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So you think a loan will help you spice up your life with something out of the ordinary, flashy, and of course expensive? We’ve all been there numerous times, and usually it goes quite smoothly until the situation arises. You know the situation where you are showing off your new ride or you’re at your open house and someone tricks you into divulging the interest rate on your loan, then subsequently laughs in your face and calls you a sucker. If you want to avoid this one of the most important things to know is when to get the loan.
Many things can affect the interest rates on loans and it’s important to know what… » Read more
As we look for new ways to save money and to have an emergency savings account, there are many different types of savings accounts to use. Online savings rates are typically higher from the traditional savings account you can find with your local bank. Having an emergency savings account is one of the best decisions you can make for your financial health. A good savings account should have between 6-12 months of your income saved up. This gives you plenty of money to fall back on in the event that you end up having troubles with work and lose your job. This will also provide enough money to pay for other needs… » Read more
There are always fluctuations that occur with your financial situation. Being prepared for the ups and downs that happen is one of the key components to smart financial planning. What type of savings account should you create? What savings account options are available? How much money should you set aside in savings? With the future always being an “unknown” it is best to create an emergency fund that you can live on for at least 3-6 months. Here are some tips to follow as you create an emergency fund:
- List all of your expenses
- List the income amount you need to live comfortably
- List your debt to income ratio
Where Do You Sit?
Taking stock of your… » Read more
