How to Budget for Buying a House
Frugal Rules
by John Schmoll
1w ago
Buying a house is exciting, but it can also be confusing. When my wife and I purchased our first place, we had no idea where to start. It was an overwhelming time, and that doesn’t begin to cover the financial side of the homebuying process. If you’re in the market for a house, this guide shares the steps you need to follow to budget for a home. What Should My Budget Be For Buying a House? Purchasing a new home consists of much more than a monthly mortgage payment. While that is an important piece of the puzzle, it goes beyond that. Your home buying budget needs to include the mortgage, but it ..read more
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7 Best Payday Loan Alternatives to Avoid High-Interest Debt
Frugal Rules
by Choncé Maddox
3w ago
Getting cash fast isn’t always easy when times are tough. You might need money now and have no idea where to get funds. A payday loan may seem like the only choice. While high-interest loans provide a brief respite, that ends quickly when rates and fees make the situation worse. If you need cash quickly, there are safe alternatives to payday loans. Better yet, they likely won’t saddle you with additional debt. Best Alternatives to Payday Loans Regulations against payday loans are increasing. Most either cap interest rates or make them illegal. Rates in unregulated states can often reach 400 pe ..read more
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How to Buy A Car With Cash In 5 Simple Steps [2024 Update]
Frugal Rules
by John Schmoll
3w ago
It’s no doubt that cars are expensive. This makes buying a car with cash exceedingly difficult. Most people finance the purchase, but that’s not always the wisest choice. Read on to learn how to buy a car with cash without a hassle. How to Buy A Car With Cash Making a large purchase is not impossible, but it does take work. My wife and I didn’t finance our last car purchase and know you can, too. Here are the steps you need to follow if you’re considering paying cash for a car. 1. Save Your Money This is an obvious first step. Regardless of whether you want to buy a cheap used car for cash, or ..read more
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10 Ways To Get Free Government Money
Frugal Rules
by John Schmoll
1M ago
Sometimes you need financial help for your basic living needs like housing, utilities, groceries, and health care to get you and your family over the hump. You can apply for free government money, which depends on your circumstances and qualifications. Most government assistance programs are federally funded but run by the states. Getting Free Money From the Government The government (i.e., federal, state, or local) provides money to people in financial need. Assuming you have a legitimate claim and you’re experiencing financial hardship, you should be able to qualify for government monetary s ..read more
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6 Best Debit Cards for Kids To Build Financial Literacy
Frugal Rules
by John Schmoll
1M ago
Financial literacy is an important life skill that everyone should possess, including children. Teaching your kids about managing money from a young age can set them up for financial success in the future. One way to start this journey is by getting them a debit card and teaching them how to use it responsibly. This is particularly important in a financial world that primarily operates digitally rather than with hard money. Many debit cards have features and benefits and are designed specifically for children. This article will discuss the six best debit cards for kids to build financial liter ..read more
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Find a Free Checking Account You’ll End up Loving
Frugal Rules
by John Schmoll
1M ago
Life is so much easier when you don’t have to stress over managing your money, especially if you can do so for free. When people start working and making money, they want to open a free checking account that doesn’t charge recurring fees. With a checking account, people can manage all their transactions regularly. Without the monthly maintenance fee, people can worry less and forget about the hassles. Opening a free checking account doesn’t mean everything will be for free. You might come across out-of-network charges, overdraft fees, minimum balance requirements, foreign transaction fees, or ..read more
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How to Invest in Stocks: a Beginner’s Guide
Frugal Rules
by John Schmoll
1M ago
If you’ve never done it before, investing in the stock market can be overwhelming. Yes, stocks do carry risk. However, they also offer one of the best opportunities for long-term wealth building. Intimidation aside, one of the best ways for beginners to start investing in stocks is to open an online investment account. This account can be used to invest in individual shares of stock, mutual funds, exchange-traded funds (ETFs), and more. The essential piece is to start. Time is the best gift you can give to your efforts, regardless of the starting amount. This guide shares how you can get into ..read more
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Debt Relief Programs: A Comprehensive Guide to Financial Freedom
Frugal Rules
by John Schmoll
1M ago
Debt relief programs help individuals and businesses burdened by unmanageable debt. These programs aim to reduce the total amount of debt owed or offer better repayment terms. These plans can effectively help people regain control of their financial health and work toward becoming debt-free. Despite their potential benefits, debt relief programs may not be suitable for everyone, and you should understand each option before deciding whether it’s the right choice. You can choose from various methods depending on the type of financial situation, such as debt settlement, debt consolidation, and cr ..read more
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11 Snap Judgements That Made Strangers Seem Like Terrible People
Frugal Rules
by Nicole Schmoll
2M ago
Sometimes, it just takes one action for us to judge someone. But what are the things that most often lead someone to judge another person as, well, terrible? That’s what one person asks online, and respondents don’t hold back on what makes them judge. 1. Littering Image Credit: Shutterstock. Whether throwing something out of a car window while driving or leaving trash in public spaces, littering is the most agreed upon social sin. It highlights that someone is inconsiderate and doesn’t respect others or their environment. 2. Not Picking Up After Dogs Image Credit: Shutterstock. Similarly, inco ..read more
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8 Surprising Facts About Middle-Class Income in America
Frugal Rules
by Nicole Schmoll
2M ago
Did you know that the middle class makes up the majority of America’s population? According to the Pew Research Center, in 2020, approximately 50 percent of adults in the United States were considered part of the middle-income tier. Since the 1970s, this number has gradually decreased as more people dispersed into the lower-income and upper-income categories. With most Americans in the middle, many surprising facts about middle-class income in America often go unnoticed. What Is the Middle Class? The term “middle class” often refers to a socio-economic group that falls between the upper and lo ..read more
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