One way to lighten the load on your student debt is to refinance your loan through a private lender. Ideally, you’ll be able to get a lower interest rate, which will lower your monthly payment and reduce the amount of interest you’ll pay over the life of the loan. This can be a win-win when...
Read more about Pros and Cons of Refinancing Student Loans
Spending money is a fact of life. You need to spend money to pay for the essentials, like food, clothing, and a roof over your head. So it’s good to know that a budget can help you manage those expenses and keep your spending in check. To avoid impulse purchases and other temptations, try to...
Read more about How to Save Money and Spend Less
What is an emergency fund? Sometimes called a rainy day fund , an emergency fund is money that you set aside to serve as your financial safety net for when you need it. What qualifies as an emergency? To a certain extent, an emergency varies by the individual, but one way to think of it...
Read more about How to Start an Emergency Fund
Learning how to live on your own can be an exciting time in your life, but it’s also a big and costly transition. One of the first and most important decisions you’ll need to make involves finding a place to live that fits your budget. Because this is typically your largest expense, it raises the...
Read more about How Much Should You Spend on Rent?
When it’s time to buy a new car, we all have our own ideas about what makes it the right fit. Some of us want more legroom, others want more cargo space. Then there are those who just want a killer sound system and great rims. While many of the features offered by manufacturers may...
Read more about Safety Features to Consider When Buying a Car
Credit card debt can be daunting. Like any mounting debt, it comes with concerns about how it may be affecting your credit rating. Knowing how to do a balance transfer could be an efficient way to help pay down debt – and improve your credit. Moving your balance from a high-interest credit card to a...
Read more about How to Transfer Credit Card Balance
Now more than ever it’s difficult to navigate life without a solid credit history. From applying for a loan to renting an apartment, good credit is a must. If you’re just starting out and lack any form of credit history – or the information on your credit report is mostly negative – the following are...
Read more about How to Build Your Credit
You’ve planned a motorcycle road trip for weeks, but when you open the garage door, you see it. Your motorcycle has a flat. For an experienced rider who knows how to change a motorcycle tire, this might be a simple fix. If you’re not sure, it helps to learn what to do to replace your...
Read more about How to Change a Motorcycle Tire
Depending on the type of business you own, buying a company car could provide some noteworthy benefits. It might come in handy for deliveries or driving between work locations, and the tax benefits of owning a business vehicle are substantial. But like any major purchase, there are several things to consider before you sign on...
Read more about 10 Tips for Buying a Business Car
A revocable living trust, or simply a living trust, is legal entity created to hold ownership of assets generally used to determine how their assets will be handled after they die. The person who creates this living trust is called the grantor or the trustmaker and typically also serves as the trustee, meaning they handle...
Read more about What Is a Revocable Living Trust?
While many people think tornadoes impact only the Midwest, every state in the country is vulnerable to tornadoes, according to the National Oceanic and Atmospheric Administration (NOAA). Approximately 1,200 tornadoes hit the U.S. each year, causing an average of $24,000 in home damage and $4,000 in auto damage Strong winds from tornadoes can seriously damage the structural...
Read more about How to Prepare for a Tornado
Whether you’ve owned one before or you’re new to riding a personal watercraft (also known as a PWC), selecting a PWC that best suits your lifestyle and budget requires research and time. To help make the selection process easier for you, we put together these buying tips for personal watercraft. Knowing What to Look For...
Read more about Jet Ski Buying Guide: What to Know Before You Purchase
No one could ever love your children quite like you do. But in the unlikely event that both you and your partner pass away, it’s important to have a guardian named in your will (the only place where this directive can be given) who can care for your children in your absence. Deciding who this...
Read more about How to Choose a Guardian for Your Child
Low-budget landscaping needn’t be bare-bones. A little money and effort can create a big impact regardless of how much space you have. Before starting your backyard renovation, have a design in mind. It’s easy to be wooed by beautiful blooms at nurseries. If you have a plan, you’re more likely to purchase the right plants...
Read more about 7 Backyard Landscaping Ideas on a Budget
Any sudden, unplanned decision to purchase a product or service is considered to be impulse buying. These spur-of-the-moment purchases can be big or small, but they are never planned. If you’re standing in line at the supermarket checkout and suddenly decide to purchase a candy bar, that’s an impulse purchase. But the same can be...
Read more about How to Stop Impulse Buying