Buy Smart and Track Your Expenses

Buy Smart and Track Your Expenses

Tracking Your Expenses One of the reasons many consumers overspend is because they don’t track their expenses, so they are clueless about how much money they have except for perhaps soon after they get paid. If you use only cash or your debit card to make purchases,...
Good Debt Vs Bad Debt

Good Debt Vs Bad Debt

  What is Debt? Debt is anything that is borrowed by one party from another, but in this context the focus is on money borrowed. When someone borrows money, there’s usually an arrangement for the debtor (person who borrows the money) to repay the creditor (the...
Should You Refinance Your Mortgage?

Should You Refinance Your Mortgage?

What does it mean to Refinance a Mortgage? Refinancing a mortgage is when you renegotiate your current mortgage loan agreement — usually to access the equity in your home — to replace it with a new loan agreement. When people pay down the principal on...