Cash The Checks Personal Finance Blog
Nov 22 2014 Spending No comments

8 Tips For Black Friday Shopping

Black Friday has always been a holiday that bargain hunters have eagerly awaited. The day after Thanksgiving officially kicks off the Christmas season and some savvy shoppers flock to the stores hoping to get great deals on the latest gadgets, clothing trends and more.

Nov 21 2014 Other No comments

If you are not yet sure about your entitlement to make a claim for PPI, it is well worth checking.  Payment protection insurance (PPI) is a form of insurance that is there to cover the repayments to the bank or lender on a mortgage or loan – or any form of credit agreement – in the event of the customer not being able to pay.  This could be due to sickness, an accident, or involuntary redundancy. The payments would continue for one year, and sometimes for two in special circumstances.

Nov 14 2014 Spending 1 comment

save-money-on-your-next-vacation

Going on vacation can help you relax and recharge. Most working people find they are ready to get back into the swing of things with a renewed vigor after having a week or two of vacation time.

For families, vacations are a great way to make memories and spend time together. However going on vacation can be really expensive. Use the following 6 tips to save money on your next vacation and make a getaway more of a reality.

homeowners-insurance-savings

Homeowners insurance is something that everyone needs when they own a home. The reason has less to do with your own preferences and more to do with the bank’s requirements, but that doesn’t mean it’s any less important. Like other types of insurance, homeowner’s insurance varies widely from one provider to another, so it’s important to get the best rates possible on your policy.

live-without-a-vehicle

If you’ve always had access to a car, ditching your wheels may seem like a scary endeavor. But if you’re lucky enough to live in a city or an area with good public transportation, it’s entirely possibly to get rid of your car and still get by quite comfortably.

Living the car-free life will save you money on gas, repair bills, car payments and car insurance. If the savings sound appealing, read the following 5 tips for living without a vehicle.

lending-money-to-family

While lending money to friends and family is generally considered a bad idea, sometimes you have to make a small loan to help those you love get by. If you have the means, helping can be done if you’re smart about your personal lending practices. The last thing you’d want is to lose a friend or start a family feud over money.

To avoid any problems, employ the following 9 tips when lending money to friends and family.

adjustable-rate-mortgages

10 years ago, adjustable rate mortgages were all the rage. Both loan officers and real estate agents would convince naive home buyers that ARM loans were not only affordable but their only option if they wanted to own a home.

Their reasoning was that home values would increase, the home would build equity and new homeowners would then be able to refinance their loans before the rate would adjust in 5 years.

But home values didn’t increase and thus homeowners were left with an underwater mortgage they were not able to refinance. When their payments went up, they couldn’t afford the loans they agreed to pay and countless homes went into foreclosure.

tips-for-a-successful-garage-sale

Garage sales are a great way to clear out clutter and make a little extra money during the process. For shoppers, finding great bargains and haggling can make for an exciting weekend morning.

Garage sales held in the spring and summer months tend to do very well and with all of the free advertising options available, it’s easier than ever to have a successful garage sale. However, getting customers to your sale is only half the battle, you’ll also need to know how to price your items.