To live on a fixed income, you must keep track of your spending habits to ensure that you don’t run out of money before your next check arrives. It’s always best to write down your fixed essential expenses, such as rent, mortgage, and car payments, and then write down your variable essential expenses, such as…

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In addition to the money put away for retirement, there are various ways you can save money for your retirement. There’s still time to give your savings a good boost before you retire. In this article, we’ll discuss the best ways to save money during or right before retirement. Sell One of your Cars The…

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Is there a best time to refinance your mortgage? It can be hard to know what is financially right for you. However, it is always better to be prepared for such an important decision that can significantly impact your financial future. Here is what you need to know: Interest Rates are Historically Low Interest rates…

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There’s no age limit when it comes to getting or refinancing a mortgage. Seniors have every right to fair and equal treatment from lenders. In this article, we’ll look at how you can take advantage of low-interest rates and refinance your mortgage loan to possibly save hundreds of dollars a month. Compare and Shop Around…

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As adults age, their homes also grow older. Most homes, however, are not updated to accommodate aging needs. Home adaptation or modification can provide safe living so older occupants may continue to comfortably live in their own home. Add Accessible Door Handles Levers are usually easier to grip than round doorknobs, and they don’t require…

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One of the most common questions is, “Is Medicare free?”, and one of the many misconceptions is that after paying into Medicare through payroll withholdings at work for many years, some people approach their eligibility age of 65 with a misconception that their coverage will be free. In this article, we’ll walk you through the…

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CFPB study reveals impact of one change to credit reporting It may be just a simple three-digit number, but your credit score plays a significant role in determining the interest rate you pay for credit cards, loans, and mortgages. Credit scoring agencies, such as FICO, use information from credit reports to rank consumers by a…

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From October 15th to December 7th each year, you get the opportunity to plan for your healthcare needs for the upcoming year. Although it’s not quite as exciting as making New Year’s resolutions or enjoying a winter holiday, the annual Medicare open enrollment period is something to look forward to.  Changing plans may bring up…

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Life Insurance is a Financial Lifesaver… Except When It Isn’t Obtaining life insurance can help provide your family with financial security during tough and sometimes unexpected times. Life insurance not only provides funds when a provider within a family passes but also when a stay-at-home parent has an unfortunate demise to make the remaining financial…

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Reducing Your Debt Debt can be one of the most crippling factors in your financial life. Americans owed a staggering $1 trillion in credit card debt as of 2018, and auto loan and student loan balances are around $1 trillion combined as well. These numbers do not include debt from personal loans, payday loans, or…

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