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Tag: debt management

  • Ask Matt & Joel

Ask Matt & Joel: Can I negotiate a lower car loan interest rate with a higher credit score?

  • October 17, 2024
  • Tagged as: bad debt, car lease, car loan, debt management, new car vs. used car, saving for retirement

This question comes from Alexandra from Pittsburgh!… “Hey, guys, I have a quick question to ask you. I bought my car in 2022, and at the time I was rebuilding my credit. Then I refinanced…

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Avatar photo Joel
  • Personal Finance
  • Saving money

Frugal vs Cheap – Differences and Examples

  • October 10, 2024
  • Tagged as: cheapness, debt management, frugal, frugal living, frugal vs cheap, investing, lifestyle creep, mindful spending, needs vs. wants, personal finance, saving money
Frugal vs. cheap street header

Did you know that 92% of people think that “frugality” is an attractive quality!? And do you know how many people think that being “cheap” is a cool thing?… ZERO. The words frugal and cheap…

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Avatar photo Jason Brown
  • Ask Matt & Joel

Ask Matt & Joel: Will I inherit my parents debt if they pass away?

  • October 2, 2024
  • Tagged as: debt management, emergency fund, family finance, Financial Independence, inheritance

Today’s question comes from Ben from Grand Rapids… “My question is for me and my three brothers…  But probably for a lot of people in similar situations. I grew up in a family that was…

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Avatar photo Joel
  • Ask Matt & Joel

Ask Matt & Joel: Should additional mortgage payments be included in my savings rate?

  • September 23, 2024
  • Tagged as: debt management, Financial Independence, mortgages, retirement investing, saving money, savings rate

This question from Calvin was posted in our HTM Facebook Group… “Should additional mortgage payments be considered when determining my savings rate?” Matt & Joel’s response: The short answer is yes.  Interestingly enough, many of…

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Avatar photo Joel
  • Budgeting
  • Saving money

4 Easy Ways to Budget

  • September 16, 2024
  • Tagged as: bad debt, budget software, debt management, how to make a budget, mindful spending, needs vs. wants, net worth, personal capital, personal finance, saving money
different ways to budget

Does your bank account feel like a leaky bucket, and no matter how much you put in there all the dollars just end up disappearing? You’re in luck –> today we’re covering four easy ways…

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Avatar photo Joel
  • Debt

How to Pay Off Your Car Loan Faster: 8 Tips to Try

  • September 7, 2024
  • Tagged as: buying a new car, car loan, debt management, emergency fund, interest rates, Life Hacking, saving money

Wanna hear something crazy!?… Over 100 million Americans have car loans, with the average person owing over $26,000 on their used vehicle purchase! 🤯 So if you’ve financed your ride and are feeling bogged down…

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Joel O'Leary
  • Credit Cards
  • Debt

Should I Get a HELOC to Pay Off Credit Card Debt?

  • August 9, 2024
  • Tagged as: balance transfer, debt avalanche, debt management, debt snowball, emergency fund, heloc, interest rates, mortgages
should you get a HELOC to pay off credit card debt?

Do you have a lot of equity in your home, but are also managing a hefty amount of credit card debt? Well, you might be wondering if it’s a good idea to take out a…

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Joel O'Leary
  • Saving money

Sinking Funds: Everything You Need To Know

  • June 17, 2024
  • Tagged as: avoiding fees, debt management, emergency fund, Financial Independence, holiday spending, mindful spending, sinking funds
All about sinking funds definition

Sinking funds are a great way to prepare and save up for those larger expenses we know are coming up one day.

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
  • Budgeting

Mint Has Shut Down – Here are Some Alternatives to Try

  • June 3, 2024
  • Tagged as: automation, budget software, credit karma, credit score, debt management, how to make a budget, retirement investing, tracking expenses, ynab
mint alternatives

Intuit has announced the shut down of the popular Mint budgeting app. Here is a list of 5 mint alternatives to test out.

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Avatar photo Joel
  • Debt
  • Investing

Should You Borrow Money From Your 401k?

  • April 14, 2024
  • Tagged as: 401k, debt management, early retirement, retirement investing, saving money, tax advantaged accounts

Sometimes life happens and you need lots of money in short order. Suddenly, the money you’ve socked away into your 401k over the prior years is looking enticing. Should you borrow money from your 401k…

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Brit DiTocco, Financial Writer at How To Money Britney DiTocco
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