My Money

July 2011


Why Escrow Payments Increase

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If your mortgage payment increased recently, you’re not alone. I have been told by more than one person that they have gotten a notice in the mail from their lender informing them that their mortgage payment was increasing and it was a result of an adjustment with their escrow account. One ...

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personal finance

Job Interview: Questions in a Down Economy

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One of the many downsides of a bad economy is that the job market is filled with highly competitive candidates. If you're one of the lucky few to actually land an interview, then you need to take full advantage. That means you need to be prepared for everything the interviewer is going to throw at ...

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personal finance

Money Lessons from the NFL Lockout

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Football fans rejoiced this past week when the NFL lockout ended and we were once again treated to news about our favorite teams and players. The last four months we were put on a forced diet of football labor dispute news and it certainly wasn't much fun. There was, however, a silver lining to ...

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personal finance

10 Ways To Earn Miles Without Credit Cards

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How can you earn airline miles? If you asked most people that question, they would probably say “go on a lot of flights” or “get an airline card.” Those two techniques may be the most common, but they certainly aren’t the only options available. Let’s take a look at ten ways you can earn miles—no ...

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personal finance

6 Ways to Fill Up a Major Resume Gap

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So you got laid off, just graduated from college, or decided to quit your job. You are unemployed and having a tough time finding a new job. As your job hunt goes on, the unemployment gap on your resume is getting bigger and bigger. What can you do to eliminate that gap? Here are six ways to fill ...

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personal finance

Credit Cards Gone Wild

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As politicians wrangle over the budget and debt ceiling in Washington, credit is flowing freely in the world of credit cards. Just a short time ago rewards credit cards offered few incentives, and getting approved for one was for many as likely as winning the lottery. Today, not only is getting a ...

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personal finance

4 Easy Ways to Save at the Pump

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We’ve all been hoping that day gas prices will drop below $3.50 again. Ah, the good ol’ days. Unfortunately, doesn’t look like prices at the pump will fall anytime soon. So why sit around twiddling our thumbs, burning through fuel and cash? Saving money on gas isn’t just about driving less. At some ...

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personal finance

5 Phrases That Will Get You a Higher Salary

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Negotiating for a higher salary is one of the fastest and most efficient ways to change your personal financial situation. Taking five minutes to do a salary negotiation the right way can result in an extra $5,000 or $10,000 or more. Of course, even if we recognize the big benefit of negotiating ...

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personal finance

7 Career Enhancing Steps to Take Today

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Whether you are content at your current job, thinking about asking for a raise, or considering looking for a new position, it is always important to work towards improving yourself as a professional. While enhancing your professional self may seem like it can only be done over time, there are steps ...

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personal finance

5 Easy Ways for Moms to Save Time and Money

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I don’t have to tell you you’re doing too much—we all are. If you’re feeling unfulfilled it’s likely because you’re spending time on things that don’t bring you true satisfaction or joy. According to the the Bureau of Labor Statistics 2009 American Time Use Survey, women are more likely to care for ...

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personal finance

Has Your Real Estate Market Hit Bottom?

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Whether you're waiting to sell your house or you're waiting to buy, everyone involved in the real estate market is waiting for one thing: the bottom. Prices in most areas of the country are continuing to fall, and the Christian Science Monitor reports that experts are predicting a wide range of ...

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personal finance

Money Tips for the Self-Employed

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I have been self-employed for close to eight years. So I know how difficult and time consuming it can be to track all your income and expenses. Not to mention the dedication it takes to sock money away for your own retirement month after month. After all, it would be so much easier if I had an ...

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personal finance

How to Be a Mortgage Refinance Ninja

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Refinancing a mortgage today is a lot like navigating a minefield. One wrong step and your refinance gets blown to pieces. We just closed on a new loan for our primary residence and are in the process of refinancing a loan on an investment property.

The recent experience with mortgage brokers and ...

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personal finance