How to Budget : 4 Simple Principles to Budget Like a Pro

Many people cringe at the sound of hearing the word “budgeting”. They automatically feel that it refers to something “restrictive”, “boring” and “not fun”.

So rather than saying “I need to budget”, I recommend saying “I want to tell my money in advance how I plan on spending it and saving it” . Does that sound better?

To be

The Home Equity Line of Credit: a double-edged sword

In recent years, lenders have been consistently recommending the homeowner’s line of credit (HLOC) to consumers. On the surface, it looks like a great financial product since it gives homeowners quick access to their home equity at a low interest rate (3-4%). The line of credit can then be used for