Family Balance Sheet

MARCH 11, 2021

For many, it’s a time to clean the house and the closets, wash the windows of their winter grime, and air out our homes. As the family office manager of my home, I needed a succinct way to discuss our finances with my husband. I have a love/hate relationship with my home office space. 7 Ways to Spring Clean Your Finances.

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Savings Corner

APRIL 4, 2024

Mortgage refinancing is when you replace your current home loan with a new one. A lender orders a home appraisal to assess the current market value of your home, too, to evaluate how much equity you have in it. Many lenders cap cash-out refinancing at 80 percent of the home’s total value on most loan types.

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Calculators Refinancing Insurance Homeowner Insurance 40

Savings Corner

DECEMBER 25, 2023

Instead, they use a mortgage, which is a loan to buy a home. After making a down payment of anywhere from 3% to 25%, they get a mortgage to cover the remaining costs of purchasing the home. Each payment includes a combination of principal and interest, as well as property taxes, and, if needed, mortgage insurance.

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Savings Corner

APRIL 4, 2024

To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. Our insurance team is composed of agents, data analysts, and customers like you. OIR then granted Citizens a 6.4

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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. Paying down your mortgage helps build equity in your home, but you don’t have to wait until you completely repay it, or sell the property, to access that equity.

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Savings Corner

DECEMBER 25, 2023

Buying a home means you also need to buy something else: homeowners insurance. And while it may not be your biggest expense, how much you pay for insurance will affect your home ownership costs. The national average cost of home insurance is $1,820 a year, according to NerdWallet’s most recent rate analysis.

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Insurance Calculators Homeowner Insurance December 40

Family Balance Sheet

OCTOBER 10, 2014

Do you go into panic mode when your car insurance bill arrives? Our homeowners insurance and property taxes are not tied in with our mortgage so we receive those bills and are responsible for paying them instead of the bank that owns the mortgage. Our personal escrow fund includes: home owners insurance – due yearly.

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Savings Corner

DECEMBER 24, 2023

At the same time, inflation has rocked Americans’ wallets over the last two years, leaving many feeling behind on their retirement and looking for ways to stretch their savings. If you own a paid-off home in a high-cost area like Boston or Los Angeles, maybe affordability isn’t your priority. 3 spot for affordability.

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Savings Corner

DECEMBER 23, 2023

Key Takeaways Home affordability is at its worst point since 2007, according to a measure from housing data provider ATTOM. Single-family homes and condos in 99% of counties with sufficient data to analyze remain less affordable than historical averages. A median-priced home consumes 33.7% at least for the moment.

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Home Property Taxes Price Homeowner Insurance 52

Savings Corner

APRIL 4, 2024

To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. Our insurance team is composed of agents, data analysts, and customers like you. Home Rating: 4.2 Coverage 4.0

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Insurance Life Insurance Homeowner Insurance Cars 52

Savings Corner

DECEMBER 25, 2023

This is a decision with many moving parts, and things change: Your down payment savings grow, you consider moving to a cheaper or more expensive area, you’re curious what happens if you spend less on a home, or more. We included ongoing payments for rent and renter’s insurance and a one-time security deposit.

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Rent Calculators Property Taxes Buy 52

Savings Corner

APRIL 4, 2024

To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. Our insurance team is composed of agents, data analysts, and customers like you. Home Rating: 4.7

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Insurance Life Insurance Cars Car 52

For the Mommas

JULY 10, 2016

Over the next several weeks we will be posting articles that will help you budget and save your money. Step #1: Calculate how much money you bring home. When doing this, you need to look at how much money you actually bring home – not how much money you earn. This is where having a savings account comes in handy.

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