Budgeting For Financial Stability

About Me

Budgeting For Financial Stability

Hi there, my name is Lyn. Welcome to my website about finance and money. When I was living on my own, I spent my money like crazy. Every penny went to bills and purchases, leaving me broke by the week’s end. I eventually learned how to better control my money by making a detailed budget. My budget covered all of my expenses and allowed me to save more of my money each week. I will use this site to explore all of the ways you can budget your own money to increase your financial stability. Thank you for visiting my site.

Understanding Your Debt To Income Ratio

Your credit score is key if you are a first-time home buyer. The mortgage lender, someone like Rio Grande Credit Union, wants to see a good score, with several revolving credit accounts that have been successfully handled. They need to see that you can honor your commitments to your creditors and that you respect the credit concept. But what about your debt to income ratio? Here is a look at what you need to know so you're not surprised. Read More 

2 Reasons To Work With A Financial Planner After Getting Your First Real Job

If you recently finished school and have been hired on at your first real job, your income likely has just changed drastically. While this increase in income is a great thing, it can also be kind of overwhelming to figure out the best way to budget it. A great way to do this is going to be to hire a certified financial planner. This article will discuss two reasons to work with a financial planner after getting your first real job. Read More 

Rejected! The Top 4 Reasons You Could Be Denied A Home Mortgage Loan

If you could anticipate the reason a bank or lender might reject your loan application, you could rectify it before ever applying. The following four typical reasons for credit denial will give you insight, so you don't have regret, in hindsight. 1. Flat Out Credit Score Denial Don't apply for a loan before you examine your credit report for yourself. Check that all the information is accurate and if it's not, contact the company who reported the erroneous information. Read More 

Three Reasons To Consider Refinancing Your Car Loan

There can be financial advantages to refinancing a vehicle loan, but it depends upon your circumstances. The following are three reasons you might want to consider refinancing your car loan. Your credit is much better now The biggest factor in determining your interest rate for your car loan was your credit rating, but if there has been a significant change in your credit score since you first applied for your car loan, you may be able to refinance the loan at a lower interest rate. Read More 

Learning Accounting Software Before Tax Season: It Is Not Too Late

It is the top of December, the rush for Christmas is on, and you are feeling the pressure in your wallet. You want to keep better track of your money, but how? Accounting software would be great, but you do not know how to use it and anyway, it is already too late in the year for that, is it not? Actually, you could get the accounting software and still learn it in time for tax season. Read More