The appraisal came in roughly where we thought it would, and we were full steam ahead. Our banker then dealt us a blow by telling us that our ability to move forward depended upon underwriting approving our mortgage application. If we were approved, the appraisal fee would be returned at closing.
Start by FOCUSING on the changes you feel you may be able to make quickly. Don't take on too much at first.
Over the last year, I've honed those skills and learned some new skills to keep our weekly grocery bill on point.
Some people have a penchant for recklessly spending cash. Others have no control with credit cards.
For the last eighteen months I've been hoping that the van will make it until we complete the program, so that we'd be in a better financial state to buy a new vehicle. It was almost a foregone conclusion that we would make the last payment, hang up the phone, and drive immediately to a dealership to pick out a new vehicle. Now that we're almost there, I could care less about having a new van. I just want this one to last as long as possible.
If you are still reeling from the holiday shopping and have sworn off spending any more money, you might want to reconsider to take advantage of some super discounted sales during the month of January.
If a person's goal is to save more money, or stop wasting their money on a perceived unnecessary expense, they have to take action to achieve their goal.
Your library card is the most valuable card in your wallet.
That trend is seemingly reversing now, and we want to get rid of the interest-only second mortgage and get everything locked into a fixed-rate loan. As my wife and I pulled into the bank parking lot, she asked me a very valid question: Can we even refinance while enrolled in a debt consolidation program?
Let me rephrase that: 2014 is most definitely going to be a spectacular year. 2014 is the year that we finish our debt consolidation program.
Knowing that money was tight, I would just plug my ears, close my eyes and hope that it would go away. Have you ever not updated your checkbook register for such a long time that you just turn the page, write down the current balance and start over?
Here are 3 of the best reasons to stick with your debt reduction plan.
As the tears start rolling down my face, it is hard to read what I am writing. Maybe that is a good thing.
Instead of cutting things, I try to find a way to come up with extra cash.
Here are seven unsatisfying but necessary travel expenses you need to budget or account for when planning your next trip.
As I look back at the last four and a half years, I was able to break down my debt consolidation experience into four different and distinct time periods and the feelings that came with them.
Her basic attitude has been that I am a killjoy, and she seems to think I overstate how hard it is to live on a tight budget. Since she spends so much time with us it has created some struggles. Well . . . let's face it: we have had some fights.
When you invest in yourself, you are likely to see solid returns that continue to reward you over time. When you invest in yourself, you can not only improve your outlook on life, but you can even improve your earning power.
I kept hoping that the next salary increase would finally be the one which caused our income to outpace our spending, and allowed us to start paying off our debt. But our lifestyle inflation along with growing credit card payments grew just as fast as our income.
Have you ever shopped at a bakery thrift store? If not, you are missing a wonderful opportunity to get the same bread, rolls and sweets as you buy at the grocery store for dramatically reduced prices.
Here are 11 creative ways to hustle some extra cash and clean house at the same time.
I am taking a look at my 2013 budget and seeing which months my budget worked out great, and which months I didn't meet my budget.
Finally I turned around to see what she was doing. On her lap were two calendars that she was writing information into. It then occurred to me that we often have two very different ways to looking at a situation.
There is no being thankful for your bike or hopeful that you will get a video game for Christmas. During those eight days these things are on our minds. What are we really thankful for? What do we really hope for? It naturally becomes part of conversations.
Why do our budgets get out of whack during the holiday season - despite our best efforts? Most of the time it's not buying gifts that throws everything off kilter; it's...everything else.
In addition to the blogs, be sure to check out the new CareOne Groups:
Are you finally out on your own and figuring out how to balance your finances? If so, this is the group for you. In Starting Out, you can talk about the challenges you are dealing with in a group of like-minded people.
Do you feel like you are finally understanding what being a "grown-up" is all about and are settling into your adult life? If so, this is the group for you. In Settling In you can connect with others who are just like you.
Struggling to balance all that an established lifestyle has to offer? The balancing it all group is for you. Discuss the challenges you face when your responsibilities at work, at home and with family and friends all compete for your attention.
Are you currently retired or planning on retiring very soon? If so, this is the group for you. Times have changed and so has retirement. Learn how others are redefining retirement.