No Cost Refinancing – Pros and Cons

Prairie Eco-Thrifter

Are you thinking about taking out a no cost refinancing loan to help you secure a mortgage? Here’s what you need to know about this type of refinancing. What Is No Cost Refinancing? For refinancing a mortgage, the current loan is paid off through a new loan with lower interest rates. Some of the advantages of no cost refinancing are: No upfront costs. Some of the downsides of no cost refinancing are: Higher interest.

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

Family Balance Sheet

It all started years ago when we refinanced our mortgage and were no longer required to send an escrow payment to the bank for real estate taxes and our home owner’s insurance. Not sure how to budget for your once-a-year bills?

Bills 130

Sign Up for our Newsletter

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Forget the Small Stuff; Save Money on Bigger Costs

Prairie Eco-Thrifter

If you haven’t refinanced to a low interest rate, you could be missing out. About a year and a half ago I refinanced my house. In the personal finance world, it’s common to focus on all the small ways you can save money each day. The idea is that small savings add up over time. Cut out that $5 premium coffee from your weekday routine, and you could save $100 per month, $1,200 per year, and $12,000 after 10 years.

Money 163

Family Office Manager

Family Balance Sheet

We have been in our home for over 20 years and I’ve refinanced for better rates at least five times, mostly for free. Many years ago, I read Thomas J. Stanley’s book, Millionaire Women Next Door: The Many Journeys of Successful American Businesswomen, and I had an aha moment.

Office 130

Should You Save Or Invest Your Money?

Prairie Eco-Thrifter

No Cost Refinancing – Pros and Cons. Are you thinking about taking out a no cost refinancing loan to help you secure a mortgage? In today’s tight economic climate, many people wonder what is the best method of improving their financial position. We read that we should make our money work for us but worry about making a wrong decision that could actually cost money rather than make us money.

Money 159

Create a Personal Escrow Account for Your Quarterly & Yearly Bills

Family Balance Sheet

I started our personal escrow account years ago, when we refinanced our mortgage. April is always a very expensive month for us. 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. Last week, I wrote checks that totaled in the four figures with everything combined.

Bills 196

Four Side Hustles for You and Your Family This Year

Prairie Eco-Thrifter

Apart from that, side hustles offer a very reliable way of refinancing your online installment loans and any other loan you might have. There comes a time in all our lives when we have been faced with financial difficulties. Most of the well-meaning people will advise you to cut back on your overall spending. But you find that that alone may not cut it sometimes, and may not be the best solution. It will help lessen the financial strain, but not fully eradicate it.

2018 118

Taking a Loan: Is Now a Good Time?

Prairie Eco-Thrifter

Related posts: No Cost Refinancing – Pros and Cons. The global economic downturn and credit crunch has placed a large number of people under great financial pressure. Many are seeking loans to help give them short term respite from current money worries. There are simply thousands of loan providers advertising in the press, on TV and online that they can help the desperate with quick loans.

2011 155

Three Expensive Sources of Quick Cash

Prairie Eco-Thrifter

5 Rules For Borrowing Money From Friends And Family No Cost Refinancing – Pros and Cons Understanding Your First Mortgage. What happens if you are hit with an expense that you can’t afford, and your emergency fund just isn’t up to scratch yet? Chances are that you will turn to a source of quick cash to make up the deficiency. Unfortunately, these sources of quick cash are among the worst possible ways to fund your emergency.

2013 181

Small Money Mistakes That Have Big Consequences

Prairie Eco-Thrifter

Related posts: Start Small; Dream Big: Achieving Financial Security From Small Beginnings Don’t Make These Refinancing Mistakes Take Small Steps Towards Great Financial Health How to Have a Small Budget Wedding Manifest More Money Into Your Life- Step 6. Don’t forget to enter to win an iPad 3 here at PET. You’ve heard “it’s the little things that count”, right? I’m sure everyone can name many little things that have more meaning than a big event in their lives.

Money 190

5 Sources for Quick Funding

Prairie Eco-Thrifter

Some lenders even offer grace periods during late payments, zero prepayment penalties, and refinancing options for customers. There are times when someone might need funding as fast as possible. Here are some situations that could warrant the need for quick funding: Debts Must Be Settled: For those that care about their credit score, paying off a debt means making sure that each monthly payment is made on time, and in full.

