If you’ve been accumulating a bunch of loans with high interest rates and huge monthly payments, you may be considering consolidating your debts into a single, lower interest rate loan. This takes some of the burden off being able to afford your bills by lowering your monthly payments. >> Read
Check heating filters once a month . Although there will be a minimal cost up front, this can extend the life of your heater. A dirty filter will make the system work harder, using more energy (and costing you more) in the process. Fix air leaks in doors and windows.
The best time to start thinking about the next holiday is when you return from the last one. This gives you enough time to put things in perspective and start saving up. Develop the discipline to save by opening a Holiday Savings Account! What are some of the benefits: 1.
A budget is your most powerful financial tool…you just have to know how to use it. A Gallop Poll conducted over the Summer of 2013, found that only 32% of Americans actually have a personal budget. Where do you fall in this group? With a budget to help guide your spending,
Getting out of the revolving cycle of debt may seem intimidating, but you’ve set the goal: this is the year you stop juggling your debt! According to CreditCards.com, the average American adult has $4,878 in consumer debt. Not all debt is bad, and if managed properly, can increase your credit
This year, we’re going to work on building our best financial & most well-rounded self. By following our few simple to-dos each month, you’ll be well on your way! So take advantage of the freezing temps and let’s kick off January right: Evaluate your Goals What do you want to
Statistically, September is the time of the year when things start picking up again after the lazy days of summer. Use this month to prepare for that upswing in social, work, and school events while still enjoying the little of summer you have left! 1. Save on Back to School
When the weather is warmer, it’s easy to slip into higher spending. This month’s to-do list narrow’s its scope for a cost-effective summer. 1. Conserve Your Energy & Reduce Your Bills – Slash your summer utility bills and maximize your savings by turning off your appliances while not in use,