10 Tips to Help You Get Approved for a Home Loan


So how do you get approved for a home loan? Mortgages can be complicated and confusing for many homebuyers. It doesn’t have it be. In this article we will simplify the process of getting a home loan. Compare Loan Offers from Multiple Lenders 



1. Get Your Credit Report and Scores for Free To get a home loan there are several factors that come into play, but your FICO score is the most important. You can check your credit report and get your scores online for free. Credit Karma has a great tool that allows you to view your credit history and gives you updated credit scores. You can also monitor you credit and get alerts whenever there are changes to your credit. 

2. Look for Errors on Your Credit Report You will want to review your credit closely for errors. Mistakes on credit reports is a bigger issue than you may realize. In a study by the FTC they found that 1 in 5 consumers had at least one error on their credit report. If you do find inaccuracies you can dispute them with the three major credit bureaus. They have 30 days to investigate your dispute, if they find that the item in question is inaccurate they will correct it.


74 Creative Ways to Save Money on a Tight Budget

There isn’t a person on this Earth who hasn’t thought, “I wish I could save more money.”
However, wanting to save money and learning how to save money are two very different things. Many of us want to have better financial habits and dream of long term wealth. Yet, those initial steps often stop us.

Saving money, it turns out, can be a challenge at first. But, that doesn’t mean it’s an impossible skill to learn. Once you learn how to save money, it gets addicting. You start to wonder how you can save in many different aspects of your life. You watch your savings accounts grow and then your savings enable you to pay off debt. Suddenly, after months and years of good savings habits, you find yourself with excess money that you can generously give to others and make the world a better place.

50 Personal Finance Tips That Will Change the Way You Think About Money

We’ve certainly amassed a wealth of knowledge over the years covering the money beat—be it the dozens of “I got out of debt” success stories we’ve featured to the scores of psychological studies we’ve covered linking better financial decision-making to behaviour change.
So given that it’s Financial Literacy Month, we’ve decided that there is no better time than now to round up our 50 top money tips into one juicy, super-helpful read. From the best ways to budget to how to boost your earning potential like a pro, these nuggets of financial wisdom are as fresh as the day they were published.

First Things First: A Few Financial Basics


1. Create a Financial Calendar

If you don’t trust yourself to remember to pay your quarterly taxes or periodically pull a credit report, think about setting appointment reminders for these important money to-dos in the same way that you would an annual doctor’s visit or car tune-up. A good place to start? Our ultimate financial calendar.

Tax Saving Tips To Improve Your Finances Considerably


Reducing tax amounts is not a distant dream but a very favorable reality. You just need to do a couple of things to witness considerable tax savings the coming year. Take a look at some tax saving tips from reputed financial advisor Justin Urbas.



Who does not love saving on taxes each year? As the financial year rolls on into tax filing time, many people are concerned if they can really save taxes. Reducing tax amounts is not a distant dream but a very favorable reality. You just need to do a couple of things to witness considerable tax savings the coming year. Take a look at some tax saving tips from reputed financial advisor Justin Urbas. You can apply them in your own life.

Save money for future

10 Ways to Effectively Save Money for the Future

It is much easier and more enjoyable to take the income, the money we have earned and worked hard to receive, and spend all of it every month, purchase whatever we want and not think about the future. The future, for some people, is so far away that we think that it is not necessary to think about it. But in reality, there is no better time to think about it than now.

Factors to Consider Before Investing



One of your budgeting goals may be to have extra money that is not spent during the month.


You may be accumulating this extra money to spend on something big within the year without going into debt – for things like a new furniture or gadget.  For this, you need to accumulate your money in a savings account.  The savings account may be earning you next to nothing in interest, but it will keep your money safe for the purchase.  A savings account is a good place to keep your money if you have a short term goal for saving.


Also, the money that you save for the long term is going to be affected by inflation.   Inflation, which is the rising price of things, makes your money worth less and less over time.  The interest you earn on savings account usually cannot cope with inflation.  You need to put it in an investment where your money grows to retain its value or even increase in value.




Before investing, you should first consider these factors that will determine when, where, and how to invest:


Link: https://www.budgetingincome.com/factors-to-consider-before-investing/