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Food waste and food consumption in the United States

January 27, 2023 by Brett Tams

I’ve been thinking a lot lately about how much food I consume (and waste). I’m not happy with how I shop and eat, and it’s not just because I’m fat right now. I don’t like what I’m eating and I don’t like how much food I’m throwing out.

Food waste is a huge problem in the United States. Most studies find that Americans waste about one-third of all food that enters the supply chain. This is insane. And when you consider that food spending is the third-largest component of the average American budget, this is a great place for most folks to boost their budget.

According to the 2017 Consumer Expenditure Report, the average household spends $7,729 per year ($644.08 per month) on food. If, as the USDA reports, 31% of the average family’s food goes to waste, that’s the equivalent of burning $2395.99 per year ($199.67 per month).

For most families, $200 per month is a big deal. That can be the difference between deficit spending and earning a “profit”. That $200 per month could be enough to purchase a new car or to afford better health insurance.

Today, I want to think out loud about food consumption and food waste in my own life.

Our actual fridge at this very moment

This article is unusual in that I’m not going to try to offer any solutions. Instead, I’m simply going to share some observations, and I’m going to divide these observations into bite-sized chunks.

If you have solutions to food waste, however, I’d love to hear them.

Posted in: VA Loans Tagged: 1970s, 2, All, apartment, beans and rice, big, blueprint, Books, Budget, Built, Buy, Buying, car, Choices, Cities, coffee, condo, consumption, country, couple, Crisis, data, dessert, earning, Europe, Family, Fashion, Financial Wize, FinancialWize, food, food consumption, food waste, fun, funny, garage, garden, glasses, great, groceries, habits, health, Health Insurance, healthy, HelloFresh, home, house, household, Insurance, inventory, items, job, kids, kitchen, Learn, learned, Life, Lifestyle, Live, low, Make, making, market, mental health, miles, mold, money, More, needs, new, offer, opportunity, Oregon, Other, packing, Pantry, Personal, prep, Purchase, ready, rental, restaurant, right, RV, save, Save Money, School, simple, single, space, specialty, Spending, staples, states, stock, storage, surgery, time, title, tools, Travel, under, unique, united, USDA, wants, weather, will, woman, work, young

Orchard Mortgage Review: A Tech-Enabled Mortgage Broker That Wants to Transform the Stale Home Buying Process

January 27, 2023 by Brett Tams

Today we’ll check out “Orchard Mortgage,” formerly known as Orchard Home Loans. The direct lender is backed by its parent company Orchard (previously Perch), a tech-enabled real estate brokerage that offers iBuying and cash-backed offers. One of their more popular services allows you to buy before you sell, similar to companies like HomeLight, Knock, and… Read More »Orchard Mortgage Review: A Tech-Enabled Mortgage Broker That Wants to Transform the Stale Home Buying Process

The post Orchard Mortgage Review: A Tech-Enabled Mortgage Broker That Wants to Transform the Stale Home Buying Process appeared first on The Truth About Mortgage.

Posted in: Renting Tagged: 15-year, 2022, 30-year, Alabama, All, app, apr, Arizona, ARM, basic, before, Blend, Broker, brokerage, brokers, business, Buy, buyers, Buying, california, city, Colorado, commissions, company, Conforming Mortgages, cons, Consumers, custom, daily mortgage rates, Digital mortgage, estate, existing, experience, Fannie Mae, Fannie Mae and Freddie Mac, Fees, FHA, FHA loans, Financial Wize, FinancialWize, Fintech, Florida, Freddie Mac, Georgia, get started, good, government, history, home, home buyers, home buying, home buying process, home loan, home loans, HomeLight, homeowners, How To, idaho, Jumbo loans, lenders, lending, list, loan, Loan officer, loan officers, loan pricing, loan programs, Loans, louisiana, low, low mortgage rates, Make, making, montana, More, Mortgage, MORTGAGE RATE, Mortgage Rates, mortgage refinance, Mortgage Reviews, Mortgages, Move, Move First, needs, new, new york, new york city, north carolina, offer, offers, Orchard, Oregon, party, Popular, pressure, programs, pros, Pros and Cons, Purchase, Purchase loans, rate, Rates, ratings, Real Estate, real estate brokerage, Refinance, Review, Reviews, san diego, Sell, single, south dakota, states, Technology, texas, time, title, traditional, unique, USDA, usda loans, VA, VA loans, wants, washington, Websites, will, Wisconsin, work, Zillow

