When It Makes Sense to Refinance Your Mortgage (And When It Doesn’t)

Have you ever thought about refinancing your home? Most homeowners I know have entertained the thought at one time or another. They think it’s probably a good idea, but don’t know if it makes sense for them or not. Mortgages are confusing already. Refinancing adds to the confusion and if you don’t know what you’re doing, it can cost you big time. Let’s look at when it makes sense to refinance your mortgage and when it’s a bad idea. 

Continue reading “When It Makes Sense to Refinance Your Mortgage (And When It Doesn’t)”

My Credit Card Makes Me Happy

One random day five years ago, I was eating lunch at home and messing around on this new thing called an “iPad”.

Because I’m a money nerd, I went to the iTunes store, searched for personal finance and I found Dave Ramsey’s app.  Before that $5 footlong lunch, I knew nothing about Dave Ramsey.  By the time I finished my meal, I was absolutely hooked on his brand of no-nonsense debt elimination advice.

Continue reading “My Credit Card Makes Me Happy”