Debt Elimination

Now that you have filed your taxes, or are about to before Tax Day April 18th, it’s a waiting game for your refund. 9 Year Mortgage is interested in what its readers will be doing with their refund this year. Haven’t put much thought into it? Well, then let 9 Year Mortgage give you some pointers on some smart things to do with your tax money in 2011.

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.

If you are seeking to balance your career and family or you just want some flexibility within your occupation, a home based business may be your answer. 9 Year Mortgage believes that a home based business may just give you that incentive to increase your income by being 100% responsible for you financial well being. If you are intrigued with the idea of being your own boss and having maximum independence within your career, then you may be the perfect candidate for a home based business. But before you quit your current job or decide to run a business while your child takes a nap, there are plenty of things you need to consider.

9 Year Mortgage is aware of the economic crisis and we highly recommend taking a fine toothed comb to your expense budgets, as you can see from our other posts, but there is another way you can help make ends meet–consider taking on a second job. Studies estimate that 27 million Americans are already taking advantage of a second part-time job, but before you take the plunge, here’s what 9 Year Mortgage suggests you consider.

How much did you spend last month on groceries? How much do you usually spend on groceries in a month? Can you answer those two questions on cell phone and cable TV spending, dining out, insurance, gasoline, etc? If you know how much you spend in these various categories you’re miles ahead of most Americans.