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    Smart Home Tips: Credit, Money, Budget, Debt, Payday Loans
    Smart Home Tips: Credit, Money, Budget, Debt, Payday Loans
    Smart Home Tips: Credit, Money, Budget, Debt, Payday Loans
    Ebook59 pages51 minutes

    Smart Home Tips: Credit, Money, Budget, Debt, Payday Loans

    By Linda Carol Everett

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    About this ebook

    Staying ahead of monetary problems is the top tip you need to remember for running a smart home. This ebook offers proven advice about how to deal with credit, money, budget, debt and payday loans. These financial tools can all work together and can be used to achieve your personal and household financial goals. Once your money house is in order, most other problems should fall in line as well. Being educated about the use of money and all forms of it such as credit and debt is something unfortunately learned the hard way when mistakes are made. Learn now and try to avoid future mistakes. Money can be managed better by understanding this basic information. This is the book for all young homemakers who want to have a great financial future.

    LanguageEnglish
    PublisherLinda Carol Everett
    Release dateJul 22, 2012
    ISBN9781476428833
    Smart Home Tips: Credit, Money, Budget, Debt, Payday Loans
    Author

    Linda Carol Everett

    Linda Carol Everett has been a professional copywriter for over four decades. She has worked in media sales, writing and photography at radio, tv stations and at advertising agencies, in addition to running several websites. She has been successfully writing online web content for many years, including SEO projects for clients worldwide. She is a certified Paralegal.Her article writing can be viewed at: http://www.grandmaslittleblackbook.com.In past years, Linda was writer/photographer for two versions of Windsor Publications Newcomers Guide to Ingham, Eaton, and Clinton Counties. For ad agencies, she has contributed writing and photographic skllls to a variety of client orders, for national companies as well as local businesses. One of her first radio copywriting jobs was for a then fledgling pizza business in East Lansing, MI, Domino's Pizza.Most recently, Linda has been writing web content articles for several online text service companies. She has successfully sold over 10,000 web content articles in the past four years, and sells eBooks for freelancers and others on her website. She has 23 eBooks for sale online.Linda graduated from Michigan State University with a B.A. in Communication Arts, in 1972. She completed certification as a Paralegal in 2004.

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      Book preview

      Smart Home Tips - Linda Carol Everett

      Smart Home Tips: Credit, Money, Budget, Debt, Payday Loans

      By Linda Carol Everett

      -*-

      Smashwords Edition, License Notes

      This ebook is licensed for your personal enjoyment only. This ebook may not be re-sold or given away to other people. If you would like to share this book with another person, please purchase an additional copy for each recipient. If you’re reading this book and did not purchase it, or it was not purchased for your use only, then please return to Smashwords.com and purchase your own copy. Thank you for respecting the hard work of this author.

      -*-

      SMART HOME TIPS: Credit, Money, Budget, Debt, Payday Loans

      Running a smart home means taking control of what keeps that home running – your money, your credit, your debt and your monthly budget. Perhaps the most important thing on this list is your budget. This is the place where you plot out expected income and anticipated expenses in advance, so nothing sneaks up on you. If you do not have a budget, you have far less control over your money, your credit and your debt load.

      Yes, credit is important, and so is money management. Debt can wreak havoc on your smart home and money management if it gets out of control. Some debt can be good, such as your mortgage or car loan, items that allow you to become an owner of something that otherwise would be beyond your reach monetarily.

      In this ebook, we will examine points about credit, money, debt, budgeting and even payday loans. These are financial tools you can use to keep your smart home running smartly and above water. The home is your shelter, your castle and the one item you will purchase or rent that allows you to enjoy everything else in life. It is where you put down roots, raise the kids and spend most of your non-working time. If you lose your home because you do not have control over your money, you will be in a very unfavorable life position.

      So, let’s get started on this little journey through the financial tools you can use to keep your home running smartly. Do it right and before you know it, that mortgage will be completed and the deed solely in your name. Do it all wrong and you may find you end up starting over with bad credit and no home to enjoy. We will begin with credit, because that is where most people who are purchasing a home begin, with decent credit that allows them to obtain a home mortgage.

      -*-

      CREDIT

      Why Credit is Important

      Credit is important today because it is so commonly used and available that it has become part of economic life. In the old days, people would strive to be indebted to no one, paying cash and saving up funds for large purchases. Way back in history, some persons were even thrown into debtor’s prison when they could not pay up what they owed to others. While you may not end up in prison today, not being able to repay credit can cause you a large amount of emotional and mental agony. Credit is thrown out to everyone whose attention can be caught, including students who are barely of age to execute a valid contract. The moment you begin adult life, your credit history may also get a start. Utility bill payments can be reported to credit reporting agencies, who then compile a long list of your public financial transactions. When you obtain your first credit card, debit card or store account that credit history begins its long, winding trail.

      If you have no credit, you may be in a better place than some to obtain some type of financial account. Even those who have gone bankrupt may have more opportunity to again step into the credit swamp than those who are struggling to pay on a few credit accounts they have already established. The reasons behind all this probably belong in the psychiatrist’s office.

      Still, without a good credit history, you may find the way to your dreams of home ownership or of a vehicle purchase are very difficult to manage. With a good or excellent credit record, you have that highway to the credit sky opened wide, with lower interest rates, perks, availability, limit increases and other alleged bonuses.

      Problems arise when credit is mismanaged, used for ordinary living expenses, or when it allows you to live beyond your normal means. If you cannot afford something, you turn to credit and thus you begin your future with income you have yet to earn already promised to someone else. You no longer

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