Staying on top of your bills is extremely important. Aside from helping you to avoid accumulating debt and overdue bills, properly managing what you owe has consequences on your credit rating. Many people find this difficult, which is understandable when you have bills coming in from all different directions at all different times! A great …
by Elaine Hiro Living in a mountain of debt can be a huge struggle, especially if you are required to pay off a large debt in a short time on top of your basic necessities – like food, child care, gas, and utilities. It’s a disastrous recipe for missing payments, and it won’t be long before intimidating calls …
by Total According to the National Institute of Economic Research, exploding debt mountains have caused stress and anxiety among people in the United States. American citizens are unable to pay off their national debt, on average, at about $1,000 a month, or $3,500 a year. Nonprofit counseling services typically offer debt consolidation programs for people with debt …
by Total What Is Debt Consolidation? As of 2018, nearly 80% of Americans, across all generational demographics, carry some type of debt. Whether that debt comes from student loans, mortgages, credit card debt, auto loans or medical debt, more Americans are looking for ways to reduce their debt. Many debt-holders may have come across the suggestion to …
by rmi 
Are you living with debt problems? Are you a procrastinator? You’re not alone. Despite recent upticks in the economy, Americans are more in debt than ever.
by rmi 
Move-in Ready Homes There are two main reasons you’d need to buy a place that is ready for you to move in. FHA (Federal Housing Administration) loan restrictions Basically, you can’t buy a true fixer-upper with an FHA loan. There are provisions that exist to protect buyers — this means under an FHA loan, you …
by rmi 
Home equity is the amount that your home is worth minus any outstanding mortgage loan balances. For example, if you purchase a home valued at $200,000 with a $150,000 mortgage, you have $50,000 equity in your home. Your home equity will most likely grow over time as the value of your home increases and as your loans are paid down or reduced.
by rmi 
Most credit cards make you pay a minimum payment every month to keep your payment schedule current. This minimum is typically an amount based on a percentage of your balance but can be a fixed amount. If your wallet is tight, it can be tempting to only pay the minimum.
by rmi 
Whether it’s your first time on your own or you want to make the switch from renting an apartment to owning your own home, housing decisions can seem both exciting and intimidating. The best way to make your dreams come true is through research of your needs and understanding of where you stand with your budget and own future plans.
by rmi With the arrival of March comes springtime, bringing with it warmer temperatures, greener lawns and lots of color to the outdoors. At this time of year, nature beckons to families who have been cooped up in the cold to reconnect with one another in the sunshine. Lots of springtime traditions provide you with fun family …
by rmi