Home improvements are never easy to accomplish, but there’s plenty of steps you can take to make your life a little easier. One of the hardest problems to overcome is staying within your means. Below, are four ways you can better manage your family’s budget throughout a home renovation.
How to Manage Your Family’s Budget during a Home Renovation Read More »
When a loved one has passed away, often the last thing you are thinking about is choosing a funeral home. Most people do not take the time to properly select a good funeral home, however, if you take the time to choose carefully, you can save hundreds, sometimes thousands of dollars on funeral costs. Along with saving money, you will also be able to find a funeral home that can meet all of your needs, leaving you and your family satisfied with the decision.
Save Your Family Hundreds of Dollars, Choose the Right Funeral Home Read More »
Now that spring is right around the corner, it’s time to start thinking about yard care. The National Garden Association estimates that an average household spends $350 per year on lawn and garden costs. For some, that might not sound like much. For others, though, it can take a toll. If you’re wanting to save in this area of your home care expenses, here are several tips for you to consider.
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Every year, Americans are paying more than they need to on their home insurance. Your home is one of your most prized possessions. Therefore, it is only natural for you to take steps to protect it. Protection for your home comes in the form of homeowners insurance. However, Premiums on home insurance have risen over 50 percent in the last ten years. Currently, the average insurance premium for homes in the United states stands at $1083 annually and can rise as high as $2,024 in some states. If you are one of the many homeowners looking to slash their insurance bill for the next year, take a look at these simple tips.Â
Cutting Your Home Insurance Bill: Three Secrets That Can Save You A Bundle Read More »
As the year starts we tend to make “New Year’s Resolutions” but by the time February rolls around we have generally forgotten them so by following this Money Saving Challenge we here at Your Family Finances are encouraging you to step up and get back in the game. If you follow the plan in this challenge you will have some guidelines to help you along the way rather than just a vague goal of “somehow” getting your financial life straight.
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The sooner you file your taxes, the faster you can expect to see a refund. The IRS issues 90% of refunds within 21 days of filing, which means you won’t have to wait until almost mid-year if you act fast but there are other benefits of filing early as well.
Taxes: Why It’s Better to File Early Read More »
Before you get in the investing game learn the rules. “When a person with money meets a person with experience we all know what happens… the person with the experience ends up with the money. ” ~ Tony Robbins.
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For every 10 degrees that you lower your water heater’s thermostat, you will cut 3-5% of water heater electricity expenses on your monthly bill. Some water heater units are preset as high as 140 degrees; temperature this high has a high chance of scalding. If this is the case, then you can easily set it lower to 120 degrees. 120 degrees is generally enough for your hot water needs. See this video for some great tips on further adjustments you can make to save even more.
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Anyone who has lived paycheck to paycheck knows that it’s no fun. You struggle to scrape by every month, you’re constantly stressed about money and even a minor emergency could put you in difficult spot. Fortunately, you can achieve financial stability if you follow the right strategy.
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When you decide to invest money, it’s important to commit to doing the appropriate research that will protect your financial investment. When you think of saving you generally think of a bank. And when you think of investing generally you think of either stocks or bonds. Stocks are a form of ownership while bonds are a form of debt. So if you buy a stock you participate in the good fortune of a company but you also can participate in its losses. Bonds on the other hand are you loaning money to a company. You don’t participate in any appreciation you are simply paid interest for using your money. You also don’t have the risk of the company value decreasing. Even if a company goes bankrupt bondholders are ahead of stockholders in getting their money back. For this reason bonds normally have a lower yield than stocks, but also a lower risk. There are several different types of bonds and bond funds. Typically the difference is based on the type of issuer but differences also come from how the bond is structured.
Looking To Invest? Bonds To Consider Read More »
If your roof shows signs of damage or wear, now is the time to get if fixed. Once the snow and ice build up on your roof, every thaw means running water that can creep into the tiniest cracks and gaps. The water can also re-freeze and expand, making the cracks worse. Melt water soaks into the wood and can do structural damage. This makes roof repairs even more expensive. If you haven’t been able to follow our advice and put aside an emergency fund for situations like this, here are some funding options to consider.
On Top of Things: Financing Roof Repairs before the Winter Months Read More »
Hopefully, you’ve survived the recent hurricanes without incident, but with so many people suffering damage from Hurricanes Harvey and Irma you might be wondering how to get compensated if you suffer damage. For instance, suppose you are in the situation of my neighbor David. His roof was about 20 years old and so had about 5 years of life left in it before he was going to have to replace it. But along came hurricane Irma which ripped off about a dozen shingles and created leaks and potential leaks.
Hurricane! How to Get Compensation after Significant Home Damage Read More »
