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From the blog

How to Manage Debt Easily

how-to-manage-debtThese days, budgeting really counts – for many of us, more than ever. The more strain your finances are under, the more important it is to make the best possible use of every penny.

The obvious place to start is by finding out where you stand: how much leeway you actually have in your monthly budget. Once you know that, you’ll be better able to figure out what to do next. (This article just takes a brief look at the subject – if you want to know more about bills, debts and budgeting, you contact online accountants Scotland.

Guide to Reducing Your Debt

To eliminate or reduce debt, you need to calculate what’s coming into your account every month. For most people, this isn’t too tricky, as we don’t have as much income coming in as we’d like to have!

Next, what’s going out? This is typically far more complicated, for all kinds of reasons – not just because we tend to spend our money on a wide range of things, but because they’ll vary from one month to the next, while some bills are paid monthly, quarterly, yearly…

If you’re carrying unsecured debts right now, you’ll need to

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5 Tips for Successfully Running a Plumbing Business

Let me start by giving you a secret for running a successful business, plumbing or not. Give your customers so good a service that they won’t think of any other name in regards to the type of services you provide them with.  This ‘famous’ secret that has been used by thousands of successful entrepreneurs is what you can use to run a successful plumbing business. However, this is just a trick for building and maintaining your business. If you want a competing edge over the others in the same business and to create a niche for yourself then follow the tips I have highlighted below:

  1. Maintain good accounting books

Many plumbing businesses are deterred by cloudy cost estimations. If you want your plumbing business to be successful, you need to have an accounting book and put it in order. First of all, have a rough estimate of the number of jobs you should earn to make a profit. Also, have a clear written column of expenses you’ll incur when giving your services and this will help you determine the correct pricing for these services. Some of the costs you’ll incur include marketing, labor, equipment and materials. There are factors … Read the rest

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Different Types of Mortgage Loans (2016 Update)

mortgage loanRefinancing your mortgage will help you make regular monthly payments, thus if you have bad credit, it is good to improve your credit score before refinancing. Check Credit Repair Reviews for information on how to improve your credit score

The current state of the U.S. economy has led a rise in the number of households facing foreclosures. Some families decide to foreclose their homes while others choose to refinancing their home mortgage loans.

Regardless of whether you are able to pay your mortgage or not, a mortgage refinance plan is an essential part of owning a home. Furthermore, if you are having financial difficulties and are unable to make your payments on time, then you need to apply for a bad credit mortgage loan.

Before applying for a mortgage loan, you should take steps to improve your credit score. The higher your credit score, the greater your chances of getting approved for financing. There are various programs that can help you improve you credit score. One of them is the Smart Money Secret Ebook. You can read the Smart Money Secret book review for more information

What Are The Different Types Of Mortgage Loans?

You need to understand the various … Read the rest

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How Does a FHA Mortgage Work?

fha mortgageFHA backed loans allow borrowers with credit scores below 620 to be able to own a house. The loans allow
borrowers to offer down payments as low as 3.5 percent and come with flexible underwriting standards. The mortgage is designed for first-time buyers but available to everyone.

FHA Mortgage Approval

The FHA loan is insured by the Federal Housing Administration (FHA). To qualify for the loan, a borrower and the property to be bought must meet some minimum criteria, which include:

  • Borrowers must have a credit score of at least 500.
  • Borrowers must have a debt-to-income ratio of 43 percent or lower
  • A down payment of 3.5% or more is required for the loan

The property to be bought by an FHA loan must have a roof that is intact. Apart from this, it should have utilities that are “turned on” and independent of the property. Finally, water should drain away from the home and not towards it. You can read more requirements of FHA loans here.

FHA Lenders

The FHA is an insurer and not a lender. Therefore, if you are interested in applying for an FHA loan, you must work with lenders approved by the FHA. The lenders … Read the rest

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3 Easy Holiday Money Saving Tips You Should Try

holiday money saving tips

When you go on holiday abroad and spend money the wrong way, you could end up wasting dollars every time you shop. Some specialist cards can help you get the best rate every time you are spending overseas while on holiday.

However, it’s not just enough to have the right card. There are other tricks, tips and tools that can help you get the most out of your bucks. Here are our top three holiday money saving tips you can try.

1. Compare the best currency rates

If you will need to pay for items using cash, compare the top currency rates before traveling. You can use a website like LowCostHolidays to compare the rates are different bureaus as well as find cheap holidays. Find out how much currency you will actually get after the charges and fees have been deducted.

Generally, you should stick to using cash or a debit card to pay for currency exchange. While you can use a credit card, keep in mind that the exchange will be considered a cash withdrawal, and hence there will be interest and fees to pay.

Getting cash is good if:

  • You have a secure place to keep it
  • You
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