Considering Solar Panels to Reduce Your Electricity Bill? Keep these Facts in Mind
When you’re budgeting, planning for expenses can be a challenge. One area where this hits most people’s budgets is electricity bills. This unpredictability, coupled with rising energy costs, can put a strain on your finances. This may have you wondering: how can you lower your electricity bill and make it more consistent over time? One solution…
Read MoreGuide: Protecting Your Finances from Climate Change
Start here The Hidden Impacts of Climate Change on Your Financial Health and Well-being You may be surprised by all the ways extreme weather can affect your finances. Read More Featured Articles March 14, 2024 How Does Climate Change Impact Your Insurance Coverage? Learn how the climate could affect your insurance costs, coverage, and claims,…
Read MoreHow Does Climate Change Impact Your Insurance Coverage?
In 2023, the United States saw 25 extreme weather events including winter storms, tropical cyclones, drought, wildfire, and flooding. And that’s not accounting for the secondary effects like power outages, transportation delays, and impacted disaster response programs. It can be challenging to plan for the potential effects of climate change when you’re already managing a…
Read MoreTop 10 Household Expenses to Consider When Creating Your Family Budget
The largest chunk of a family’s budget typically goes toward housing and household expenses, according to QuickBooks. Covering such big costs every month can be overwhelming, but building a solid budget for your household expenses can help you feel prepared and less stressed. Average Household Expenses In 2023, housing is the largest expense most families…
Read MoreHow to Balance Long-Term and Short-Term Savings Goals
We all know it’s important to save money. But how do you balance saving towards both your short-term and your long-term goals? I recommend creating a savings plan that takes your budget, goals, and timeframe into consideration. This can help you be successful in saving in both the short and long-term. Define Your Goals First,…
Read MoreI want to buy a house, but my credit isn’t good. What can I do?
I want to buy a house, but I have bad credit. Should I file bankruptcy? What should I do? Submitted by Marcella S. Buying a home is many people’s idea of achieving the American Dream. But the road to homeownership can be stressful, confusing, and overwhelming. When I purchased my first home, I had no…
Read MoreCan I get a 30 year mortgage at age 65?
Submitted by Darlene D. For many people, homeownership is an essential part of achieving the American Dream. I applaud you for pursuing your home ownership goals. In my professional opinion, it’s never too late to buy a home as long as you can afford the mortgage. With modern health advances, people live much longer. So…
Read MoreI own a home, but I would like to move and rent out my home. What’s my best option?
I own a home that I bought only two years ago. In five years, I would like to relocate to Nevada. I’d like to rent out my existing home to have some net income, but I also would like to purchase another home in Nevada. I have no savings for a down payment for the…
Read MoreWhat to do when a land contract is paid in full? How do I add it to my credit report? I
Submitted by Renee K. This is a great question. Before your question, no one has ever asked me about land contract homes, so thank you for letting me get this info out! What’s a land contract? Real estate land contracts are direct agreements between a buyer and seller. The buyer purchases property directly from the…
Read MoreHow much should I save before I buy a house?
Buying a home is a big life decision. One of the questions that will come up is how much you should save before starting the home buying process. Here’s how to answer that question. Buying vs. renting a home The first step is to make sure that you’re buying a home for the right reasons.…
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