Debt

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.

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 […]

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 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 […]

 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 – 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 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 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 […]

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.

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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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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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.

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.

The next time you find yourself being asked by a sales clerk to sign up for a credit card, 9 Year Mortgage advises you to stop and think about your commitment to such a card. Can you afford to lose a couple points on your credit score? Will you be able to pay off your entire balance every month? Will you actually take advantage of the member benefits, or let them slide by?

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!

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.