Lenders treat student loans as your own debt. This may inflate your debt to income ratio so that you will not qualify for better interest rates until the entire student loan is paid off. Do not agree to co-sign a student loan if you intend to refinance your mortgage or take out other loans in  … Read More

If the court has ordered you to pay child support and you lose your job in that timeframe, you should immediately notify the court and ask for a reduction in your required payments for child support, since it could take months for this to be decided and changed by the court.   In the meantime,  … Read More

Homeowners Insurance. Believe it or not, accumulating points for moving violations can increase your homeowner’s insurance rates. Insurance companies have studied the connection between poor driving habits and home maintenance. They have found that people with multiple points, take less care of their homes. Auto Insurance. Your driving history is one of the main factors  … Read More

Moving. If you need to hire a moving company, make sure to get quotes from three companies, don’t just go with the one that is cheapest. Watch for additional fees that raise costs, such as packing, unpacking, travel, etc. Get your own cardboard boxes from stores willing to give them away for free. Be wary  … Read More

First, get a free credit report at www.annualcreditreport.com or call 1-877-322-8228. You can request one free credit report from each of the three major credit reporters, once a year. So, you don’t have to pay for your annual credit reports. Do not contact the three nationwide credit reporting companies individually. Make sure to check all  … Read More