I Want to Buy a Home - Now What?

If you were to ask 100 women "What would you like to achieve financially?" Buying a home or apartment is usually one of the answers. Some women think that they can never own a home - which is not true! In fact, there are so many success stories of home buyers who never thought they would get there. In addition, homeowners tend to have greater financial success in the other areas of their finances life. I've seen it over and over.

The benefits of owning a home include: building equity, saving money on taxes and an integral step towards building wealth. With interest rates so low, this is a great environment to buy a home. This article is a checklist with tips and guidelines to buying a home. If you already own a home, some of these tips will be helpful for refinancing your home. Real estate is not a substitute for stocks but it plays a big part in your financial fitness.

1) CHECK YOUR CREDIT. Get a recent a copy of your credit report, especially your FICO score (the score lenders use to determine your interest rate). Check out www.myfico.com.

2) HOW MUCH HOME CAN YOU AFFORD? Start with your monthly payment and plug it into a mortgage calculator. (Great one on www.eloan.com: Affordability Calculator). This site tells you how much home you can afford assuming certain numbers. For example, if you make $6,000 per month before taxes, you can afford anywhere from $125,000 to $345,000 assuming $25,000 as a down payment. There are different choices with the actual monthly payments. If you don't have enough saved for a down payment, create a separate savings account and come up with a savings schedule. Only borrow what you can afford!!!

3) ORGANIZE YOUR DOCUMENTS. Get together the following documentation: past 3 years of tax returns, recent paychecks, bank statements, investment statements and all other financial statements.

4) WHICH MORTGAGE IS THE BEST FOR YOU? Understand the different mortgage options. Most are based on a 30-year amortization cycle: fixed-rate, adjustable and a hybrid. Hybrids are very popular now; fixed rate for a certain amount of time and then they adjust annually. Consider a 15- or 20-year fixed rate mortgage. The payments will be a bit higher, but you will end up paying much less interest over the course of the mortgage and be debt-free much sooner!

5) SHOULD YOU PAY POINTS? A point is equal to 1% of your loan amount. You pay a point to receive a lower interest rate on your loan. If you get a low enough rate, paying points can be worth it.

6) SHOP AROUND. Work with a mortgage broker or check out a few mortgage websites: www.e-loan.com, www.bankrate.com

7) PRE-APPROVAL 6 MONTHS BEFORE BUYING A HOME. Get pre-approved for a loan from the bank or your mortgage broker. It gets the process going faster and in a competitive market, it gives you the edge.

8) MINIMIZE YOUR DEBT. Avoid big-ticket purchases so not to add to your debt load.

9) SAVE MONEY ON TAXES. Points paid for a first-time home (not for refinancing) can be deducted in the year your home was closed.

10) BE CAREFUL OF COSTS. Don't ignore transaction costs and watch closing costs very carefully. There are also many hidden costs of home buying: moving, minor renovations (especially if you are buying an older home). Make sure you are prepared.

11) DIVERSIFY, DIVERSIFY, DIVERSIFY. Don't tie up all your assets in your home.

12) PAY YOUR MORTGAGE AUTOMATICALLY. Get it taken from bank account automatically every month. You don't ruin your credit and don't forget to pay every month on time.

13) REFINANCING? · Shop around for interest rates. · Start with the bank that currently holds your mortgage. It may give you a good deal just to keep your business. · Avoid paying points. When you refinance, you can deduct only a portion of the points each year, so it's usually not a good deal. · Don't try to outsmart the market and wait for interest rates to hit their low point. If the numbers make sense for you, go for it.

14) PMI INSURANCE. You will have to pay monthly PMI insurance if you put down a down-payment less than 20%. Once you are paying your mortgage for more than a year, ask your lender to reconsider.

15) BAD CREDIT? DON'T HAVE ENOUGH FOR A DOWN-PAYMENT? · You can use your investments or securities as collateral for buying a home. · Consider a low-documentation, no documentation or sub-prime mortgage. You will pay a higher interest rate but it will help build your credit and equity. · Also, check out these government agencies: · Freddie Mac www.freddiemac.com. · Fannie Mae www.fanniemae.com. · www.hud.gov/fha.

16) OTHER MORTGAGE OPTIONS: · Bi-weekly mortgages, · Customized mortgages ? usually offered by local banks, · Use investment portfolio as collateral and a smaller cash down-payment.

