Personal Finances | Planning

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Personal Finances | Planning

Plan Your Financial Future Now

making a budgetThe best way to prepare for your financial future is to have a budget that you can follow and adjust as you work through each month. There are many doable ways to put together a budget, but all entail gathering the best information you can from your past financial records.

Using Past Expense to Predict Future Expenses

Both checking accounts and credit card records provide a good place to start. For most families, housing expense is the largest and most important expenditure. These expenses include mortgage or rent, utilities, taxes, insurance, and maintenance.

Jun 20, 2022
Escape to Costa Rica
Hotel Discounts in this sub-tropical nation.
Costa Rica has always been a favorite for those seeking a vacation off the beaten track. Many visitors have established second homes in this friendly country that has coasts on both the Atlantic and Pacific Oceans.
Now, with special hotel discounts being offered, this tropical paradise is even more affordable. More info...

Jun 18, 2022
Shopping for a Mortgage Today
Shop for your mortgage before you shop for your house
Buying a house today may mean competing against other buyers to get your offer accepted. The best way to put your offer on top of the stack is to pay cash or present a pre approved mortgage letter from a reputable lender. Get your pre approval now and avoid disappointment. More info...

Jun 12, 2022
Mortgage Calculators
Best Mortgage Calculator
Calculate your mortgage payment the easy way, using a free mortgage calculator. You can find the information you are looking for and run several scenarios to see your payments with a 15 or 30 year fixed rate loan or one year or 5 year adjustable rate loan. More info...

Jun 10, 2022
Mortgage Rates Rise Again
Federal Reserve Indicates Higher Rates
The Federal Reserve is getting more concerned about price hikes and wage increases beginning a new round of inflation. Their response has been to raise interest rates again. That means mortgage rates will rise and homeowners will lose the benefits of refinancing to a lower interest rate loan. Or new homebuyers will be caught with rising interest rates and rising costs of homes. Make your move now and get qualified for a purchase mortgage or for a refinance mortgage. More info...

Jun 10, 2022
Construction Loan Draw Schedule
Loan Disbursements From Lenders During Construction
It is always a good idea to get a construction loan from a construction loan lender that will disburse the funds to the builder rather than you as the borrower. This assigns the responsibility for the disbursement of funds to the lender and assures professional inspections as the construction progresses. More info...

Jun 10, 2022
Fixer Upper Houses
Is the Fixer-Upper Life Right for You?
The TV show follows the adventures of hearty souls who purchase property for the sole intent of fixing it up and selling it as soon as possible. Sounds great, but viewers need to be aware that flip this house is easier said than done. First, you need money. Not every bank has the expertise to successfully underwrite fixer upper loans and it generally a better to seek out a lender that has funded many of these loans.
Use this link for a construction loan application for a fixer upper project.
More info...

Jun 8, 2022
RV Rentals
Book Your RV Now
Join the RV movement. By renting an RV, the whole family can travel safely and enjoy a new adventure. There are RVs of every size and budget and you can book safely through RVShare where you can search among thousands of available RVs. You can even have the RV delivered and set up at your destination RV park. More info...

May 20, 2022
Best Credit Cards for Rewards
Use Cash Rewards for Anything
Credit Cards as Financial Tools
Credit card companies include Chase, Bank of America, Wells Fargo, Citi, Capital One, and HSBC. You can choose the best card for you in terms of cash rewards and 0% interest. More info...

Money Smart News Continued...


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