The most common fees include prepayment penalty and origination, annual, and transfer fees.īefore Taking a Loan, Look For the following: Lower Monthly Payments Adding extra money to your monthly payment can help reduce the term and interest rates. An excellent credit score will translate into a convenient APR. Your credit history determines the APR from which you can be eligible.
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That's why you should know how to pay off your loan cost.īut first, we'll take a step back to understand how much is the actual cost of borrowing. As a result, taking out a loan from a trustworthy lender is the most straightforward alternative to cover that cost.Īlthough this may sound easy at first, it can negatively affect your financial situation in the future. This article on 103 Things to Do on a Money-Free Weekend will give you plenty of other ideas for having fun without spending money.Unsurprisingly, some of your most significant life decisions come with a hefty price tag.
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Packing a lunch and hitting local hiking or biking trails is another idea for free or cheap entertainment. We make it for extended family gatherings too, and it’s always a hit. For example, this Better Than Olive Garden Alfredo Sauce is a family favorite. Instead of going out to eat, we’ll make our favorite restaurant meals at home. If I'm feeling extra extravagant, I’ll let the kids buy 98-cent theater candy from Walmart.
We bought an air-popper for popcorn, and we’ll use it to make popcorn at home from scratch for less than two dollars.
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As an example, we’ll rent a movie on YouTube instead of going out to the movies. With my family of six, we can’t go out to eat or to the movies for less than $100.įor that reason, we work hard to keep costly outings to a minimum and find free or cheap entertainment. You give them a massage one day, they give you a massage the next.Īgain, YouTube is a great resource for learning to do all things DIY.Įntertainment costs can ruin a budget pretty quickly-especially if you have kids. Need that monthly massage to reduce stress? Ask your partner about scheduling massage appointments with each other. Or, skip your local spa treatment for a hot bath with sea salts and relaxing music in your own tub. But there are other ways I reduce beauty and self-care costs-and you can too.įor instance, what about doing manicures and pedicures at home? Or facials at home? How about cutting your kids’ hair yourself?Ī quick YouTube video can show you how to do that properly. (A value-based spending plan is where you decide which of your monthly expenses are vital to quality living, and which aren’t.). It’s part of my value-based spending plan. Now, before you cry “hypocrite”, know that this is my one beauty splurge-and I only do it twice a year. In my low cost-of-living area, it costs me $200 to get my hair cut and highlighted. Salon costs for beauty and skincare services can be astronomical.
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