How to Save Money on Utilities
How to Save Money | Saving Money

How to Save Money on Utilities

According to the federal government’s Energy Star program, U.S. households spend more than $2,000 a year on utilities. Hundreds of dollars of your hard-earned paycheck go towards electricity, heating and cooling, water, and gas each month, and you may not realize how many of those costs you can avoid.  Various factors affect your home’s energy…

How to Save Money on Rent
How to Save Money | Saving Money

How to Save Money on Rent

Renting a home or apartment is a considerable expense. Most renters spend about 30% of their income on rent, almost double what the average American homeowner pays for a mortgage.  Whether you are looking for your first apartment or trying to cut down your current rental costs, read ahead to learn how to save money…

How Using a Credit Card Works
Credit | Credit Cards

How Using a Credit Card Works

Credit cards are a great way to make purchases easily, borrow money conveniently, and sometimes even earn money when you use them. But how does using a credit card work, and why are credit cards used? Here’s everything you need to know about how to use credit cards for dummies. No, we don’t actually think…

Learning to Use a Credit Card Responsibly
Credit | Credit Cards

Learning to Use a Credit Card Responsibly

To quote Uncle Ben from Spider-Man, “With great power comes great responsibility.” While comic book writer Stan Lee intended the proverb to apply to the film’s eponymous hero, his words also apply to the power of credit cards. Using one correctly can provide you with unparalleled security, convenience, and creditworthiness. However—and there’s always a however,…

What Are the Different Types of Home Mortgages?
Credit | Mortgage

What Are the Different Types of Home Mortgages?

What’s the difference between a fixed-rate mortgage and an adjustable-rate mortgage, or ARM? Which is better? Which one should I get? Here, we will compare fixed-rate and adjustable-rate mortgages (ARMs) and discuss the meanings of other mortgage types: FHA, VA, and jumbo mortgages. We’ll also compare the two most common ways homeowners access home equity…