Savings Corner

DECEMBER 24, 2023

And when we say own, we include assets that you may still be paying for, such as a car or a house. For example, if you have a mortgage on a house with a market value of $200,000 and the balance on your loan is $150,000, you can add $50,000 to your net worth. What is my net worth? These are often referred to as liquid assets.

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Calculators Taxes Debt Consumer 52

Savings Corner

DECEMBER 27, 2023

You may follow generally accepted accounting principles or a different standard. FEATURED Featured card placement may be affected by compensation agreements with our partners, but these partnerships in no way affect our recommendations or advice, which are grounded in thousands of hours of research. Here is a list of our partners.

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Software Personal Finance Credit March 52

Savings Corner

APRIL 4, 2024

The application process may vary depending on the lender and type of loan, and the funding time can range from a few days to 90 days or more. Lenders set their own qualifications for business loans, including time in business, personal and business credit score, annual revenue and collateral.

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Bank Banking Credit Finance 40

Savings Corner

DECEMBER 25, 2023

Homeowners insurance may be included, or the homeowner may pay the insurer directly.) For example, jumbo loans tend to have higher interest rates. Sure, this means Wall Street, but non-market forces (for example, elections) can also influence mortgage rates. Good news may push rates higher. Your loan type.

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Re-use Economy Homeowner Insurance Insurance 52

Savings Corner

DECEMBER 25, 2023

The rate adjustments are based on a benchmark index, which in most cases is the secured overnight financing rate, or SOFR. Different lenders may refer to the 3-year ARM by different names. You may be able to qualify for a larger loan because of the ARM’s low introductory rate.

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Economy Refinancing Finance Points 40

Prairie Eco-Thrifter

MAY 17, 2021

With finances being tighter than ever, many families are looking for ways to trim their budget and reduce expenses. You may also be required to purchase some kinds of insurance depending on your geographical area. Disaster may not necessarily come in the form of a major natural event. Bundle your vehicle and home insurance.

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Savings Corner

DECEMBER 27, 2023

Ascent Graduate Student Loan While federal interest rates are historically low for the 2020-21 academic year, you still may get a better rate with a private graduate student loan. In addition to Ascent and College Ave, graduate students looking at private student loans may want to consider Discover , SoFi , RISLA and Wells Fargo.

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Student Graduation January College 52

Penny Pinchin' Mom

FEBRUARY 16, 2024

That’s why a vast majority of us go the financing route. It may even motivate you! For example, if you want to buy a car worth $20,000, you could decide to save $1,000 a month for 20 months or $5,000 a month for four months. It may be an inconvenience at first, but it will pay off in the long run.

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Cars Car Bank Banking 52

Koupon Karen

NOVEMBER 30, 2023

There is also essential baby gear, like a car seat, travel system, or baby capsule, that you may need to spend money on. For example, some companies offer rewards programs that give you points for purchases, which you can redeem for future discounts. For example, you can turn old t-shirts into baby onesies and use socks as booties.

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Budgeting Budget Baby Friends And Family Sale 52

Savings Corner

DECEMBER 24, 2023

Key takeaways A personal loan is money you can borrow to finance large purchases, consolidate debt, invest in yourself or cover emergency expenses. Common reasons include paying off debt, financing a large purchase such as a vehicle or a boat, or covering the cost of a major expense like a wedding or a home renovation.

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Debt Credit Cards Credit College Tuition 52

Prairie Eco-Thrifter

OCTOBER 6, 2014

For example, in-floor radiant heating can save you money on your heating bills and reduce greenhouse emissions, but it can be extremely expensive to install because you have to tear up the existing flooring, install the heating elements, then either replace the old flooring or install all new flooring. Start Small. Larger Changes.

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Couponing 101

JANUARY 6, 2020

But as the year progresses, you may leave all your well-intentioned goals scattered by the wayside. For instance, instead of setting a goal to become a millionaire, consider setting smaller, more realistic goals to improve your finances in the long run, like reducing unnecessary expenses or investing your money. Set Specific Goals.

