2012 Archives

9 Year Mortgage on Renting out Spare Rooms

More often than not in today`s society, more homeowners are taking in lodgers and renting out rooms to make some extra money then one might expect. However, there are some potential problems with renting a space that a person should consider before doing so. 9 Year Mortgage has some advice on how to avoid these things and make an investment through renting out an extra room.

In the 1800s and even early 1900s it was a very common thing to have boarders in ones home. Many middle class families with extra space would rent out to make extra cash and make payments easier as well as financial responsibilities. This trend is coming back in as many American families now are starting to do the same. There are great benefits to renting out unused space. According to the Census Bureau states that unrelated adults living in anthers home jumped 12% since 2008 and in 2010 there were 7.3 million people doing this.

Why are there so many boarders in the United States these days? That is a valid question; with today’s uncertain economy and high unemployment rates, more people are delaying buying homes of their own, for these same reasons, those that have homes are starting to offer their open space to those who will pay per month to live with them which helps everyone in the long run.

For couples nearing retirement you may want to start thinking of a strategy to help you meet your financial goals, while still having the ability to travel along as you are crossing things off of your long- awaited wish list. 9 Year Mortgage can help you get there.

If you’re having a hard time imagining yourself for the next 30 years with the same job, and in the same financial position that you are in now then it’s time to make some changes. Here are some ways to cut costs and fast forward your retirement options.

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9 year mortgage budget

Do you begin your new year with a new budget and optimism towards your finances… only to reach December right back where you started? Some quick and easy (but different than in the past) approaches can change your entire outlook on the budgeting dilemma. 9 year mortgage has some advice that will ensure you don’t disappoint yourself this year.
Smiling While Saving With 9 Year Mortgage
Did you begin your New Year with the optimism of a new budget towards your finances… only to reach December right back where you started? Some quick and easy (but different than in the past) approaches can change your entire outlook on the budgeting dilemma. 9 year mortgage has some advice that will ensure you don’t disappoint yourself this year.

9 year mortgage cart money

9 Year Mortgage Shares 5 HORRIBLE HABITS To Conquer
Hearing the words “debt addiction” may sound like a joke given that addictions are commonly associated with food, drinking, and drugs but it is an issue that is rising in America and across the world that should be addressed. 9 Year Mortgage is here to help with 5 horrible habits that you can overcome before it develops into a bigger issue.

9 Year Mortgage couple

9 Year Mortgage recognizes that financial issues are the most common reason for divorce in the United States of America and would like to step in and make a few suggestions. Yes adultery, abuse, addiction, those are also reasons for divorce but the standing highest explanation and root of the separation is money. Communication and understanding should always be implemented into the conversation with a loved one while discussing finances. For example do not overlook the fact that you both grew up in very different homes therefore you have learned different budgeting and saving strategies from your parents. Here are a few pieces of advice that can help you and your spouse from allowing your finances to get the better of your relationship.

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9 Year Mortgage Baby

The joy of expecting a new edition to your family is astounding! What will he or she sound like? Will I see my eyes when I look at my baby, or will I see my husband’s chin? The moments after you find out this spectacular news your mind reels at what lies ahead with your little infant. You imagine a nursery full of books, colorful toys and soft blankets along with a rocking chair in a cozy corner just for you to hold and admire your new little angel. Having a baby is a remarkable experience and should be well thought out… this includes budgeting for your expanding family! You have an estimated nine months to plan and prepare, maybe less! 9 Year Mortgage is here to assist you in beginning on the right path to your new baby budget.

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So you’re finally at that age where you can retire, but the question is, can you? Most rush to leave the workforce, in years past up to half of retirees left their jobs by the age of 63. Because really, who wants to wait? You’ve been planning and saving and scraping for your retirement fund and now it’s finally time for you to relax and for all of that hard work to pay off. That is, if you did save and scrape and plan. A rising number of individuals in America now state that they do not feel confident that they will be able to retire by the age of 60; in fact only 13% of American employees feel confident that they will be able to live comfortably on their retirement fund. The financial doubt even reaches out to those who are already retired; over 70% have expressed worry that they do not have sufficient funds to support themselves for the rest of their retirement.
These days it isn’t simple to retire by any means but there are ways for you to get back on track with your plan. 9 Year Mortgage is here to help you take the first few steps towards the financial stability you deserve. Let’s take a look at some helpful advice and ideas to help you get to where you need to be.

