9 Things You Should Never Put on a Debit Card
Use your debit card for one of these expenses, and you could risk more than you realize.
Use your debit card for one of these expenses, and you could risk more than you realize.
For many, college is a door to a prosperous future, and it elevates feelings of excitement and brings a taste of freedom. Itâs a younger studentâs chance to become an adult, learning both life and book smarts. Itâs an older studentâs opportunity to broaden their horizons and grow their passion or career. For whoever is
The post How to Save for College: The Ultimate Guide for Parents and Students appeared first on MintLife Blog.
If you reside in Arkansas or a nearby state, chances are youâve heard of Arvest Central Mortgage. Or perhaps you already have a checking or savings account with their parent company Arvest Bank, the oldest in the state. You may have also heard that the bank is owned by the Walton family, which incidentally owns… Read More »Arvest Central Mortgage Review: the Top Mortgage Lender in the State of Arkansas
The post Arvest Central Mortgage Review: the Top Mortgage Lender in the State of Arkansas appeared first on The Truth About Mortgage.
The economy is still in the doldrums, but one of the side effects has been that the rates on home mortgages are at their lowest levels ever. Last week 30 year fixed mortgages reached historic lows when they breached an average of 3.53%. Not only that, but 15 year fixed mortgages averaged only 2.83%! From […]
The post 4 Reasons Why You Might Have Problems Buying A House Despite Low Rates appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.
If you’re ready to account for where every cent of your money goes, You Need a Budget could work for you. The app is based on the premise of “giving every dollar a job,” meaning you budget for every expense — fixed, discretionary or otherwise. Want to buy a new purse or pair of shoes? If your monthly clothing budget is $100, then you may not be able to afford it this month. Friends want to double date at that trendy new Italian restaurant? It may not be in your $200 dining out budget.
The app makes budgeting straightforward, allowing you to see how much over or under you are for a particular line item. But it’s best for people who want to get serious about how much they actual spend and where they may need to make sacrifices to achieve a larger goal.
Zero-based budgeting is tough, but I can see its value. You have to account for every dollar coming in, either using it to cover monthly household expenses, pay off debt, for dining out and for what YNAB calls “quality of life” expenses like vacation. During this process, I realized that I’m not as good a budgeter as I thought. I do a good job of tracking our spending after the fact, but I could improve when it comes to setting aside money for specific purposes — basically being more financially proactive. For example, before using this app, I had no idea how much my husband and I spent each month dining out and we never really set aside a specific amount for this purpose. It was more like “we’ll eat out no more than two times a week.” I also had no gauge of my own discretionary spending, since this money comes out of my personal account. Using the tool allowed me to see that we spend less than $200 a month eating out, but that I need to keep a better eye on my discretionary spending for things like beauty and hair products and anything from Amazon.com (Amazon Prime admittedly has turned me into a shopping junkie). We plan to buy a house within a few years, so YNAB allowed me to see that these are two areas where we (or I) could curb spending and put that additional money toward a down payment. Actually seeing the budget also showed me that we could be saving more. We have more cushion than we need in our account for household expenses, so it might be better to put more of that money toward retirement or paying down my student loans.
Twine is a saving and investing app for couples who want to work towards joint financial goals, together. A full review of the Twine and how it works.
The post Twine Savings App Review: Invest And Save Together appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.
Learn how to make smart money decisions with a margin account. Understand what it is, how to open one, and how to use it wisely.Learn how to make smart money decisions with a margin account. Understand what it is, how to open one, and how to use it wisely.
The post What Is a Margin Account? Learn How to Use It Wisely appeared first on Money Under 30.
JVM Lending trains all its licensed employees to take specific roles in closing loans, plan to diversify into investment properties.
Did you know, most universities are brimming with free financial resources for students – all you need to know is where to look. Here are a few options.
The post Where to Find Free Financial Resources in College appeared first on MintLife Blog.