Savings Corner

DECEMBER 25, 2023

Each payment includes a combination of principal and interest, as well as property taxes, and, if needed, mortgage insurance. Lenders will have a base rate that takes the big stuff into account and gives them some profit. A mortgage is set up so you pay off the loan over a specified period called the term.

Re-use 52

Re-use Economy Homeowner Insurance Insurance 52

Savings Corner

APRIL 4, 2024

Loan estimates are great tools for comparison shopping to give you the clearest picture of which lender will help you meet your refinance goals. Shopping around for a lender who not only offers a competitive interest rate but also the lowest fees is worth your time and effort. Where do I find more information on mortgage refinancing?

Calculators 40

Calculators Refinancing Insurance Homeowner Insurance 40

Prairie Eco-Thrifter

MAY 27, 2014

By purchasing used vehicles you save on the initial car price, the sales tax you pay upon purchase as well as the property tax you pay each year and the amount you need to insure it. I saved to send kids to college first, before retirement. What have you learned from financial mistakes? Money Tips'

Real Estate 180

Real Estate College Psychology Property Taxes 180

Savings Corner

APRIL 4, 2024

While you can’t cash out all of your home’s equity, the process gives you access to a larger sum of money without needing to sell your home. Home equity loan: A home equity loan gives you a lump-sum payment just after closing. This can be useful if you need the money over a few years for a renovation project spread out over time.

Refinancing 52

Refinancing Work Debt Home Improvement 52

Prairie Eco-Thrifter

JULY 13, 2014

They might include things such as fees charged for obtaining a mortgage; cost of home inspections; homeowner’s insurance; title insurance and settlement fees; property taxes or transfer taxes. Deductible closing costs include points or prepaid interest on your mortgage and your share of the prorated property taxes.

Real Estate 186

Real Estate Taxes Insurance Property Taxes 186

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

Family Balance Sheet

APRIL 11, 2020

I’ve shared before that April is the most expensive month of the year for us because our homeowners/auto insurance and property taxes are all due, along with any federal or state taxes that we might owe. Hubby has been running errands for us, so I’ll give him a break. Creative Entrepreneurship.

Budget 246

Budget Budgeting Family Debt 246

Family Balance Sheet

JUNE 4, 2015

On top of our normal day to day expenses, the new property taxes were due, we had more ownership expenses than we realized, and we had a family to feed. Within a year after settlement, we found ourselves with a lot of debt, not enough cash flow, and very little set aside for emergencies.

Goals 100

Goals Debt Renovation Daughter 100

Prairie Eco-Thrifter

SEPTEMBER 15, 2016

These will include things such as insurance, property taxes, gasoline (to get to the lake and to boat on the lake), maintenance, boat slip fees and storage fees in off season. Since all they like to do is tour, renting a boat for a couple of hours gives most what they want in a boat ride.

Buy 100

Buy Buying Rent Recession 100

Family Balance Sheet

MAY 6, 2020

Also to top it off, I had a huge property tax due that month for our office building that was going to be difficult to pay for in light of the circumstances. It was such a long process and at times, we wanted to give up. A sense of relief overwhelmed us when we paid off that last loan. I think I cried for 2 solid days.

Debt 130

Debt Emergency Fund 2007 2020 130

Savings Corner

DECEMBER 24, 2023

Shop for a mortgage Getting preapproved for a mortgage gives you a firmer handle on how much you can afford, and it’s helpful when you make an offer on a house because it shows sellers you’re financially qualified. That’s why a home inspection contingency is important — it gives you a way out of the deal if you need it.

Real Estate 52

Real Estate Buy Buying Credit 52

Savings Corner

APRIL 4, 2024

This increases your mortgage debt but gives you money that you can invest or use to fund a goal, like a home improvement project. Debt consolidation refinance Caret Down Like cash-out refinances, debt consolidation refinances give you cash. Step 8: Keep tabs on your loan Some lenders give you a lower rate if you sign up for autopay.

Refinancing 52

Refinancing Work Debt Financial Goals 52

Savings Corner

APRIL 4, 2024

They may ask for copies of utility bills, lease or rental agreements, property tax bills or credit card statements as proof of address. If you’ve been a longtime account holder with your bank or credit union, see if it’s willing to give you a better rate or offer you any perks or discounts.

Debt 52

Debt Credit Cards Credit Home Improvement 52

Family Balance Sheet

JUNE 8, 2018

You are directing your money where to go–giving YOU the authority over your money. How to Watch Great TV without Cable – We were able to cut $50/month by giving up cable, yet we still watch great TV. Gift Giving – Use this spreadsheet to plan for your gift giving for the entire year, but especially Christmas.

Budgeting 133

Budgeting Budget Financial Goals Goals 133

Prairie Eco-Thrifter

SEPTEMBER 15, 2015

We had to give up a long and wide easement in our yard, lose a bunch of trees, AND pay more than $20,000 to pay the sewer bond as well as pay an ongoing charge for sewer usage. They are hungry for the increased ‘revenue’ they will get from the sales and ongoing property taxes the increased populations will bring.

Home 100

Home Washer and Dryer Do It Yourself Garage 100