Shop with Cash for the Holiday Season Save money for the holiday season by shopping with cash, sounds simple but the number or people who shop with credit cards, feeling that their budget is unlimited is huge. You don’t have to fail at holiday shopping just because your neighbor is, or you THINK everyone else […]
Author Archives: MsFinancialSavvy
Should You Sell Your Home With a Real Estate Agent or Sale by Owner
Sell Your Home With a Real Estate Agent and Avoid Major Mistakes Here are major issues you may face selling your home by owner: Real estate agents know the process and documents you need to execute the entire selling process properly. The real estate agent will understand how to fill out all the real estate […]
9 Great Ways to Understand Mutual Funds
How to Understand Mutual Funds Understand mutual funds by beginning with the definition of a mutual fund, and then going on to understand the different types of mutual funds. A mutual fund is a company that pools money from many investors and invests the money in securities such as stocks, bonds, and short-term debt. The […]
Your 3 Investment Stops To Start Investing
Don’t Let Negative Thinking Place You in Investment Stops, Start Investing Now Here are 3 investment stops to start investing money for retirement, savings, vacation or just a rainy day. It is essential that if you want to retire ever. I don’t have enough money to invest. I have to pay off my bills first. […]
How a Budget Can Create Financial Freedom in 5 Ways
Financial Freedom Know Where Your Finances Are First Since the most important aspect of financial freedom is no or low debt, I will start with debt. There are those who are in horrific debt and they don’t know it, as high debt is a major robber baron of financial freedom – it is important to […]
Owner-Occupied Real Estate Now and in The Future as A Personal Investment
Owner occupied real estate now and in the future Your owner-occupied real estate now and in the future, is one of the best long-term investments one can make. Time has shown that owner-occupied real estate can produce tremendous long-term returns. In a few areas of the country the tremendous returns have even been short-term. In […]
9 Ways Big Box Stores Like Costco Entice You to Buy More Than You Need
Big Box Stores Like Costco Start with The Costco Website First of all, big box stores like Costco entice you to sign into their website with your Costco card number, although they say that is not a requirement. Most of the prices on the website have discounts. So, that would place most of them on […]
Student Loans Can Be Scary, Do Your Homework
Student Loans Scary The Cost of a College Education Can Be Outrageously High if You Are Not Careful During the past 20 years the cost of a college education has skyrockted way past the rate of inflation. Educational cost are far above the reasonable loan repayment with an entry level job. The average entry level pay of […]
A Word About Home Loans
It is best to build equity in your home over a number of years. Your goal should be to pay your home off in 15 or 30 years or earlier, if possible. Then sell it, and live off the proceeds as part of your retirement, or leave money to your heirs to start their own […]
Your 7-Year-Old Child’s Budget
If a 7-year-old has a great child’s budget, will that make him a frugal adult? It may, and it may not. But, we do have lots of evidence to suggest that spoiled children often become over spending and greedy adults. What happens at 7 could easily happen at 70, since good and bad habits grow […]
