Mortgage Loan Types – Home Buying

adminHome, Home & Mortgage, House, Loans, MortgageLeave a Comment

Home Buyers and First Loans Buying your first home? You may be thinking the hardest decision you have to make is picking a house.  However, the hardest decision you will be making in this process is what mortgage loan to sign for.  The main types of loans are: fixed rate, adjustable rate, interest only and reverse. Federal Housing Administration (FHA) … Read More

Credit Reports – The Knowledge You need to Know

adminChristian Credit Counselors, Debit & Your Credit Score, Money ManagementLeave a Comment

Improving Your Credit Score The best way to improve your credit score is to improve your knowledge on credit reports.  There are three major credit bureaus that put together your credit report: Equifax, TransUnion, and Experian.  Although the information they gather is yours, you do not own it, these agencies own your information.  They have collected the information and they … Read More

Money Saving – Top Ten Tips

adminBudgeting, Money ManagementLeave a Comment

Setting a Spending Plan At the beginning of each year, many Americans include “get out of debt” on their list of New Year’s resolutions and then seem to live under the illusion that they will be able to wish this into reality since a spending plan is never created or written down. The most important part of taking control of … Read More

Money Saving Tips at the Pump

adminGasLeave a Comment

Average National Gas Prices The national average for a gallon of gasoline has hit $3.76 and is increasing daily. On top of that, gas has topped $4 per gallon in Alaska, California and Hawaii, with several other states close behind. Unless you are planning to switch to a bicycle anytime soon, the following 6 ways to save of gas will … Read More

Financial Planning – The Importance of an Emergency Fund

adminBudgeting, Credit CounselingLeave a Comment

A National Foundation for Credit Counseling Poll A recent online poll released by the NFCC (National Foundation for Credit Counseling) revealed that a majority of American consumers don’t have enough savings to cover a $1000 emergency expense. Only 36 percent of respondents said that they would have enough to cover a $1000 unplanned expense, the remaining 64 percent of those … Read More

Budget Tips for Your Vacation

adminBudgeting, SavingLeave a Comment

Summer Vacation and Your Budget Summer is quickly approaching, and if you haven’t planned a vacation yet, you have at least thought about it. With the current state of the economy and the rise of gas prices, you may think you won’t be able to afford a vacation this year. But, there are a few ways you can take some … Read More

Your Wedding Budget

adminBudgetingLeave a Comment

Budgeting for your Wedding With the Royal Wedding happening tomorrow, wedding buzz has been in the air. What does the dress look like, how many people are they inviting, and how much is this wedding going to cost?! Although we all cannot fork out the reported $65 million, which is about 2,000 times as costly as the average British upper-middle … Read More

April is Financial Literacy Month

adminMoney ManagementLeave a Comment

Financial Literacy In a proclamation on March 31st, President Obama explained how important it is to be financially literate and to have access to trustworthy financial services and products. “The financial crisis was fueled by a lack of responsibility from Wall Street to Washington,” Obama said. “It devastated ordinary Americans, many of whom were caught by hidden fees and penalties … Read More

Credit Card Debt and Five Habits You Need to Break

adminChristian Credit Counselors, College Debt, Credit Cards, Credit Counseling, Debit & Your Credit Score, DebtLeave a Comment

Breaking Credit Card Debt Being in debt is no fun, but having fun costs money and that is what got you in debt in the first place. Credit card debt can creep up on you if you aren’t keeping track of your spending habits. Here are 5 things that are keeping you in debt that you might not even be … Read More