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Family Finances
Tax Season Stress? How to Prepare for Potential Bills
As the April 15 tax deadline creeps closer many people may still be wondering: will I owe? It may be time to take proactive steps to set aside money that can be used to cover the extra expense you may soon face. 
When you’re trying to cut expenses and stick to a budget, it can seem at times that it’s almost impossible to tighten the proverbial belt another inch or two. If you need some extra money but just can’t seem to find it within your budget, you may need to step outside the budget and find it elsewhere.
If you want to use your home’s equity for home repairs, college tuition, etc., you first need to get a home equity loan. There are two types, a second mortgage or home equity line of credit, but which will work best for you?
As you make your New Year’s resolutions, don’t forget to make one that can really impact your life. The one resolution that can influence many areas of your life -- your credit score of course. It’s important to check your credit score to learn where you stand, so when you need a car loan, home loan, or even a student loan, you have the ability to live the life you want without financial restrictions.
There are times when it's tempting to lie, steal or break one of the other 10 Commandments to get a good deal but, in living frugally, we all need to stick to being honest. This is not always easy to do, but I want to give some examples that may help you stay honest. Here are some common tactics that some people use that are unethical and sometimes illegal:
Every month you sit down to pay the bills and every month you wonder how in the world you’re spending so much. This is a common scenario for most families. The good news is there are a few things you can do to cut your monthly bills down to a more managable level.
There are lots of reasons why families have to live on one income, a new baby, single parent, husband loses his job or simply because one of you wants to be a stay at home parent and spend more time with your children. Whatever your situation is, living on one income can mean it’s time to cut back, or it can mean that now is the opportunity to slice your spending in half by making a few clever budget changes.
In part one we talked about how to set your budget of monthly expenses. Now It’s time to reduce those costs.
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