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. Steer clear of any lenders that push refinancing even if it isn’t financially advantageous for you.

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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. Lenders typically define a new car as one that has never been titled and is the current or previous model year.

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Savings Corner

APRIL 4, 2024

Key takeaways Refinancing replaces your current mortgage with a new one, adjusting the rate, term or both. With refinancing, you can change the loan type as well as your lender. Here’s how refinancing a mortgage works, the common options available to you and pros and cons to consider. What is refinancing?

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Savings Corner

DECEMBER 25, 2023

If you do a cash-out refinance to pay off credit card debt or finance college tuition, you’ll be paying off unsecured debt with secured debt — a move that’s generally discouraged because of the possibility of losing your home. If mortgage rates have increased since you bought your home, you may think twice before refinancing.

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Savings Corner

DECEMBER 24, 2023

In short, if it involves finances, then there’s a way to plan for it and optimize the outcome. A financial plan can help you direct how you organize your finances, from the small, short-term questions to the big, long-term issues. Taxes – How can you minimize your tax bill and ensure the money is there when you need it?

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Prairie Eco-Thrifter

OCTOBER 15, 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. 20′s Finances: Hiring a Property Manager: What it Offers You Real Estate Investments can be time consuming.

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Prairie Eco-Thrifter

NOVEMBER 2, 2011

Many are seeking loans to help give them short term respite from current money worries. Without clear knowledge of your finances you will not be able to make an informed decision regarding whether taking out a loan is necessary and sensible. Related posts: No Cost Refinancing – Pros and Cons. Or, are you planning to do so? .

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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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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. 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.

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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. To keep the communication flowing, I created my very first Balance Sheet to give my husband a snapshot of our household and business finances.

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Savings Corner

APRIL 4, 2024

This figure, along with your loan-to-value (LTV) ratio, determines the likelihood of being approved for a home equity loan or home equity line of credit (HELOC), and how much money you could be eligible for. Lenders consider it when approving you for a mortgage or other home-based financing.

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The Frugal Girl

JUNE 10, 2024

How did you get interested in saving money? What’s the “why” behind your money-saving efforts? Learning how to cook well has saved us a significant amount of money, and made us healthier. What’s a dumb money mistake you’ve made? It’s been many years, though I comment very infrequently.

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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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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. But how much of a down payment do you really need?

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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. While some lenders are flexible in how you use the funds, others may only allow the money to be used for specific purposes.

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