Debt

5 Money-Saving Tips to Reduce Your Mortgage

Home Loans

Saving money on your mortgage is possible. With just the right mindset and some professional pieces of advice, you may be able to save up in your home loan interest even when you least expect it. Paying off home loans can be absolutely stressful, especially when you think of the money you will be shelling […]

Applying For A Loan

Personal Loans

Applying for a loan is a process that you should be familiar with to increase your odds of being accepted. Getting a loan involves more than just asking a bank for money. You need to have proper credit and there are documents that need to get filled out. Knowing what to expect in the loan […]

Pay Off Debt or Grow your Savings? Which is most important, first?

Debt

Pay off debt or grow your savings?  Which is most important, first? When the question came up about whether it is better to pay off debt or save, I decided to consult with some experts to find out what they say. Everyone has their own ideas about what should be done, however, what are the […]

Student Loan Forgiveness… Is it Real?

Personal Finance

Student Loan Forgiveness..Is it Real? You may have student loans you must repay after borrowing money to get through college. The thought of that debt can be a bit scary! Many students start looking into student loan forgiveness. While there are programs out there offered, it can be very difficult to qualify for them. The […]

The 3 Step Process to Living Debt Free

Debt

The Three Step Process to Living Debt Free Living debt free may seem like a daunting and perhaps hopeless endeavor for many people. Whether you have school loans to pay off, an impossibly high mortgage, or have a tendency to over use your credit card, debt can add up fast. In today’s world people are […]

Know The Rules of Credit Repair

Credit

Numerous credit repair companions today claim eternal protection from bankruptcies, judgments, liens, and bad loans from credit files. There is even a most suspicious assertion of permanent erasure of bad credit from one’s finances. Be careful of how you decide with credit repair services. If you’re careless, you will be caught in mere sickly sweet promises that ensnare the unknowing naive clients […]

Are Points Pointless or Valuable? Credit Card Incentives Unmasked

Credit Cards

When it comes to credit cards, scoring points is the name of the game. You don’t score points if you don’t spend money. And, sometimes, the points can be at least as valuable as what you happen to be charging to the card. Here’s how point work, and how to decide whether or not the points […]

Financing Foundations: What Type of Mortgage Loan is Right for You?

Debt

Fixed, variable, interest-only. What type of loan should you get? There are so many choices out there in the marketplace. Fortunately, you don’t have to go it alone. Most lenders will tell you exactly what they sell, but it’s the real estate agent that is probably going to be your best friend when it comes […]

Turned Down: What to Do When You Can’t Get a Loan

Credit

It is frustrating and disappointing when you are turned down for a much-needed personal loan, but you should certainly not give up trying to obtain the financing that you need and instead concentrate on some positive action that you can take to find out the reasons you were refused and how to try and improve […]

How To Increase Your Credit Limit

Credit

If you are signing up for a credit card, you’ll be agreeing to certain terms and conditions. As well as a particular interest rate, decided by your credit rating and the credit card deal, you will be given a credit limit. This is the maximum amount you can spend on your credit card without incurring […]

Would You Take An ARM Mortgage In This Rate Environment?

Home Loans

If you need to take a mortgage in order to buy a new home, or refinance the one that you have, would you consider an adjustable rate mortgage (ARM), or will you stick with the good, old reliable fixed rate loan? Most people have an overwhelming preference for fixed-rate mortgages, but there are still a […]

Increasing Your Income to Payoff Debt

Debt

There’s no doubt about it, increasing your income to payoff debt can make the whole process…painful. It means having to do something that requires that you step out of your routine. You will probably have to leave your home and take on new responsibilities. But if you’re in debt, especially if you’re deep in debt, […]