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By Mercedes Bailey
Having hassle understanding the place your funds is going? need assistance with credits, making an investment, and different monetary prone? This consultant presents every little thing you must get your self into monetary wellbeing and fitness. transparent directions and plans make an normally dry and complex topic effortless to appreciate. start to become aware of your monetary targets, this present day.
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Extra info for Cliffsnotes Managing Your Money
Sample text
Table 3-3 shows their money-saving steps. Table 3-3: Sample Strategies for Savings Strategy Monthly Savings Take lunch to work instead of going out $60 Take public transportation to work $40 Stop smoking one pack a week $10 Reduce fast-food and restaurant dining by 20% $60 Total estimated monthly savings $170 By saving this $170 per month, Monica and Joe will save an additional $2,040 in one year. Add in interest, and over the years, those savings will increase dramatically. Take a minute to identify four ways in which you can cut your monthly expenses to save more money and reward yourself for being a good money manager.
A point equals 1 percent of the loan’s principal. If a bank charges points, the interest rate is generally lower. The longer you intend to own your home, the less impact points have on your total costs. Home equity loans Equity is the difference between what you owe on your home and the market value of your home. After you build up some equity in your home and its value has appreciated, you can take advantage of this money by applying for a home equity loan. This line of credit is secured by the equity in your home.
The benefits of establishing credit are significant: ■ The ability to make major purchases when you don’t have immediate cash for the item(s) ■ A sense of security that you can handle an unexpected emergency by using credit ■ The convenience of shopping without carrying a lot of cash ■ Monthly itemized credit statements that enable you to track your purchases ■ Worldwide acceptance But establishing credit is a double-edged sword. With its benefits come some major disadvantages, including the following: ■ Easily available credit can make spending become second nature.