savings

9 Year Mortgage: Steps to Close your Retirement Gap

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.

Filed under 9YM Blog, Budgeting, Money Saving Tips, Nine Year Mortgage, Retirement by on . Comment. #

9 Year Mortgage Warns: Paying with Plastic Works Against your Weight in the Grocery Store

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.

Filed under Budgeting, Debt Elimination, Money Saving Tips, Nine Year Mortgage by on . Comment. #

9 Year Mortgage: Are you ready to leave your parent’s house?

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.

Filed under 9YM Blog, Money Saving Tips, Nine Year Mortgage by on . Comment. #

9 Year Mortgage: Preparing Financial Documents In Case of an Emergency

Nine Year Mortgage storm damage to a home

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.

Filed under 9YM Blog, Nine Year Mortgage by on . Comment. #

9 Year Mortgage: How Friends Can Negatively Impact Your Spending

9 Year Mortgage Dinner

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 […]

Filed under Budgeting, Debt Elimination, Money Saving Tips by on . Comment. #

9 Year Mortgage: How to Spend less in Retirement

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.

Filed under 9YM Blog, Budgeting, Money Saving Tips, Retirement by on . Comment. #

9 Year Mortgage: The freezer, a food budget’s best pal

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.

Filed under 9YM Blog, Budgeting, Money Saving Tips, Nine Year Mortgage by on . Comment. #

9 Year Mortgage Recommends 6 Ways to Save on Your Summer Vacation

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.

Filed under 9YM Blog, Budgeting, Money Saving Tips by on . Comment. #

9 Year Mortgage Advice: Teaching Financial Responsibility to Children

Nine year Mortgage Learn Money Smarts

 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. […]

Filed under 9YM Blog, Budgeting, Money Saving Tips, Nine Year Mortgage by on . Comment. #

9 Year Mortgage Advice for Newlyweds – The 5 Biggest Financial Mistakes Couples Make

Nine Year Mortgage Wedding rings and money

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.

Filed under 9YM Blog, Budgeting, Money Saving Tips, Nine Year Mortgage by on . Comment. #

9 Year Mortgage Shares Four Simple Ways You Can Begin Saving

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.

Filed under Money Saving Tips by on . Comment. #

Advice from 9 Year Mortgage: The 6 Biggest Credit Card Mistakes you Should Avoid

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 […]

Filed under 9YM Blog, Budgeting, Credit Score, Debt Elimination, Money Saving Tips, Nine Year Mortgage by on . Comment. #

9 Year Mortgage Recommends 6 Tricks for Finding Cheaper Airfare

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 […]

Filed under 9YM Blog, Budgeting, Money Saving Tips, Nine Year Mortgage by on . 1 Comment. #

The 9 Year Mortgage Approach to Spring Cleaning: 4 Steps to a Fresh Start with your Finances

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, […]

Filed under 9YM Blog, Budgeting, Debt Elimination, Money Saving Tips, Nine Year Mortgage by on . Comment. #

9 Year Mortgage Advice on Credit Card Repair

9 Year Mortgageg - Credit Card

In cultivating your credit score flawlessly I’m sure you’re the type of person who pays on time, and never leaves an outstanding balance, am I right? In your mind you’re golden! …Or are you. This may come as a surprise but these are not the key components to a superb credit score. Many consumers like you are unaware of what makes their credit scores move up and down.
Obviously you understand that the money that you spend and pay off per month in relation to your available credit effects your score but what you may not have realized is that they calculate your score from your total on your statement date and not the due date. You could have a balance that you don’t even know about which in turn hurts your credit, all the while you are unaware.

Here’s a little advice from 9 Year Mortgage on how to revamp your credit scores to what you want them to be while avoiding making those small decisions that can hurt big time.

Filed under 9YM Blog, Credit Score by on . Comment. #

Overcoming The Money Mountain With 9 Year Mortgage

9 Year Mortgage couple

9 Year Mortgage recognizes that financial issues are the most common reason for divorce in the United States of America and would like to step in and make a few suggestions. Yes adultery, abuse, addiction, those are also reasons for divorce but the standing highest explanation and root of the separation is money. Communication and understanding should always be implemented into the conversation with a loved one while discussing finances. For example do not overlook the fact that you both grew up in very different homes therefore you have learned different budgeting and saving strategies from your parents. Here are a few pieces of advice that can help you and your spouse from allowing your finances to get the better of your relationship.

Filed under 9YM Blog, Budgeting by on . Comment. #

9 Year Mortgage Shares 5 HORRIBLE HABITS To Conquer

9 year mortgage cart money

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.

Filed under Money Saving Tips by on . Comment. #

1 2 Next »