Kate Smith

Kate Smith

I would say that today taking out a mortgage can be considered as a smart financial move because of many reasons. Interest rates are record low and probably taking out a mortgage has never been so affordable. Middle income families can afford making a downpayment and assistance offered to th…

Kate Smith

Kate Smith commented on Talk to your kids about money

I am sure it’s very important to discuss financial topics with children. I do not understand parents who avoid such topics. If you want to raise a successful person then you have to expain that it’s very important to control spending and save money. Lots of people today are struggling financ…

Kate Smith

Unfortunately, these days there are lots of scammers who just want to trick someone and make money unfairly. It’s worth to be extremely attentive when you provide your information to someone and be careful with filling any documents. Lots of people today use

Kate Smith

Youth is just like a perfect time for building a good credit and getting healthy financial habits. That’s why all these tips are very helpful and can help you to become savvy and make wise financial decisions. It’s very important to control your spending and live within your means – do not s…

Kate Smith

Kate Smith commented on 401(k) loans: The last resort?

I am sure that borrowing from 401(k) should be the last resort. One of the main reasons why saving money is so complicated sometimes it that saving on it’s own is not so hard, it’s hard not to use your money when you need it so much. With saving for retirement you take care of the future and…

Kate Smith

Paying off student loans aggressively and extremely quickly isn’t always the best option according to the expert’s advice. It’s important to know how to make really smart financial moves and as we can see, taking out money from the emergency fund or withdrawing from 401k is not a wise decisi…

Kate Smith

All these tips can be very helpful, because most of the students make financial mistakes quite often. At first it's necessary to set a budget and make sure how much money you have for different expenses. Youth is a perfect time to build a credit history, that's why it's better to avoid debts…

Kate Smith

Well, it's life and everything may happen. When we get married we think that it's for a lifetime. When we create a family budget it's necessary to remember that there should be something for you, it's not worth totally rely on your second half's income. It's hard to divirce in case you were …

Kate Smith

Well, when we are young we think that we’ll be forever young and there’s too early to think of retirement. But life is short and time runs fast, so it’s necessary to take care of our future and do the best to protect ourselves financially. Everybody wants to be happy in future and do not liv…

Kate Smith

Thanks for the post! I am a big fan of your articles. Till today I thought that bankrupcy kills a credit score. Now I understand that filling for bankrupcy in some cases gives you a chance to start a new financial life and build a new credit. But anyway, it's interesting that bankrupcy can e…