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Mortgage Down Payment

4 Ways to Cut Back on Your Budget to Save for a down Payment

You’ve talked to your family and have made the decision to buy a home. This means that you won’t have to throw money away on rental payments each month. However, you’re going to need to provide a down payment for the house that you want to get. Real estate agents will tell you that a standard mortgage will typically require that you have 20% of the purchase price as a downpayment. But there are ways that you can have 10%, 5% or for first time home buyers 3% for your down payment.  And it is possible for Veterans to pay Zero percent down.

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Family Financial Future

Essential Tips for Securing Your Family’s Financial Future

Starting a family is one of the most important and responsible decisions you’ll ever make, but it’s also one of the hardest decisions too, especially if you’re in a bad financial situation. The problem lots of young people have with starting a family is being financially unstable and not being completely sure what your future is going to look like – getting fired is now easier than ever, and that’s definitely not something you want to experience when you’re a parent. So, doing everything you can to secure your family’s financial future is of the utmost importance, and if you’re trying to do that as well, here are a few tips you might want to take into consideration.

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Wedding Savings

Making it Down the Aisle: 4 Cost-Cutting Tips for Large Wedding Parties

Whether you want a big or small wedding, not exceeding your budget can be a daunting task. However, it definitely isn’t impossible to be within your price range and still have a successful wedding. As long as you have a good strategy to approach for party planning, you will be able to walk down the aisle without worrying about breaking your bank.

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Home Automation

How to Save Money on Utilities Comfortably

When money is tight, finding ways to cut back on expenses is important. For many people, one expense that could be reduced are the utility bills. When it comes to cutting back on utility bills, many people are concerned that they will also have to sacrifice their personal comfort to save money. Fortunately, there are several ways that you can cut back on utility costs without having to be uncomfortable in the process.

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Saving Water

Are Your Bathroom Habits Costing You? 4 Tricks to Save Water and Keep Bills Low

You would be surprised at how much water your family uses every day. Did you know that the average American uses 100 gallons of water a day? And a good portion of that is just from your bathroom habits alone. The good news is that there are several ways to save water without sacrificing your bathroom habits. If you have public water and sewer (as compared to a well and septic) you may actually paying for that water twice, once when it comes in to your house and once when it goes out. But sewer water isn’t metered so even if you water your lawn with it, you may be paying sewage fees for that water. Plus if you use hot water you pay again to heat it. But you can start lowering your water bills by keeping the following tricks in mind.

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Money Challenge 1

Money Saving Challenge

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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Save on Vacation

Frugal Living 101

Family expenses can run high, and it may seem challenging at times to stay on budget. After all, there are often home repairs, car repairs, medical bills and more that seem to develop out of the blue. To better plan and budget for unexpected expenses and to continue to live successfully on a tight budget, you need to strategically keep your regular expenses as low as possible. These tips can help you to more successfully accomplish your financial goals.

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