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Plan Your Financial Future Now

making a budgetThe best way to prepare for your financial future is to have a budget that you can follow and adjust as you work through each month. There are many doable ways to put together a budget, but all entail gathering the best information you can from your past financial records.

Using Past Expense to Predict Future Expenses

Both checking accounts and credit card records provide a good place to start. For most families, housing expense is the largest and most important expenditure. These expenses include mortgage or rent, utilities, taxes, insurance, and maintenance.

Jan 9, 2019
How 'frugal minimalism' helped this woman pay off her mortgage in five years
Julie Compton
Kim Lee, the personal finance maven behind “Free to Family,” a YouTube channel with over 41,000 subscribers, says she paid off her quaint four-bedroom house in Arizona in five years through a way of life she calls “frugal minimalism.”

Lee says it’s possible to find an affordable home and to pay off your mortgage if you focus on being intentional with your money. Here’s how she says she did it. More info...

Jan 8, 2019
2018 Tax Preparation Software
Downloadable Software
H&R Block Tax Software Deluxe + State 2018 with 5% Refund Bonus Offer
by H&R Block
Platform : Windows Vista, Windows 8.1, Windows 10, Windows 7, Mac OS X 10.9 Mavericks More info...

Jan 8, 2019
Adjustable Rate Mortgages - Not Worth the Risk
A fixed rate mortgage loan is a better choice.
With interest rates on fixed-rate mortgages rising in recent months, an adjustable-rate mortgage (ARM) still does not make sense.

According to the Mortgage Bankers Association, adjustable-rate mortgage loan applications now account for only 7 percent of all mortgages.

Adjustable-rate mortgages only make sense for home-buyers when the spread between a fixed-rate mortgage and an adjustable-rate mortgage increases to the point that there are significant savings in payments. In today's market adjustable rate loans might actually have higher interest rates than fixed rate loans and are far riskier. More info...

Jan 8, 2019
2018 Tax Preparation Software
Downloadable Software

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