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Goals New Year's 2020 Re-use 75

Savings Corner

APRIL 4, 2024

Cash-out refinance example Let’s say you still owe $100,000 on your home, and it’s currently worth $400,000. So, for this example, that means you need to keep $80,000 in equity, leaving you with up to $220,000 in tappable equity. For a multifamily home, for example, you can only borrow up to 75 percent.

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Prairie Eco-Thrifter

MAY 23, 2017

Many believe that early childhood examples and upbringing contribute greatly to the saver’s predisposition to save. As teenagers, we may be madly saving up for a car. As a retiree, I started out as a saver, unsure how the finances were all going to work out (especially since I retired during the last recession).

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Making Recession College 401K 124

Prairie Eco-Thrifter

JULY 8, 2012

This may mean making some tough decisions to achieve the best results. The basis of any slow and steady financial plan is the household budget; in fact, a good budget is really like a plan for your current finances as well as for a secure financial future. By that time, you may have changed your mind or saved up the money!

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Finance Budgeting Budget Money 188

Prairie Eco-Thrifter

APRIL 10, 2014

This was such a perfect example. I understand that your circumstances may take some options off the table, but every option? I can only hope that she makes the decision to take control of her finances by finding a living space and a lifestyle that she can both live with and afford to support in the long term.

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Price Rent Financial Goals Converse 209

Prairie Eco-Thrifter

OCTOBER 22, 2013

For example, if your kid wants a new bike, tell them to save toward a goal and that you’ll match them if they reach it. As obvious as it may sound, it’s important to remember that you’re your kids’ most influential teacher. The older your kids get, the more you can teach and expose them to. Learning What They Live.

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Money Kids College Tuition Kids and Family 234

Prairie Eco-Thrifter

JULY 20, 2011

Guest Post Author Bio: David Bakke enjoys living frugally in Atlanta and frequently shares his best financial tips and experiences on Money Crashers , an online resource ranked as one of the top personal finance blogs online. A good example of this is clipping coupons. For me, the process just isn’t cost-effective.

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Frugal Personal Finance Frugal Life Money 174

Savings Corner

APRIL 4, 2024

Key takeaways Home equity loans and HELOCs are both financing tools that allow you to borrow against your ownership stake in your home. Both act as second mortgages, using your home as collateral, and may offer tax deductions if the funds are used for substantial repairs or upgrades. Home equity loan: What is it?

Home 52

Home Work Debt Credit 52

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. While we adhere to strict editorial integrity , this post may contain references to products from our partners.

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Insurance Florida 2002 Home 52

Prairie Eco-Thrifter

MARCH 15, 2011

5 Pieces of Advice to Tell Your Child About Money is a series that will run every Tuesday for the next few weeks where some of the top personal finance bloggers share their thoughts on this topic. One of the things that I am really passionate about is setting a good example for the next generation. Money is neither good nor evil.

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Money Personal Finance Goals Consumerism 124

Penny Pinchin' Mom

MARCH 11, 2024

While I may talk a lot about savings and being prudent with your money, a huge part of decluttering your finances is knowing exactly where you stand with the major credit bureaus. There are just some investment projects that you simply can’t finance with your savings or credit cards. It all ties in together.

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Credit Identity Theft Monitors Finance 52

Prairie Eco-Thrifter

JULY 18, 2012

My husband and I live within our means and budget and hope our children will learn from example. Of course it’s something one does out of love, but I am quickly realizing how difficult it can be managing these responsibilities, both in terms of my time, and also my emotions and my finances. My parents will get older.

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Budgeting Budget Parenting Converse 201

Prairie Eco-Thrifter

NOVEMBER 12, 2011

Now without further adieu, I present you with the dozens of great reads written by Yakezie members and challengers alike this past week in our efforts to bring you timely insight on personal finance and lifestyle today. He discusses income beneficiaries, remainder beneficiaries and provides and example of the use of a dynasty trust.

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November 2011 Personal Finance Finance 188

Prairie Eco-Thrifter

MARCH 12, 2016

We want to have the best career and be secure in our personal finance and work-life balance. For example, make sure you do your research to find an optometrist in Vancouver for your personal needs. Optometrist’s exam eyes and check for any abnormalities you may with your vision.

