Wednesday, January 26
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Tag: Personal Finance

6 Signs Your Personal Finance Software Makes Life Easier

Budgeting, Commercial Refinance Loans, Personal Finance
6 Signs Your Personal Finance Software Makes Life Easier Finding personal finance software is easy, because there are countless choices in mobile apps, online programs, and finance software you can run on your home computer. But they’re certainly not equal. Personal finance software should make your life simpler, not more complicated, and it should be customizable for your particular life, goals, and needs. You know you’ve found great software when your financial life becomes easier over time. Here are 6 signs your personal finance software makes life easier. 1. You Haven’t Paid a Late Fee in Months Does your personal finance software let you know in advance of when bills are due? It should be easy to set up automated alerts that tell you a few days before monthly, quart...

Average credit card interest rates: Week of January 13, 2021

Breaking News, Commercial Real Estate Loans
Essential reads, delivered weekly Subscribe to get the week’s most important news in your inbox every week. Enter your email address Subscribe By providing my email address, I agree to CreditCards.com’s Privacy Policy Your credit cards journey is officially underway. Keep an eye on your inbox—we’ll be sending over your first message soon. The average credit card interest rate is 16.05%. The average minimum credit card APR held firm Wednesday after lenders declined to revise rates on new offers for another week. As a result, borrowers in the market for a new card continued to enjoy starting APRs that are more than a full point lower on average than they were a year ago. Cardholders with excellent credit are enjoying some of the sharpest rate savings this year. ...

How Long Does It Take To Buy A House?

Grand Prairie, Loans, Mortgage, Personal Finance
How long does it take to buy a house? The answer is: it depends. You can buy a house in a matter of weeks or it can take you anywhere from 4 to 6 months. The question is how ready are you? It can take a long time, and that’s just learning about various mortgage options or improving your credit score. So understanding the various factors involved in buying a house can give you an estimate of how long it will take you to buy the house Check out now: 5 Signs You Are Not Ready To Buy A House How long does it take to buy a house? A step-by-step guide. It can take a homebuyer a few weeks to several months to complete the home buying process. But when determining how long it will take you to buy a house, you first have to find out if you will be pre-approved for a mortgage. There is no se...

7 Money Steps to Take Before 2021

Financial Planning, Laredo, Personal Finance
With the end of the year rapidly approaching, it’s a good time to take stock of your financial situation as you head into 2021. 2020 has been a strange year, and a difficult year for many people. With many people’s health and/or economic livelihoods affected by COVID-19, many people’s situation looks very different than it did back in January. As we head into a new year, here are a few things that you can do to improve your finances before the end of 2020. #1 Put at least $1000 into an emergency fund If you don’t have an emergency fund set up to handle unexpected expenses, that is a good first step to putting yourself on a solid financial footing. $1000 may not be enough to handle every possible thing that could go wrong, but it can be enough to handle your car breaking down or an ...

What Are Mutual Funds? Understanding The Basics

Financial Advisor, Galveston, Investing, Personal Finance
If you’re one of those investors with very little time to research and invest in individual stocks, it might be a good idea to look into investing in mutual funds. Whether your goal is to save money for retirement, or for a down payment to buy a house, mutual funds are low-cost and effective way to invest your money. *TOP CIT BANK PROMOTIONS*PROMOTIONAL LINKOFFERREVIEWCIT Bank Money Market1.00% APYReviewCIT Bank Savings Builder0.95% APYReviewCIT Bank CDs0.75% APY 1 Year CD TermReviewCIT Bank No Penalty CD0.75% APYReview What is a mutual fund? A mutual fund is an investment vehicle in which investors, like you ad me, pool their money together. They use the money to invest in securities such as stocks and bonds. A professional manages the funds. In addition, mutual funds are cost eff...

Affording a Second Child: How to Make Your Budget Work

Budgeting, Family Finance, San Antonio
Having kids is anything but cheap. According to the USDA, families can expect to spend an average of $233,610 raising a child born in 2015 through age 17—and that’s not including the cost of college. The cost of raising a child has also increased since your parents were budgeting for kids. Between 2000 and 2010, for example, the cost of having children increased by 40 percent. If you’ve had your first child, you understand—from diapers to day care to future extracurricular activities, you know how it all adds up. You’ve already learned how to adjust your budget for baby number one. How hard can it be repeating the process a second time? While you may feel like a parenting pro, overlooking tips to prepare financially for a second child could be bad news for your bank a...

15 Home Business Ideas & The Free Courses You Need To Get Started

Auto, Extra Income
Are you looking for a work from home job or some at home business ideas? If so, then I have a great list of free resources, such as courses and guides, that will help you find the best option and learn how to get started. Plus, all of the courses and guides in this article are free! If you're looking to make extra money, or even a full-time income, working from home is a great option. There are lots of realistic home business ideas that allow you to work on a flexible schedule. In fact, around 50% of U.S. businesses are home based, and that number is expected to grow well into the future. But, many people don't know what kind of options are available or how to get started with their in home business ideas. This article is a good starting point because I'm going to tell you about 15 differ...