Knowing how to refinance a car is becoming more important as interest rates continue to rise. Car owners can get a lower interest rate by refinancing car loans, saving money. The purpose of an auto loan refinancing is to replace the current car loan with a new one and, typically, with a different lender to improve the loan agreement. In the new loan, the vehicle acts as collateral, as in the original loan, but the conditions of the loan are different. You should be familiar with the process of refinancing a car to lower monthly payments, get a reduced interest rate, and modify the total length ..read more

Laundry detergent is the key to keeping your clothes clean and smelling fresh. Chemicals make up laundry detergents that bring out stains remove dirt from fabric without ruining the clothes or leaving behind any residue on the skin. Laundry detergent is expensive whether you use pods, powder, sheets, or liquid. There are so many different laundry detergent brands at every price point, but what’s the best laundry detergent on a budget? When shopping for the best laundry detergent for the least amount of money, you want to focus on price per load. Each soap varies in concentration, ounces, and s ..read more

Saving money is not inherently difficult. The hardest part is finding new or creative ways to save money and then acting on them. Many people feel finding new ways to save money is too much work and that the effort needed to save a few bucks isn’t worth their time. Yes, it’s easier to go with the flow and pay sticker price for everything. But what if learning how to save money on a few everyday things could significantly improve your financial situation? Would you be game? Saving money becomes enjoyable if you think of it as a game instead of a chore. Then, when you see your bank account growi ..read more

Do you dream of owning a house someday? If so, you may be wondering how much money you’ll need to save before buying one. The total amount, of course, varies greatly from person to person. The following discussion breaks down the many different costs so you can work out the total sum you’ll need leaping into the property market. How Much Money Should I Save Before Buying a House? There are several ways to purchase a house, but most people either pay the total amount in cash or take out a home loan. If you don’t buy the home outright and plan on a mortgage, the best bet is to save at least 20 ..read more

If you need money but can’t get access to it quickly enough, you could find your financial situation quickly getting out of hand. This sentiment is especially true if you don’t have any emergency funds saved up and live paycheck to paycheck. Something as innocuous as an unexpected medical bill could put a hole in your budget and spiral your finances out of control. Payday loans are indeed available for your use (and you can also set the expense on your credit card or a personal loan), but these options typically have very high-interest rates that will cost you a lot in the long run. One way to ..read more

Are you ready to spring into financial stability by giving yourself a budget challenge to complete and follow? What challenges are you facing currently? Are you spending too much each week? How do you know how much you should be spending and saving? It is time to dig deep and figure out precisely what is going on with your finances and get things going positively. So, How Do You Start Your Budget Challenge? Thinking about the process of setting a budget can be overwhelming for you, and that is understandable. If you have been spending without planning first, it can seem like a colossal task, b ..read more

Being a small business owner is not the easiest way to earn a living, but it can be gratifying both monetarily and mentally because you are your own boss! Both new and established businesses go through transitions of growth and difficulty. You can look at various options for funding that will provide the money you need to continue and improve your business. You must understand what you are applying for and what financial responsibilities come before applying for a grant or a loan. So we will be talking about the pros and cons and the similarities and differences between free money grants and s ..read more

By Gillian Manning (Debt.com) If you’re trying to build your credit score, the responsible thing is to check your official credit report regularly. A mistake on your credit report can lead to bad credit, even if you’ve been a responsible spender. Keeping up with your credit report is vital. Mistakes are more common than you might think. A study from Consumer Reports found that more than a third of people see an error on their report. Errors can pop up because: There was a technical issue with a payment Negative information has expired but remains on the report (most information stays on your ..read more

By Meghan Alard You might think that having a credit score in the 500s would keep you from buying a home. But that isn’t always the case. Depending on your circumstances, you may have lending options that make it possible to overcome that bad credit barrier when buying a home. This guide will teach you how to buy a house with bad credit, and where to go to find financing that will work for you. What Credit Score is Needed to Buy a Home? The minimum credit score you need to buy a home will vary based on a few factors: The type of mortgage you want The lender you’re asking Who you are Minimum ..read more

By Don Silvestri In the 1990s, football was my life. I was a placekicker for the New York Jets, Seattle Seahawks, and Buffalo Bills. My career highlight was leading the AFC in touchbacks in 1995. If you don’t know what any of that means, let me explain it another way: I played the nation’s most popular sport, and I did it very well for a little while. But then it was over because NFL careers average just over three years. I beat that limit, but I couldn’t beat time. Time has an undefeated record. For my second career, I chose a profession I already had some experience with – personal finance ..read more