Budgeting For Beginners

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Budgeting For Beginners

Few things are more frustrating than running out of money. When you are staring at an empty checking account, it can feel like the whole world is against you--especially anyone who you owe money. However, a few years ago I learned a few tricks for budgeting that really made a difference in my life. I have been able to get my spending under control and learn how to save. I have also learned how to prioritize my spending so that I don't have to worry about running out of cash. This website is here for anyone who has ever struggled with money.

Buying A Home? 3 Tips For Getting The Best Mortgage Rate Available

Buying a home is not meant to be an easy task. From finding a real estate agent and securing a lender to saving up a down payment and navigating the closing process, it is easy to see the challenges involved in purchasing a house. Fortunately, proper planning and understanding can make the process easier. An important factor that many buyers forget about is the mortgage's interest rate. This rate not only affects your monthly payment, but it also affects how much you end up paying for your home over the loan's entire term, so you should want the rate to be as low as possible. Read More 

Want To Give Generously? 4 Ways To Do So And Still Avoid The Gift Tax

Giving gifts is a wonderful way to express your love for others, help out friends or family, and feel great yourself. But many Americans don't realize that gifting assets or cash in larger sums can incur a tax.  Known as the gift tax, this tax is levied on the giver and may come into play any time you (or your spouse if filing jointly) gives an amount greater than $15,000 (in 2018) to a single individual. Read More 

Why Having An Estate Sale Is A Great Way To Handle Downsizing

If you recently retired and want to downsize and move to a warmer climate, you might be tossing around ideas as to how to handle this move. One idea you might want to consider is having an estate sale at your home as a means of liquidating everything you have. If you did this, your move to a warmer state would be so much easier to do, simply because you would not have anything to move, and you could generate some cash to buy the things you need after making your move. Read More 

3 Tips To Take The Stress Out Of Taxes

There is one event that you can count on to come around each and every year: tax season. Filing your income taxes is an important task that shouldn't be taken lightly. Many people rush through the filing process and end up missing out on valuable deductions that might help them yield a larger return. Keep this simple tips in mind this tax season to help you maximize your return while reducing the amount of stress you feel when filing your taxes. Read More