Tips for Celebrating Thanksgiving Frugally

Are you hosting your family’s Thanksgiving dinner this year? Although this can be a stressful affair, especially if you are on a budget, with the right tools and tips up your sleeve, you don’t have to break the bank to have a wonderful Thanksgiving. Budgeting on your Thanksgiving festivities allows you to still enjoy your time with family and friends instead of worrying about the money spent on the affair. There are only a few weeks left until the big day, and so it is recommended that you start planning now so that you can secure both a frugal and…

   

6 Strategies for Changing Your Money Blueprint

Changing your money blueprint is actually very simple. All you need to do is change your beliefs when it comes to money. Additionally, you have to change the way you think about people who are well off and the way that you believe it affects your relationship with others and yourself. Once your beliefs about money change, you’ll find that your understanding of finance comes much easier. Here are six strategies to use to change your money blueprint.   1.  Remain Balanced at All Times It is crucial that you do not get stressed out over not having money or…

   

6 Ways to End the Living Paycheck-to-Paycheck Lifestyle

According to one survey, 61 percent of employees report that they usually or always live paycheck to paycheck to survive. The number of people stuck in this cycle does not seem to be affected by the economy, as high numbers were reported before the recession as well. If you are living the risky lifestyle of surviving paycheck to paycheck, the good news is there are things you can do to rectify your situation. Additionally, there are some things that you should avoid at all costs so that you do not dig yourself into a deeper hole financially. Here are six…

   

Little Known Advantages of Bankruptcy

A person declares bankruptcy in the case that they are unable to pay off their debts and desires to have a new beginning. Bankruptcy is a solution that you can use in court and in most cases; lasts for one year and then you are able to discharge it, which means that all of the restrictions that are imposed on you will be released. That being said, in some cases bankruptcy restrictions can last as long as fifteen years. It is not too far of a leap to understand why lenders may push for this process. However, it can be…

   

Handling 7 of the Most Awkward Money Situations Between Friends

It is often said that money and friends do not mix well, and this certainly seems to be the case. No matter how close you are, a friendship can be tested when a loan goes unpaid or when an activity does not match everyone’s budgets. It seems as though you and your friends can talk about almost anything, so why does it get awkward when the topic of money is brought up? Here are seven awkward money situations that are common with friends and how to fix them.   1.  Friend Discounts That Go Awry Mixing friends and business can…

   

Modern Day Tipping Guidelines

It seems that wherever you go there is a tip jar asking for a few dollars. Even at take-out joints and fast food restaurants it appears that it is expected to hand over a few dollars. However, with such shifting formalities of expected tipping practices it can be easy to mix up how much money you should tip to reward someone for their good service. It is not just restaurants that you have to tip either, as many service providers expect a reward.   Restaurants Everyone knows that it is customary to tip restaurants in the United States, but not…

   

5 Affordable Home Foreclosure Alternatives

If you do not make your mortgage payments on time, this can readily cause a foreclosure sale. However, all is not lost if you are unable to make your mortgage payments. There are affordable alternatives that allow you to avoid the foreclosure process, or at least delay it. Even if your foreclosure sale is scheduled to happen in the next few days, you can stop the sale from happening. Here are a few affordable alternatives to foreclosure.   Short Sale After your lender files for a foreclosure, but before the auction is settled, if you receive an offer from a…

   

Tips for Covering Your Assets When Using a Collateral Loan

A collateral loan is a type of loan that is secured by an asset under your ownership. You are essentially promising to give up the asset in the case that you are unable to repay the loan during the agreed upon time frame. When you promise your collateral, the bank considers you less of a risk, which makes it easier for you to obtain the loan. However, when weighing this option, it's also important to think about the worst-case scenario, which is that you are unable to repay the loan. In this situation, you must know the best means of…

   

What is an Adjustable Rate Mortgage Loan?

The adjustable-rate mortgage loan is not something to automatically turn away from and is often misunderstood, especially with its misconstruction in the media and its general misuse by the public. Taking advantage of an ARM loan in the right circumstance can indeed save you a substantial amount of money on interest. However, using it improperly can cause a slew of financial issues, including the foreclosure of your home. Here is a quick look at the adjustable-rate mortgage.   Defining the Adjustable-Rate Mortgage As the name indicates, an adjustable-rate mortgage loan is a type of loan that has a rate that…

   

5 Questions to Ask Yourself Before Purchasing Loan Insurance

Loan protection insurance is created to aid policyholders through financial support if they are ever unable to support themselves. The need for a payout must be substantial such as because of unemployment or disability. This type of insurance can come in handy to continue your monthly loan payments and protect you from defaulting on your loans if you are unable to make payments yourself. Before you continue with the purchasing of this type of insurance, you must ask yourself a few things to ensure that it is the right financial decision to make. Here are five questions you should ask…

   

 



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