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Do you have a desire to live more comfortably financially speaking now and in the future? It doesn’t have to be all about earning more money. The concept of living below your means now so that you can retire earlier and more financially set later is a way of life that is different.
 

One of the keys to financial success is understanding that the use of savings or debt for purchases has a major impact on your future financial success. More to the point, how you pay for any purchase has a direct correlation to your future financial success.
 

Most people only consider a mortgage refinance when rates are falling and even though rates have increased slightly there are times refinancing still makes sense. Mortgage rates are still below historical levels and the reasons for refinancing involve more than just lowering your rate.
 

One of the most perplexing questions for a home buyer is whether to use a fixed rate mortgage or an adjustable rate mortgage loan. Some might think in today’s rate environment, a fixed rate mortgage is the only option. That is not necessarily true as even today, there are reasons to consider an ARM loan. 
 

Life brings several opportunities to spend money and for most of us this requires a choice on how we are going to pay for what we buy. There are really only two options, borrow or use cash.  The choice you make for each type of spending will be a major factor in your long term financial success.
 

Being debt free is a goal for everyone who has any debt. Yet even though that is a goal for everyone, hardly any has a true plan to be debt free in the near future.  How can you reach debt free status? There are surprisingly several ways to become debt free that don’t have to be that painful.
 

Home improvements are not all equal.  Some provide more value for resale than others. However resale value is not the only criteria that should be used to determine the projects to complete. Deciding which home improvement projects make financial sense is not an easy task.

Categories: budgeting, college, loans

You may have just graduated college, or maybe it has been a few years. Either way, it’s important to understand your student debt and create a repayment plan that is realistic for your specific needs.

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