17) HOME INSPECTION. Have an inspection done by someone with accreditation (www.nahi.org).

18) REMODELING? If you remodel, be diligent about keeping records. The right improvements can decrease your taxable gains when you sell.

19) CAN'T AFFORD TO BUY NOW? But want to get into real estate? Check out REIT stocks or REIT mutual funds, www.investinreits.com.

Galia Gichon is the Founder of Down-to-Earth Finance, which offers Unbiased Financial Education. She has worked with thousands of people, has an MBA in Finance and over 13 years financial experience. Please visit http://www.downtoearthfinance.com. You can subscribe to her bi-monthly e-mail newsletter for tips to add fun to your finances, spending smarter and understanding investing at [email protected].

In The News:

How strategic personal finance management can help pick the most suitable investments for you  Economic TimesBeing in charge of our wealth is to stay focused on what we want our money to do for us and driving decisions in that direction in a disciplined manner.
Weekend catchup — this week’s personal finance headlines  Financial TimesUK grocery sales grew just 0.4 percentage points above inflation in the 12 weeks to December 2, compounding the misery for retailers ahead of the key ...
Here Are Our 2019 Work Resolutions  The SouthernPersonal improvement isn't just about going to the gym more or eating better.
Personal finance sentiment positive in UAE: study  Trade ArabiaThe majority in the UAE seems to have adopted healthy financial practices including timely payment of bills (75 per cent) as well as upfront payment or reduced ...
Personal finance wrap: Steps to create a viable long-term financial plan; How balanced is your mutual fund portfolio?  Moneycontrol.comThough financial planning may sound daunting to many people, it is not as difficult as it seems. The starting point is to know the steps one should take in creating ...
9 Best Budget Apps for Personal Finance in 2018  TheStreet.comTry these nine mobile budget apps to get your financial house in order....AAPL.
Personal Finances Are a Top Source of Stress for Americans  TheStreet.comAmericans are more stressed out than ever before, surveys show. And despite the robust GDP and jobs numbers, personal finances still rank as a top source of ...
John Ninfo: Should personal finance classes be required in high school?  MPNnow.comI was recently at a conference that was attended mostly by high school business, finance and economics teachers. As you might expect, during a break, the ...
Millennials And Money: How 2 Young Adults Are Figuring Out Personal Finance  WBURRebecca Boyle and Sam Giangrasso tell Here & Now's Peter O'Dowd they received two very different sets of lessons about money growing up.
Learning personal finance in a fun way  BusinessLineLearning Curve Academy targets to teach 50000 students.
This week in personal finance: Money lessons you should teach your children; how to choose a mutual fund category  Moneycontrol.comFinancial literacy at a young age would include learning basics of things like income, expenses and savings, insurance and its purpose and now money works ...
5 Ideas for Setting Clear and Effective Personal Finance Habits in 2019  U.S. News & World ReportIt's nearing the end of the year, and for many of Americans, that means it's time to start putting together New Year's resolutions. As many of us know from ...
TransUnion's Industry Insights Report  Independent OnlineDespite difficult economic conditions, serious delinquency rates for nearly all SA consumer credit products declined in the third quarter of 2018.
Personal finance paralysis leaves UK adults short of over £1,600 a year  This is MoneyNearly two in five Britons have experienced personal finance paralysis - the fear of making a bad personal finance decision - meaning it is put-off or often, not ...
What to do with your bonus  Independent OnlineThe “silly season” is characterised by spending: spending quality time with loved ones, and spending more money than usual.
This Trait Could Just Be The Key To Your Financial Success  ForbesFinancial services has made a concerted effort over the last couple of decades to engage women around money. While those efforts may sound egalitarian, ...
Kiplinger's Personal Finance: Workers can save more in retirement accounts next year  Richmond.comYou'll be able to contribute slightly more to your retirement savings in 2019.
The financial checklist for a returning NRI  Economic TimesWhile living far away in a strange country and in a different environment, home evokes nostalgia and warmth. However, the reality after one returns might be ...
The 16 Best Personal Finance Books to Read in 2019  ValuePenguinGet rich (or richer), save for retirement or climb out of debt with this year's must-read personal finance books.
10 most-read 'personal finance' articles of 2018  702Making ends meet, investments, property, debt, financial freedom… these were the very best "your money" articles of the year.
Is a property crash coming? We answer the 20 most pressing personal finance questions  The GuardianShould I buy travel insurance from Ryanair? How much money do I need to retire? And do shops have to accept Scottish banknotes? The Guardian's money ...
International Men`s Day 2018: Become crorepati! These personal finance `brahmashtras` will never let you go...  Zee BusinessInternational Men's Day 2018: All men want to become reasonably rich, or reach a state of financial wellbeing where they won't have to fear hardships of poverty.
