These are 25 money saving tips, I use daily/weekly/monthly and they work! I learned at a very early age that I needed to save my money to get the things I wanted. Notice, I said the things I wanted. My parents provided the things I needed! Previously, I wrote “10 Changes Can Make Millions” and I thought I would share some more. Start making ...
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Should I Buy, Rent a Home or Just Do Nothing?
Buy or rent a home is suddenly a question for me! My plan was always to move one last time to a single level home as I age and can no longer navigate two flights of stairs. I thought this decision would be far in the future because I am a healthy and very active adult (almost 68 years old). So what changed? Interest rates are low and home prices in ...
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5 Smart Ways to Cut your Expenses
How I cut my expenses may provide some insight how to save money. Some people would call me cheap! Others may say I am frugal! I think of myself as value conscious! I hate to spend more money for something than I need to. My approach may cause you to rethink how you spend your money! Find out how you can live on less without feeling deprived! ...
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Is It Too Late to Buy a Home?
Are you too late to buy a home at a bargain price? Home values are going up all over the country and you may be too late! If you are looking for the perfect time to buy a home, you probably missed it. Similar to the stock market, timing the market is difficult if not impossible. Real estate is cyclical and it goes up and down! The best time to buy ...
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Is Paying Off your Mortgage Early a Good Idea?
Are you paying off your mortgage early? Many personal financial experts suggest prepaying your mortgage or paying extra principal payments to pay less interest over the life of the loan. You can save a great deal of money by just paying few extra dollars in your monthly payment, pay bimonthly, biweekly, or just make an extra payment. Are ...
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Money Management Tips for Children
Money management is controlling your personal finances! Money management is the process of budgeting, saving, investing, spending or otherwise in overseeing the cash usage of an individual or group. Do you contribute to your retirement? Do you have a budget? Do you pay your credit card balance every month? If you can answer yes to these ...
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Things you must do to succeed at real estate investing
Real estate has become among the most lucrative venture for investors. Though expensive to start, investors get profit within a shortest time. However, making the real estate investment becomes a risky venture because you have to make the right decision for success to come. If you are a new investor, the following things you must do to succeed at ...
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Should I Refinance My Mortgage?
When does your bank call you and offer to refinance your mortgage for a lower rate? Until last week, I would have answered, never! I have a fixed rate mortgage that I am paying off it off in four (4) years why should I refinance? The bank offered to lower the interest rate and pick up all the costs. Refinancing a mortgage at a lower interest ...
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Negotiation Starts When You Ask a Question!
When you ask a question, you are negotiating! Negotiation is a dialogue between two or more people or parties intended to reach an understanding, resolve point of difference or gain advantage in outcome of dialogue, to produce an agreement upon courses of action, to bargain for individual or collective advantage. Don’t you negotiate all the time ...
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How is your Retirement Savings?
Do you have enough saved for retirement? It should be no surprise than too many Americans have not put enough aside for retirement. So much has been written about baby boomers and retirement, but I recently read a Los Angeles Times article how it is not limited to them. 10,000 baby boomers turn 65 years old every day and will for the next ...
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