House and Home
What is a Second Mortgage? Advantages and Disadvantages
A second mortgage is an additional loan on your home subordinate to the primary mortgage on the property. Homeowners take out a second mortgage for a number of reasons, such as to improve their home, to [...]
When is the Right Time to Refinance Your Home?
With the Federal Reserve doing everything it can to keep interest rates low in the United States, mortgage rates have reached historic lows week after week. If you are a current homeowner the dropping rates could [...]
Buying a Home? How to Get the Best Mortgage Rate
With home prices still fairly low in many markets, it is little surprise that some think that now is a great time to buy. Buying a house is a big commitment, and it’s a big expense. The [...]
Why Tenants Need to Buy Renter’s Insurance
Tenants often forgo renters insurance under the assumption that either they will be covered under the landlords insurance, or that it’s really not a big deal. But even though you don’t own the building, you still [...]
How to Find the Best Mortgage Rates and Refinancing Options
Whenever you are trying to improve your debt situation, whether you are trying to pay down credit cards or refinance your home, it can help to have a solid idea of where you stand. Being able [...]
Why We Choose to Live in a Smaller Home
Not too long ago, unhappy with our rapidly deteriorating carpet my husband announced that he was thinking that maybe we should move to a larger home. His desire for a larger home also stemmed from the [...]
How Much House Can You Afford to Buy?
Mortgage interest rates are at historic lows as a result of one of the worst global recessions in modern times. The housing market remains sluggish, which has driven down the price of homes making them very [...]
5 Fall Tasks to Get the Most Out of Your Garden Next Year
As cool weather approaches, all but the most avid gardeners begin thinking about putting our gardens to bed for the winter. If you’ve grown weary of gardening, it’s tempting to just let your garden die and [...]
Is It Time to Start Thinking of Buying a House?
The Federal Reserve just announced an open-ended quantitative easing program that will pump $40 billion a month into the economy in the attempt to stimulate growth. The move is designed to keep borrowed money cheap, and [...]
Which is Better: Points or No Points on Your Mortgage?
Buying your first home can be a confusing process, and one of the most confusing aspects is financing the home. If you’re not financially savvy some of the terminology used in the mortgage industry can make [...]
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I'm just an average mom, trying to live a frugal life and get out of debt. I write about things that have (and haven't) worked to improve my family's financial situation. What works for me may or may not work for you, and you should always consult a financial advisor before making important financial decisions.
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