• Sample Page

Hanover Mortgages

The Refined Mortgage Lending Company & Home Loan Lenders

Zero-Based Budgeting

The Top Benefits of Living Below Your Means

February 1, 2023 by Brett Tams

Learning how to build habits that can help you spend less and save more is essential for building wealth.
Posted in: Taxes Tagged: 2021, 2022, All, app, Apps, avalanche, average, balance, Bank, bedroom, Behavior, Benefits, bills, Borrow, Budget, Budgeting, buffett, build, building, building wealth, business, Buying, car, city, Clothes, coffee, couple, Credit, credit card, Credit Card Debt, credit cards, data, Dave Ramsey, Debt, debt free, Debts, dining, dining out, downsizing, eating out, Emergency, Emergency Fund, expense, expenses, expensive, experience, experts, Fees, Finance, finances, Financial Wize, FinancialWize, front, frugal, fund, future, Grow, guardian, gym, habits, healthy, Hollywood, home, house, Housing, How To, Income, Inflation, interest, interest rate, interview, Invest, Investing, investment, job, kids, Life, Lifestyle, Live, loan, Local, Luxury, Make, money, monthly budget, monthly expenses, More, more money, Move, Moving, needs, new, new year, Other, paycheck, paycheck to paycheck, payments, Personal, plan, priorities, programs, questions, rate, Rates, Rent, Research, restaurants, retirement, retirement accounts, save, Save Money, Saving, savings, second, security, sleep, smart, Spending, Spending Less, stage, story, Strategies, streaming, stress, Style, subscriptions, the balance, the new year, time, tracking, Transportation, utilities, wants, warren, wealth, woman, workers, working, YNAB, Zero-Based Budgeting

Spending Too Much Money? Cut Back in These 5 Areas

February 1, 2023 by Brett Tams

5 Areas in Which You’re Likely Spending Too Much It can be easy to do: spending too much money in one area without even realizing it. You’re a smart person, though. You know that in order to reach your financial goals, you have to take a good look at your budget and figure out where

The post Spending Too Much Money? Cut Back in These 5 Areas appeared first on MintLife Blog.

Posted in: Financial Planning, Investing, Personal Finance Tagged: 2, 2022, advice, All, allowance, Amount Of Money, author, baby, Bank, bills, Blog, Budget, budget template, Budgeting, Budgeting 101, budgets, build, Buy, categories, chance, Children, color, condo, couple, Credit, credits, data, Deals, Debt, eating out, education, expenses, Extra Money, Family, Finance, finance software, finances, Financial Goals, Financial Planning, Financial Wize, FinancialWize, food, food budget, freelance, gadget, gift, goals, good, great, groceries, grocery, guide, Happiness, holiday, home, Housing, housing costs, How To, Income, kids, layout, Life, list, Make, making, mindset, Mint, mint.com, mobile, money, Money Management, More, more money, needs, new, opportunity, Other, party, percent, Personal, personal finance, plan, Planning, pretty, priorities, Purchase, retirement, reward, right, running, Salary, save, Save Money, shares, single, smart, society, Software, Spending, spending too much, splurging, student, Student Finances, Style, subscription services, subscriptions, tax, tax credits, Technology, time, title, tools, turkey, utilities, wasteful spending, weddings, white, will, woman, Zero-Based Budgeting

Best budgeting apps of 2021

January 28, 2023 by Brett Tams

 

YNAB: You Need a Budget Review

If you’re ready to account for where every cent of your money goes, You Need a Budget could work for you. The app is based on the premise of “giving every dollar a job,” meaning you budget for every expense — fixed, discretionary or otherwise. Want to buy a new purse or pair of shoes? If your monthly clothing budget is $100, then you may not be able to afford it this month. Friends want to double date at that trendy new Italian restaurant? It may not be in your $200 dining out budget.
You Need a Budget Logo
The app makes budgeting straightforward, allowing you to see how much over or under you are for a particular line item. But it’s best for people who want to get serious about how much they actual spend and where they may need to make sacrifices to achieve a larger goal.

