Prairie Eco-Thrifter

MARCH 4, 2014

We have to pay for maintenance and property taxes and the interest on the loan. These costs are are only partially offset by the fact that, in the United States, I get a tax deduction for some of them. If we move again, my hope is that we find a nice place to rent, and that we invest the money we save instead.

Money 237

Money Property Taxes United States 2007 237

Savings Corner

DECEMBER 25, 2023

An important metric that your mortgage lender uses to calculate the amount of money you can borrow is the DTI ratio — comparing your total monthly debts (for example, your mortgage payments, including insurance and property tax payments) to your monthly pre-tax income. How much house can I afford with a VA loan?

Calculators 52

Calculators Debt Insurance Taxes 52

Savings Corner

APRIL 4, 2024

You can use this money for any purpose, including home remodeling , consolidating higher-interest debt , college tuition and other financial needs. You might find lenders with looser requirements, but you could pay a higher rate as a result. Using the cash out for home improvements is a more prudent use.”

Refinancing 52

Refinancing Work Debt Home Improvement 52

Savings Corner

APRIL 4, 2024

The money you tap from your home’s equity can be used to consolidate higher-interest debt or to improve your home. Where do I find more information on mortgage refinancing? Many lenders cap cash-out refinancing at 80 percent of the home’s total value on most loan types. Ideally, you’ll also get a lower rate in the process.

Calculators 40

Calculators Refinancing Insurance Homeowner Insurance 40

Prairie Eco-Thrifter

MAY 1, 2013

Rules of thumb are often used to make various financial decisions. While they can be helpful when it comes finding a starting point, rules of thumb should be approached with a degree of skepticism. Rules of thumb can be useful in terms of starting points for deciding on what to do next. So, What Can You Do?

Life Insurance 213

Life Insurance Insurance Debt Property Taxes 213

Savings Corner

DECEMBER 25, 2023

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. Use online valuation tools Searching “how much is my house worth?” Here are five ways to determine home value.

Home 52

Home Illinois Real Estate Florida 52

Family Balance Sheet

APRIL 11, 2020

Pre-coronavirus, we didn’t think twice about shaking a stranger’s hand, using the ATM keypad, or going to the grocery store without donning a hazmat suit. This is not an elective, fun, no-spend month like what we did in January to find funds for our summer vacation. I have been using it ever since.

Budgeting 246

Budgeting Budget Family Debt 246

Prairie Eco-Thrifter

JULY 6, 2014

The sales tax, plus the ongoing higher property tax and insurance are really turning him off – and the van does fine if we drive it locally or just for a few hours to the lake. Some rental companies will give you a lower rate and still not charge you for days you didn’t use in the week if you return it early.

Rental Car 167

Rental Car Cars Car Rent 167

Prairie Eco-Thrifter

MARCH 16, 2011

If you find ways to reduce your mortgage payments, you could wind up saving a lot of money each month. This extra money can be used to fund your retirement account or pay down some bills. Regardless of what purpose you decide to use this money for, it is always a good idea to get a lower mortgage payment whenever possible.

Saving Money 124

Saving Money Money Insurance Property Taxes 124

Prairie Eco-Thrifter

MAY 26, 2011

Assessed value is the value that will be used in determining how much you will pay in real estate taxes. The assessor’s office is usually not the same office that collects the taxes (yep that would be the Collector’s office). Most state laws require that assessed value be based on the market value of the property.

Real Estate 160

Real Estate Taxes Office Property Taxes 160

Prairie Eco-Thrifter

SEPTEMBER 15, 2016

.” Those figures probably don’t include initial outlays for things such as a tarp to cover the boat when not in use; safety gear for all boat passengers; necessary electronics, such as GPS (so you don’t get lost), radio (to call for help) and sonar (to find those rocks and fish). Boat ownership means time spent.

Buy 100

Buy Buying Rent Recession 100

Family Balance Sheet

MAY 6, 2020

What got us through financially? I am totally paraphrasing the year, but had it not been for the money in our emergency savings, we would most likely have used credit cards to survive. I still use my spreadsheet to this day! I decided to use Dave Ramsey’s 7 Baby Steps as a guide and I wrote our first Debt Freedom Plan.

Debt 130

Debt Emergency Fund 2007 2020 130

Prairie Eco-Thrifter

JUNE 5, 2012

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.

Money 264

Money Sister Giving Brother 264

Savings Corner

DECEMBER 24, 2023

To find some objective answers to the where-to-retire question, Bankrate crunched a bevy of statistics on costs of living, public health and other metrics to create a comprehensive ranking of the best and worst states to retire in the U.S. Iowa lands near the middle of the pack tax-wise. 23 for property taxes and No.

Iowa 52

Iowa West Virginia Healthcare Delaware 52

Savings Corner

DECEMBER 24, 2023

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. Hire a real estate agent An experienced real estate agent can save you time and money by helping you find the right home and negotiating with the seller on your behalf.

Real Estate 52

Real Estate Buy Buying Credit 52

Savings Corner

DECEMBER 25, 2023

Down payment costs are just the beginning — you’ll also have to account for closing costs and ongoing homeowner expenses, like property taxes and insurance, and you’ll want to budget for maintenance costs. You can use our debt-to-income ratio calculator to help you find this figure. Your loan-to-value ratio.

Calculators 52

Calculators Illinois Credit Debt 52

Savings Corner

APRIL 4, 2024

Once you’ve zeroed in on your loan amount, run some numbers using a personal loan calculator. You should also check their rates and use them with a personal loan calculator to get the most accurate idea of what your monthly payment will be. Most lenders have websites with secure portals you can use to upload requested documents.

Debt 52

Debt Credit Cards Credit Home Improvement 52

The Frugal Girl

MARCH 4, 2024

Box are some of my favorite authors) and I use the library to borrow both regular books and electronic resources. Many people don’t have the mentors I had in my parents, and they find themselves in financial trouble as adults simply due to a lack of knowledge. Alan and I, by choice, bought land in an area with low property taxes.

Green And Frugal 178

Green And Frugal Kids and Family Hotel Frugal 178

Family Balance Sheet

JUNE 22, 2020

We had been renting for over 10 years and we were ready to find a property to move our business to and eventually build our net worth. Our business was doing very well, and we were excited about the opportunity to own a property outside of our home. In 2020, we still use and are thankful for Medi-share.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Family Balance Sheet

JUNE 8, 2018

A budget could help you avoid late and insufficient funds fees, find money for an upcoming trip or expense, and ease a disagreement over finances in a marriage. Personally, budgeting has allowed us to control of our money, reach financial goals, and start planning for our dream life. We have been using this system ever since.

Budgeting 133

Budgeting Budget Financial Goals Goals 133

Prairie Eco-Thrifter

SEPTEMBER 15, 2015

Our current neighborhood used to be in a quiet country like setting with little to no traffic. Find what you like and keep it. We have a dry run on our property which, when it rains, carries the water off to a river. When we moved into our first neighborhood, it was mostly a safe, lower middle class area.

Home 100

Home Washer and Dryer Do It Yourself Garage 100