Credit Cards, Mortgages, Insurance & Personal Finance
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Actived: Thursday Dec 3, 2020
How To Use & Find the Best Cash-Back Credit Card | MoneyGeek
By law, the introductory rate must be six months, but 12 to 18 months is common for teaser rates. Your goal is to pay off the card monthly. A card's interest rate matters if you can't pay off the entire balance. A cash-back card isn't right for you if you expect to carry a balance because the interest cost will exceed the cash back you receive.
Living on a Low Income | MoneyGeek
For a single person household, the 2019 FPL was $12,490 a year. That means that a single person making less than $25,000 a year would be considered low income. For a five-person household, the FPL is $30,170 and the cut-off for low income is $60,340. There are significant racial disparities within the low income earner population.
The Guide to Budgeting | MoneyGeek
-Cut your grocery bill by clipping coupons and shopping at more affordable chain stores-In the winter, lower your thermostat by 10-15 degrees while you're at work. The U.S. Department of Energy estimates this can save up to 15 percent on your heating bill. Discretionary expenses: This is the spending category where you have the most control.
How to Find the Best Cruise | MoneyGeek
"In major port cities, you can find 2-for-1 coupons and discounts up to 40 percent off using e-coupon sites like Travelzoo, Groupon and LivingSocial," suggests Hannon. Prepare for the worst If you think you might get seasick, consider going to see your doctor for prescription medication (like Promethazine or a Transderm Scop patch) at home
25 Ways to Reduce Monthly Spending and Save More
Check prices at a few local spots, look out for coupons, or learn to change the oil yourself. Even putting $15 or $20 back in your pocket every time can add up. Get Car Repairs From Students. If there's an auto mechanic vocational school nearby, they may be happy to practice fixes on your car, at a reduced rate. Try Beauty School Haircuts
Understand & Calculate the Cost of FHA Mortgage Insurance
Mortgage life insurance pays off a loan when a borrower dies. Although mortgage insurance protects the lender, the borrower pays for it. The benefit for the borrower is that mortgage insurance acts as an incentive for lenders to make loans to borrowers whose down payment is smaller than 20 percent — sometimes a lot smaller.
The 5 Best Ways to Build an Emergency Fund | MoneyGeek Blog
Regularly root through your couch, car seats, pockets, purse and bottom of the washing machine for coins. Set up a jar in your house for daily deposits. Or when you get change from breaking a $5, $10 or $20 bill, instead of spending it, throw it in the jar. When it fills to the brim, shuttle it off into your savings account and start over.
Baby and Pregnancy Costs | MoneyGeek
The Cost of Having a Baby A Budget Guide to Pregnancy, Your Baby's First Year and Fertility Treatments Featured Expert Dr. Kacey Durant Department of Family & Community Medicine, University of Nevada View bio This guide was written by Jeff Benson ON THIS PAGE Financial Fundamentals Before You Have a Baby How Much Does Pregnancy …
12 Wallet-Friendly Tips to Prepare for the Holidays
The Coupons App, for example, offers non-expiring deals for more than 100,000 retailers. Other apps include Ibotta , which enables you to scan receipts for grocery purchases or get cash back, or Walmart's app, with the Savings Catcher feature — just scan your receipt and the app crawls the web looking for better deals on those items elsewhere.