What I Liked

Zero-based budgeting is tough, but I can see its value. You have to account for every dollar coming in, either using it to cover monthly household expenses, pay off debt, for dining out and for what YNAB calls “quality of life” expenses like vacation. During this process, I realized that I’m not as good a budgeter as I thought. I do a good job of tracking our spending after the fact, but I could improve when it comes to setting aside money for specific purposes — basically being more financially proactive. For example, before using this app, I had no idea how much my husband and I spent each month dining out and we never really set aside a specific amount for this purpose. It was more like “we’ll eat out no more than two times a week.” I also had no gauge of my own discretionary spending, since this money comes out of my personal account. Using the tool allowed me to see that we spend less than $200 a month eating out, but that I need to keep a better eye on my discretionary spending for things like beauty and hair products and anything from Amazon.com (Amazon Prime admittedly has turned me into a shopping junkie). We plan to buy a house within a few years, so YNAB allowed me to see that these are two areas where we (or I) could curb spending and put that additional money toward a down payment. Actually seeing the budget also showed me that we could be saving more. We have more cushion than we need in our account for household expenses, so it might be better to put more of that money toward retirement or paying down my student loans.

Posted in: Budgeting, Personal Finance Tagged: 2, 2016, 2021, aid, All, Amazon, amazon prime, android, app, apple, appliances, Apps, Auto, auto insurance, balance, Bank, bank account, bank accounts, bank of america, Banking, banks, bar, basic, Beauty, before, big, bills, Blog, blue, Budget, Budgeting, budgeting apps, budgeting tools, budgets, building, business, Buy, buy a house, Buying, Buying a house, capital one, car, Car Insurance, charitable donations, Checking Account, Clothing, coffee, College, college student, color, color-coded, company, cost, couple, Credit, credit card, customer service, data, debit cards, Debt, deposit, Digit, dining, dining out, down payment, eating out, Emergency, Entertainment, entry, envelope system, expense, expenses, Fall, Family, FDIC, Fees, Finance, finance app, finances, financial goal, financial habits, Financial Plan, Financial Wize, FinancialWize, Fintech, fixed income, free download, friendly, fun, funds, gas, get started, Getting Out of Debt, Getting Started, Giving, goal, goal setting, goals, good, Google, Graphic, great, grocery, Grocery Shopping, Guides, habits, health, helpful, history, home, house, household, ideas, Income, Insurance, interest, internet, Investing, investment, investments, iPhone, items, job, Life, list, lists, Live, Loans, Local, low, lyft, Make, making, millennials, Mint, mint.com, mistake, mobile, Mobile App, money, monthly expenses, More, Mortgage, multiple income streams, needs, net worth, new, offers, online purchases, Other, patterns, Pay Off Debt, paycheck, paycheck to paycheck, Personal, personal finance, personal information, phone numbers, pie, plan, premium, pressure, proactive, products, Purchase, quality, questions, Rates, ready, Rent, restaurant, retirement, Revenue, Review, Reviews, right, running, safe, save, Save Money, Saving, savings, Savings Account, savings goal, scams, School, searching, second, security, self-employed, Sell, selling, shopping, simple, single, Software, Spending, spending report, spouse, starbucks, startups, Strategies, student, Student Loans, Tally, Technology, time, title, tools, tracking, traditional, Transaction, Transportation, trends, Uber, under, Unemployment, updates, utilities, vacation, vacations, value, versus, will, work, young, Zero-Based Budgeting

How Do Negative Interest Rates Work? What They May Mean for Your Wallet

January 27, 2023 by Brett Tams

Imagine a world where the bank pays you to take out a loan. This is what’s known as a negative interest rate, and while it may seem counterintuitive at first, it can have economic benefits in a struggling economy. So, how do negative interest rates work? During an economic downturn, banks may turn to negative

The post How Do Negative Interest Rates Work? What They May Mean for Your Wallet appeared first on MintLife Blog.

Posted in: Financial Planning, Investing Tagged: 2, 2022, affordable, assets, author, Bank, banks, before, Benefits, big, Blog, Borrow, borrowing, Budget, Budgeting, Buy, buy a house, Buying, Buying a Home, car, chance, color, Commercial, cons, cost, covid, COVID-19, COVID-19 pandemic, Credit, data, decision, Earn money, earning, economic downturn, Economy, education, Federal Reserve, Fees, finances, Financial Goals, Financial Literacy, Financial Planning, Financial Wize, FinancialWize, goals, good, government, great, guide, home, house, Inflation, interest, interest rate, interest rates, investment, investments, job, layout, Learn, Life, loan, Loans, low, LOWER, Make, Make Money, making, Mint, mint.com, mobile, money, More, opportunity, Other, pandemic, payments, Planning, pros, Pros and Cons, rate, Rates, refinancing, rewards, save, savings, Spending, Spending Less, student, student loan, Style, time, title, tools, value, wealth, white, will, work, Zero-Based Budgeting

