Cash The Checks Personal Finance Blog

financial-tips-for-new-parents

Whether your pregnancy was planned or not, seeing those 2 lines on the test strip will change you entire life. Thinking about your future and the financial responsibilities you’ll soon face can trigger anxiety and stress in the most frugal of people.

Once parenthood is impending, it’s important for mom and dad to start thinking about finances and to get their priorities in order. Read on for 6 financial tips for new parents.

Dec 15 2014 Real Estate 1 comment

buying-a-home-in-2015

If you’re planning to buy a home in 2015, you may be surprised to find out that a lot of things have changed since the housing bubble burst. There are upsets happening with home prices, mortgage rules and financing options that are making buying a home in todays world different than when your parents bought their homes.

Read on for 5 tips for buying a home in 2015 so you know what to expect.

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 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.