If you're buying a $100,000 home, just a one percent increase in your mortgage rate will cost you an extra $1,000 per year. If you're in a more expensive area or see a bigger rate increase than one percent, the extra costs of a mortgage can really add up. Here's what you need to do to get the lowest rate.
Stop Applying for Credit
Are you thinking about opening a home improvement store credit card to spruce up your new home or buying a new SUV to help you move everything?
Most everyone experiences times of severe financial distress. You may have encountered unexpected medical expenses or maybe your home needs immediate repairs to avoid it costing even more later on. No matter what kind of financial emergency you may have facing you, dealing with it can be a lot harder when you don't have good credit. Find out how you can get the money you need for solving financial problems without having credit to back you up.
When you find yourself in an unexpected situation in which you need cash quickly, whether for a medical emergency, broken down car, or even for bail money, you may wonder what you can do to get that money you need. If you do not have significant savings on hand, there are a few options available to you that can help you to get the money you need to cover these unexpected expenses quickly.
A personal checking account makes it easy to pay bills and manage your money without having to carry cash around or go through the hassle of cashing your paycheck. Since there are so many banks to choose from, it can be difficult to figure out which option is the best for you when it comes to opening a checking account. Use the following tips to make sure you find the best place to open a new account:
A payday loan can save you a lot of stress if you come up short one month or have a minor financial emergency. These loans aren't meant for long-term borrowing or major financial pitfalls but for short-term use to cover small financial hiccups. Opt for an online payday loan when your paycheck is short due to illness or when an unexpected activity fee for your child pops up. Before signing, though, make sure you are aware of all the potential fees so you can pay back the loan without any surprises.