Tips

Regardless of your spending habits, there are lots of ways to Feed the Pig. While the savings from changing a single habit may not seem like much at first, making changes in a few areas of your life can add up to big bucks within a single year. Here are some of our favorite financial tips.

Weekly Savings Tip: The Hunt is On!

House hunting season is in full swing and the home-buying market is hot this year! Mortgage rates remain historically low and in most metropolitan areas it is a sellers' market. If you're thinking about buying that first home or upgrading to a better one, make sure you're prepared with financing before you go to your first Open House. Here are a few hot tips you should know before making an offer.

  • Set your ceiling. You may find yourself in a bidding war in this competitive market, so know your limit on price ahead of time and stick to it. Once you find that dream home, it will be tougher to stick to your guns and you risk buying more house than you can reasonably afford.
  • Make an inspection connection. Once your offer is accepted, you'll need to schedule an inspection as soon as possible. Find a reputable inspector who charges a reasonable rate beforehand so you're not scrambling at the last minute.
  • Organize your mortgage application. You'll also need to apply for your mortgage right away, even if you were pre-approved. Prepare for an inquiry into the last 60 days of all of your financial transactions. If you made any large deposits, you'll have to prove the source by showing copies of cancelled checks along with valid explanations. You also need your last two years' tax returns and, if you're self-employed, a Profit & Loss statement for the year-to-date.

Find out more about what you need to prepare to buy a house on YOU Save. Happy hunting!

This Just In...Current Events

Staying up to date on current events and financial news is an important part of understanding and managing your finances. 

Starters

Start off on the right financial foot, and stay there!

Habit Changers

We all have habits, some better than others. The important thing is how you acknowledge and manage them. Just take it one step at a time...

Seasonal Savings

Changing seasons mean more than just a change in wardrobe, they also mean a change in spending and savings habits. 

Holiday Helpers

The holidays can be one of the most difficult times to save. But that doesn't mean it's impossible. 

Tax Tips

Taxes are an important part of your financial plan. The more you understand them, the more you can appreciate how they can work for you.