If there is anything you don’t like about your credit card company it’s important to understand your options. For example, there may come a point when you call your company, discuss your situation, and ask if there is anything they can do for you. If you ask your credit card company for one or more of the following, don’t be surprised if they comply: • Bonus points. This one is simple: you tell your credit card...
Shopping for a home can be one of the most exciting times of your life. Unfortunately, if you receive one mortgage loan application denial after the next, this joy can soon turn to pain. With this in mind, it’s important to understand the most common reasons for a denial. This information can help you adjust your approach, thus increasing your chance of an approval in the future. Here are five common reasons for a mortgage loan...
You don’t need an excellent credit score to live a good life, but it can definitely help you feel better about your financial situation. If you’ve checked your credit score and don’t like what you see, there’s no better time than now to take action. Here are a handful of benefits that come along with boosting your score into “excellent” territory: • Lower interest rates. Are you applying for a car loan? What about a mortgage?...
Are you in the market for furniture? From a couch to a dining room table to an entertainment stand, there’s no shortage of things you can purchase for your home. Here’s a common problem when shopping for furniture: everything you like is priced out of your budget. While this is a concern among most furniture buyers, it shouldn’t stop you dead in your tracks. There are steps you can take to save money, with these among...
Are you looking forward to the spring months? Do you have big plans in mind in regards to your home? Are you hoping to take on a renovation project in the next few months? Although the cold weather is lingering, there is no better time than now to plan your spring home renovation project(s). Here are three reasons why you should take control right now: 1. Improved Financial Planning Most home renovation projects take a lot...
Are you in the process of starting a business? Are you creating your business plan to help guide you through the startup phase? Do you have some concerns about the cost of getting your company off the ground? No two businesses are the same, so it’s hard to know exactly how much you’ll spend on startup costs until you dig into the finer details. Even so, some expenses are common across the board. Here are five...
Do you have big plans for your next home renovation project? Have you come to find that the work is beyond your scope? Are you ready to hire a contractor? Hiring a contractor is never quite as simple as it sounds. On the surface, you assume that all you have to do is find a qualified company, discuss the project, and agree on payment terms. Unfortunately, it’s not always this simple. There are both good and...
Do you find yourself spending entirely too much money on gas every month? Are you hoping to reduce this expense? Have you tried and failed to do so in the past? With the national average gas price hovering right around $2.52/gallon (regular), now’s not the time to ignore this expense. Instead, it’s up to you to find ways to save a few dollars here and there. Here are three simple steps you should consider taking in...
Are you ready to put your home on the market? Are you hoping to get top dollar? Are you willing to take on a few projects to ensure that you secure the largest profit possible? While there is no way of knowing what will happen once your home hits the market, there are steps you can take to position yourself for success. Here’s the dilemma: you want to upgrade your home to boost its value, but...
Do you have an emergency account? Have you come to realize that you need to start one as soon as possible? Are you concerned about finding enough money to fund the account? There’s no better feeling than having a fully funded emergency account. With this in place, you know exactly where you’ll turn if you need cash in a hurry. Unfortunately, some people find it challenging to find enough leftover money every month to fund their...