5 Personal Budgeting Tools to Try

January 16, 2023 by Brett Tams

Budgeting is one of the most important aspects of personal finance. Whether you’re planning ahead for a big expense, like a wedding or a new home, or simply need to keep track of your monthly finances, a budget is your first step to getting everything in order. However, many people might struggle to make and

The post 5 Personal Budgeting Tools to Try appeared first on MintLife Blog.

Posted in: Financial Advisor Tagged: 2, 50/30/20 budget, aid, All, app, Apps, balance, before, big, bills, Blog, Budget, budget deficits, budget mistakes, budget planning, budget programs, Budget software, budget template, budget templates, Budgeting, Budgeting 101, budgeting apps, budgeting tools, build, calculator, car, Choices, Credit, credit card, Credit Card Debt, credit cards, Debit Card, Debt, Debt Repayment, education, efficient, Emergency, Entertainment, envelope system, expense, expense tracking, expenses, Family, family budget, Finance, finances, Financial Goals, Financial Wize, FinancialWize, food, fun, funds, get started, goals, good, graph, great, groceries, habits, health, helpful, home, household, How To, Income, index, Insurance, investment, items, language, Life, Loans, Main, Make, math, Medical, medical expenses, Mint, mint.com, Mistakes, mobile, Mobile App, money, monthly budget, monthly expenses, More, Mortgage, mortgage payments, movies, needs, new, new home, Other, patterns, paycheck, payments, Personal, personal budget, personal budgeting, personal finance, Planning, Popular, programs, Purchase, questions, Rent, retirement, Saving, Saving 101, savings, Savings Accounts, SEO, single, smart, Software, Spending, Strategies, student, Student Loans, Tally, title, tools, under, utilities, wants, Wedding, work, Zero-Based Budgeting

Fun Money: How To Save For It + Fun Benefits of Spending

January 10, 2023 by Brett Tams

With 59 percent of adults in the U.S. living paycheck to paycheck, many people struggle to have fun while still paying for their necessities. After all, it’s hard to spend money on yourself when you’re under financial stress. But creating a fun money budget can help you have a good time with any budget. To

The post Fun Money: How To Save For It + Fun Benefits of Spending appeared first on MintLife Blog.

Posted in: Financial Advisor Tagged: 2021, 3D, 401k, All, app, at home, Bank, bank account, bank accounts, bar, Benefits, bills, bitcoin, blockchain, Blog, Budget, budget app, Budgeting, Budgeting 101, budgets, build, burnout, Buy, Buying, car, Checking Account, contest, cooking, couple, crafts, Credit, credit card, cryptocurrencies, Debit Card, Debt, Decor, discover, education, Emergency, expense, expenses, experience, finances, financial anxiety, Financial Goals, Financial stress, Financial Wize, FinancialWize, fun, funds, Giving, goal, goals, good, Graphic, guide, health, helpful, home, Home Decor, Home Improvements, How To, improvements, Income, Infographic, interest, interest rates, items, library, Life, Lifestyle, list, Live, Make, making, mental health, Mint, money, monthly budget, More, more money, Move, needs, new, paint, paycheck, paycheck to paycheck, Paying Off Debt, payments, pie, Planning, present, Rates, remodeling, Rent, restaurant, save, Saving, savings, Spending, Strategies, stress, Technology, tips, tools, under, versus, wants, will, work, work out, working, Zero-Based Budgeting

