If you pay attention to a lot of personal finance advice, one of the first pieces of advice that you get is to start a budget and start cutting major expenses.
As a financial planner, we would rather focus on increasing your income and focusing on saving, rather than try to control and cut the costs. The reality is, most people on a budget, fail. They fail after a few months. More importantly, budgeting typically does not fix the issue in the first place.
This does not however mean that there are not things we can take away from budgeting, more importantly taking a look at the monthly expenses, to identify monthly expenses that are either completely unnecessary or you were even unaware of. Here are 3.5 ways to save.
When should you look to refinance your mortgage? What questions should you be asking? What traps should you be trying to avoid?
Even though rates are not AT all time lows, they are near all time lows. Many Americans have been able to take advantage and have refinanced their mortgages over the last few years, however there are others who have not. Perhaps you had credit issues or were upside down on your equity in the past, but you are currently in the position to be able to refinance your mortgage. This is the video for you to watch.
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The internet is a wonderful tool that brings even the most remote and complex information, to anyone’s fingertips in mere seconds. Instead of reading books or opening up the encyclopedia, you can go to your favorite search engine and find what you are looking for… and more, much much more.
The challenge that this creates is the over abundance of information. Have a head ache? Or a rash? Instead of going to a doctor, if you search online, while you may get great information, you will also be able to come away thinking you just contracted a deadly disease. Getting the answers you are looking for on the internet, is like trying to drink from a fire hose.