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Achieving Dreams Meeting Needs

Practical Ways to Save Money

When you’re on a mission to save money it might seem it will take forever for savings to grow. Saving money often starts with changing “spending” habits. Once you identify your savings goal or goals, here are some ideas that can help, some practical ways to save money. Involve Your Spouse Get cooperation from family—Controlling […]

Categories
Achieving Dreams Meeting Needs

Calculate Your Debt-to-Income Ratio

It’s good to know how lenders determine if you’ll be able to afford your monthly payments comfortably, based on your income and other debts. Remember: Many lenders exceed these guidelines, particularly if you have no debt, good credit, or a large down payment when applying for a mortgage. Your debt-to-income ratio is one key factor. […]