Guest Author

How Much House Can You Afford?

Real Estate / By

Buying your first house can be an exciting time. It can also be a nightmare trying to get the right amount budgeted for it. Most people sidestep the question by simply going to a bank and asking how much they qualify to borrow.  Unfortunately this is a very common mistake.  Banks are not financial planners they are in the business of lending money, they know nothing about your lifestyle so they simply sue some basic rules to determine how much they will loan you. They do take into consideration your other obligations but they will often offer you more than you would be wise to borrow. This can lead to serious debt issues if unexpected expenses arise.

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Insulation

Is Your House Wasting Energy & Costing You More Money

Energy / By

Reducing your home’s carbon footprint isn’t just going to help the environment. Making a few small changes around your property could end up saving you thousands of dollars a year by cutting back on your electricity and gas bills. If you are ready to make your home as efficient as possible, then here is a look at some of the most common ways that energy is wasted and what can be done to prevent them.

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5 Financial Tips to Keep Your Children Fed While You’re Out of Work

General / By

Losing a job is never fun. It’s bad enough job when you’re single, but it’s a lot worse when you have kids. You worry about how you’ll feed yourself and them, especially if your unemployment stretches on for months. However, you can take steps to keep your kids well-fed while you’re unemployed. Here are five

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Teaching Children While Saving for College

Education / By

Many adults, find it hard to plan for something that may not happen for another few years or decades. For a child, it may be nearly impossible to comprehend the need to worry about something that won’t occur until they are two or three times as old as they are today. However, it is critical that parents find a way to teach their children while saving for college as part of their mandate to prepare them to become independent adults. This is not simply because of the benefits of getting an education, but the process itself is actually beneficial. If you simply plunk the money down when the time comes you will actually not be doing the best thing for your child and he or she may not appreciate the gift that has been bestowed upon them and thus may actually waste much of the opportunity.

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Debt and Bankruptcy

What to Do When Debt is Burying You Alive

Bankruptcy / By

Debt is a serious financial problem. According to Credit.com 80% of Americans are in debt, 44% have mortgage debt, 41% of millennials have student loan debt, 41% have car loans and 39% have credit card debt. While some people are simply spread thin by having too many bills or high credit card payments, others are unable to make the minimum monthly payments. When this happens, you may fall deeper into debt each month, and you may be wondering what steps you can take to re-gain control over your finances or to find relief from your burdensome debt issue.

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3 Factors To Consider When Calculating Your Home’s Value

Real Estate, Video / By

When it comes time to sell your home, you will need to know how much to list it for. However, if you list it at the wrong price point, you risk either getting too little for the house or not getting any offers at all. Many people like to keep track of their home’s value even if they aren’t ready to sell.  Knowing your home’s value and subtracting how much you still owe you can tell you one factor in your “net worth” i.e. how much you own minus how much you owe. What can you do to accurately gauge the value of your property?

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Uncluttered Workspace

How to Create the Ideal Home Office You’ll Enjoy Working In

Home Improvement / By

Working from home is an awesome perk, but not if you’re stuck working on the cluttered corner of the kitchen table. To ensure maximum focus and creativity, you need to provide yourself with optimal working conditions. Consider creating a tranquil space that lends itself to getting things done while fostering productivity and creativity. Comfort and functionality are the keys to making your office space enjoyable while performing your day-to-day tasks. Here are some tips on how to create a perfect space that stimulates your mind and productivity.

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True Cost: How to Calculate the Financial Needs of Your Family

Budgeting / By

When you sit down to write out your expenses, you probably know that you need to account for mortgage or rent, heating, electricity, water, car bills, credit card payments and student loan debt. However, don’t forget to account for the smaller bills too. For example, you might need to contribute money to your children’s sports team, or you may have small private loan that you’re still paying off. Don’t forget that money has to pay for food whether you’re going to the grocery store or eating out at restaurants. Don’t forget to factor in things like insurance and saving for emergencies.

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Minivan

The Family Minivan: 4 Money-Saving Steps to Fix Up Your Vehicle

Car / By

The minivan is a very useful and versatile vehicle, from taking the kids to soccer practice to picking up supplies at the lumber yard the minivan does it all. But routine trips and errands in your minivan can lead to many minor problems. Dents, chips in the glass and stains on the carpet are common issues. Rather than having these fixed by the mechanic, you can take care of these minor problems yourself and save a bundle in the process.

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How Bad Credit Happens & How to Keep It from Holding You Back

Credit Rating / By

Having a good credit score can make your life easier in a variety of ways. For instance, you may be able to get loans at lower interest rates or insurance policies with lower premiums. It may also be easier to get a job or get an apartment in a desirable area. Let’s take a look at why a person may have a bad credit score and how to overcome it.

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