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Thursday, March 28, 2024   
 
Articles written by Scott Bilker
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Survey: Questions To Ask Yourself Before Spending
by Scott Bilker
I don't like to tell people how to spend their money. My goal is to help them be financially efficient by being DebtSmart. However, a major component of saving money is cutting spending in specific budget categories. A simple way to help cut spending is to ask yourself some questions prior to every purchase.
 
Survey Results: Personal Budgets
by Scott Bilker
Fixing debt and spending problems first requires knowing where they exist. To know that involves tracking spending, setting goals, and being very organized. How organized are you?
 
Credit Card Balance Transfers Credit Card Balance Transfers
by Scott Bilker
I would like to use a credit card introductory rate to pay off a bank loan. I will need to borrow $13,000.00 credit to pay off the loan. I have heard that if my credit report shows too many credit card company requests within one year that I will be turned down for new credit cards...
 
What is Better? Fewer Cards with Higher Balances, or Many Cards with Smaller Balances? What is Better? Fewer Cards with Higher Balances, or Many Cards with Smaller Balances?
by Scott Bilker
My husband and I are preparing to buy a new home. We want to clean up our credit card accounts to better our chances for a mortgage. We were considering paying off our credit cards with smaller balances using other credit cards. What is better when your credit is being considered for a home loan--fewer credit cards with higher balances or more credit cards with smaller balances?
 
Household Math™: Mortgage Savings Household Math™: Mortgage Savings
by Scott Bilker
You have a 30-year, 7% APR, $150,000 mortgage. You know that you're going to pay back far more than $150,000 in that 30-year period and you want to save money. You decide that you want to save 50% of the total money repaid under the 30-year terms. The question is, how much more, by percent, do you have to increase your current monthly payment to save 50% on the overall payments compared to the original mortgage?
 
Survey Results: Who Really Pays the Bills Commentary Survey Results: Who Really Pays the Bills Commentary
by Scott Bilker
Thank you for making last issue's survey such a success! As usual, you all teach me so much about how families deal with finances. I can always depend on your comments and I do appreciate that!
 
Survey Results: Who Pays the Bills Survey Results: Who Pays the Bills
by Scott Bilker
I hear from my friends that their wives or girlfriends are the ones that handle the household finances; that actually pay the bills. However, I'm not so sure that can be generalized to the average household so I'm going to need your help to find out who really handles the household finances.
 
Survey Results: The Rich; Love'em, Hate'em
by Scott Bilker
Every day you hear about another CEO that's made millions while sticking it to the little guy (or gal). They make millions while we owe millions. Is it fair? But what about the people that worked hard to get their wealth? The people that sacrificed years of their life to accumulate wealth and live the American-dream. Do they deserve it? Should they have to give it back?
 
Household Math™: Car Insurance Payments vs. Credit Card Offer Household Math™: Car Insurance Payments vs. Credit Card Offer
by Scott Bilker
Your auto insurance bill arrives; it's $600.00 for 6 months of coverage, ugh. Luckily, to make paying easier, they give you the option of spreading this out over 3 monthly payments. The catch is...
 
Survey Results: Can Money Buy Happiness?
by Scott Bilker
You hear it all the time, "Money can't buy happiness," but I'm not convinced. I know a family that won $1 million in the lottery. They were unhappy and cranky prior to winning. After they won, they looked 10 years younger and were much happier and nicer. I wonder what you think. Please let everyone know your feelings by taking this survey.
 
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