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Save Money On Your Mortgage

Finding little ways to save money on everyday expenses is super important for financial well-being. However, when it comes to the biggest expense in the budget, people sometimes get lazy with their frugality. Fortunately, it’s easy to cut out a lot from your budget simply by saving money on your mortgage. Home Refinancing The most automatic way to save money on your mortgage is to refinance your mortgage. The easiest way to explain what a mortgage refinance is is to imagine that you’re canceling your original mortgage and getting a new one at a lower interest rate. Usually people will go to a new lender to get a better interest rate, perhaps even an international lender like STK Finans. Obviously refinancing a mortgage isn’t free – fees can run in the hundreds or thousands of dollars, depending on how large the balance is. However, once you’ve refinanced, the lower interest rate automatically begins to save you money. Plus, when you’re getting the new mortgage, you can shorten the term of the loan to save even more! Find a Roommate The […]

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Tips for Turning Your Credit Around in 2016

Credit scores will matter even more in 2016 than they did in 2015. With the economy threatening to see interest rates rise, lenders are going to place more weight on this score than ever before. Don’t be left behind or you could find it impossible to obtain any type of loan. Those who already have bad credit are in the most vulnerable position. We’re going to show you how to turn your credit around in 2016.  Figure Out Your Budget To begin with, you must figure out your incomings and outgoings in a normal scenario. In other words, take your salary and your conventional household bills. Only then should you add on your debts. After that, look at whatever you have left. You have to change your budget until you can at least cover the repayments on your outstanding debts. Paying your bills at the right time is the cornerstone of any credit score. It accounts for at least 30% of the whole thing, which is by far the biggest proportion. Total Credit Limit For each credit card you have, […]

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