Reality Road Trip: Mapping Your Way To Retirement
by Robert O. Stachura
Looking forward to his retirement at 55, Jim figured that between his pension and distributions from his federal Thrift Savings Plan, he'd make out just fine financially. He figured wrong. A lifetime of steady employment, with retirement benefits, was not enough to put Jim into...
10 steps to improve your financial situation
by Gregory Thomas
Here are ten tips you can use to help improve your personal financial situation and inevitably save more money: 1) Pay Yourself Weekly. This may seem a bit odd, but this is an excellent way to start building a substantial savings. On a weekly basis, pay yourself $25-$50 and immediately put it in a safe place. You can even open a special savings account where this weekly "payday" can be placed to help minimize or eliminate impulsive spending...
DebtSmart Email Newsletter: 7/2/03
by DebtSmart Email Newsletter
In This Issue; Cool Quote; Letter from the Publisher; DebtSmart® Help Center; Reality Road Trip: Mapping Your Way to Retirement; Household Math™: Timing is Everything 10 Steps to Improve Your Financial Situation Credit Card and Debt Management Do What You Can!; DebtSmart Resources; Subscribe/Disclaimer Information
Do What You Can!
by Doris Dobkins
Do you have debts that feel hopeless? Do you neglect having a savings account because you don't have any money at the end of the month to make it even worth your while? If this is you, I want you to...
Household Math™: Timing Is Everything
by Scott Bilker
Out-of-pocket cost versus payment timing; what is the effect? Here are three $2,000 loans that are paid off in exactly one year: (1) payments of $180 per month for 12 months; (2) eleven monthly payments of $100 and a final payment of $1,060; (3) monthly payments one through five are $100, the 6th payment is $1,060, and the remaining monthly payments are $100. Which loan is best (i.e. has the lowest interest rate)?
DebtSmart Email Newsletter: 6/18/03
by DebtSmart Email Newsletter
In This Issue; Cool Quote; Letter from the Publisher; Reviewing DebtSmart.com How to Stick to Your Budget; Household Math™: Cell Phone Plans Easy Come Easy Go; DebtSmart® Help Center; Single Stay-At-Home Mom; DebtSmart Resources; Subscribe/Disclaimer Information
How to Stick to Your Budget
by Terry Rigg
Let's face it. The day-to-day drudgery of trying to figure out how to best spend your money isn't the most interesting aspect of our lives. Let me see if I can make the budget process a little more appealing to you.
Single Stay-At-Home Mom
by Gary Foreman
Do you think it is realistically possible for a single Mom of a 15, 12, and 6-year old to stay home with her children? I do not have a profitable skill, a degree or money in the bank. All I know is that a tired, stressed-out mother is not what I want for my kids. They deserve more of me.
Household Math™: Which Mortgage is Better?
by Scott Bilker
I am trying to decide whether to refinance my home mortgage (again). We would like to reduce the time to payoff and are considering a 15-year loan at 4.75% APR. We currently owe $166,312 with 341 payments of $1,060 left at 6.375%. The new loan generates 180 payments of $1,293. If I just took the extra $233 and paid toward my current loan would I be better off?
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