From Salon Marketplace: This app streamlines your personal finance management  SalonCoinKeeper Platinum helps you manage your finances, set budgets, and more with a few taps on your smartphone.
Best Personal Finance Apps  Techtree.comManagement of money, being around a budget and even managing decisions related to investments is so must easier than before in today's world of budget ...
PERSONAL FINANCE: The three money mindsets  Daily NationMoney is made or lost in the mind. What goes on in our minds will reflect our actions. Those actions, done on a continuous basis, become our reality. There are ...
taxes: think before you drink the water  Independent OnlineI recently had the privilege of attending a tax conference in the Dominican Republic, writes Christopher Renwick.
9 Financial Tasks to Complete Before the New Year  U.S. News & World ReportMax out your 401(k) contributions, harvest losses from investments and check off these critical financial tasks to achieve your money goals in the new year.
Festive season financial hacks  IOLAdvice for South Africans who are gearing up for the 'silly season' spending frenzy.
The Four Horsemen Of The Personal Finance Apocalypse  ValueWalkThe Bible's Book of Revelations and our popular culture speak of the Four Horsemen of the Apocalypse: Pestilence, War, Famine and Death. Gratefully, for most ...
Personal finance 101 : Radio Times : Money  WHYYGuests: Helaine Olen, Kristin Wong. Do you have a budget, track your spending, carry too much debt, save for retirement? Many Americans don't do any of those ...
Don’t burn your money on these three stocks  Daily NationPlanning to trade shares next year? Here are the companies to avoid.
House Democrats to seek Donald Trump's tax returns  Independent OnlineNancy Pelosi said that members of congress from her party will seek to obtain President Donald Trump's tax returns.
3 tips for single female home buyers  Independent OnlineHere are three financial tips for prospective home buyers. (Note: these apply to single men, too.)
Things you need to unlearn about managing investments  Moneycontrol.comIn this post, we touch upon financial notions that slow down people's financial journeys.
2018/19 Personal Finance Awards – Winners Announced!  The Money PagesThe votes have been counted and the results are in! Here are your winners for The Money Pages' 21st annual Personal Finance Awards, celebrating the best ...
What if today’s economy is as good as it gets for your personal finances?  The Globe and MailIt's not too soon to start preparing for the next economic downturn. Shrink your debts, build savings and avoid new entanglements that will place additional strain ...
How to fire up your retirement  Independent OnlineMarwan Abrahams, Executive General Manager at Old Mutual Personal Finance shares tips on how to save for retirement.
Free Personal Finance Apps You Can Take to the Bank  LinuxInsider.comToday's Linux platform accommodates a number of really good financial applications that are more than capable of handling both personal and small-business ...
KMyMoney: Personal Finance Manager software for Windows PC  TWCN Tech NewsKMyMoney is a free software for Windows which helps you track your finance without any accounting degree. What makes KMyMoney different is its user-friendly ...
Creating harmony between spenders and savers  Independent OnlineYou're a spender. Your partner's a saver. If your “match made in heaven” had a critical stress node, this would be it. To add insult to injury, it's the holidays and ...
6 Benefits Today's Workers Expect | Smart Change: Personal Finance | journaltimes.com  Journal TimesIn today's healthy job market, attracting and retaining talent is easier said than done. As an employer, however, you're no doubt aware that replacing valuable ...
A strong woman for MMI is Jeanette Marais  Independent OnlineIt's come full circle for Jeanette Marais, MMI's deputy CEO, who's headed back to where it all started for her.
Interview: Can Suryoday Small Finance Bank sustain its 9% FD rate?  Moneycontrol.comR Baskar Babu, MD & CEO of Suryoday Small Finance Bank (SSFB), talks about the bank's nearly two-year journey, challenges and opportunities for small ...
The role psychology plays in personal finance  CNBCTV18Every person who is investing, tends to think that they are rational investors. They say that they carefully evaluate options, weigh the pros and cons and then take ...
Personal Finance Show: FTSE 100 vs Brexit and selling US stocks  Investors ChronicleIn this week's Personal Finance Show podcast, the team are joined by Peter Elston, chief investment officer at Seneca Investment Managers, and Dave Baxter, ...
Money saving tips for financial success in 2019  Independent OnlineWith the excesses of festive season spending behind you, the New Year represents the perfect opportunity to whip your finances back into shape.
ATU makes personal finance curriculum available to Arkansas high school  Harrison DailyNASHVILLE, Tenn. —Arkansas Tech University (ATU) is sponsoring Ramsey Solutions' Foundations in Personal Finance curriculum to high schools across ...
Home truths about dealing with money from childhoods gone by  Independent.ieChildhood is often the time that we learn valuable lessons about money - or where we get the grounding to manage life's financial challenges. More often than ...
Indians' individual wealth grew 14% in FY18 boosted by financial assets: Karvy  Moneycontrol.comThe higher income levels of millennials have led to increased household savings which is making their way to the financial assets through mutual fund route.
