You know the old adage that money doesn’t grow on trees: We can’t just pluck a few bills off the branches and spend frivolously, knowing more cash will grow right back. For most of us, money is a limited resource that takes us effort to earn. Once we earn it, it can take us even more effort to save it. So if you’ve been seeking answers to the question, “How much money should I have saved?” the response depends heavily on how old you are and what you’re saving for.
Whether you’re looking to make a big purchase, cover an emergency expense, or build your credit, getting a loan from the bank can provide the extra cash you need to make it happen. But you can’t simply stroll into a bank and walk back out with the cash you need in your pocket. However, there are a few things to keep in mind when applying for a personal loan that will help make the process easier. Our quick guide explains how to get a loan from the bank and how you can improve your chances of being approved for the money you’re asking for.
If you’ve recently opened a checking or savings account, you may be wondering how to keep track of everything. How do you check to make sure transactions are correctly documented in your checking account? How do you monitor for fraud or keep track of spending and saving? Where can you see the interest you’ve accrued in your savings account? For answers, this is where the bank statement comes in.
If you’re purchasing a home for the first time, you may not be aware of other costs associated with buying a home in addition to monthly mortgage payments. One of those costs is private mortgage insurance, commonly referred to as PMI. For many homebuyers who have not been able to save for a big down payment, PMI can help them to still purchase a home instead of having to pay rent. Let’s look at homebuyers’ commonly asked questions
about private mortgage insurance, what its purpose is, and when and how you can stop paying it.
From weight loss to time management to learning sign language, there’s a phone app out there to help you accomplish nearly anything. But how many apps on your phone can you say are helping you reach your goals on a daily basis? To help you get on track with your saving and budget goals, a free budget app may be just the guide you need. There are a lot of reputable budgeting apps available, and many of them are free (and FREE is great for someone on a budget).
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