When Refinancing Your Student Loans Can Backfire

Students

When Refinancing Your Student Loans Can Backfire

When Refinancing Your Student Loans Can Backfire

If you’re looking for a way to make your student loan payments more affordable, chances are you’ve looked into or heard of student loan refinancing options. Borrowers with federal student loans can refinance by taking out a Direct Consolidation Loan, or they can take advantage of some non-federal refinancing out there. Keep in mind that… Read More

Can You Still Refinance Your Mortgage?

Mortgages

Can You Still Refinance Your Mortgage?

Can You Still Refinance Your Mortgage?

Two weeks ago, the 30-year fixed-rate mortgage rate hit a 2014 low at 3.97%, according to Freddie Mac’s weekly mortgage rates survey. But late last week, the average rate had dropped to 3.92%. We’re seeing mortgage rates at historic lows, even after experts projected rates to rise significantly in 2014, and homeowners have taken notice. “Homeowners… Read More

America’s Biggest Financial Fears

Personal Finance

America’s Biggest Financial Fears

America’s Biggest Financial Fears

Bats and spiders may give us the willies, but do you know what kind of worries have staying power — and will last much longer than the hauls of candy little goblins and ghosts hope to bring home on Halloween? The boogeyman most of us fear is money, according to the latest Country Financial Security Index. And… Read More

What We Learned From Our #SpendingFreeze

Uncategorized

What We Learned From Our #SpendingFreeze

What We Learned From Our #SpendingFreeze

Inspired by this article, several Credit.com staffers tracked their own personal spending freeze on social media. After 3 weeks of trying to scale back spending and save for the holidays, we have a lot to share. We sometimes succeeded, sometimes failed, but mostly learned a lot and have some tips to pass along to anyone who wants… Read More

A Minimalist’s Guide to Saving

Personal Finance

A Minimalist’s Guide to Saving

A Minimalist’s Guide to Saving

Living with less may sound easy, but paring down can be difficult process. Minimalism offers great potential for financial savings as well as peace of mind, but the hardest part is often getting started. Here are some tips on becoming a minimalist if you are ready to start living with less. 1. Make a Plan It’s important… Read More

How My New Husband & I Budget

Personal Finance

How My New Husband & I Budget

How My New Husband & I Budget

On July 18, I married my husband, James Perkins. In three short months, we have learned how to set up and use a monthly budget with the goal of being a zero-debt household. James is a full-time student and we are supported by my small income and his part-time job. We built into our budget… Read More

5 Things Homebuyers Should Do Right Now

Mortgages

5 Things Homebuyers Should Do Right Now

5 Things Homebuyers Should Do Right Now

Have you decided it’s time to buy a home? Before you start popping in at open houses, or searching for your dream home online, there are a few essential make it or break it tasks you’ll need to tackle. After all, if you fall in love with a home, you want to know whether it’s… Read More

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