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Author Archive for: ‘Ginger’

First Time Home Buyer Tax Credit House

3 Mortgage Programs You Haven’t Considered – Yet

If you’re buying your first home, the mortgage application process can be a bit overwhelming. From shopping for mortgage rates to choosing a notary, you may not know where to begin. Thankfully there are several mortgage programs out there for homeowners in any financial situation. Find the mortgage program for you: Lock in the interest rate for the long term. …

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Home Improvement

6 Crucial Mistakes You’re Making When Applying For A Mortgage

Buying a home is a big decision; that’s why it’s a smart move to have as much information with you as possible when you go to the bank and apply for a mortgage. Having your entire financial life flashed right before your eyes can be an overwhelming experience, especially if you’re not prepared for it. Buying a home is a …

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Woman Money

How I’m Finally Slaying My Financial Demons

Really, this post should be titled how I got my financial life together after ignoring it for 2 years.  But we’ll go with slaying financial demons since I discuss the critters in depth below. After my divorce I gave up financially.  While my bills were paid, my focus wasn’t on paying down credit card debt, student loan debt or planning …

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Debt

How To Stop Hiding From Your Debt Conquer It Once And For All

Whether loans or credit card debt, the old saying ‘Out of sight, out of mind,’ won’t do you much good. In fact, it can lead to disaster. You have to face your debt squarely or it’s going to demolish your financial future. This is especially true when it comes to credit card debt. You can try to dance around your …

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Freedom

11 Burning Questions You Must Answer If You Want Financial Freedom

The summer is quickly coming to an end. As you enjoy the leisure and mellowness of the long summer days, don’t forget to use this hassle-free time to your advantage.  With summer being the slow work season, make sure you use the freedom to do some real planning and reflecting on the state of your finances.  To best prepare for …

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Can’t Afford a Master’s Degree? A Certificate Might Be the Answer

Going to graduate school isn’t cheap: According to Peterson’s, the average tuition cost for a two-year master’s degree program is $60,000 to $80,000. That’s not even taking into account living expenses, books, and fees, which can push the cost of your degree well over $100,000. While there are ways to ease the burden of a graduate education, such as employer …

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How Women Get Ahead in Male Dominated Fields

There’s no denying that women have made great strides when it comes to gaining equality in the workplace. Still, certain fields, such as criminal justice, engineering, finance, and science, are still largely dominated by males. Many women feel intimidated when entering these fields and struggle to get ahead when they do. With a few adjustments to how you communicate and …

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Give Back and Earn a Good Salary? It is Possible With These Careers

It’s a common perception: If you want to devote your life to helping others, you practically have to take a vow of poverty yourself. After all, jobs that involve giving back never pay well.  If you want to earn real money, you have to put your “saintly” instincts aside and focus on getting ahead at all costs. While it’s true …

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Appliances

Does Homeowners Insurance Cover My Rented Appliances?

Do you own a home but rent certain electronic equipment, like a TV or a DVD player? What would happen if the appliances were damaged in a fall or from a power surge from an electrical storm? Your homeowners insurance policy covers the items in your home that you own, but what about appliances from popular rental centers? Are you …

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SMshopper Bullhorn

5 Ways to Help Others While Helping Yourself

While no one wants to admit to having a “You scratch my back; I’ll scratch yours” mentality, many of us do keep subtle track of whether or not what we’re up to in our relationships, career, hobbies and the like are of any benefit to us. The trouble with wanting to come out ahead in every situation, of course, is …

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Woma Car Keys

The Girl’s Guide to Used Cars

It’s very likely that, at some point in your life, you’ll be the owner of a used car. Perhaps you’re just not interested in the high monthly loan and insurance payments that come with buying new or perhaps you’re interested in a specific older make and model. Regardless, used cars are often very wise choices when it comes to vehicle …

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Shopaholic

Up to Her Eyeballs In Debt: How Cait Killed $21,000 In Debt

Bad day? What do you do?  Spend money.  If you have a great day and want to celebrate what do you do?  Spend money.   Money, like eating, results in a temporary emotional comfort.  And just like over eating, over spending can be damaging over the long term. Overspending based on emotion “Emotional spending is nearly always a mistake” says Woman’s …

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StudentDebt

How One Woman Demolished $14,000 In Student Loan Debt

Congrats you have a shiny new degree – now what?  Let’s sum it up: you just spent the last four years of your life getting a college degree, you’ve put on the cap and gown and now it’s time to start your new life in the real world.  But how can you do that if you graduated with a ton …

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Bad Credit Loans

Got Bad Credit? Follow These 6 Effective Tips To Get a Bad Credit Loan

Bad credit sucks.   But most people have a period of time in their lives that their credit is not perfect.   In our credit driven society, those with bad credit know that it is very difficult to live without access to credit.   Fortunately, it is possible to get a loan with bad credit.   Of course, interest rates are higher for …

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Financial Planning 2

Want Financial Freedom? Create A 5 Year Financial Plan That Would Make Oprah Proud

I’m sure you’re already thinking, “5 years is too long for me to “plan” but in reality it isn’t.  We aren’t addressing what to do when you reach retirement or any other really long term goal.  Think of 5 years as the standard.  Or you can even take baby steps and start off with 1 year.  Either way, a plan …

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