How Much House Can You Afford To Buy?

How Much House Can You Afford?

Owning a home is part of the American dream – a place of your own where you can raise your kids and your grandchildren can come to visit. Part of that dream might be reaching for the stars to buy the biggest and the best, but your income and budget might make that hard to do. So how much house can you afford? Here are a number of methods that can help you figure it out. Continue reading

Why You Should Follow the IRS on Social Media

The Internal Revenue Service just wants to be like everyone else – accessible on Facebook or Twitter, available to chat with you about whatever’s on your mind. The IRS has jumped into the social media scene in an effort to make tax time as painless for you as possible. The agency wants to be your friend and offers many solid reasons why you should accept the invitation.   Advantages of Following... Continue reading

Should You Lock Your Social Security Number?

Some people are just more careful than others. They always lock their cars, they look both ways before crossing the street and they don’t open emails from unknown senders. If you’re one of them, and you have reason to be concerned about identity theft, the U.S. government offers a powerful tool to help keep you safe: You can lock your Social Security number.   How It Works Locking your Social... Continue reading

What to Expect When Transferring a Credit Card Balance

If you’re like many Americans, you’ve probably received a credit card offer in the mail and thought, “Sure, why not?” The interest rate might be exorbitant, but you figure you’ll use the card only sparingly. The next thing you know, you’re pushing up against your credit limit and paying a king’s ransom in interest.  A credit card balance transfer moves the amount you owe one lender to a new card... Continue reading

Financial Dos and Don'ts of Remodeling

Most people buy a home that's already built, not one that's custom-made for them, so it's normal for home and condo owners to want to remodel things to their liking. Remodeling projects often aren't cheap, but you can keep your expenses down by planning ahead. If you're thinking about sprucing things up a bit, check out the following dos and don'ts before you write a big check.   Shop Around for... Continue reading

How Once-Weekly Meal Prep Saves on Groceries

The average American spends $1,200 a year on fast food, as reported by the Daily Mail. That may not sound like a big chunk of your annual budget, but it’s $4,800 for a family of four – more than enough to fund a vacation instead of wolfing down food that’s not even particularly good for you. Cooking meals at home is far cheaper once you get organized and make the time. Continue reading

Enhance Your Career Skills for Free

Perhaps you're re-entering the workforce after taking time off to raise a family, or you've managed to nab a job at a company you've been eyeing for years. Maybe you're just looking for a career change. Either way, a number of free online programs and courses can help you hone your business skills and increase your self-confidence. That promotion may be just around the corner.   Effective Public... Continue reading

Should You Ever Cancel a Credit Card?

You may want to simplify your financial life by closing some of your accounts if you've built up a collection of credit cards. Keeping a credit card open, even if you don't use it, will usually positively impact your credit score. However, in some circumstances, you may have a good reason to cancel a card to help your credit score or your financial peace of mind.   Benefits of Keep Cards Keeping... Continue reading

Common Ways Consumers Waste Money

Date: November 16, 2016 Whether you're motivated to save for something really special like a new house, or you're just looking to trim some fat from your budget, figuring out where you're wasting money is one of the first places to start. Cutting the waste from your budget causes minimal pain because you're reducing expenses that you're receiving minimal benefits from, freeing up money for the... Continue reading

How Credit Card Balance Transfers Work

If you're tired of paying extremely high interest rates on your credit card balance, a balance transfer might be for you. You might even qualify for a special low introductory rate if you have a good credit score. Even if your credit isn't perfect, you might still be able to get a lower interest rate than the rate charged by your current card.   Balance Transfer Mechanics To initiate a balance... Continue reading