Is Mortgage Refinancing Now Really a No-Brainer?

Congratulations to me! (…and Mrs. Super Saving Tips, too). After seeing and hearing a year’s worth of promotions about mortgage refinancing and the all-time low interest rates, we finally took the plunge.

Mortgage refinancing rates are at near all-time lows, but is it the right time for you to refinance? Here's what you need to consider.

When homeowners are bombarded with news about “record low rates”, they often have one thought on their mind: “Is this the time to refinance?” I guess that I have asked myself that question many times over my lifetime and each time I wavier and hesitate until it becomes really crystal clear to me. This time is one of those times! Right now, I have to say that refinancing for almost everyone is on paper at least, really a no-brainer!

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A First Time Homebuyer Must-Know Guide

The American Dream of owning a home is still alive and going strong in 2020 despite the chaotic world we are currently living in. It’s always a bit intimidating whenever you buy a home, but even more so when it’s the very first time you are planning to do it. So here’s what a first time homebuyer needs to know.

If you're looking to buy a home for the first time, you'll definitely want to know about these programs to help educate you and save you money!

There’s a lot to think about when you are thinking about buying your first home and it’s normal to have a lot of questions. The idea of making the single largest purchase that you will ever make in your life is pretty scary. You might be wondering about the process from the beginning to closing and what it all means to your personal finances.

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When Does Having a Mortgage Really Suck?

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Let me be the first person (today at least!) to tell you that owning your own home is a great idea. If you are looking to help build your financial wealth over time, then buying a home is a great way to build equity. It also has lots of money-saving benefits for you as well.

Mortgages are great in that they let many people afford homes, but at a certain point in life, they suck. Having a mortgage in retirement should be avoided.

The alternative to owning your own home is of course renting. Renting is very much like having a big hole that you keep pouring your money into and it never gets filled up. Even in 2020, and with my 70 years on planet earth, owning a home is still a pretty desirable goal to have and a good way to build wealth.

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Buy Everything You Need When It’s on Sale

Yes, it’s your biggest dream and a worthy goal. Only buy the things you want and need when they are on sale and always get the best deal when you do it! If only, right? Well, you may not be able to guarantee it, but you can at least try. And that leads me to my mantra and it must always be yours too: Never, ever buy any appliance, furniture, or any other item if it’s not on sale!

To save money on what you need, always buy on sale! Here's when and how to buy everything from homes and cars to clothing and home furnishings.

That must be your number rule if you wanna be “a star in my show”. And guess what? Retailers know you understand that and so they will use every way they can think of to trick you!

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7 Tips to Get Your Home Ready to Sell

For today’s guest post on getting your home ready to sell, please welcome Logan Allec from Money Done Right.

Selling your home can be a time-consuming process, and you can typically increase the sale price by making a few last-minute changes. Depending on the home’s current condition, your real estate agent may recommend drastic transformations or just some simple adjustments.

If you're getting your home ready to sell, it's important to spruce it up a bit to maximize your home's value. Here are some of the best ways to prepare.

This article will cover some of the best ways to prepare your home for sale and maximize its market value. Again, you should talk about these ideas with your agent—they have the knowledge and experience necessary to identify the most effective strategies for your unique situation.

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How to Choose a Great Home Lender for Your Mortgage

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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!

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20+ Ways to Reduce Energy Costs and Relieve Financial Pressure

Are you sick and tired of stressing about money all the time? One of the biggest challenges in personal finance is figuring out new ways to spend less money and one of the best ways to accomplish that is to cut down on your regular monthly expenses, such as reduce energy costs. When you do that, the pressure on your budget is relieved.

It is possible to reduce energy costs and save some money on a regular monthly bill. Here are more than twenty ways to help you save on energy.

Even though some of your regular bills might seem small and insignificant on their own, their cumulative effect can be enormous and become a huge drain on your financial resources. And the weirdest part of it all is that we just don’t try to stop that bleeding because they are regular routine bills we get on a monthly basis and it seems like they are all required and we have no options about them. But I am here to say that some people proactively look for ways to cut these routine expenses.

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Stop Buying These 8 Things and Save $6,320 This Year

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There are lots of articles about how you can save money by changing your lifestyle, sometimes even turning it completely upside down. I have even preached about such things as downsizing your home and even giving up your car and of course when you do those things you will save a ton of money. Those are real ways to do it if you are ready to really make big changes in your life like when you are entering into retirement or after the kids are gone and off on their own.

You can save money by making big changes or by cutting every luxury. But if you simply stop buying these 8 things, you can painlessly save more than $6,300.

Yet there are other little ways to save a lot by cutting out just a few of the small guilty pleasures in your life. People also write about some of those obvious money wasters and non-essentials such as Starbucks lattes and the high cost of cable premium channels that can really add up your expenses every month. But, life is too short to give up all of the little perks in life you love, isn’t it?

So what can you really do to save big money right now?

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