Money Saving Tips

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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.

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.

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 […]

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 […]

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.

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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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 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.

9 Year Mortgage Tips on Fixing Your Finances This Holiday Season

Christmas is a time where people max out credit cards and get into debt just to please a friend or family member with a gift that in the upcoming months wont be used anymore. Let me suggest this Christmas season that you try and do things differently. Give practical gifts, inexpensive gifts, or even give the gift of financial advice.

It might come as a surprise to some that the amount of money a family can potentially save through state taxes for college savings varies tremendously on the location of the person. Although many people believe 529 plans to be the best way to save money for their children`s education in the future, there is a risk depending on where a person lives that should help determine if this plan is worth investing in.

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.

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”.

9 Year Mortgage knows of the difficulties that plague our nation at this point in time; housing market woes, high unemployment rates, increasing gas prices, and a drastic leap in general living costs. Although 77 percent of the married couples in the U.S. both hold current jobs, there are also nearly 25 percent of families that are struggling to survive on one income. Even some of those families who are fortunate enough to have two incomes are pulling in what one person could make, so the struggles of meeting ends needs are applicable to a range of people regardless of job status. 9 Year Mortgage has compiled a list of steps that one might want to take if you are considering to start living on one income.

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.

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…

When it comes to kids, it is never too early to start talking dollars and sense. However parents are often scared to talk to their children about money because it means that they will have to admit their mistakes. But the consequences of not teaching these lessons to your children could be more dire than ever. Children now a days need to learn and understand much more than basic budgeting. They need to understand how to save for their retirement, manage health care cost and even cope with diminished Social Security Benefits. Yes this sounds like we are jumping the gun, but 9 Year Mortgage thinks proper preparation of your children, even at a young age, can start them down the path of a successful financial life. Read on a 9 Year Mortgage will give you tips on how teach your kids about money.

With a free-falling stock market, everyone is being more frugal. 9 Year Mortgage says that with the falling market and the economic uncertainty that comes with it has the most frugal looking for new ways to save. Many of the easiest way to do so may not even require that much sacrifice. Read on and 9 Year Mortgage will give you tips on how to save money fast!

No one is oblivious to the fact that the stock market is commanding the attention of every headline, news station, and adults small talk. 9 Year Mortgage believes it would be insensible to think that your child hasn’t noticed all the chatter about the markets, which is why it is so important not to ignore their questions or interest in the topic. 9 Year Mortgage is aware that explaining the markets is a hard feat to accomplish, considering many adults do not fully understand it themselves, but even the simplest attempts to explain it in elementary terms may help your children become better investors and savers in their adulthood.

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.

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.

Mobile banking is super convenient but it comes with privacy issues and other threats. Mobile banking, also known as, “digital wallets” let consumers pay with just a swipe of a smartphone and could make the plastic credit card obsolete. However, the technology could also chip away at our privacy and tempt us to spend more than we really would. Read on and 9 Year Mortgage will discover the good and the bad of digital wallets.

It is inevitable that your long-time family car will eventually seize up and kick the bucket. Or maybe your like the many people who like to trade in their car every couple of years to avoid serious maintenance fees; You even may be possibly thinking of investing in another car for your older teens to share, so you’re not left stranded at home every night while they rendezvous with friends. What ever the case, when it comes to buying a “new” car for your families use, you can never be too careful. 9 Year Mortgage poses the question of what do you prefer to buy: New or Used cars? And Why? A second part to such a question is how do you afford it? 9 Year Mortgage has some helps and hints when it comes to such questions, and we’re here to share them with you!