Mortgages and Loans: The Basics of Borrowing

January 27, 2023 by Brett Tams

Big loans make some people squeamish. This used to surprise me. I wondered how, for example, a client could talk openly about life insurance, with its end-of-life implications, then get sweaty palms over a mortgage refinance. Another client might, after systematically considering the need for disability insurance, balk at a mortgage equity line of credit […]

The post Mortgages and Loans: The Basics of Borrowing appeared first on Good Financial Cents®.

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The Mortgage Refinance Process in 7 Easy Steps

January 26, 2023 by Brett Tams

If a majority of your monthly mortgage payment goes toward interest rather than your principal balance, you may be looking to refinance. Refinancing is a common route many homeowners take to lower their monthly mortgage payment because it allows them to secure a new mortgage with a lower interest rate. Refinancing can also help you

The post The Mortgage Refinance Process in 7 Easy Steps appeared first on MintLife Blog.

Posted in: Minimalist LIfestyle Tagged: 1099, 2, 2016, 2022, All, amortization, app, Appraisals, apr, ask, assets, author, balance, Bank, before, Benefits, big, Blog, build, business, car, closing, closing costs, color, cost, country, Credit, credit card, Credit Report, credit score, customer service, data, Debt, decision, disclosure, education, entry, equity, expense, experience, Fashion, Fees, FHA, Financial Goals, Financial Wize, FinancialWize, goals, good, history, hold, home, Home & Refinance, Home appraisal, home loan, Homeowner, homeowners, homes, house, Housing, Housing Finances, How To, impact, Income, Insurance, interest, interest rate, interest rates, journey, layout, Learn, lenders, Life, list, lists, Live, loan, Loan officer, Loans, low, LOWER, Make, making, market, Mint, mint.com, mobile, modern, money, More, Mortgage, mortgage lenders, mortgage payment, mortgage refinance, Mortgages, Move, new, new home, newer homes, no surprises, offer, older homes, organization, organizing, Origination, Other, payments, plan, principal, proof, proof of income, property, questions, rate, Rates, ready, Refinance, refinance your home, refinance your mortgage, refinancing, Research, retirement, retirement account, returns, Review, Reviews, save, searching, security, social security, Spending, student, Student Loans, Style, tax, tax returns, taxes, time, tips, title, Title Insurance, tools, Underwriting, USDA, VA, W-2, white, will, work

Guaranteed Rate offering up to $8K in assistance to underserved buyers

January 26, 2023 by Brett Tams

Guaranteed Rate offers a minimum of $5,000 in down payment and closing cost assistance and 1% of the sales price for a total of up to $8,000.

Posted in: Mortgage, Paying Off Debts, Real Estate Tagged: 2021, 2022, affordable housing, agents, All, Applications, Benefits, build, buyers, closing, closing cost, company, cost, country, Credit, deposit, down payment, Down payments, equity, Featured, Financial Wize, FinancialWize, first time homebuyer, First-time Homebuyers, foundation, Guaranteed Rate, home, home equity, homebuyer, Homebuyers, homebuying, house, Insurance, investment, list, loan, Loans, low, maintenance, Marketing, More, Mortgage, mortgage payment, Move, neighborhoods, new, offer, offers, Other, payments, president, Purchase, rate, Real Estate, Rent, sales, Secondary, special purpose credit program, states, time, title, Title Insurance, Underwriting, USDA, VA, volume, washington, will, windows

2011 Changes To Home Affordable Refinance Program (HARP) Coming Soon

January 26, 2023 by Brett Tams

The Obama administration has announced changes to HARP program eligibility rules to allow more borrowers to become eligible to refinance.