A financial plan must be a living document  Independent OnlineWhile it is not always possible to predict what the local and global economies will serve up in 2019, good financial planning will help.
Here's why your bond is a good 'investment'  Independent OnlineOne of the best “investments” open to ordinary consumers at the moment is just paying off the bond on their own home or an investment property.
Rogers sells personal finance site MoneySense to Ratehub  BNNBloomberg.caTORONTO -- The MoneySense personal finance website has been sold by Rogers Media to Ratehub Inc., for an undisclosed amount. Ratehub is a ...
OPINION: The year is ending on a sour note  Independent OnlineHopes of a pre-Christmas rally on global equity markets were dashed last week. The optimism around a thawing in US-China trade relations following the G20 ...
Johnnie St. Vrain: Kids today learn plenty about personal finance  Longmont Times-CallDear Johnnie St. Vrain: Financial education is important. What do St. Vrain schools teach students about how to make, use and keep money?
OPINION: Yep, Bitcoin was a bubble. And it popped  Independent OnlineIt seems like every asset bubble has a famous anecdote of someone claiming, right at the top, that a crash is impossible. In the stock-market bubble leading up to ...
Personal Finance: Zero percent auto loans make a brief comeback  Chattanooga Times Free PressU.S. auto dealers deploy an array of incentives to boost sales during certain months of the year. One spiff coveted by car buyers is the availability of zero-interest ...
Personal Finance Show: Yield curves, equities and picking small caps  Investors ChronicleIn this week's Personal Finance Show, the team discuss how politics and central banks dominated the news agenda this week, and how bizarre comments from ...
Financial deadlines in 2019 you need to know about  Economic TimesHere are some of the important financial deadlines you need to know about in 2019. Not meeting some of these could lead to substantial financial hardships. 1.
Peter Bethlenfalvy: Personal finance lessons should apply to public spending  Ottawa CitizenLast month, I said that fixing Ontario's balance sheet is what keeps me up at night. After 15 years of Liberal mismanagement, our government is working hard to ...
Avoid these 7 mistakes while dealing with your financial advisor  Moneycontrol.comGood advisors are better used for creating financial plans and may not be the right fit of you if you only want to use them for picking stocks.
T-Mobile Getting Back into Personal Finance with Digital Checking Account  ECNmag.comT-Mobile is launching a digital checking account *service*, T-Mobile Money, which promises no fees and extra perks for the carrier's wireless customers.
4 Ways to Improve Personal Finance - Internet  BizReportWhether it's to pay off bills, cover a major expense or something else, sometimes, you need money quickly.
Five reasons to beware of autopaying bills  Independent OnlineAutopaying bills is a no-brainer. You are never late with a payment, and you do not have to spend all that time going through stacks of bills, filling out checks, ...
Steps to create a successful long-term financial plan  Moneycontrol.comTo identify the fund's suitability and the percentage allocation to each category and fund, it is really important to identify the risk profile and financial goals of the ...
What the World’s Most Enraging Personal Finance Diary Tells Us About Capitalism  SlateEarlier this month, the in-house magazine at Wealthsimple, a Canadian online investment manager, published an article titled “Debt: A Love Story.” It featured an ...
Alternative investment returns monitor for the week ending 12 December  Economic TimesThe scope and attractiveness of alternative investments is increasing. Heres a weekly tracker of returns from such investments.
What you need to know about the global economy  Independent OnlineAs an investor, it pays to filter out the noise, which may lure you into making hasty decisions, while keeping an eye on the investment horizon.
Travel insurance, investing and bargain hunting: In Personal Finance this week  News24In personal finance this week: Five reasons to read the small print on travel insurance: The summer holidays are upon us, and for those lucky enough to travel, ...
No need to buy multiple personal accident insurance covers now  Moneycontrol.comEffective 1 January 2019, IRDAI unbundles third party insurance covers and segregates personal accident cover.
Liam Dann: The bull market is dead, the stockmarket party is over  New Zealand HeraldCOMMENT: The bull market is dead. As *fresh* falls this morning take the NZX-50's returns for 2018 below four per cent, it's time to recognise the decade-long ...
6 Tips to Get Your 2019 Financial House in Order  Kiplinger's Personal FinanceMake a New Year's date to talk finances. The planning you do on Jan. 1 can pay off all year long.
Africa's pension challenge  Independent OnlineAfric's youthful population and growing middle class are generally considered positive investment themes for the continent, but will African pension systems be ...
Lying about your finances with your partner can cost couples $53,000  PerthNowDISHONEST lovers are keeping their finances secret and it could be hitting their hip pockets hard. This is why all your financial secrets need to be revealed.
The high five of estate planning for the wealthy  Independent OnlineThe top 3 risks to long-term family wealth are family disputes or break-ups, lack of planning and the failure to engage the next generation.
