Okay, let’s review the choices! First, what is a “Fixed rate mortgage loan”? These are loans where the interest rate is a non-changing rate, so the interest and principal payment portion of the loan will always stay the same throughout the life of the loan. This type of loan is the best type in my option, because of… Continue reading Fixed versus ARM Mortgages
The Power of Spot Budgeting
Okay, I’ve posted a similar post about this before, but there is power in this process! What is Spot Budgeting? Spot Budgeting is the lazy man/woman’s way of doing a limited form of budgeting. The beauty of this technique is that instead of running your life like a bookkeeper or accountant, you just track 1… Continue reading The Power of Spot Budgeting
My Christmas Tradition
Christmas was always a special time for me as a kid! It was my grandmother use to make it a very special time of the year. She went all out, she had a large Santa that stood in a sleigh decoration with individual reindeer that she would put on the top of her organ. Beneath the Santa… Continue reading My Christmas Tradition
My Upromise Experience and was It Worth It?
I always try to plan for future expenses. That why I opened a Upromise account right before my son was born. Back then I had more expenses and any amount I could save counted! For that time in my life, Upromise was a perfect vehicle for me to save for my son’s college without it hitting me hard… Continue reading My Upromise Experience and was It Worth It?