Every parent needs to know these 3 warning signs of children who may have money issues down the road. 9 Year Mortgage wants to point out these red flags, as well as give possible solutions.
Here at 9 Year Mortgage, we know that most retirement planners are facing a gap between their retirement goals and their actual retirement savings. Taking the initial retirement planning steps, setting aside and investing money, is the start of creating a retirement plan that you want. However, there are some other steps you can take to make sure that you will truly have enough money to cover your needs in retirement.
As cheap as camping seems, 9 Year Mortgage knows that it can be quite pricey. Even when you are supposed to be roughing it, there are lots of ways that you will likely end up spending money unnecessarily. Here are some tips to keep costs down, while keeping your time in nature enjoyable.
9 Year Mortgage:Tips for Making Amusement Park Vacations Affordable
If your kids are dreaming of a magical family trip to their favorite theme park, you might be dreading that extra expense. While amusement parks and theme parks do get expensive, those who do some homework ahead of time can find deals and savings allowing them to enjoy a wonderful vacation on an affordable budget. 9 Year Mortgage provides the following tips for making that dream vacation a reality for a little less.
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.
9 Year Mortgage sees retirements are lasting longer these days and encourages you to be ready for all the expenses that will come your way. You’ll most likely need to stick to a tight budget after you retire. Don’t forget to budget and save for the following expenses that you may have passed over:
9 Year Mortgage sees most of us spend a large percentage of our monthly income on eating out. This wine and dine lifestyle can get expensive and may be preventing you form saving or reaching important financial goals. The best alternative to eating out is preparing your meals frugally at home, but that isn’t always possible in today’s society. For those times when eating out is just too appealing, make sure you stay budget savvy while you dine by using these tips:
In recent years the bad economy and job market resulted in many young adults moving back in with their parents. This trend significantly limited the number of young adults starting new households or purchasing homes; However, the tide is beginning to shift as young adults and young families are leaving their parents homes and moving towards a more independent existence. It’s we will likely see far more young people starting fresh in a place of their own in the next few years.
9 Year Mortgage encourages you to update your approach to saving money this year. With easy access to the Internet comes more opportunities to prepare for your economic future. There are new ways to stretch your money that take little time and help you save without diminishing your quality of life.
For decades, parents have been paying their children an allowance for doing work around the house, yard, and even sometimes for nothing at all. Is there any harm in rewarding kids for their help with chores, or for just being a good kid? 9 Year mortgage suggests that there is.
In order to help you recover after an unexpected emergency or natural disaster, 9 Year Mortgage encourages you to assemble a kit containing the financial information you‘ll need after an unfortunate incident. A few hours of preparation for future uncertainties now can make a big difference after a disaster has taken place. We encourage you to get your financial information organized and keep it in a safe place to ensure you have the tools you’ll need to get back on your feet in a crisis. A fire proof safe or safety deposit box would be an ideal place to store this personal information. Additionally, there are online services that provide secure record storage for sensitive files or the home of a trusted loved one could also hold this paper work for safe keeping.
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.
9 Year Mortgage: Financially Planning for a Child Before becoming parents, couples should organize a plan for financially being able to take care of a baby, beginning with three steps. One of the biggest costs of being a parent these days is child care. Day care and nannies can cost more than a couple is […]
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: Savings Setbacks to Overcome 9 Year Mortgage encourages you to put a percentage of your income into savings each month. Putting money away for a rainy day can be a difficult task for most people; individuals and families are bombarded with expenditures that seem more pressing and necessary than saving. Those who […]
Tips From 9 Year Mortgage On Keeping Kids’ Sports Costs Down At this time of year, with kids going back to school and sports starting back up, 9 Year Mortgage feels that it is important to learn how to keep the cost of these sports to a minimum. After watching the Olympics this summer, kids […]
9 Year Mortgage: Must Have Conversations When Planning Retirement Together 9 Year Mortgage sees that couples often have different expectations when it comes to their retirement. It is important to discuss your retirement plans in-depth and become sure that you and your spouse are on the same page for this big life change. If each […]
9 Year Mortgage Warns About 10 Scams That Are Targeting Seniors Financial scams intending to swindle seniors out of their life-long hard-earned money have been receiving a surplus of media attention because of their growing nature. 9 Year Mortgage wants to help seniors become more aware of these scams, and in turn be more protected […]
9 Year Mortgage: How to Save Money on Your Telecom Bill 9 Year Mortgage wants people to know a secret for getting lower prices on their TV, internet, and phone bills. All it takes is a phone call to reel in some major savings. So often, people will continue to pay more for their […]
9 Year Mortgage encourages you to not overpay while improving your physical fitness Making healthy choices will prevent several expensive issues in the long run. While it is vital to care for your health, fitness and nutrition 9 Year Mortgage hopes you will consider if the correlating expenses are necessary; Fitness doesn’t have to come […]
When preparing to retire 9 Year Mortgage recommends you create a finical plan for even monthly and daily expenses. As you look over your potential budget you may be surprised how seemingly tiny expenses made frequently will add up over time. 9 Year mortgage encourages you start trimming your expenditures now in order to ease the shift to living without a salary. Here are some areas you should consider reducing.
Being savvy about food expenses will save you a large amount of money over time; one way that 9 Year Mortgage recommends you do this is using your freezer as much as possible. Freezing food will ensure you always have something on hand to cook, and allows you to make the most of sales and typically without affecting your electricity cost all that much.
9 Year Mortgage Recommends 6 Ways to Save on Your Summer Vacation
The kids will soon be out of school, temperatures are rising, and there are just a few more days until it’s officially summer. If you are planning on taking a summer trip it can be challenging to stay on a budget- especially with the price of. 9 Year Mortgage has a few suggestions to save some money on your vacation.
9 Year Mortgage Budgeting Advice: 6 Ways to Better your Budget
There is no one size fits all budget, and even at different times in one person’s life they may need different budgeting techniques. 9 Year Mortgage has 6 suggestions for you to improve your current budget.
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 […]
9 Year Mortgage understands that while you’re trying to pay down debts purchasing a new car might be low on the priority list. If you’re driving an older car it will likely need frequent maintenance and it is often challenging to find a skilled, honest mechanic.
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 Advice for Newlyweds- The 5 Biggest Financial Mistakes Couples Make
It’s wedding season, and while finances may not be the most romantic thing to talk about, having this talk is an essential part of avoiding financial mistakes. Since finances can be a source of conflict in marriage, 9 Year Mortgage suggests talking about your financial situations before tying the knot, which will help you avoid making these 5 mistakes.