Buying out of a fixed-rate mortgage can be both liberating and financially taxing, and the decision to do so should not be taken lightly. The process involves understanding early repayment charges (ERCs), the balance of your mortgage, and the overall financial implications of breaking free from a fi...
You’ve probably been in that situation where an unexpected bill or emergency pops up, and you need cash—fast. The traditional advice is to dip into your savings, but what if that’s not an option? Here’s a dive into actionable, realistic strategies for getting emergency money fast. From selling unwan...
Imagine having complete control over your finances, knowing exactly where your money goes, and confidently making decisions that align with your financial goals. What if I told you that this level of financial mastery could be achieved with a simple tool you already have on your computer: Excel?In t...
Imagine this: You’re facing a financial emergency, and you remember that your Thrift Savings Plan (TSP) offers loans. You’ve already taken out a loan, but you’re not sure if you can apply for another. This article explores the intricate rules surrounding TSP loans, focusing on how many you can have ...
You’re about to make the biggest financial decision of your life, and your mortgage broker is central to this. But how do you know if the person or company you’re working with is trustworthy? The mortgage process is complex, and the stakes are high. This isn’t just about getting a good rate; it’s ab...
Imagine this scenario: You’re trying to simplify your finances, streamline your accounts, or maybe you’re just tired of the fees associated with your AmBank credit card. Whatever your reason, cancelling a credit card is a crucial financial decision, and it’s important to do it correctly.Cancelling y...
In the ever-evolving landscape of personal finance, choosing the right online loan can be a game-changer. With countless options available, understanding how to select the best one for your needs is crucial. This comprehensive guide will walk you through the essential factors to consider, compare th...
Imagine this scenario: You’ve faced financial setbacks in the past, your credit score isn’t where you’d like it to be, but you’ve got plans and dreams that need funding. The traditional loan routes seem impossible to navigate with your credit history. But here’s the good news: a guarantor loan might...
Securing the lowest possible monthly mortgage payment is an achievable goal, but it requires strategic planning, careful consideration of various factors, and a keen understanding of the mortgage landscape. In this comprehensive guide, we'll dive deep into the tactics and strategies that can help yo...
Imagine this scenario: you’re drowning in debt, the due date for your current loan is fast approaching, and suddenly, an offer for a new loan with more favorable terms lands in your inbox. The question looms: should you pay off your existing loan with this new one? The answer isn’t straightforward. ...
