owners of two mortgages, our home and our business. We had a lot of debt, not enough cash flow, and very little set aside for emergencies.

Finance 100

Finance Debt August 2013 100

Savings Corner

APRIL 4, 2024

This can help you keep your monthly payments down and avoid unnecessary debt and interest. However, HELOCs also have a variable rate, and the sense of a seemingly limitless credit line could make them risky for less-disciplined borrowers. Overview: What are the pros and cons of a HELOC?

Credit 40

Credit Home Debt College Tuition 40

Prairie Eco-Thrifter

DECEMBER 19, 2013

Staring a home renovation? If so, don’t miss Mike’s post about the 5 Costly Mistakes Contractors Make When Starting a Home Remodel Project at Personal Finance Journey. With some dedication and determination, you can Make extra money through working from home as Dollar at Easy Extra Dollar points out.

Fridays 167

Fridays Finance Personal Finance Renovation 167

Family Balance Sheet

DECEMBER 29, 2020

Saving more money is one of the top resolutions that people make…after getting in shape and eating healthier. Special Purchases – Have some fun with this spreadsheet and use it to plan for upcoming large expenses, such as vacations, home renovations, equipment, replacement, etc. After the year we’ve had, I think we all are!

Budgeting 130

Budgeting Budget Family Property Taxes 130

Family Balance Sheet

JANUARY 26, 2011

I work a budget around what comes in, what we spend and what I would like to spend, hopefully leaving some leftover to devote to more debt reduction or savings. Our "Household" category could be anything from light bulbs to major home renovations. We have around 20 categories. It doesn't always work out in my favor.

Debt 147

Debt Renovation Leftovers Software 147

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. Ultimately, the right time to refinance your mortgage is when it makes the most financial sense for you.

Refinancing 40

Refinancing Bank Banking Credit 40

Family Balance Sheet

APRIL 2, 2022

I want to make sure we have time to squeeze everything in and the funds to do it all. Include everything from weekend trips to longer vacations, yard/garden projects, home renovations, kids’ camps, gear and clothing, and any other summer expense you might have. This info will help you make plans for next year.

Budgeting 130

Budgeting Budget Friends And Family Sale Home and Garden 130

Prairie Eco-Thrifter

FEBRUARY 4, 2011

Most of the conversations we had with each other over the three months was what trades to make and who was an early pick up. We have a blast every year no matter what team makes it in. Punch Debt in the Face tells us why no spend challenges are for wussies. Renovations can get expensive too. Reducing Debt.

January 113

January February Debt Personal Finance 113

Prairie Eco-Thrifter

MAY 9, 2011

Thankfully, there are easy ways for us consumers to change this number and make a difference. When you are working on a home renovation, buy your screws, nails, and other bits out of the bins and not those packaged in boxes. If you really want to get creative, make some of your own bags out old shirts or shorts. Go thrifty.

Reuse 174

Reuse Recycle Recycled Recycling 174

Savings Corner

APRIL 4, 2024

Compare options from multiple personal loan lenders before applying to make sure you’re getting a competitive interest rate and fee structure. The steps may vary depending on whether you’re looking for debt consolidation loans , home improvement loans, medical loans or wedding loans.

Debt 52

Debt Credit Cards Credit Home Improvement 52

Family Balance Sheet

JANUARY 17, 2018

Did you make 2018 financial goals ? We even bought an online package years ago, but have since decided that we will have a lawyer draw up our will, medical directive, and power of attorney documents to make sure everything is in place legally. I’ll apply that money to the debt. An Update on Medi-Share – September 2017.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

Savings Corner

DECEMBER 25, 2023

A down payment is the cash you pay upfront to make a large purchase, such as a home. You may have heard that you need to make a 20% down payment on a home, but that’s really just the threshold many lenders use for requiring mortgage insurance on a conventional loan. You don’t have to make a 20% down payment to buy a house.

Insurance 52

Insurance Home Refinancing Money 52

Family Balance Sheet

JUNE 8, 2018

I came up with strategies to help us pay for yearly bills, large expenses, and we were able to pay off debts. Double check your expense projections and compare to previous statements and bills to make sure they’re correct. To get to zero, you will need to make cuts, so start with the Non-Necessity expenses first.

Budgeting 133

Budgeting Budget Financial Goals Goals 133