The post 2011 Changes To Home Affordable Refinance Program (HARP) Coming Soon appeared first on Bible Money Matters and was written by Peter Anderson. Copyright © Bible Money Matters – please visit biblemoneymatters.com for more great content.

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How to buy Another Rental Property With Less Money

January 26, 2023 by Brett Tams

Real estate is one of the best ways for the everyday person to make it big but it is not easy to get started, let alone buy another rental property! It takes money, perseverance, and guts to buy real estate and use it for an investment. A lot of people want to become investors but … Read more

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With mortgage rates dropping and fee changes in the pipeline, now may be the time to buy that home – CNBC

January 25, 2023 by Brett Tams

With mortgage rates dropping and fee changes in the pipeline, now may be the time to buy that home  CNBC

Posted in: Savings Account Tagged: 2022, 2023, 30-year, 30-year mortgage, affordable, AllY, apr, ARM, Bank, before, borrowing, Buy, buyers, Buying, Buying a Home, closing, closing costs, conventional loan, Conventional Loans, cost, Credit, credit score, credit scores, credit union, down payment, Downpayment, Fall, Fannie Mae, Federal Housing Finance Agency, Federal Reserve, Fees, FHA, FHA loan, FHA loans, FHFA, Finance, Financial Wize, FinancialWize, financing, Freddie Mac, funds, General, good, Google, hawaii, hold, home, home buyers, home loan, home prices, home search, Homebuyers, Housing, housing finance, impact, Inflation, interest, interest rate, interest rates, investment, Jumbo loans, jump, lenders, Life, LLPAs, loan, Loans, low, low rates, LOWER, maintenance, Make, military, money, More, Mortgage, mortgage interest, Mortgage Interest Rates, mortgage loan, mortgage payments, MORTGAGE RATE, Mortgage Rates, Mortgages, Moving, moving costs, Nevada, new, offer, offers, Origination, party, payments, PMI, pre-approval, property, Purchase, rate, Rates, Redfin, refinancing, Reviews, save, savings, search, shopping, under, Underwriting, upgrade, USDA, usda loans, VA, VA loans, will

Can I Refinance a Mortgage With Negative Equity?

January 25, 2023 by Brett Tams

Mortgage Q&A: “Can I refinance a mortgage with negative equity?” Nowadays, more and more homeowners are finding that their condo or home value isn’t worth what it once was at the height of the real estate market. In fact, many are discovering that their current mortgage balance(s) now exceeds the value of their property, putting… Read More »Can I Refinance a Mortgage With Negative Equity?

The post Can I Refinance a Mortgage With Negative Equity? appeared first on The Truth About Mortgage.

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Guide To Land Loans: What Are They, Types of Land Loans & More

January 24, 2023 by Brett Tams

Buying land and building your ideal home sounds like a dream, but there are several key things to investigate if you want to know how to get a land loan. Unlike construction loans, land loans are an option if you want to own the land and build it at a later date. However, land loans… View Article

The post Guide To Land Loans: What Are They, Types of Land Loans & More first appeared on Total Mortgage.

Posted in: Refinance, Renting Tagged: All, Alternatives, Amenities, ask, before, Benefits, build, building, business, Buy, cons, construction, Credit, down payment, Down payments, dream, equity, existing, expensive, experian, experts, Finance, Financial Wize, FinancialWize, financing, funds, General, getting a mortgage, good, guide, home, home equity, Home equity loans, home loan, house, How To, interest, interest rate, interest rates, Legal, lenders, loan, Loans, LOWER, Make, More, Mortgage, Mortgages, offers, Other, payments, Personal, personal loan, plan, project, property, pros, Pros and Cons, Purchase, rate, Rates, risk, SBA, seller, selling, Small Business, Small Business Administration, title, traditional, USDA, utilities, will, work, zoning
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