Once you buy a house, you’re locked into a mortgage for 30 years, right? Wrong. Most banks have done away with prepayment penalties and made it easy for you to save money on your mortgage and pay it off early. Your mortgage may be the biggest expense you ever have, so why not cut it down and get rid of it as quickly as possible? These tips make it easy to pay your mortgage down fast. Add Two Extra Payments {Read More}
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Sometimes when we look at ways to adjust our budget, we see long-term goals. You can make some budget tweaks immediately, however, and see immediate gains. Here are four ways you can adjust your budget today and see the savings within the next 30 days (sooner with some). 1. Insurance Policies – Are you paying too much for your car insurance? You hear that question all the time in commercials, usually for companies that will charge you just as much {Read More}
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We’ve all done it and we’ve all felt guilty for it. You only plan on spending $300 (or $200 or $100) at the grocery store, but when you get to the checkout, your total is $30 or $50 more. To spare yourself time and embarrassment, you just put it all on credit. This leads to debt and overspending. Need to break this habit? Use envelope budgeting. When my husband and I were $80,000 in debt we had to figure out {Read More}
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You love coffee. Many people do, and for many people, the day does not begin without coffee. If you enjoy your morning cup, the cost can add up. Fortunately, you can save money on your coffee very easily. You just need a little willpower and some ingenuity. Downsize Your Coffee Menu You love your coffee shop coffee, whether it is Starbucks or a local shop. That latte, however, can add up very quickly. If you simply must have your coffee {Read More}
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You have been doing really well and saved money for an emergency. You have pinched pennies. You have cut corners. You have avoided the temptation of the Chai Latte. Now, you are looking at an emergency and wondering – Should I dip into my emergency fund? Sometimes that answer can be easy, sometimes it can be tough. Sometimes we are tempted to go to that fund when we don’t really need it. So how do we know when we have {Read More}
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You have this great spreadsheet on your computer. On it, you have budgeted everything – utilities, rent or mortgage, car payments, gas, and groceries. Unfortunately, when you get to the end of the month, you are still scraping to pay something even though your spreadsheet says you should have money left over. Why can’t you seem to get a break when it comes to the household budget? Chances are, you’re overlooking a few expenses that are killing your budget. Vehicle {Read More}
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