Savings Corner

DECEMBER 25, 2023

A 15-year fixed-rate mortgage is a home loan that has the same interest rate and monthly principal-and-interest payment over the 15-year loan period. 15-year mortgages can be used to buy a home or to refinance an existing home loan. 15-year mortgages can be used to buy a home or to refinance an existing home loan.

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Savings Corner

APRIL 4, 2024

Images by Getty Images; Illustration by Hunter Newton/Bankrate Although interest rates aren’t as favorable as they were in recent years, refinancing might make sense for homeowners who want to pull out cash to renovate their homes. Steer clear of any lenders that push refinancing even if it isn’t financially advantageous for you.

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Savings Corner

DECEMBER 27, 2023

What this mortgage refinance calculator does If you’re thinking of refinancing your mortgage, it’s probably because you want to save money. There are two ways to save money by refinancing: Reducing the monthly payment. It calculates how much you would save (or not), year by year, by refinancing.

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Savings Corner

DECEMBER 25, 2023

.” The amount of cash you can get depends upon your home equity — how much your home is worth compared to how much you owe. Say your home is valued at $200,000 and your mortgage balance is $100,000, giving you $100,000 of equity in your home. Other ways of leveraging home equity require a second mortgage.

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Family Balance Sheet

JUNE 24, 2021

I built a monthly system to set aside money specifically for our yearly bills and while I still dread writing those large checks, I am no longer paralyzed by it. Today, I built a monthly system to set aside money specifically for our yearly bills and while I still dread April, I am no longer paralyzed by it. Don’t let that deter you.

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Prairie Eco-Thrifter

MAY 30, 2012

So, in this article, we’re going to look at 10 small money mistakes that many people make, often unaware of the impact they are having on their financial security. This small money mistake has a sub-section – accepting the so-called ‘free’ credit card upgrades or new cards. It’s wasted money. What have you done to rectify them?

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Family Balance Sheet

FEBRUARY 19, 2022

Instead, he shared the story about Susan, a wife, and mother who handled all of the financial tasks in her home, from budgeting to making investment decisions. I read this book around the same time that I became a mother and left the full-time workforce to stay at home with our new baby. After motherhood, this role was my dream job!

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Savings Corner

DECEMBER 25, 2023

How to use the mortgage calculator Under “Home price,” enter the price (if you’re buying) or the current value (if you’re refinancing). NerdWallet also has a refinancing calculator. A down payment is the cash you pay upfront for a home, and home equity is the value of the home, minus what you owe.

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Savings Corner

DECEMBER 27, 2023

Decide where to put the money Unless you’re consolidating debt and sending the money directly to your credit card issuers, keeping the loan money in a checking account is best if you want easy access to it. Know where every dollar goes Find ways to spend more on the things you love, and less on the things you don’t.

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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.

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Savings Corner

DECEMBER 25, 2023

Coming up with enough cash for a down payment to buy a house can be the single biggest roadblock for prospective home buyers. 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.

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Prairie Eco-Thrifter

OCTOBER 30, 2011

This doesn’t mean that you have to give up on the idea of exercising full stop though – there is the option of working out at home instead. There are some good reasons to choose home exercise over visits to the gym, including: 1. There are also some potential downsides to going down the home exercise route, including: 1.

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Prairie Eco-Thrifter

SEPTEMBER 3, 2012

Remember the excitement of signing the contract for your first home? Unfortunately, many home-buyers over-extend themselves financially when taking out a mortgage; these days they seem to be encouraged by lenders. Are we going to lose our home? Only then did you realize the enormity of what you had taken on.

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Family Balance Sheet

APRIL 9, 2015

Our home-owner’s insurance, auto insurance, and local real-estate taxes (for our home and our business property) are due, and on top of that, we also owed the Federal government this year. I started our personal escrow account years ago, when we refinanced our mortgage. My list includes: home owners insurance – due yearly.

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Prairie Eco-Thrifter

NOVEMBER 2, 2011

Many are seeking loans to help give them short term respite from current money worries. Unsecured loans for smaller amounts of money can help in the short term, but you must make sure you can keep up with the repayments, as penalty fees will only deepen your debt. Related posts: No Cost Refinancing – Pros and Cons.

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Prairie Eco-Thrifter

JANUARY 18, 2019

Home repairs and other payments will have to be made for those affected by tornados, volcanos, floods and earthquakes—and quickly. Needing the Essentials: Obtaining food, water, shelter and electricity requires having money. But auto title loans have helped hundreds of people that need money fast. Auto Title Loans.

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Family Balance Sheet

OCTOBER 16, 2017

I could talk all day about personal finance and money-saving strategies, but my husband, while very responsible with money, just doesn’t feel the same way. He felt like we were living a life of “lack” with my constant chatter about money. Value of your home – outstanding debt on your home = Equity).

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Prairie Eco-Thrifter

APRIL 5, 2012

In the early 1900′s two enterprising young entrepreneurs invented this motor bike in their Milwaukee Wisconsin homes. Would you risk your home to own a motorcycle? His wife had been a bartender and had just switched to cleaning houses for money instead. They can save money on gas for the commute to work.

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Savings Corner

APRIL 4, 2024

Key takeaways Determine how much you need before you apply to avoid requesting more money after you’re approved or borrowing more than you need. The steps may vary depending on whether you’re looking for debt consolidation loans , home improvement loans, medical loans or wedding loans.

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Prairie Eco-Thrifter

MARCH 14, 2012

You are wasting money if you speed. There is of course, also the cost of your time – the time you spend waiting for the officer to issue the ticket and the time you spend dealing with it, not to mention the time you spend earning the money to pay it! Why do people want to waste their money to shave a few minutes off their drive?

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Savings Corner

DECEMBER 24, 2023

Taxes – How can you minimize your tax bill and ensure the money is there when you need it? A budgeting plan can help you understand where your money is going and how you can adjust your spending to meet your goals. Do you want to own your own home? How much money do you want to retire with? And how big?

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Family Balance Sheet

FEBRUARY 10, 2017

It wasn’t that we had friction over money in our marriage, but as the business & Family Office Manager , I had taken on the stress of that cash flow crisis and tried to work it all out by myself. At that time, I couldn’t cash flow the office budget, home budget, our loans, and retirement savings. Retirement.

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Prairie Eco-Thrifter

OCTOBER 15, 2011

Money Cone: 9 Impulse Buys that Turned Out Better than Expected We’ve all bought stuff based on commercials that turned out nothing like how it was advertised. Live Real, Now: Make Extra Money, Part 6: Setting Up a Site In this installment of the Make Extra Money series, LRN is going to show you how to set up a WordPress site.

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Saving Cents With Sense

JUNE 19, 2013

If you’re tired of being broke, it can be tempting to blow some money you don’t have on lobster, steak or a bottle of wine. Once you have a bit of money together, you can make a well-deserved and stress-free splurge. Many of these can even be programmed via a smartphone app when you can’t make it home.

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