Easy Steps To Lower Your Interest Rates
If you have credit card debt and pay over 20%, it’s time to look at ways to lower your card’s interest rates. Getting a lower annual percentage rate is easier than you think, especially if you’ve already paid down part of the debt. Follow this simple guide for great tips.How To Negotiate a Lower Interest […]
Negotiation: It’s Not a Dirty Word
To haggle, barter, liaise, or come to terms are all words or phrases synonymous with or related to negotiation. Yet, despite the prevalence of negotiation in the language, many people have an aversion to the process.A 2017 PayScale survey polling 31,000 people found that 57% of participants never asked for a raise in their field. […]
Refinancing 101: Review This Guide Before You Apply
With interest rates projected to rise over the rest of the year, it’s no wonder that you might be wondering about refinancing your mortgage. But, dad jokes aside, the decision to pay off your mortgage with a new loan requires careful consideration, even if you’re tempted by the promise of a lower interest rate. So […]
5 Real Ways To Make Money From Home
It can be challenging to find side gigs that provide a decent amount of money. The digital age gave rise to affiliate marketers and online survey takers. While it is possible to make some money doing these things, an overly flooded market and a general disdain for digital ads make it difficult for the average […]
When To Travel To Maximize Your Savings
You want to take a trip, but you do not want to spend a fortune on airfare. Widespread assumption tells you that booking a flight for a Monday in the future is the most cost-effective solution, but is that what the research says? No.Many people schedule travel plans around outdated studies or assumptions not rooted […]
Six Smart Money Moves to Make Before December Ends
Making the right money moves at year’s end can help you start 2022 with a strong financial foundation. Consider these strategies now for peace of mind as the ball drops at midnight on New Year’s Eve.Look at Your BudgetHow have your income and expenses changed this year? Are you making the most of your money, […]
Understanding I Bonds and Their Current and Growing Popularity
With rising inflation rates, it is natural for Americans to worry about the value of their dollar. Over the past several months, the average consumer’s paycheck does not meet the same budgetary expectations as before, with many citizens complaining about rising grocery costs and other essentials.As inflation continues to rise, investors are trying to find […]
Retirement Savings and the Magic Age of 40
A comfortable and secure retirement depends on your savings habits earlier in life. The general understanding when it comes to saving for retirement is that the earlier you start, the better. However, life goals often get in the way, like getting married, buying a house, and traveling. While accomplishing alternative financial goals is part of […]
Weighing the Pros and Cons of an HSA
With a health savings account, commonly called an HSA, you can set aside pre-tax funds to pay for future medical expenses. While an HSA sounds like a no-brainer, reviewing the benefits and possible drawbacks of these types of accounts can help you make the best decision for your finances. Here’s what you need to know […]
Do Electric Cars Save You Money in the Long Run?
Comparing the costs of electric versus gas is tricky. Prices range a ton depending on vehicle manufacturers and even where you live in the United States. I’m going to do my best to explain five important factors that can help you make the best decision.1. Sticker PriceThe first glaring difference in the total cost of […]