While there’s no independent research on the average success rate of debt-settlement programs, the experience of Nine Year Mortgage is that a majority of clients will drop out before the company reaches a settlement with their creditors.
Recently, several Nine Year Mortgage clients wanted to learn some steps they could take to be able to live within their income. Each client was spending between $100 and $200 each month more than they earned. As I examined their monthly budgets, I noticed in both cases they had allocated over two hundred dollars a month for “work lunches”. For a normal 20-day work week, that is about $10 every day.
Nine Year Mortgage knows that your credit score is extremely important. With good credit you can easily qualify for a mortgage or car loan, get better insurance rates, save money on cellular phone and television service, and sometimes it can even make the difference in your job search.
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.
Nine Year Mortgage believes that life insurance is an essential protection to have, especially for married people with children. When a primary wage earner is taken in death, serious decisions and consequences arise, such as whether to sell the house, whether a stay at home Mom should go to work, whether a grandparent should move in to take care of kids, and mourning the loss of the spouse/parent. These issues, along with all the rest that go along with such a stressful time in life, are best made with the peace of mind that comes from knowing that money is not a problem or a factor in the decision.
Nine Year Mortgage believes that life insurance coverage should be an essential part of every married person’s financial life, especially when children are present. The following information will give guidance on how much insurance to buy, and how long to keep it.
Everything you Need to Know about Paying for College from Nine Year Mortgage Finding Loans to Finance Higher Education Funding college, whether for yourself or for your children, can seem a bit daunting. Especially if you’ve already taken advantage of available grants and scholarships, but still have a gap in your costs. Rest assured that […]
Many people find themselves with unused credit cards. Should these cards be closed or left open? Should you try to use them occasionally or just let them sit idle? Nine Year Mortgage has the answers.