Nine Year Mortgage knows that it is easy to get caught up in all of the financial “options” in this day and age. However, there are some choices that could send you into a financial downward spiral. Here’s a look at what Nine Year Mortgage thinks are the top ten unwise debt choices this year.
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Nine Year Mortgage: Are financial plans just for the rich?? Many Americans assume that financial planning is only for those who have so much money spilling over that they do not know what to do with it. This is the opposite of the truth. Financial plans are for everyone, but unfortunately most people do not […]
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The “credit score” is nothing new; however there are still many misconceptions and myths surrounding them. 9 Year Mortgage wants to help set these myths straight.
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Many people are afraid that they will outlive their retirement savings. 9 Year Mortgage presents seven tips to make sure you have enough money saved up.
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With today’s low interest rates, the last thing you want is to find out you don’t qualify because your credit score isn’t high enough. In today’s economy, there are some surprising things that can work to lower your score. 9 Year Mortgage presents ten things that you will want to avoid in order to keep your credit rating high.
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Dieters, beware. Studies have shown that grocery shopping with a credit or debit card instead of cash increases the amount you spend on sweets and fattening foods by about 40%.
The logic behind this isn’t earth shattering, but it is still good to know if you want to keep your spending and your weight in check. 9 Year Mortgage knows that when you use cash, there has to be prior planning involved in the grocery list, and then there has to be a visit to the ATM for the right amount of cash. Your credit or debit card is there for a quick craving, but overall, cash is the better option for major grocery shopping.
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9 Year Mortgage: A cure for shopping addictions Everyone wants to spend less money. With the Holiday season upon us, it is easy to feel like all you are doing is spending money. It is important to try and be reasonable in your spending, but for some people, that means learning to overcome an actual […]
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9 Year Mortgage recognizes that no one is perfect and as you strive to become in control financially, you may slip up from time to time. While you may feel remorse and guilt for the mistakes you have made with money it is important to move forward. 9 Year Mortgage invites you to focus on the positive instead of beating yourself up; here are 5 ways to move on after a bad financial decision.
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9 Year Mortgage: How Friends Can Negatively Impact Your Spending 9 Year Mortgage recommends you consider if your friends are helping or hurting you financially. Think about the restaurants your friends choose when you go out together; are they within your budget? Do you find yourself buying more expensive clothes or clothes you don’t need […]
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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 […]
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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 […]
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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.
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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, […]
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While the option to upgrade your credit card to Gold-status is becoming more available to average bankers and the new monthly $5 dollar charge for debit card users that Bank of America has announced, it is becoming harder to decide what the best financial decision is for you and your family. If you are hearing the rumors that your bank is going to start charging you for using a debit card or you seriously considering applying for one of the five credit card applications you get in the mail daily, 9 Year Mortgage would like to discuss the options and alternatives you have to debit cards or credit cards.
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9 Year Mortgage believes that Americans are infamous for their ability to spend more than they earn. However now, as the economy continues to cripple, this notoriety has reached epic proportions. With those of you who have lots of debt yet not sure how to pay it off, read on and 9 Year Mortgage will give you some ideas.
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It’s not shocking that home values are still falling, and unfortunately there are no reports of it getting any better any time soon. To those of you who are hoping to sell your home, for more than it’s worth, in order to buy a new one that you can comfortably live the rest of your days in, 9 Year Mortgage doesn’t see this as the attainable dream it once was. With home values expected to drop another near 3% by the years end, the luxury of making a profit on the sale of your home will be a rare occurrence. Such reality is actually causing a spark among a plethora of homeowners, who have indeed caught the “renovating-bug”.
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It is no coincidence that 90% of 9 Year Mortgage clients are between the age’s of 50 and 60; This is when retirement is in the near future and many people are realizing they are not ready for this next stage in their lives. Unfortunately most people don’t take retirement seriously until they get closer to retirement age, and by that point most of them still have a large amount of debt. Between the recent recession and housing market woes, those nearing retirement are finding that they are ill-prepared for the months to come and are struggling to feel secure with their finances. 9 Year Mortgage will discuss the major causes of those struggling to save retirement funds and the options that are available to them.