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Lenses Personal Finance Therapy Health 100

Prairie Eco-Thrifter

DECEMBER 6, 2012

Medical emergencies, car emergencies, or family situations may arise where you need to dip into your emergency fund. Take personal finances, for example; too many people over-think their finances, with. Saving money is essential. By following the above tips, you can make these events less stressful on you and your family.

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Bank Banking Money Saving 265

Savings Corner

DECEMBER 24, 2023

This year may go down in real estate history as the year of correction. Check your credit score Your credit score will help you determine your financing options; lenders use it (among other factors) to set the terms and rates of your loan. Common real estate contingencies can hinge on financing, appraisal, home inspection and more.

Real Estate 52

Real Estate Buy Buying Credit 52

Savings Corner

APRIL 4, 2024

Just like any other loan, you apply for refinancing, which includes a thorough check of your credit, income, employment history and finances. Refinancing if you plan to move in a few years doesn’t always make financial sense even if you get a lower interest rate, because you may not have enough time to break even on closing costs.

Calculators 40

Calculators Refinancing Insurance Homeowner Insurance 40

Prairie Eco-Thrifter

AUGUST 30, 2011

Guest Post Author Bio: The following is a guest post from Brian at Home Insurance Comparison, an Australian personal finance blog created to help readers figure out how to properly compare home insurance options. The causes that may be supported can widely vary as you might expect. So, what do you think about sustainable investing?

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Insurance Personal Finance Finance Wellness 177

Prairie Eco-Thrifter

MAY 26, 2016

My grown kids are also savers and I have high hopes that the grandchildren will follow their example. 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. You may not be comfortable doing more risky things with your money.

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Money Saving Money Lowes Grandchildren 124

Prairie Eco-Thrifter

OCTOBER 8, 2012

If you earn 2,699 Swagbucks, you can redeem it for a $25 Lands End gift card, for example. While you may feel that you don’t have anything to donate to a charity, you can use free programs such as Swagbucks or Huggies to donate things like clothing, toys and diapers. You can use your Swagbucks for charity in a variety of ways.

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Giving Money Swagbucks Donation 235

Prairie Eco-Thrifter

JANUARY 30, 2017

Yet newlyweds as well as long time married folks may not even be aware of some of the money tricks they or their spouse could be using. I personally have indulged in a bit of this and believe that my spouse may well have (subconsciously) as well. My own examples are a bit more mundane. Revenge spending.

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Money Camping Equipment Bank Banking 100

Prairie Eco-Thrifter

MARCH 20, 2014

In the personal finance world, there’s a lot of discussion regarding “side hustles”, also known as extra income opportunities, side jobs, survival jobs, etc. Leaving yourself open to side hustle opportunities that pop up at any time, particularly in the last minute, may not always be convenient but can pay off big time.

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Unemployment Part Time Personal Finance Work 174

Prairie Eco-Thrifter

JUNE 28, 2011

For those of you that have never thought about real estate as an investment, perhaps after reading this article, you may consider it as an investment option in the future. Even though the listed examples are quite different from one another, each of them could be purchased and rented for a profit. This post was written for you.

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Real Estate Rent Debt Calculators 180

Prairie Eco-Thrifter

JULY 16, 2012

If you are currently looking to adopt an ethical approach to your finances, you have probably already got some areas that you want to exclude. In some cases, banks may allow investment in this area on a case-by-case basis. The same may also be true of pornography.

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Bank Banking Fair-Trade Debt 186

Prairie Eco-Thrifter

APRIL 20, 2011

Those who can properly manage their finances will have more success in the future, and find favor in the eyes of many others. However, you can teach stewardship, and set an example by helping others. Who knows, by doing this you may set an example for your children, or other people around you.

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Frugal Lives Frugal Living Frugal Credit Cards 154

Prairie Eco-Thrifter

JUNE 19, 2012

You might want to consider financing the work if that option is available to you. Survey prices One store may sell cheap paint while another sells low priced cabinets. Still, you do want to remember that quality is just as important as the price and buying low quality, cheap supplies may not be the best idea.

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Renovation Home Budgeting Budget 188