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In the middle of financial uncertainty, 9 Year Mortgage understands that a large event such as a wedding may seem impossible to pull off; as a parent paying for an event like a wedding for your child can be a heavy burden. A memorable wedding can still take place even when you and your child are on a tight budget. Encourage the bride and groom to down size the stress and money are sure to be significantly reduced as they do so. The money that you could spent on a lavish wedding could then be used towards buying the couple’s first home or paying down existing debts instead of hurting your finances.

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 […]

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.

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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.

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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9 Year Mortgage on Renting out Spare Rooms

More often than not in today`s society, more homeowners are taking in lodgers and renting out rooms to make some extra money then one might expect. However, there are some potential problems with renting a space that a person should consider before doing so. 9 Year Mortgage has some advice on how to avoid these things and make an investment through renting out an extra room.

In the 1800s and even early 1900s it was a very common thing to have boarders in ones home. Many middle class families with extra space would rent out to make extra cash and make payments easier as well as financial responsibilities. This trend is coming back in as many American families now are starting to do the same. There are great benefits to renting out unused space. According to the Census Bureau states that unrelated adults living in anthers home jumped 12% since 2008 and in 2010 there were 7.3 million people doing this.

Why are there so many boarders in the United States these days? That is a valid question; with today’s uncertain economy and high unemployment rates, more people are delaying buying homes of their own, for these same reasons, those that have homes are starting to offer their open space to those who will pay per month to live with them which helps everyone in the long run.

9 Year Mortgage Tips on Fixing Your Finances This Holiday Season

Christmas is a time where people max out credit cards and get into debt just to please a friend or family member with a gift that in the upcoming months wont be used anymore. Let me suggest this Christmas season that you try and do things differently. Give practical gifts, inexpensive gifts, or even give the gift of financial advice.

9 Year Mortgage believes that one of the bigger challenges for parents of college students is teaching them how to handle money. A checking account is a necessity, as is some kind of budget for books, supplies and living expenses. Then there is the big one…credit. So how do you go about getting a credit card for a college student and what are your best options, so that they don’t rack up a ton of debt? Read on and 9 Year Mortgage will give you some suggestions.

We’ve all heard the stories of the disgruntled children who have received nothing from a deceased parent’s will or they were only given a smidgen of what they expected. The decision of who should get what, in terms of your will, is something everyone must decide someday; for many this is easier said than done. In many cases parents want to leave a larger portion of their estate to one child over another, but there are hurt-feelings and legal issues that end up thwarting their plans. 9 Year Mortgage understands that there are numerous reasons for leaving uneven amounts to inheritors and we’d like to give you pointers on how to do this without your will causing family-drama or possible legal fees.

When it comes to kids, it is never too early to start talking dollars and sense. However parents are often scared to talk to their children about money because it means that they will have to admit their mistakes. But the consequences of not teaching these lessons to your children could be more dire than ever. Children now a days need to learn and understand much more than basic budgeting. They need to understand how to save for their retirement, manage health care cost and even cope with diminished Social Security Benefits. Yes this sounds like we are jumping the gun, but 9 Year Mortgage thinks proper preparation of your children, even at a young age, can start them down the path of a successful financial life. Read on a 9 Year Mortgage will give you tips on how teach your kids about money.

Mobile banking is super convenient but it comes with privacy issues and other threats. Mobile banking, also known as, “digital wallets” let consumers pay with just a swipe of a smartphone and could make the plastic credit card obsolete. However, the technology could also chip away at our privacy and tempt us to spend more than we really would. Read on and 9 Year Mortgage will discover the good and the bad of digital wallets.

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.

9 Year Mortgage is becoming increasingly aware of the unfortunate trend of grown children relying on their parents for financial support. The unfortunate part of grown children relying on their parents for financing is due to the fact that it is ruining their parents chance for retiring or their retirement funds. Between helping your children with mortgages, rent, child care, gifting or allowing them to live at your home, you are jeopardizing your opportunity for a successful retirement and 9 Year Mortgage will show you how.

What teenager does not have a cell phone these days? Teens use their phones to download music, access email, and to send endless text messages to the world. To cut back on costs, suggest to your children that you will pay the basics of their plan, but they are on their own for the rest of the bill. Kids will be a lot more responsible with their phone if they know they will have to pay for overage charges, ring tones, and exceeding their texting limit.

Have you noticed how many children in middle school have cell phones, and how this trend is trickling down to elementary aged kids too? By chance have you noticed the child in the store holding his mom’s iTouch and playing Angry Birds to pass the time? How about a teen glued to their TV, lap top, or gaming system? Ever seen one of them totally zoned out while walking with their ear buds in and their cell phone glued to their thumb? This is what 9 Year Mortgage calls talented multitasking! Now, have you ever shook your head at any of these scenarios and questioned what the parents were thinking?