Financial Health 1. Track your monthly expenses. – List fixed costs. These include mortgage or rent, car payment, phones and child care. – List costs that vary, such as clothing, eating out, personal care, and entertainment. 2. Make and follow a plan to pay down debt. Do this on your own or with professional help. […]
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FINANCIAL HEALTH There are pros & cons to refinancing your home. It may not be the best choice for everyone, depending on their unique situation. Pros * Lower interest rate: When refinancing at a lower rate, monthly payment decreases, and you’ll pay less over your mortgage life. * Changing the term of your mortgage: When
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FINANCIAL HEALTH The recent popularity of Bitcoin may have you wondering what it’s all about. Here’s what you need to know. * Digital currency. Bitcoin is not linked to any physical representation of value. It is used as a medium of exchange or a store of value. * Decentralized. No bank or organization controls Bitcoin,
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FINANCIAL HEALTH Not sure where to start with a budget? It doesn’t have to be complicated. Here are some tips. Add up your monthly income. Look at paystubs or your bank deposits from your job for one month. Include other income, like child support payments, if you have them. Cut back where you can. Put
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FINANCIAL HEALTH While the cost of food is out of your control, smart shopping habits will help keep your grocery bill more manageable. Tips to save on groceries Shop with a list Grocery stores know just how to tempt you to make impulse purchases. With eye-catching end cap displays and strategically placed snack foods, it’s
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FINANCIAL HEALTH The holidays have a way of sneaking up on us. Before you know it, the stores will be full of holiday cheer, enticing you to begin what is often a season of overspending. Now is the ideal time to start saving so you won’t be caught unprepared. If you enter the holidays with
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FINANCIAL HEALTH Multi-level marketing companies, or MLMs, are companies that sell their products or services through person-to-person sales. People who join MLMs can make money by: * Selling the product or service to friends, family and other customers. * Earning more money if you get someone else to sign up as a representative or distributor
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FINANCIAL HEALTH A medical loan is a specific type of personal loan that can only be used to cover healthcare expenses. For people facing significant out-of-pocket medical expenses, this type of loan can seem ideal. However, there are a few things you should know. The Good * No collateral is required to secure the loan.
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FINANCIAL HEALTH Owning a home is a big investment. Regular maintenance and improvement projects help protect your asset and keep it in top condition. These home projects are the best bang for your buck. Freshen up the paint A new coat of paint, both inside and out, can make your home look up to date
FINANCIAL HEALTH A home equity loan is a loan for a set amount of money. You get the loan by using equity, or value, in your home. Each month, you make payments on the loan to gradually pay it back. There is some risk involved with home equity loans. If a person doesn’t make the
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