Best finance apps of 2022: Which ones are right for you? | MoneyUnder30

January 10, 2023 by Brett Tams

Reach your goals and organize your money with apps that offer helpful features and time-saving tools. See the best finance apps of the year.
Posted in: Uncategorized Tagged: 2022, Acorns, advice, advisor, All, android, app, apple, Apps, assets, Bank, bank account, bank accounts, Banking, bills, Blog, bonds, bonus, Budget, Budgeting, budgeting apps, budgeting help, budgeting tools, budgets, building, Choices, clear, College, college students, Convenience, cost, couple, create a budget, Credit, credit card, credit cards, credit rating, credit score, crypto, custom, data, Debit Card, Debt, debt payoff, Debt Repayment, Debts, deposit, Digit, education, efficient, Entertainment, estate, ETFs, expense, expense tracking, expenses, Family, FDIC, FDIC insurance, Fees, Finance, finance app, finances, Financial advice, financial goal, Financial Goals, Financial Wize, FinancialWize, free budgeting, funds, Get Out of Debt, goal, goals, good, great, green, groceries, Grow, habits, helpful, How To, Income, Insurance, Invest, Investing, investing apps, investment, investments, iOS, IRA, job, journey, kids, late payments, Learn, Legal, Life, list, Live, LLC, loan, Loans, Make, Make Money, making, Managing Your Money, market, Mint, missed payments, mobile, money, money goals, Money Management, More, Mortgages, most popular, needs, net worth, new, offer, offers, organize, Other, password, patterns, paycheck, payments, Personal, personal finance, personal finances, personal information, pie, planner, Planning, Popular, portfolio, premium, products, protect, Purchase, questions, Rates, ready, Real Estate, retirement, Retirement Planning, retirement savings, Reviews, rewards, rich, risk, robo-advisors, Roth IRA, save, Save Money, Saving, savings, Savings Goals, SEC, securities, security, single, smart, Spending, stock, stocks, Strategies, student, Student Loans, students, target, tax, tips, tools, visa, wants, wealth, wealth management, will, work, working, Zero-Based Budgeting

Chapter 08: Zero-Based Budgeting 101

June 3, 2022 by Brett Tams

Putting your money to work is one of the best ways to maximize your financial potential. Whether you make six figures a year or minimum wage, every dollar you bring in is an opportunity to make more. But strategically allocating your finances is about more than just funneling money into your investment accounts. It’s also

The post Chapter 08: Zero-Based Budgeting 101 appeared first on MintLife Blog.

Posted in: Budgeting, Financial Advisor Tagged: 2, All, Amazon, Amount Of Money, balance, Bank, bank account, Budget, budget template, Budgeting, budgets, car, Checking Account, Christmas, city, cons, Consumers, cost, creating a budget, Credit, credit card, credit cards, Debt, debt payoff, education, efficient, expense, expenses, finances, Financial Goals, Financial Wize, FinancialWize, fun, gifts, goal, goals, good, great, groceries, habits, helpful, How To, Income, Insurance, investment, investments, job, list, Loans, maintenance, Make, making, Medical, Mint, money, More, more money, most popular, Move, needs, new, organize, Other, paycheck, Paying Off Debt, Personal, Popular, pros, Pros and Cons, relocating, Rent, routine, save, savings, single, Spending, student, Student Loans, taxes, tools, Transaction, Travel, under, vacation, wants, will, work, Zero-Based Budgeting

Chapter 07: Using the 50-30-20 Rule to Budget

June 1, 2022 by Brett Tams

So far in this series, we’ve answered important questions about budgeting, such as “What is a budget?” and “Why is budgeting beneficial?” This series has been focusing on how using a budget can help you keep your spending in check and ensure your savings goals are on track. One way to do that is using

The post Chapter 07: Using the 50-30-20 Rule to Budget appeared first on MintLife Blog.

Posted in: Budgeting, Financial Advisor Tagged: 2, 50/30/20 budget, All, apartment, ask, at home, Bank, Benefits, bills, Budget, Budgeting, Budgeting and Saving Money, budgeting software, budgeting tools, budgets, build, Buy, calculator, car, Career, Choices, coffee, Compounding Interest, cost, country, Credit, credit card, data, Debt, Debt Repayment, deposit, down payment, education, Essentials, expense, expenses, expensive, Fall, finances, Financial Goals, Financial Plan, financial stability, Financial Wize, FinancialWize, first budget, first home, food, foundation, General, Getting Started, goal, goals, good, Graphic, great, grocery, Grow, habits, health, helpful, home, house, Housing, housing costs, How To, Income, interest, Invest, items, job, journey, Learn, Life, Lifestyle, Live, Luxury, Make, Minimalist, Mint, modern, money, More, Move, needs, offers, Other, Pay Off Debt, paycheck, paycheck to paycheck, Paying Down Debt, Personal, pool, Popular, questions, relocating, Review, Salary, save, Save Money, Saving, saving money, savings, second, security, security deposit, Software, Spending, studio apartment, Style, sustainable, tips, tools, town, Transportation, Travel, trends, walk to work, wants, will, work, Zero-Based Budgeting

Chapter 09: Managing Your Money with a Budget

June 1, 2022 by Brett Tams

So far in this series, we’ve discussed what a budget is, what you should include in a budget, and the various ways you can make a budget–including zero-based budgeting, which we covered in Chapter 8. Now that you have all the budgeting basics, we’ll cover how you can manage your budget. Making your budget is

The post Chapter 09: Managing Your Money with a Budget appeared first on MintLife Blog.

