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

Family Balance Sheet

It all started years ago when we refinanced our mortgage and were no longer required to send an escrow payment to the bank for real estate taxes and our home owner’s insurance. For ideas to find those funds, read: 25 Ways to Find Money for Your Emergency Fund. Do you have a fund like this to pay those bills?

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Down Payment on a House: How Much Do You Really Need?

Savings Corner

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. With that in mind, here are some other factors to consider when planning for the size of your down payment: Keep some savings in the bank.