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

Family Balance Sheet

They can cause a panic, especially when just one bill is into the four figures, like our property taxes or auto insurance! But let me show you how to budget (and pay) for yearly bills with a strategy I’ve used for years. Our Story: April is always a very expensive month for us. auto insurance – due yearly.

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Buying A House In 2023: A Step-By-Step Guide

Savings Corner

This year may go down in real estate history as the year of correction. Whatever the economic state of the real estate market, buying a house can be an exciting and emotional process. Doing so will empower you to make the best decisions for your family — and your wallet. Buying a house: A step-by-step guide 1.

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Save Taxes: Negotiate A Reduction in Your Assessed Value

Prairie Eco-Thrifter

If you own real estate, you have been, or someday will be, confronted with a rise in your assessed property value. This usually leads to an increase in your real estate taxes! Increases in your assessed value can sometimes be negotiated downward, saving you tax money. Real estate market movement.

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Selling Your Investment Property?

Prairie Eco-Thrifter

Your best strategy may involve situations such as waiting until your income levels go down; gifting your property instead of selling it; waiting for the market prices to go up; selling now, even if at a loss; or living in your property for awhile before you sell it. Real Estate agent commission : Negotiable!

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Benefit from My Financial Mistakes

Prairie Eco-Thrifter

What a wonderful gift it was, but I wish I had been wiser in using it. Don’t be afraid to dream big for the life you want to live, but make sure you can afford it. Consequently, I overpaid for cars and real estate my entire life and I let others underpay me for my services. I picked the wrong college major.

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Closing Costs Calculator – NerdWallet

Savings Corner

Closing costs are fees you pay to finalize a real estate transaction. A more detailed list of closing costs appears below, and your real estate agent can help estimate yours for your area and loan type. Discount points are optional upfront payments you make to lower the interest rate. Breakdown of costs.

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How to Say No When a Sibling Asks for Money

Prairie Eco-Thrifter

Perhaps your sibling has been repeatedly fired and can’t make his house payments. Think about what your decision will do to your situation, why you think you want to make this decision (is it just to make yourself feel good or meet someone else’s expectations?), How do you determine when enough is enough?

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