By Kristie Macris
Lenders base the amount of money you can borrow to buy a house on your ability to repay the mortgage. The bank funding the mortgage looks at your income, credit history and long-term debts like credit cards and loans to determine the maximum monthly payment you can afford. The amount of money in your savings, retirement accounts and stock portfolio, which determines a possible down payment, also...
By Robin Raven
Making money at home is many people's dream. With the cost of commuting and uncertain employment prospects, it's a good idea to find out how you can use your skills in the comfort of your own home for a hefty profit. There are so many work-at-home scams out there that it's hard to even begin an Internet search on the subject that will show trustworthy results. Read on about how to...
By Heather Orr
According to statistics listed on cardweb.com, the average family in the United States with one or more credit cards is carrying about $9,659 of unsecured debt. With interest rates on the rise, here are some tips on negotiating credit card debt. Create a budget. Review your financial situation in depth to determine exactly how much money you are bringing home each month. Figure out how much your ...
By Carly Kullman
When planning large purchases, especially ones that rely on credit, having the best credit score possible is crucial. This can save you a lot of money by ensuring that you get the best interest rate possible. If you are trying to boost your credit, you may find the help of a credit score simulator beneficial. If you are in the market for a new car or home, look at your credit score to determine...
By Amy Brantley
Credit card debt can seem like an endless cycle of bills and payments. Depending on the amount of debt you're carrying, it may seem as if you'll never escape. Once you do though, it's a nice feeling. Freeing yourself from credit card debt can end a lot of sleepless nights. Of course, it's important to maintain this sense of freedom by staying out of credit card debt. It may seem...