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How to Budget (and Pay) for Yearly Bills + a FREE Speadsheet

Family Balance Sheet

Not sure how to budget for your once-a-year bills? They can cause a panic, especially when just one bill is into the four figures, like our property taxes or auto insurance! But let me show you how to budget (and pay) for yearly bills with a strategy I’ve used for years. Let us know in the comments.

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How to Determine Home Value

Savings Corner

The long answer depends on the market and whether you’re asking a lender, an agent or a county tax assessor. Knowing how to calculate your home’s value with the help of online tools and trained professionals better prepares you to buy, sell, refinance, tap into your home’s equity — or even negotiate lower property taxes.

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Buying A House In 2023: A Step-By-Step Guide

Savings Corner

This year may go down in real estate history as the year of correction. Whatever the economic state of the real estate market, buying a house can be an exciting and emotional process. Figure out how much you can set aside for a down payment, plus a buffer fund for ongoing or unexpected maintenance costs.

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How to Say No When a Sibling Asks for Money

Prairie Eco-Thrifter

Keep it businesslike and a bit formal and use this speech to prevent the conversation from becoming a high pressure appeal to your heartstrings. Say No the Right Way The Tower of Power site suggests that you will be more successful saying no if you use the right No. Use Alternate Solutions Look for non-monetary resolutions.

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Selling Your Investment Property?

Prairie Eco-Thrifter

Your best strategy may involve situations such as waiting until your income levels go down; gifting your property instead of selling it; waiting for the market prices to go up; selling now, even if at a loss; or living in your property for awhile before you sell it. Real Estate agent commission : Negotiable!

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Benefit from My Financial Mistakes

Prairie Eco-Thrifter

What a wonderful gift it was, but I wish I had been wiser in using it. I didn’t know how to negotiate and I felt that negotiating was bad to do – almost cheating. Consequently, I overpaid for cars and real estate my entire life and I let others underpay me for my services. I picked the wrong college major.

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The Best And Worst States To Retire In 2023, Ranked

Savings Corner

Kerry Hannon Retirement Expert and Author of ‘In Control at 50+: How to Succeed in the New World of Work’ Key takeaways The best state to retire is Iowa because of its lower cost of living, affordable but high-quality healthcare and low crime. Iowa lands near the middle of the pack tax-wise. 23 for property taxes and No.

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