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Use Technology to Track Spending Easily

In today’s economic struggle, 9 Year Mortgage realizes that not only is the American economy struggling, but so are its people. Financially we are having a tough time and many are unsure of what to do. Recently 9 Year Mortgage has come across mint.com, a website that may help you to better plan your finances as well as track your spending. Keep reading to find out what 9 Year Mortgage has discovered about mint.com and what it offers to those who sign up for its free services.

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Simple Debt Reducing Tips

9 Year Mortgage knows it’s no secret that most Americans are struggling with their debt. Our country is in a down economy and we as citizens are scraping to make ends meet. There are many great ideas out there on how to reduce your debt, but after reading about how to do it, do you feel drained and overwhelmed? Are the debt reducing strategies more time consuming or involved than you had hoped for? Many times they are, leaving you where you were before- still in need of a solution.

We understand this is a problem and concern, so 9 Year Mortgage has compiled a list of simple things you can do that will help you save money and start to pay down some of your existing debt. These tips are simple and easy to complete! Pick a few that you feel you can conquer this month and actually do them! Take baby steps and you’ll be fine!

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Buy Silver – Invest InYour Future

If you had been on the ball right when the market crashed in 2008, you could have bought silver around $9 an ounce. Now, 2.5 years later (April 2011) silver has shot to over $40 an ounce! So if you had started to invest when the market was at its lowest, you could have quadrupled your money by now! That is only 2.5 years of investing for what would normally take you decades to accomplish through interest given to you by the bank!

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Get Out of Debt More Quickly

9 Year Mortgage realizes that credit card debt can be a heavy burden on even the strongest shoulders. It piles up day after day almost imperceptibly! After a few years you find it hard to make anything more than the minimum payment. All the while you hate seeing that the interest is racking up, leaving you feeling financially depleted—like there is nothing you can do to get back on top again.

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Family Spending – How much is too much? PART 2: The Solution

What teenager does not have a cell phone these days? Teens use their phones to download music, access email, and to send endless text messages to the world. To cut back on costs, suggest to your children that you will pay the basics of their plan, but they are on their own for the rest of the bill. Kids will be a lot more responsible with their phone if they know they will have to pay for overage charges, ring tones, and exceeding their texting limit.

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Family Spending – How much is too much? PART 1: The Problem

Have you noticed how many children in middle school have cell phones, and how this trend is trickling down to elementary aged kids too? By chance have you noticed the child in the store holding his mom’s iTouch and playing Angry Birds to pass the time? How about a teen glued to their TV, lap top, or gaming system? Ever seen one of them totally zoned out while walking with their ear buds in and their cell phone glued to their thumb? This is what 9 Year Mortgage calls talented multitasking! Now, have you ever shook your head at any of these scenarios and questioned what the parents were thinking?

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Thinking of Retiring? Think Again.

Many people have diligently put their money away into their 401(k) plan’s for years in hopes to have a comfy retirement. In the recent years, people’s perfect plans have turned out to be their greatest concern. The once glorified perception of care-free retirement years is now plagued with the stark reality that their retirement accounts will simply not satisfy their standard of living, or their long hoped for financially stable future.

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Ways to Guard Against ID Theft

When we think of identity theft, we most commonly think of a wealthy person who has had massive amounts of money stolen from them. While this does happen, most of the time the average American is the one who is most at risk of having their identity stolen. Every 3 seconds someones identity is stolen, making 1 in 6 Americans victims of identity theft each year. So, we are an easier target than you might think.

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Questions to Ask “The One”

If you are thinking of tying the knot with “The One,” then 9 Year Mortgage suggests that you first learn how they feel about finances. This may potentially be an awkward conversation, but it will help you form a much more solid foundation when it comes to your financial future together. 9 Year Mortgage has compiled a list of questions that you can ask your partner to instigate a conversation.

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Saving Options for Your Little One’s Financial Future

In this article, Nine Year Mortgage will share a few options that you have in helping your children start saving for their future education. We all know that education is widely thought of as a key to our future success. In order for us to get that key, we must have money to fund our educational endeavors. Starting to invest early helps money to grow over time. These plans will help your child’s money grow, so you can stress less about how they will end up pay for college.

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