Everything Finance

10 Must-Have Mobile Apps for Holiday Shopping

A recent Pricegrabber survey reports 82 percent of online shoppers will use shopping apps to save on...

Is Now the Best Time to Refinance?

This is a guest post by Jason Cabler who blogs at http://www.cfinancialfreedom.com/ Image Source: http://ncfhaexpert.com Have...

Obama and Romney: Opposing Views on Small Business

I do my best to steer clear of politics when I’m talking finance, but the Presidential debate last...

Do you Want Free Glasses? (Even Prescription Glasses)

Have you been shying away from wearing glasses? Do you think it takes away from your looks, yet you...

5 Sources of Retirement Income

When you retire, it becomes important to have reliable sources of income. As many people found out during...

Peer to Peer Lending: Cautions and Considerations

Peer-to-peer (P2P) lending has been getting an awful lot of attention these days. The big two P2P lenders...

The Energy Sucking Monster: Air Conditioning

This summer we have been experiencing record high temperatures across the nation. Keeping the house bearable...

So You’re Debt-Free, Now What?

It’s not a common situation, but it’s one that I know must apply to some of you out there. Debt is...

Can You Live a Cash Only Life?

This may sound like a silly question but credit card companies would lead you to believe it is not possible...

How to create a good Craigslist ad and sell your stuff

My husband and I are moving and we’ve been scouring Craigslist ads to buy our furniture. We currently...

Home Ownership–Would You Move to a Lower Cost of Living Area?

The average age of first time home ownership in the United States in the last 10 years has varied from 30 to 32 years of age,...

How to Figure Out Your Mortgage Payments

If you’re considering buying a house, you may just think you take out a loan from the bank and pay what they tell you to...

Filing Taxes – Mortgage Insurance Premium Tax Deduction Revived but Set to Expire at the End of This Year

At the end of 2012, much to do was made about the Fiscal Cliff and the fact that many of the Bush era tax cuts were set to expire. ...

Ways to Renegotiate Your Mortgage

If you are like many Americans struggling to make your monthly mortgage payment, you are not alone.  While the current economy...

Can You File for Mortgage Bankruptcy?

Have you fallen behind in your mortgage payment?  Do you worry about losing your house or creditors calling you?  If so, you...

Is Now the Best Time to Refinance?

This is a guest post by Jason Cabler who blogs at http://www.cfinancialfreedom.com/ Image Source: http://ncfhaexpert.com Have...

The Advantages of a Semi-Monthly Mortgage Payments

Buying a home is a large responsibility, and the monthly payment will likely be your single largest expense every month.  However,...

The Benefits of a Balloon Mortgage

If you are in the housing market, choosing what home to buy is not your only big decision.  You will also have to think carefully...

Saving Money by Comparing Home Loans

Shopping for a home loan is really no different from hunting down any other great deal.  You just need to have a plan of attack...

Offset Mortgage Calculator

Offset mortgage calculator users will know that this method can be a fantastic money saver. By using an offset mortgage calculator,...

How to save up for a down payment

It’s not any secret that my husband and I are vying to be homeowners. Home ownership has always been a goal of ours, but it has often taken the back burner to more pressing things, like graduate school, job training requirements, and paying down the last $14,000 of our student loan debt. We’ve been able to get through most of these financial hurdles by downsizing and also building up a side hustle income, such as freelancing, that has allowed us to pay down debt and save. But now, we’ve added...

How to Get Rich: Wealth Building for the Financially Illiterate by Barbara Friedberg – A Review

There are hundreds of personal finance books out there.  There are so many to choose from that it can be overwhelming.  However, if you’re looking for a straightforward guide who speaks in plain English and wants to help you become a financial success, look no further than Barbara Friedberg. Barbara Friedberg is a portfolio manager and finance instructor.  She is also the author of the blog, Barbara Friedberg Personal Finance.  We can now add to her credentials, author of How to Get Rich: ...