Charlie Weston: 'Insurers should note that more discerning purchasers of health cover have emerged'  Independent.iePeople with health insurance are becoming more discerning about the cover they have, with many now reviewing their policies on an annual basis. Consumers ...
First steps towards a life of giving back  Independent OnlineHere is some good news to hold onto this holiday season: People are giving more than ever.
3 tips on how to stretch your festive budget  Independent OnlineWe all dream of the festive season being a magical time – although sometimes that magic seems to run out early. But there are ways to be smart.
Phishing Attacks: Don't take the bait  IOLPhishing attacks thrive during the holiday season. Here's how you can stay safe.
Alberta couple with three homes needs to simplify their finances before retirement  Financial PostSam and Frances have a solid net worth and an abundance of assets making their finances too complex to manage once they quit working.
Scott Burns: At 78, life is still worth living  Dallas NewsThere's a sign in Colorado. It reads: "Despite the High Cost of Living, It Remains Popular." I couldn't agree more. It's quite popular with me, despite turning 78 ...
Revealed: Ireland's most expensive markets as home values increase by €92k in five years  Independent.ieAverage values of homes in Ireland have increased by €92000 in five years, according to a survey of the country's residential property wealth.
Travel insurance should be your top priority  Independent OnlineTravel risks are increasing year-on-year, making it increasingly important that leisure travellers take travel insurance when they go on holiday.
Great tips for retirees  Independent OnlineFund management company Marriott, which also specialises in income-producing investments, has two suggestions for retired investors.
The Funded: Personal finance chatbot funded, A10 Networks explores sale  Silicon Valley Business JournalA small funding, a potential M&A deal, and a new job at Andreessen Horowitz for Mike Lempres, the former mayor of Atherton, tops Bay Area startup and venture ...
Retire with investments that put yield first  Independent OnlineFor most of our working lives, we invest to accumulate wealth, typically in retirement funds and in discretionary investments.
Personal finance class hosts school-wide career fair  The Hillsdale Daily NewsWALDRON — The personal finance class at Waldron Area Schools hosted a school-wide career fair Thursday afternoon.The event sprawled the main area of ...
Relief for home loan customers; loans to become more transparent  Moneycontrol.comRBI has suggested use of external benchmarks such as the repo rate, 91-day Treasury bill yield or the 182-day Treasury bill yield produced by Financial ...
'Don't spend a tenner when you only have a fiver'  Independent.ieAuthor Fionnuala Kearney lives with her husband in Ascot, just outside London. The couple have two grown-up daughters. Kearney was born in Cork and grew ...
How to enable your business survive an economic storm  Business DailyA great sailor is made in calm, not turbulent waters. This applies to life as much as business. An entrepreneur organises, manages and assumes the risk of an ...
NZ's least trusted financial services sector  New Zealand HeraldPeople who have KiwiSaver or life insurance trust their providers the least when it comes to meeting their needs, research by the market regulator shows.
'Unfair' Sars penalty regime under fire  Independent OnlineThe South African Institute of Tax Professionals has submitted several proposals to ensure fairness in the treatment of taxpayers by the taxman.
Ireland may get hit with bill for Danish insurer's collapse  Independent.ieThe Insurance Compensation Fund in this country could be forced to pay the outstanding claims of policyholders here from the collapsed Danish insurer Qudos.
Your Money: Festive gifts that keep on giving  Independent.ieIt's the laziest of gifts, but for the last-minute shopper, or that difficult person to buy for, you can't beat a voucher. But consider other gifts which don't involve a ...
How to comply with the new National Minimum Wage  Independent OnlineThe National Minimum Wage will become effective on January 1, 2019. This means that you need to standardise the amount you pay your workers.
7 reasons why personal loans have become popular  DailyOThere has been a tremendous growth in the Indian economy in the last couple of years. The benefits of this growth have extended to the personal finance sector ...
Canadians’ household debt burden creeps higher  Financial PostWe owe nearly $1.78 in credit market debt to every $1 disposable income.
The Future of Personal Financial Management Apps | Bank Innovation  bankinnovation.netBank Innovation and its sister accelerator INV Fintech are holding a meetup next week on the topic, "The Future of Next Generation PFMs." During this meetup,
Insurance products that every person should have in their financial portfolio  Moneycontrol.comTo minimise the risk of financial loss, your insurance cover should offer protection for not only your possessions, income but also, for the loved ones.
How divorce hits finances  Times of IndiaPersonal Finance News: Separating emotions from money matters can help rebuild your financial life faster.
Homeowners here still paying more for mortgages than other countries in euro area  Independent.ieHomeowners here continue to pay more than the typical cost for a mortgage in the other countries in the euro area.

