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10 Steps to a Stress-Free Holiday
“The stress-free way to enjoy the holidays is to plan, take one step at a time, and have a sense of humor.” Beth Tabak Can you feel the holiday jitters beginning? Suddenly there it is right around the corner. Well relax. Take the time to plan...
Brilliance in Balance
"For everything you have missed, you have gained something else; and for everything you gain, you lose something else." - Ralph Waldo Emerson The sun creeps above the eastern horizon, and shoots its long red beams across a frozen lake. The...
Is Your Life Out Of Control? Then Do Something About It!
When it comes to living "out of control", often, you're the last person to truly realize it. It is so easy to become caught up in a cycle or circle of negativity, self-sabotaging, struggle, adrenaline addiction (or another addiction) or even...
Value Can't Be Priced
Some children are taught to care for things while others, very clearly, are not. Value Can't Be Priced ~ by Dionna Sanchez I love to open up our home to entertain family and friends. It brings me great joy. My kids love to have friends...
Why Talk about Your Finances to Strangers?
Blogging is the latest innovation to take the web by storm. According to blog tracking firm Technorati, there are currently 20.6 million blogs with thousands more added every day. According to Blogherald, 30% of internet users (50 million...
 
Add A Few Dollars To Your Mortgage Payment

Many of us don't believe that a few dollars can make a big
difference. In a lot of cases that is true. But when it comes to
mortgages or any other type of loan, a few extra dollars can save
you Big Bucks.

The chart below gives examples of three different loan terms and
what paying between $75 to $100 more a month would do to the
mortgage. It is based on a $100,000.00 loan at 7% interest.

----------------------------------------------------------------
YearsInt Rate Payment InterestTotal of PaymentsSavings

307% $665.30$139,508.00$239,508.00 N/A
Round Payment to $750.00 $93,994.86$193,994.86$45,513.14This loan
would be paid off in 259 months instead of 360.

----------------------------------------------------------------
207% $775.30$86,072.00$186,072.00 N/A
Round Payment to $850.00 $69,409.58$169,409.58 $16,662.42This loan
would be paid off in 199 months instead of 240.
----------------------------------------------------------------
157% $898.93$61,789.40$161,789.40 N/A
Round Payment to $1000.00 $50,517.67 $150,517.65 $11,271.73This
loan would be paid off in 151 months instead of 180.
----------------------------------------------------------------

By adding $84.70 to your 30 year loan you can save $45,513.14
and pay the loan off in 21 1/2 years.

By adding $74.70 to your 20 year loan you can save $16,662.42
and pay the loan off


in 16 1/2 years.

By adding $101.07 to your 15 year loan you can save $11,271.73
and pay the loan off in 12 1/2 years.

You can also see by the chart that obtaining a shorter loan term
when you buy your house can save a lot of money.

There are a couple of things that you need to check. First is
that your loan agreement doesn't allow the loan company to
charge penalties for early payment. Secondly, if you itemize
your federal income taxes and deduct mortgage interest, paying
less interest will mean a lower deduction. I believe it is safe
to say that the interest savings will far outweigh the tax
savings.

Even if you don't have $75 to $100 a month to add to your
mortgage payment, even $25 would save a lot.

If you would like to have your own Loan Calculator, just visit
www.pine-grove.com to download their Loan*Calculator! Plus.
This is a free version and has everything the average family
can use. It is also the Loan Calculator I have used for several
months. Highly Recommended.

About the Author

Terry Rigg is the author of Living Within Your Means - The Easy
Way http://www.homemoneyhelp.com/ebookadpage.html and editor
of The FREE Budget Stretcher Newsletter and Budget Stretcher
web site http://www.homemoneyhelp.com. He has 25 years of
experience counseling individuals and families concerning their
personal finances.

 

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www.kiplinger.com
 
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money.cnn.com
 
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Combines practical personal finance advice, calculators and investing tips with business news, stock quotes, and financial market coverage from the editors ...
money.cnn.com
 
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Personal Finance - Get financial advice and information from Forbes.com.
www.forbes.com
 
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SmartMoney has daily stock and mutual fund recommendations, hourly market updates, personal finance investing research tools and advice, ...
www.smartmoney.com
 
Personal Finance Home (Personal Finance: Personal Finance ...
Links to articles covering a range of topics where monetary planning is or should be involved.
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Market News. • Market News. • News Search. Financial Planning. • Finance Calculators. • Saving for College. • Personal Finance ...
money.netscape.cnn.com
 
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www.theglobeandmail.com
 
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Answer Desk: Submit your question about personal finance or the world of business ... Personal Finance. • Learn more about RSS ...
www.msnbc.msn.com
 
Personal Finance Newsletter
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Knowing retirement, health plans can help avert disaster · At one firm, financial crisis crushed 401(k)s, insurance · Personal finance news briefs ...
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