E.g., 10/27/2021
E.g., 10/27/2021
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  | Spending & Budgeting

Do you have a budget?

Making sure that you have a plan for your money is an important step in reaching your financial goals.
If you want to reduce the money you owe the IRS, you need to claim all of the tax deductions and credits that are available to you. Both deductions and credits can have a big effect on reducing your tax bill, but they are definitely not the same -- and one is much more valuable than the other.
  | Spending & Budgeting

How to choose the best mortgage

Unless you can buy a house entirely in cash, finding the right house is only half the battle. The other half is choosing the best type of mortgage. Since you'll likely be paying back your mortgage over a long period of time, it's important to find a loan that meets your needs and your budget. When you borrow money from a lender, you're making a legal agreement to repay that loan over a set amount of time – with interest.
The way we spend money is very similar to the way we eat food. If something looks appetizing, we consume. Sometimes we can go overboard and indulge too much. That’s when the unhealthy aspect kicks in. As it pertains to food, you begin to gain additional weight – financially, the additional expenses that you’ve created for yourself begin to weigh heavily on you. When that happens, then it may be time to shed some pounds to get back on the right financial track.

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