Personal Finance

9 Hidden Costs of Home Ownership

We know there are costs when it comes to the actual purchase of a home (down payment, closing costs, insurance, etc.), but what happens after? If you’re interested in buying a home, be sure to consider other costs of actually being a homeowner (along with your mortgage payment) when deciding if you…
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How to Pay a Large Medical Bill

According to the Journal of General Internal Medicine, in 2019 about 137.1 million adults in the United States faced financial hardship due to large medical bills. Struggling to pay a medical bill is nothing to be ashamed of, but is truly a common issue. So how do you tackle this problem? Don’t ignore…
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How to Buy a Washer and Dryer (or Any Large Appliance)

Buying a large appliance can be stressful – especially if it is your first time doing so. Even if it’s not your first time, things change so quickly in the appliance industry that it’s hard to keep up. As they say, “They don’t make things like they used to.” So what steps should you take...Read…
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What to do When You Can’t Afford Rent

This year has thrown us a lot of curveballs, causing unexpected circumstances and hardships. As we work towards a sense of normalcy, many people are still struggling with their financial situation and affording basic necessities, such as rent. If you’re concerned about the possibility of not being…
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How to Curb Stress Spending

If shopping is something you do to alleviate stress and refresh yourself, you are not alone. If you have racked up credit card debt from all your shopping, you aren’t alone in that either. A lot of people fall into the category of “stress spenders.” Although this method it isn’t the worst way…
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9 Ways to Save Money on Your Air Conditioning Bill this Summer

Let’s face it – it’s HOT. And this summer, we are spending a lot more time at home than usual. So how can we reduce our air conditioning bills without sweating while sitting still? Check out these tips to help lower your cooling bill without lowering your comfort level. Get a Smart Thermostat or…
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5 Ways to Use Loans to Improve Your Financial Situation

Although you may think of taking out a loan as a bad thing, there are various ways that loans can help improve your financial situation and actually help you become debt free sooner. Lower Your Mortgage Payment Mortgage Refinance If the interest rate on your current mortgage is 1%-2% higher than what…
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How to Make Your Home’s Equity Work for You

So, you’ve been paying on your home’s mortgage for a number of years now. One of the biggest benefits of owning a home versus renting is that you earn equity with each payment. But what is home equity and how is it beneficial to you? What is Home Equity? Home equity is the homeowner’s interest...Read…
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How to Best Manage Your Finances During Hard Times – Part 2

Hard times, such as the 2020 Novel Coronavirus pandemic, encourage us to revisit our finances to uncover places where we are overspending or spending money on things we aren’t using. We may also be looking to cut expenses completely depending on the way our financial status has been impacted during…
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How to Best Manage Your Finances During Hard Times – Part 1

Hard times are upon many people during this pandemic. The worldwide change is forcing us to rethink our usual financial habits and even our daily life in general for the time being. The tips below can help you best manage your finances while we press through the current situation. Check Your Account…
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