3 Questions To Ask Yourself When It Comes to Splurging

Last week, I decided to have a big splurge. I bought an international plane ticket last minute to go home and visit my family. I had some time off of work, it was Mother’s Day, and it was also a few days before my birthday. While I hadn’t planned on seeing my family until the holiday season, I really missed them, and I wanted to go. Plane tickets to my hometown are pretty expensive, and there are always other costs involved in seeing my family, including meals in the airports, gas, etc....

3 Painless Ways to Be Frugal

Frugality gets a bad rap.  I’m guessing that it’s because being frugal is often confused with being a miser.  You know, those people who won’t spend money on anything.  Those people who drive 5 miles out of their way to get gas for 3 cents less per gallon.  Those people who take their dates to a restaurant during half price happy hour and will only let the date order appetizers.  You know the ones. Then, there is also the misconception that frugality doesn’t matter. ...

How To Avoid the Temptation to Spend

The temptation to spend is all around us. In fact, I would argue that it’s almost inevitable that we want to spend something at least once every day and that it takes self control and forethought to have a “no spend” day. So, why do we feel the need to spend every day, and what can we do to try to avoid this temptation altogether? Well, below are 5 ideas that can help anyone, regardless of your age and financial status. Turn Off The TV When we watch TV, we are bombarded with mass marketing...

How to Prep for a Garage Sale

When in the process of paying off debt, you’ll find that you’ll do pretty much anything to try and make more money to pay off that debt a lot faster. Let’s face it—being poor sucks, and watching your hard-earned money go toward debt repayments is a total downer. For this reason, garage sales are often touted as a great way to give your debt repayment morale a boost when you need it most. If the idea of throwing a garage sale is just too daunting, break it up in these simple to-do chunks to...

How to be a savvy saver

Australians have become better savers, with the household savings rate recently climbing to around 10 per cent of disposable income. Yet with the 2012 RaboDirect National Savings Barometer finding nearly half of all working Australians have only a month’s worth of savings in the bank, there is still plenty of room for improvement. While doing a budget, putting money aside regularly and saving for a rainy day are all sound policies, there are many innovative ways to save money. Change spending habits Impulse...

Saving Money on a New York City Vacation

My husband and I recently went on a vacation to New York and we learned some tips for saving money on our New York City vacation. While we’ve been saving for the trip for four months, technically you could say we started saving up for the trip two years ago. Here are our tips for saving money while on a trip in New York: Book Free Flights Living in California, the cross-country flight to New York was one of the largest expenses of our trip. New York was definitely on our list of must-do trips since...

Home Ownership–Would You Move to a Lower Cost of Living Area?

The average age of first time home ownership in the United States in the last 10 years has varied from 30 to 32 years of age, depending on the economy (Economists Outlook).  My guess is that it might also depend on the area of the country people reside in.  Certainly buying a house in rural Iowa is much more affordable than buying a home in the suburbs of Chicago or New York City. My husband and I are well above the average age for first time home ownership, but we’re finally starting to...

Savvy Money Tips That Will Work For Anyone

Sometimes it seems that most money tips are just aimed at the pros, so below I’ve included several tips that will work for absolutely anyone. Enjoy! Track What You Buy So You Don’t Overspend It sounds hard, but really tracking what you spend doesn’t take much time or effort. All you need is a little notebook or a handy iPhone app that keeps you in check. I personally kick it old school and write down my expenses in my planner, but you have to do what works for you. Use Credit Cards...

Real Estate Law Help – What to Do When You’re Facing Eviction

A renter can face eviction for a variety of reasons, from not following the lease...

How to Figure Out Your Mortgage Payments

If you’re considering buying a house, you may just think you take out a loan...

Filing for Bankruptcy in Retirement – What You Should Know

When you picture who typically files for bankruptcy, you may envision people in their...

Retirement Planning – What Being “Vested” Means

One of the nice perks many employers offer is a match to your own retirement contributions. ...

Filing for Bankruptcy – How Retirement Accounts Are Affected

Most people don’t want to file for bankruptcy and put off doing so for as long...