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 […]
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.
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.
If you’re going back to school yourself or sending a child off to college, the cost of education adds up. 9 Year Mortgage offers a few tips to keep tuition and other school expenses as low as possible.
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:
9 Year Mortgage: Home Equity and Retirement 9 Year Mortgage: Is it a good idea to Depend on Home Equity for Retirement? Homes are generally a persons most valuable asset. Home equity, is a part of owning a home that many couples use as a resource when preparing for retirement, but is this really a […]
Have you ever experienced a job loss, unexpected medical expenses, or an automobile repair out of nowhere? It`s events like these that can catch us off guard and result in significant debt if unplanned for. 9 Year Mortgage suggests some solutions to building a 6 month savings plan so you can start to get ahead.
9 year Mortgage: 5 Important Tasks to Prepare for Retirement 9 Year Mortgage knows that when you get only a few short years away from retirement, it is time to get your financial ducks in a row. Here are five tasks to be completed a few years before the transition. Examine all of your company […]
9 Year Mortgage, we know that taxes are stressful enough as it is. Having to deal with an unethical or simply inferior preparer will only make your experience worse, especially if it sets you up for an unpleasant audit later on.
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.
9 Year Mortgage: A cure for shopping addictions Everyone wants to spend less money. With the Holiday season upon us, it is easy to feel like all you are doing is spending money. It is important to try and be reasonable in your spending, but for some people, that means learning to overcome an actual […]
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: Be Smart About Your Smartphone
With the release of the new iPhone 5, 9 Year Mortgage knows that getting a smartphone is fresh on my people’s minds. However, this isn’t a new fad. In February 2012, polls showed that half of mobile phone owners in the United States had a smartphone. Conventional cell phone users are diminishing, with two out of three people purchasing a new phone choosing a smartphone. And while smartphones are pretty remarkable, 9 Year Mortgage wants you to know about some costs you need to watch and be prepared for. We also want to give you some ideas to help keep this area of spending under control.
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 […]
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: discusses insurance coverage 9 Year Mortgage is aware that it can be overwhelming trying to decide what types of insurance you need. There are countless options available and some of them won’t give you enough bang for your buck. In addition, not having enough coverage can yield horrific consequences. There is a […]
9 Year Mortgage: 7 Ways People Waste Money Even people who are good with their money can be unintentionally wasting it. There is often money escaping unknowingly from our budgets that we could be saving if the leaks were pointed out. These mistakes can be eliminated without causing a major change in your standard of […]
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 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.