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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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Do you consider yourself a hoarder? Most likely not, however there seems to be one item that nearly everyone has a problem downsizing or parting with: your wallet. 9 Year Mortgage finds it curious that both men and women have wallets that are continually growing and never shrinking, which is unfortunately more of an inconvenience for wallet-hoarders in the long run. Why you ask? Because one crime in particular is directly linked to thick wallets, and 9 Year Mortgage will give you one guess as to what it is…
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Should we discuss the good or bad news first? Since it’s better to end on a positive note, 9 Year Mortgage is sorry to say that the already steep costs for college tuition have once again spiked in over 30 different sates. On the upside, the new debt deal may have cut military spending and made the stock market plummet, but college grants did get a funding boost. An increase in awarded pell grants could be the best news to those students who are married, older, or who come from homes with low finances; But a wise word for all of you parents who earn enough to make your dependent child ineligible for grants – Your bank account may be drained from tuition or your child will have a dramatic increase in debt.
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With a growing number of merchants not accepting cash anymore and the U.S. Treasury printing fewer dollars, we are moving closer and closer to an all-plastic economy. This is great news for banks, credit card companies, and marketing establishments which can now go through our transactions and our personal lives in more detail. However is it a good idea to go all cash? What are some of the main reasons to cut back on spending with credit cards? Continue on and 9 Year Mortgage will go over 9 reasons why you should consider going all cash.
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Have you ever wondered if your parents are being completely truthful when it comes to their finances? Do they have an old collection that may actually be worth thousands of dollars, or do they act poor but really have stacks of cash stashed away? Maybe their house is paid for and you have a sizable inheritance coming your way and you don’t even know it. If you have ever wondered about your parents money then read on and 9 Year Mortgage will tell you the 6 things you don’t know about your parents and their money.
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9 Year Mortgage is becoming increasingly aware of the unfortunate trend of grown children relying on their parents for financial support. The unfortunate part of grown children relying on their parents for financing is due to the fact that it is ruining their parents chance for retiring or their retirement funds. Between helping your children with mortgages, rent, child care, gifting or allowing them to live at your home, you are jeopardizing your opportunity for a successful retirement and 9 Year Mortgage will show you how.
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For most people buying a house will be the biggest purchase they make in their life, and one they will be paying off for years, or even decades to come. Given that it’s such a big decision, how do you know how much to spend on a home? Spending too much on a home could leave you with little to no money for other goals, such as retirement, college funds, vacations, and toys. 9 Year Mortgage encourages you to read on so that you don’t make the mistake of overspending on your home!
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I did it! Just over two years ago when I called 9 Year Mortgage, I didn’t know how I was going to pay off all my debt. I thought it was going to take forever unless I increased my payments which I did not have the money to do.
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We are approaching our 70’s and have been worried about how much longer we can continue working. Our 9 Year Mortgage Financial Plan will have us debt free in 10 years including our home. What is exciting to us is that 9 Year Mortgage will have all of our other debts paid off in only 2 years, freeing up close to $1,100 per month.
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I have wanted to retire and move to Florida for a long time but just couldn’t ever get there because of my debts. I am proud to say that in 1 year and 11 months, everything will be paid off but my mortgages. I will continue to use all the principles and money skills I have learned and want to thank the people at Nine Year Mortgage for all their help.
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You have a mortgage and a load of other debt, and you wish it would all just go away. Why should you call 9 Year Mortgage? What makes our program different, and better, than other programs that are designed to help you eliminate your debt and prepare for retirement? Every potential client should be asking themselves these very questions, and today we’re going to answer them.
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For the first time ever China is about to pass the US in percentage of World GDP. Meanwhile, banks are expected to send out 3.2 billion credit card offers this year. 9 Year Mortgage also expounds on negotiating the best deals on six common fees and expenses, and the dangers of only making the minimum payments on your debts. Don’t miss out on the May 2011 edition of the 9 Year Mortgage Financial Newsletter.
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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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