What kind of home do you want or need? Before you get out there and start looking at houses, it's a good idea to determine not only what you want...
Finding what is on your credit report
A credit report is basically a file about you kept by lenders and banks. As annoying as it may be, it's still perfectly legal for them to gather all...
Your Debt to Income RatioTo stay out of debt, you must spend less money than you earn. Implementing this financial plan is often more difficult than it would seem. Your debt...
Get a Home Equity LoanWhich way is best to tap into your home equity? There are several options, and a few things to consider, when deciding which right for you. If the...
Bad Credit Auto DealersA lot of people can go to any dealer they want and buy a car. When you have bad credit, you do not have that luxury. The majority of auto dealers do...
An affordable monthly payment is vital for your success. If you bite off more than you can chew, you might make it a couple months, but eventually the loan can go bad.
Two or four doors? Automatic or manual transmission? Seating for five or seven? Etc. These questions are important. It is also important that you identify what is a NEED and what is a WANT. You may want a seven passenger SUV, but if there are only three people in your family, do you really need it? The best thing to do in most situations is to get the least expensive vehicle that meets your needs and that the lender will finance.
If the answer is "yes", you need to consider if it is worth a couple of extra dollars each month to get a loan through a real lender that reports on your credit or to get a vehicle through a "buy-here, pay-here" dealer that does "in house" financing. Sometimes traditional lenders require more money down, but in the long run, it is usually worth it.