Banks Are More Than Just A Place To Park Your Money

If you've been to a shopping mall lately, you've probably... Read More

Improving Your Financial Position

If you want money you need to learn how to... Read More

Save On Food - Ten Tips

To save on food, be an opportunist. Buy what you... Read More

Portfolio Planning can Lead to Irreconcilable Differences

The judge had to ask the question, and we had... Read More

Basic Bank Accounts Failing the Basic Needs of Consumers

The lists of bank and savings accounts that are available... Read More

How To Get Ahead On A Low Income

Do you struggle from week to week trying to make... Read More

Budgeting Made Easy

Well, dang! From what I've heard and read, it looks... Read More

How to Obtain a Non ChexSystems Bank Account Without Being Scammed

Predatory lending exists in the mortgage industry. It's typically when... Read More

Money Matters: Strengthen Your Marriage by Putting Finances in Order

Did you know that 43% of all married couples argue... Read More

10 Money-Saving Tips

1. If you have your haircut every 3 weeks, try... Read More

Budgeting Tips to Save Real Money

Sticking to a budget can be difficult, but with so... Read More

First Checking Account ? When is it Time?

We all know that money doesn't grow on trees, but... Read More

UK Parents Inactivity Harming Their Children?s Future University and Mortgage Savings

The British government at the beginning of this year officially... Read More

Is There A Retirement Crisis?

When people speak about the increasing age expectancies, they generally... Read More

How to Save for A Down Payment

Saving for a Down Payment is hard work, so it's... Read More

Save Money Off Your Home Utility Bills

Many don't realize that our basic utility bills provide the... Read More

Retirement Income Needs---Less Than You Think?

It is widely written that you need 75% of your... Read More

Accessing Funds You Never Knew You Had- Household Utilities and Mortgage Expense Reduction Plan

For most of us the process of getting out of... Read More

I Want to Buy a Home - Now What?

If you were to ask 100 women "What would you... Read More

Introduction to Australian Superannuation

Australians, in general, constitute some of the worst savers in... Read More

Personal Loans For Homeowners ? One Of The Numerous Rewards For Being A Homeowner

You no longer look at the pictures of homes cause... Read More

Tips To Save Money At The Supermarket

Are you interested in saving money off your grocery bills?... Read More

Why Live Frugally

What is it about being frugal, why do it at... Read More

Are You Sick of the Financial Insecurity of Fluctuating Seasons and Income?

Finding a stable and secure income that will come year... Read More

Resources to Help You Learn About and Protect Yourself from Identity Theft

There is a new bill that is being passes, it... Read More