Paying bills late: Late penalties can make up about 10-15% of your monthly bill. If you are frequently paying your bills late, that means you could be paying about 10% more on bills per year than you should be. If you are almost always paying some bills late, such as
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What Do You Need To Apply For A Mortgage?
Full tax returns from the past two years. You can request copies by filling out the form “Request for Copy or Transcript of Tax Form” from the IRS. Two most recent pay stubs from your employer. If you haven’t saved them, you can request them from the human resources
Continue reading10 Best Home Improvement Projects For Your Dollar
msn Curious about ways to add value to your home or are you getting ready to sell? When thinking about home improvements, it’s crucial to think in terms of getting the most return from your investment. Here are ten projects you can do that will add
Continue readingIn The Market For A New Washer And Dryer? Read These Tips Before Buying!
Consumer Reports Better efficiency can mean longer wash times: The most efficient washing machines save about $1,400 over a 10 year span and use approximately 110,000 fewer gallons of water than a 10 year old top loader with a center agitator. Another plus to these new machines is that
Continue reading5 Ways To Save On Your Energy Bill
Caulk and seal air leaks: Look for leaks around plumbing lines, recessed lighting, electricity wires, windows, attics, and crawlspaces. Sealing off these leaks can save you up to $220/year per U.S. EPA. Consult an HVAC contractor: Have a professional inspect all the ductwork in your home and make any repairs
Continue reading5 “Nevers” To Avoid Scams
Never skip a month of going over your financial statements. Never give out credit card info, debit card info, or your Social Security number unless absolutely necessary. Never buy a product that makes unreasonable claims. Never contribute to charities that you have never heard of; check with the Federal
Continue reading6 Money Saving Tips That Really Work
Sort your groceries: After grocery shopping and before checking out, get a second cart and take out all of the items from your first cart that are things you just want, such as chips, ice cream, cookies, etc. Once you do this with your entire cart, add up how much
Continue reading$500 In Energy Savings In 5 Rooms
Herald News $215 in the living room: Replace the 5 most frequently used incandescent light bulbs with compact fluorescent bulbs to save $65 a year. Also, installing an Energy Star qualified programmable thermostat can assist homeowners in controlling the temperature when they are away from home and sleeping at night
Continue readingWays To Quickly Raise Your Credit Score
The first step to improving your credit score is to know what your score is. The three major credit bureaus are required to provide a free copy of your report every year, so go to www.AnnualCreditReport.com to request a free report every 4 months. Correct errors: Go over your report and
Continue readingKitchens For All Budgets
Around 1.5 million homeowners will redo their kitchen this year; here is a quick look at what various remodel budgets will get you: Do it yourself: Costs around $5,000 and takes around 1 month to complete. This would mainly include painting the cabinets and walls yourself, installing a vinyl floor,
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