Everyone knows if you don’t pay enough in taxes throughout the year, you may end up owing money when you file your taxes. On the other hand, if you pay too much in taxes, you’ll receive a refund. Refunds are always fun, but for some having that money now would be more beneficial.
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A family vacation is a great way to unwind after a year of hard work and school.  Many people who are working to pay down debt and avoid the use of credit can no longer manage costly trips.  The good news is, with a bit of extra effort you can plan an affordable vacation that [...]

A client recently asked the following question:
“I have lots of debt that is building up more and more each month (falling behind). I am considering a refinance loan, as long as it is a low fixed rate, to a 40 yr mortgage. I currently have a 30 (paid 5 into it) and have a [...]