Posted in: Budgeting, Financial Advisor Tagged: 2, All, app, basics, bills, Budget, Budget Upkeep, Budgeting, Budgeting Basics, Buy, Buying, city, cost, Credit, credit card, down payment, education, expenses, Fees, finances, Financial Goals, Financial Wize, FinancialWize, goals, good, groceries, health, house, How To, Income, Investing, investment, journey, Live, Make, making, Manage Money, Managing Money, Managing Your Money, Mint, money, Money Management, More, Moving, new, Other, overdraft fees, Personal, planner, Planning, priorities, Rent, Salary, save, Saving, savings, Spending, tips, tools, update, vacation, will, work, Zero-Based Budgeting
1 2 Next »

Archives

  • February 2023
  • January 2023
  • July 2022
  • June 2022
  • May 2022
  • April 2022
  • March 2022
  • February 2022
  • January 2022
  • December 2021
  • November 2021
  • October 2021
  • September 2021
  • August 2021
  • May 2021
  • April 2021
  • March 2021
  • February 2021
  • January 2021
  • October 2020

Categories

  • Account Management
  • Apartment Communities
  • Apartment Decorating
  • Apartment Hunting
  • Apartment Life
  • Apartment Safety
  • Auto
  • Auto Insurance
  • Auto Loans
  • Bank Accounts
  • Banking
  • Borrowing Money
  • Breaking News
  • Budgeting
  • Building Credit
  • Building Wealth
  • Business
  • Car Insurance
  • Car Loans
  • Careers
  • Cash Back
  • Celebrity Homes
  • Checking Account
  • Cleaning And Maintenance
  • College
  • Commercial Real Estate
  • Credit 101
  • Credit Card Guide
  • Credit Card News
  • Credit Cards
  • Credit Repair
  • Debt
  • DIY
  • Early Career
  • Education
  • Estate Planning
  • Extra Income
  • Family Finance
  • FHA Loans
  • Financial Advisor
  • Financial Clarity
  • Financial Freedom
  • Financial Planning
  • Financing A Home
  • Find An Apartment
  • Finishing Your Degree
  • First Time Home Buyers
  • Fix And Flip
  • Flood Insurance
  • Food Budgets
  • Frugal Living
  • Growing Wealth
  • Health Insurance
  • Home
  • Home Buying
  • Home Buying Tips
  • Home Decor
  • Home Design
  • Home Improvement
  • Home Loans
  • Home Loans Guide
  • Home Ownership
  • Home Repair
  • House Architecture
  • Identity Theft
  • Insurance
  • Investing
  • Investment Properties
  • Liefstyle
  • Life Hacks
  • Life Insurance
  • Loans
  • Luxury Homes
  • Making Money
  • Managing Debts
  • Market News
  • Minimalist LIfestyle
  • Money
  • Money Basics
  • Money Etiquette
  • Money Management
  • Money Tips
  • Mortgage
  • Mortgage News
  • Mortgage Rates
  • Mortgage Refinance
  • Mortgage Tips
  • Moving Guide
  • Paying Off Debts
  • Personal Finance
  • Personal Loans
  • Pets
  • Podcasts
  • Quick Cash
  • Real Estate
  • Real Estate News
  • Refinance
  • Renting
  • Retirement
  • Roommate Tips
  • Saving And Spending
  • Saving Energy
  • Savings Account
  • Side Gigs
  • Small Business
  • Spending Money Wisely
  • Starting A Business
  • Starting A Family
  • Student Finances
  • Student Loans
  • Taxes
  • Travel
  • Uncategorized
  • Unemployment
  • Unique Homes
  • VA Loans
  • Work From Home
hanovermortgages.com
Home | Contact | Site Map

Copyright © 2023 Hanover Mortgages.

Omega WordPress Theme by ThemeHall