5 Things to Consider When Thinking About Refinancing

Everyone can use that extra bit of cash flow that we believe will come from refinancing and reducing our monthly mortgage payment. But there are numerous factors you will need to consider before pulling the trigger on refinancing. What you might think is a good deal could actually have you paying more in the long run. Here, we’ll review five things you need to consider when deciding whether refinancing is right for you. What is the value of your home? Has the value of your home depreciat...

White Knight Agencies Help with Credit Card Issues

In a perfect world, satisfaction would be the ultimate description of every aspect of our lives. There would be no justification for complaining and griping; disputes would be non-existent when everything works as its intended and products are perfectly flawless. But that only happens in dreams; the real world is full of defective, faulty, unreliable merchandise and shoddy, mismanaged services…including credit card services. While credit cards have become a great resource over the years, but the...

Water Leaks Can Cost You: How to Find Them

Water damage is the kind of damage that always comes with a cost - in fact, according to HomeDepot.com, “Water ‘escape’ damage is the 2nd leading cause of home insurance claims nationwide.” So how do you prevent the leak that causes the damage before it happens? There are definitely signs to be on the lookout for during regular inspection of your home, which we’ll shed light on here. In the bathroom. If you consider that most of the things you spend time doing in the bathroom involve a water ...

Finding Your Solution: 6 Steps to Debt Freedom

Dreams of getting out of debt are not so rare these days, but stories of triumph we hear less frequently. Debt freedom is attainable, but it requires extreme dedication and a lot of focus. Here is a guideline, including six steps to dig yourself out of the debt hole. Create a spending record. A spending record is a great way to figure out where you can cut back on spending. This record should include everything from monthly bills to a pack of gum. After all money is money no matter how small. E...

Credit Score 101

A recent survey conducted by CouponCabin.com uncovered that 47% of Americans don’t know their credit scores. That startling percentage suggests that nearly half of Americans not only have no clue what their own credit scores are, but that they are also unaware of what exactly affects their scores and the negative implications of poor credit scores. It’s important to understand credit scores and how bad ones could cause you problems in future when it comes time to apply for a credit card or a...

Why the Frugal Are Rich

Being frugal doesn't mean you don't have money for things, it simply means you choose not to spend money on expensive unnecessary items. Living frugal can make you rich in several ways and more than just by the amount of money you have. Financially Rich Of course when you hear the term rich you think of having a lot of money. That is part of the richness the frugal experience. Because frugal people do not care about keeping up with other people by purchasing fancy items, they are ...

Car insurance is a necessary evil. You’re required by law to have it, but it can often just feel like one more added expense in these difficult economic times. The good news is that the chances are high that you are spending too much on your car insurance. Are you a safe driver? Do you have good credit? Do you drive with low frequency? If you said yes to any of these questions, you are likely in for a financial treat. Here, we’ll review the top five great ways to help you save some money on ...

The Real Costs of St. Patrick’s Day

St Patrick’s Day brings about parades, parties, wearing green and of course the mythical leprechaun and his pot of gold that everyone wishes were real. But some might do better to pay attention to their own coins because St Patrick’s Day is one of the costliest holidays of the year. The Start of it All St Patrick’s Day started originally in Ireland as a religious cultural holiday. It takes its name from one of the most common saints of the church, St Patrick. Since those days although...

Credit Card Interest Rates and Ways to Lower Them

If you’ve paid attention to the U.S. economy in the last few years, you’ve probably heard news segments demonizing banks for contributing to the recession by stiffing their credit card customers. While much of the criticism was legitimate regarding unfair practices, banks can’t be expected to lend at rates that put them at risk of insolvency. As an integral and important aspect of our free market system, the interest and fees you pay are the revenues they use to satisfy stockholders and to be ab...

Are Your Finances Truly Secure?

Obviously you know to never trust your money to a firm (or anybody from a firm) called Dewie Cheatum and Howe. Beyond that, though, how can you be sure that your money is truly safe…you know, outside of stashing it in a shoebox under your bed or in your mattress? Banks 1. Is Your Bank Safe? The best place to start with you want to figure out whether or not your bank and its assets are truly safe is to check out the bank with the FDIC. They have a website that you can use to check out ...

Money 101