Earn, Save, and Live Joyfully.
It seems you may need an emergency fund after all. A HELOC, (home equity line of credit), may not be available to you in case of emergency. Countrywide Home Loans sent letters to at least 122,000 homeowners nationwide informing them they can no longer draw on their home-equity lines of credit. Many homeowners rely on … Read more
I know that a lot of people do not believe in paying off a mortgage early. I am not one of those people. Since the day we bought the house I have been dreaming of owning it outright. My father paid off his mortgage 7 years early. With his house paid off and a decent … Read more
I have co-workers who seemed determined to work forever. When I ask them about retirement they always say they see no need to quit working. Honestly, it’s difficult to determine whether they need the money or they just like going to work each and every day. One sixty year old woman I know says she … Read more
As I mentioned last week my husband and I decided to take the plunge and refinance our home. We can’t be certain where rates will ultimately land, but between the low interest rate and the low closing costs we figured we might as well jump in. As part of the loan application process the lender … Read more
As I mentioned in my previous post I purchase a lot of items for free or nearly free at my local Rite-Aid drugstore. The process for attaining items is easy. At the beginning of each month I click over to Rite-Aid’s Single Check Rebate page to view the current list of rebates available for the … Read more
On Friday night as we were drifting off to sleep my husband asked if I was going bargain shopping on Sunday morning. Every Sunday morning I head out to the drug stores, (which are extremely close to my home), to pick up the latest sale items. Through CVS’s ECB program and Rite-Aids single check rebates, … Read more
As I mentioned yesterday my husband and I decided to refinance our home. We considered waiting to see if rates would continue falling, but ultimately decided this was the right time for us. Of course it never hurts to find financial experts who agree with our decision. So I poked around the Internet and found … Read more
Torn over the idea of refinancing your home? My husband and I have been debating the issue for days. Should we wait for rates to drop even further or lock in on a low interest rate right now? Today my husband and I turned to the trusty Internet to find our answer. First, using online … Read more
I need to purchase two new blenders. The ones at the beach are in constant use by our renters, (who doesn’t like a round of margaritas by the pool), and consistently broken. In the three years that we’ve owned a beach house I’ve purchased four blenders. We keep two in the house and this year … Read more
As you wait and watch the ever so turbulent stock market sink lower and lower, keep Warren Buffet’s words in mind… “Be fearful when others are greedy and greedy when others are fearful.” For now, I’m holding tight in the market. I’m not buying or selling, but if prices continue to fall I might begin … Read more