Credit Card Consolidation & 0% Balance Transfers | Does It Really Help?

On a recent post telling how to deal with credit card debt problems, I shared some advice and resources for getting out of debt.  In that same post, Darren (from More Than Finances) asked what I thought about 0% credit card transfers.  I gave a quick answer and thought I’d deal with it in more detail today. From a purely mathematical standpoint, there is no denying that taking advantage of 0% … [Read more...]

Mortgage Refinance Tips & Free Mortgage Refinance Worksheet

Refinancing your mortgage could be a great way to save some money and even accelerate your house mortgage repayment.  Unfortunately, people commonly do a refinance in order extend their term and thereby lower their payments.  Any time your extend your term you are agreeing to pay more for the mortgage in the long term. Refinancing your mortgage could be a great financial move as long as you … [Read more...]