Debt, Home

How to Choose a Great Home Lender for Your Mortgage

Once upon a time, getting a home loan was as simple as walking down to the local bank, sitting down with the manager, shaking hands, and presto! You’ve got a home loan and your local bank was your home lender. That’s pretty much the way it used to be.

With low interest rates, it's prime time for getting a mortgage or refinancing your home. Here's how to find the right home lender for you.

Today, with the advent and popularity of online lending, times have really changed. Borrowers are now spoiled with so much info and so many choices! Right now (and how many times have you heard it over and over again in recent years) mortgage and refinancing rates are at really low numbers. With so many different lenders beating a path to your door and giving customers so much different information, how do you know when you’ve chosen a great deal from a great home lender? Well, wonder no more!

Continue reading“How to Choose a Great Home Lender for Your Mortgage”
Budgeting, Debt, Personal Finance, Saving & Investing

Why Is Your Road to Financial Freedom a Bumpy Path?

If you are reading this post, chances are that you already understand what debt is and even may be neck deep in debt right now. That might even be true for you if just a few months ago you were actually making a pretty healthy salary.

In your quest for financial freedom, there are some bumps you'll need to overcome. Here are the areas you'll need to cover to get financially straight.

There are some good reasons you could have for being in that condition. The first one being that you may have recently lost your job because of the pandemic and that has cut off your main source of income. That just about always spells economic disaster. If you were never really any good at saving money, certainly losing your job will make your financial situation a lot worse.

Continue reading“Why Is Your Road to Financial Freedom a Bumpy Path?”
More

Time Flies…It’s Blogiversary #6!

Although time seems as if it has stood still since March of this year, the truth is that it hasn’t. It might feel like March something, but I couldn’t help but notice that the calendar actually says May 22nd and that means something special to me. Pandemic and all, it’s Super Saving Tips’ Blogiversary #6!

It's hard to believe, but it's blogiversary #6 for Super Saving Tips! Here's a bit about what it's been and will be, and a big thank you to the readers!

Celebrating six years and beginning year number seven…can you believe it? I find it hard to believe myself. As I publish today, I have reached another milestone and that is post number 600 now totaling almost 1,000,000 words (mostly spelled correctly thanks to my wife and auto-correct…spelling was never my strong suit). How many words would a million fill up anyway? More than a book that’s for sure.

Continue reading“Time Flies…It’s Blogiversary #6!”
Retirement

Forecasts Call for No Social Security COLA for 2021

It may be a little early to think about the potential Social Security COLA (cost of living adjustment) changes for 2021, but the writing might just already be on the wall. The pandemic, which is wreaking havoc with every facet of our lives right now, is also now targeting next year’s potential adjustments in the COLA and Social Security payments. Not very good news, is it?

While forecasters predict there will be no Social Security COLA for 2021, there's more to know. Read on about deflation and what it means for the future.

With inflation likely to barely register this year, forecasters say that there will simply be no Social Security COLA for 2021. The COLA, which will be officially set in October 2020, would be zero, zilch, nada, nil. And that means no change in benefits next year for millions of Social Security beneficiaries. That is a blow that many just can’t take.

Continue reading“Forecasts Call for No Social Security COLA for 2021”
Food

April Prices on Groceries Were Highest in Decades

It was only a matter of time. The coronavirus is wreaking havoc with our health, our jobs, and now it’s busting a big hole in our grocery budgets. The prices on groceries for April were actually the highest they’ve been in decades!

Prices on groceries rose to their highest in decades in April. Here are some of the reasons why, along with what else is happening in our economy.

Prices at your supermarket are rising sharply because coronavirus has disrupted the food supply chain. You’ve been hearing for weeks that there are cracks in the supply chain even though the government has tried to deny it. It is just starting to reach into your pocketbook and the score for now looks like we are in trouble. When you are out of work, as over 30 million Americans are right now, the last thing you want is to have prices on groceries busting wide open!

Continue reading“April Prices on Groceries Were Highest in Decades”
Retirement

Is the Pandemic a Retirement Dress Rehearsal?

Most everyone thinks and worries about money whenever the subject of retirement is discussed. That totally makes sense because having enough money is such an important part of your retirement. With it, you can take care of yourself and enjoy life to the fullest, and when you don’t have enough of it, you are in some danger and high risk. I can write volumes about money and the ways to approach it when it comes to retirement and you will agree or disagree, but right now you may be dealing with another huge piece of the retirement planning puzzle.

We often plan financially for retirement, but what about how you'll spend your time? This pandemic might just be a dress rehearsal for retirement planning.

That piece is a real life experience that over 30 million of us are now getting because of the COVID-19 pandemic and that is this: “How are you spending your time when you do not have to get up and go to work every day?” Is this like a dress rehearsal for your retirement?

Continue reading“Is the Pandemic a Retirement Dress Rehearsal?”
Shopping

Online Shopping Is How You Will Shop…Forever?

Getting into the swing of the online shopping experience right about now? It seems that you have to simply because for the past two months almost every “non-essential” retail outlet has been closed down due to the coronavirus. So like it or not, your computer/tablet/phone is your shopping outlet. But, pandemic or not, don’t be too surprised if online shopping will be how you will shop…forever!

Online shopping has been around a long time and is flourishing with current events. But will it be the way we shop from now on?

A Little Retail History

I’m going to skip past Org and Thor exchanging animal furs for food and go right up to the world of America in the 1800’s to save a little time here.

Continue reading“Online Shopping Is How You Will Shop…Forever?”
Family & Relationships, Shopping

Celebrating Mother’s Day in a COVID-19 World

As a former boss of mine once said to me (and I have regretfully repeated over the years), “Father’s Day is the most important day of the year”…not! Let’s get real here, your mom was, has been, and still is the very most important person ever. I’m not here to list all the reasons why and that is because you already know that without her, you just wouldn’t exist, so case closed. If you are fortunate enough to have your mom still around, it’s really important to recognize her. But how will you celebrate Mother’s Day in a COVID-19 world?

Mother’s Day is coming, but this year it may be difficult to see your mom in person. Here are some ways to celebrate from a distance.
Family Together in Bedroom

Some Things Still Haven’t Changed – Yet

Whether you’re staying at home or not (and you must social distance in order to protect yourself and everyone around you), you can still send your mom a heartfelt or funny greeting card and you can do it without ever leaving your house.

Continue reading“Celebrating Mother’s Day in a COVID-19 World”