Having a household budget and wisely spending money can stretch your dollars and free up cash for savings. But unfortunately, many families develop a routine of frivolously spending money and saving isn’t a thought. Maybe you’re not a big saver, and would rather spend your money. There is nothing wrong with a little indulgence and… Read more
Viewing posts tagged with: mortgage
The A-Z of saving money ebook review
Hi everyone! Today marks the official launch of the A-Z of saving money ebook, written by 12 authors, all established personal finance bloggers, and I was given an early copy to review. Check out the end of this post to win your free copy! You can also purchase the ebook here. What is… Read more
Buying a house cash: being truly at home
Last year I visited a friend in the US, and he had just bought a house for his family. ”Congratulations on buying a house!” I said. He pointed out to a small closet and replied “oh, that closet is ours, the rest belongs to the bank”. Like the majority of households those days, they would… Read more
What to do if there isn’t enough money?
During my first year of college, I had two majors, and taking an extra job on top was virtually impossible. My college town had about 40000 students and most seniors had trusted the rare jobs available, so when I arrived unprepared in September, I knew I had to rely only on my scholarship for that… Read more
How I helped my handyman get into debt
Since I moved to Guatemala, I have hired a handyman to do work around the house. Let’s call him H. H is 20 years old and lives in the nearby village. He used to work for the previous owner for $65 per month but didn’t do much. When we took him in, we asked him… Read more
How to refinance your mortgage?
I bought a three bed flat in 2009, with 25% down, and a mortgage at 2.94%. That rate was already amazing and I could have slept soundly in my new home without ever thinking about getting a cheaper mortgage. Until I found a little button on my online banking that was saying ”check out… Read more
How to negotiate your bills and your debt
Last week, I talked about ways to reduce monthly payments on your debt. Some strategies included finding better deals to take on some cheaper debt, and others making an extra effort to pay your debt faster and reduce the interest paid. Unfortunately, it is not always that easy. Sometimes, bills… Read more
How to reduce payments on your debt
On a recent post, I talked about how to calculate your debt’s weighted average interest rate. Simply put, if you have a $1000 debt at 6% and a 2000% debt at 0%, your total debt is $3000 at 2%. That rate is important because this is how much that debt money is costing you. Paying… Read more
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