David MulonasApr 14, 20212 minPFT #18 - Creating Disposable Income in the Budget When You Buy a New ProductSuccessful personal finance managers have discipline and put in the work to buy quality productand create disposable income.
David MulonasApr 11, 20212 minLoan-to-value (LTV)Loan-to-value (LTV) is what lenders measure when a borrower buys or refinances a home. The higher the risk, the higher the interest rate.
David MulonasApr 8, 20212 minPFT #17 - How Receipt Tracking Can Help the Budget and Save the EnvironmentWhat is good advice when managing store receipts from retailers? Some policies will give full credit, while others provide a store credit.
David MulonasMar 14, 20212 min#PFT 13 - Personal Finance Tip: How to Save Money on Your Electric Bill and Improve the Budget So what if you could follow these tips to save a few dollars on your electric bill and reduce the budget by 20% or so?