Budgeting

Understanding Home Equity

Understanding Home Equity

Home equity is the amount that your home is worth minus any outstanding mortgage loan balances. For example, if you purchase a home valued at $200,000 with a $150,000 mortgage, you have $50,000 equity in your home. Your home equity will most likely grow over time as the value of your home increases and as your loans are paid down or reduced.

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The Dangers of Only Paying the Minimum Payment

The Dangers of Only Paying the Minimum Payment

Most credit cards make you pay a minimum payment every month to keep your payment schedule current. This minimum is typically an amount based on a percentage of your balance but can be a fixed amount. If your wallet is tight, it can be tempting to only pay the minimum.

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Home Buying: Understanding Short Sales, Foreclosures and Auctions

Home Buying: Understanding Short Sales, Foreclosures and Auctions

Buying a home can seem like an overwhelming process. On top of everything you will need to know about how to buy a home, you should also know what happens if you can no longer make your mortgage payments.

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Frugal Family: How Meal Planning Saves Money

Frugal Family: How Meal Planning Saves Money

Meal planning is one of the easiest ways to help you and your family save time and money by planning out each meal of the week and sticking to this list when shopping for groceries. Saving money isn’t the only benefit of meal planning. Meal planning helps eliminate the frustration and wasted time figuring out what to eat for dinner.

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How Much Does it Cost to Withdraw from 401(k)?

How Much Does it Cost to Withdraw from 401(k)?

Financial hardships can come out of nowhere: an unforeseen medical emergency, a natural disaster, an unexpected house repair, or loss of a job can jostle even those most well-prepared financially. During this setback, it may be tempting to dip into your retirement savings.

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Frugal Family: Buying New vs Used

Frugal Family: Buying New vs Used

One of the best and easiest ways to save money for your family is to buy used items whenever possible. In most cases, you’ll be just as happy with the item and get just as much functionality as you would with a new one for a fraction of the cost. While there are many great household items that are perfectly fine when bought used, there are a few items that you should never buy unless it’s new. Read on to find out how to make the best budget-friendly decisions about buying new vs. used.

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5 Money Saving Tips for Renters

5 Money Saving Tips for Renters

How to Maintain Your Financial Well-Being While Renting For some people, renting is the best option. If you have little job security, know you might not stay in the same place for two years, or you’re not financially ready to buy a home, renting is probably the best... read more
Renting vs. Owning: 3 Key Considerations

Renting vs. Owning: 3 Key Considerations

Whether it’s your first time on your own or you want to make the switch from renting an apartment to owning your own home, housing decisions can seem both exciting and intimidating. The best way to make your dreams come true is through research of your needs and understanding of where you stand with your budget and own future plans.

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Best Affordable Fun Spring Activities

With the arrival of March comes springtime, bringing with it warmer temperatures, greener lawns and lots of color to the outdoors. At this time of year, nature beckons to families who have been cooped up in the cold to reconnect with one another in the sunshine. Lots... read more

Save Money in the Kitchen with These Easy Tips

Lower You Weekly Grocery Bill and Save Money in the Kitchen with These Easy Tips Your weekly trip to the grocery store is made challenging by crowded aisles, familial needs, and long lines. This necessary task is made even more stressful when the shockingly high final... read more

Used vs. New: Buying the Right Car for Your Finances

When you’re in the market for your next car or truck, the salesmen and the showrooms can seem like pretty intimidating places. Whether you’re better off with a new car or selecting a used or “pre-owned” vehicle depends upon a number of factors, and there isn’t one... read more
Offseason Shopping Tips and Tricks

Offseason Shopping Tips and Tricks

How to Use Offseason Shopping to Your Advantage Smart shoppers know that buying in the off-season can save you time and money on goods you know you will need when the season arrives. The key is to shop for items at non-peak times when retailers are more likely to... read more

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Also See…

For more information on debt consolidation, please visit:

Why Choose CreditGuard? Learn what sets our debt consolidation services apart from the rest and how we can help you take control of your debt.

The Ultimate Debt Survival Guide. Need some practical advice for dealing with debt? You’ve come to the right place. This free downloadable guide can teach you the basics of managing debt (and more).

Is Debt Settlement a Good Idea? Debt settlement and debt consolidation are not the same. Learn more about the process (and consequences) of settling your debts before going down that path.