2019 100

Turbotax Premier Federal + State 2015 (PC) (Digital Code) ONLY $64.97 (Reg $99.99)

For the Mommas

Additional guidance for rental property income, expenses, depreciation and refinancing. TurboTax Premier 2015 ONLY $64.97 (Reg $99.99). Get your taxes done right with TurboTax 2015 that is available at Walmart at a sale price of $74.97. In addition to the sale, when you use this ShopAtHome link, you will get an EXTRA $10.00 in cash back, making the final price $64.97 This item will be delivered via email. NOTE: The extra $10 cash back is valid thru 6 pm EST 1/26/16.

The Pros and Cons of Choosing Home Exercise Over a Gym Membership

Prairie Eco-Thrifter

Related posts: No Cost Refinancing – Pros and Cons. Exercise can help you to improve both your mental and physical health but for many people, affording a gym membership is out of the question financially. 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. Not sure which is the better choice? Here are some of the pros and cons for each. The Advantages.

2011 191

Omicron menimbulkan risiko terhadap pertumbuhan ekonomi global, inflasi: Lembaga pemeringkat, Berita Ekonomi & Berita Utama

Misalnya, negara-negara emerging market yang mengandalkan pinjaman pasar internasional mungkin menghadapi risiko refinancing yang lebih tinggi”, katanya.

Get your FREE Family Balance Sheet Excel Spreadsheet

Family Balance Sheet

We refinanced multiple times during the hey day of low interest rates at various banks and credit unions. October is a big month for me. I met my husband in October. We married in October. Family Balance Sheet , the website, turns 9 in October 2017, but Family Balance Sheet, the spreadsheet, turns 14.

2017 100

It’s Harley Time – But Is It Worth the Cost?

Prairie Eco-Thrifter

No Cost Refinancing – Pros and Cons. On warm sunny days, especially after a spell of cold weather and snow, the sound of Harley-Davidson motorcycles roars through the air as the riders emerge, one by one, in pairs or groups astride their proof of coolness motor bikes. A bit of Harley trivia. In the early 1900′s two enterprising young entrepreneurs invented this motor bike in their Milwaukee Wisconsin homes.

2012 157

The High Cost of Speeding

Prairie Eco-Thrifter

Related posts: No Cost Refinancing – Pros and Cons. Have you been pulled over for speeding? Chances are you have, if my experiences are any indicator. You see, I am one of those drivers that obeys the speed limit and traffic laws. I have never had a ticket. And I am sick of being tailgated!!!! According to Traffic Ticket Secrets , more than 100,000 people are pulled over each and every day in the US.

2012 157

How to Save Money on Your Home’s Mortgage

Prairie Eco-Thrifter

Refinancing your loan can save your thousands of dollars a year in interest payments. The biggest expense in most people’s budget is their mortgage payment. Mortgage payments can account for 30 to 35% of a person’s monthly income. 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.

Money 116

Our 2017 Debt Freedom Plan Update

Family Balance Sheet

Over the years, we took advantage of low interest rates and refinanced and transferred the loan several times. As I reflect back to January 2016, I started that year pretty determined to pay off the balance of our non-mortgage debts. I even created a hashtag, #crushingdebt2016. So, you know I was serious! And we were on a roll in January 2016. We had quite a bit of momentum coming out of 2015 and I never doubted our own abilities.

2017 100

Yakezie Carnival October 16, 2011- Growth Edition

Prairie Eco-Thrifter

Yeah, There’s a Calculator for That Refinancing your mortgage to a lower rate and paying the same amount is an interesting sound-byte from Personal Finance Bloggers – but has anyone really run the numbers? Welcome to this week’s Yakezie Carnival. This week I as your host have chosen the theme of “Growth” and here is why. The original Yakezie Carnival was first hosted on February 28, 2010 and was called the Yakezie Challenge Carnival.

2011 166

Saving Tips & Free Crediting Monitoring

For the Mommas

By refinancing, consumers could quickly save hundreds of dollars every year without having to make significant cuts to their budget. Nearly 46% of consumers say they typically consider making a financial resolution – up 31% since the first year of the survey in 2009. The top 3 financial resolutions? Saving more (52%), spending less (19%) and paying off debt (19%).

Overhaul Your Monthly Budget: Tips to Save Now So You Can Splurge Later

Saving Cents With Sense

The most significant chunk of your monthly budget is likely spent on mortgage payments, and the Federal Housing Administration (FHA) suggests homeowners can lower monthly mortgage payments by refinancing their mortgages. 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. Unfortunately, these decisions aren’t financially sustainable.