You don't need to be told that the holidays are stressful. You're already feeling it, with the sounds of Christmas songs filling your ears even earlier this year than last. Still, one added piece of stress to your holiday schedule is traveling back home for the holidays. Spending the holidays alone is no fun for you or your family, but you don't have to break the bank to get you and yours together for the winter holiday season.
Presented by ELFCU Wealth Management: Know your benefit and understand your options.
You've likely heard about the benefits of refinancing a home loan. With today's low interest rates, those who have enough equity in their home and the credit required for a refinance could lower their monthly payments considerably. But did you know that, similarly, you could lower your car payments by refinancing your auto loan?
Since the beginning of 2004 Americans have had the right to claim their credit reports from each of the credit reporting agencies once every twelve months, for free. We were conferred this right by FACTA, which is the Fair and Accurate Credit Transactions Act of 2003. The methods (web, mail, phone) for claiming our free credit reports can be found at the website http://www.annualcreditreport.com/.
By now you've probably received your W-2s, 1099s and other forms necessary to complete your 2010 tax return. If you're super-organized, you may have even already filed your taxes and the question now is, what should you do with all those forms, receipts and other documents you used to prepare your return?
If saving money is one of your New Year's resolutions, take a hard look at your food bills.
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