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9 Year Mortgageg - Credit Card

In cultivating your credit score flawlessly I’m sure you’re the type of person who pays on time, and never leaves an outstanding balance, am I right? In your mind you’re golden! …Or are you. This may come as a surprise but these are not the key components to a superb credit score. Many consumers like you are unaware of what makes their credit scores move up and down.
Obviously you understand that the money that you spend and pay off per month in relation to your available credit effects your score but what you may not have realized is that they calculate your score from your total on your statement date and not the due date. You could have a balance that you don’t even know about which in turn hurts your credit, all the while you are unaware.

Here’s a little advice from 9 Year Mortgage on how to revamp your credit scores to what you want them to be while avoiding making those small decisions that can hurt big time.

9 Year Mortgage Suggests Four Ways to Increase Your Retirement Income Whether you want to work or have to work, there are many options available to help you earn extra income in retirement. Most retirees have years of work experience that can benefit employers, and many have the skills needed to start their own business […]

If you plan on doing some spring cleaning this month, don’t neglect your finances! 9 Year Mortgage suggests 4 steps to help you get organized. 1. De-clutter: After a long winter, there’s a good chance you have some papers piled up, so take this chance to get organized.  Collect all of your bills, receipts, stubs, […]

If you often find yourself indulging in ‘retail therapy’ or racking up credit card rewards, you could be fueling a dangerous habit. Credit card debt continues to be a huge problem for the average American, yet many are still living a lifestyle that supports a costly debt habit. 9 Year Mortgage suggests looking at your spending habits, and avoiding these seven bad habits that could be fueling your debt addiction.

6 tricks from 9 Year Mortgage on finding cheaper Summer is around the corner, and travel plans are being made. In these hard economic times it can be difficult to plan a vacation that won’t break the bank. It’s tempting to purchase inexpensive vacation packages, such as the ones offered by Groupon or discount travel […]

9 Year Mortgage Shares The 6 Biggest Credit Card Mistakes you Should Avoid There’s a good chance that most of us have made at least one of these credit card no-no’s but, Nine Year Mortgage advises that you avoid making any of these mistakes in order to protect your credit score. 1. Paying your bill […]

Four Simple Ways You Can Begin Saving with 9 Year Mortgage
At 9 Year Mortgage we understand, saving money doesn’t come as easy as spending. It is difficult to put money away for a rainy day when finances are tight to begin with. Saving may not give you the instant gratification that purchasing new items will but, in the long run you’ll feel a lot of satisfaction watching your savings grow.

Nine Year Mortgage - Bouqet

In the middle of financial uncertainty, 9 Year Mortgage understands that a large event such as a wedding may seem impossible to pull off; as a parent paying for an event like a wedding for your child can be a heavy burden. A memorable wedding can still take place even when you and your child are on a tight budget. Encourage the bride and groom to down size the stress and money are sure to be significantly reduced as they do so. The money that you could spent on a lavish wedding could then be used towards buying the couple’s first home or paying down existing debts instead of hurting your finances.

Nine Year Mortgage Wedding rings and money

9 Year Mortgage Advice for Newlyweds- The 5 Biggest Financial Mistakes Couples Make

It’s wedding season, and while finances may not be the most romantic thing to talk about, having this talk is an essential part of avoiding financial mistakes. Since finances can be a source of conflict in marriage, 9 Year Mortgage suggests talking about your financial situations before tying the knot, which will help you avoid making these 5 mistakes.

Nine year Mortgage Learn Money Smarts

 9 Year Mortgage Advice: Teaching Financial Responsibility to Children The last thing you want as a parent is to see your child grow up to struggle with financial problems and debt like the hundreds of thousands of Americans who currently are.  9 Year Mortgage has 5 suggestions for teaching your children how to be money-smart. […]

9 Year Mortgage – Helping Your Grad Reduce their Debt Thousands of college students are graduating this month, and a lot of them have a substantial amount of debt to deal with. The poor economy means job prospects are few and far between, and recent grads are finding themselves unemployed or underemployed. Finances can be […]

 9 Year Mortgage discusses how to balance financial obligations in marriage Despite most relationships having a primary breadwinner it is still wise to develop both partner’s credit history and financial security. In many situations women make less in the work place than men and become stay at home moms when the couple begins having children. […]

9 Year Mortgage Recommends 6 Ways to Save on Your Summer Vacation

The kids will soon be out of school, temperatures are rising, and there are just a few more days until it’s officially summer. If you are planning on taking a summer trip it can be challenging to stay on a budget- especially with the price of. 9 Year Mortgage has a few suggestions to save some money on your vacation.

Being savvy about food expenses will save you a large amount of money over time; one way that 9 Year Mortgage recommends you do this is using your freezer as much as possible. Freezing food will ensure you always have something on hand to cook, and allows you to make the most of sales and typically without affecting your electricity cost all that much.