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A coward is a hero with a wife, kids, and a mortgage. Marvin Kitman
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Resource box: Henry Diaz writes about finance online. You can read more about auto refinance on his websites. Finance accessories, products, tips, resources
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Tags: personal finance, personal finance budgeting

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While the economy has already certainly softened, there may be further economic contraction for American consumers to face. Increasing job losses, higher inflation rates, and the growing food and energy costs are making personal finance budgeting difficult for most American families to achieve. The variable interest rate of recent mortgages makes critical, and the prospects for personal finance do not look bright for the next several years.

However, an ounce of personal finance planning is certainly worth more than a pound of monetary cure. It is not too late to start preparing your personal finance budgeting efforts to brace yourself for further economic contraction – ensuring that when America does recover from its economic weakness, your personal finance will be intact and still healthy.

Debt management strategy: watch your interest rates

When economic uncertainty is on the horizon, interest rates are the first to react – making debt management critical. Powered by both the Federal Reserve rate and each banking institution’s tolerance, interest rates can either soar or plummet, depending upon several factors.

Whereas our interest rates were at historical lows, the Fed Chairman Bernanke made adjustments to the rate in order to curb inflation, while attempting to simultaneously stimulate economic investment. What does this mean for your debt management? In essence, banks will now offer you great interest rates if you have good credit, making your debt management easy. If you have bad credit, then banks will increase your interest rates, as the risk of a default grows greater during an economic contraction.

Therefore, for debt management that will prepare for further economic contraction, you want to lock in low interest rates, which will be easy for those who already have good credit. You can refinance your credit cards by consolidating your debts, or you can even renegotiate your interest rates with your existing credit card company.

For those who have less than stellar credit, you want to carefully watch your mortgages, loans, and credit cards to ensure that they are not raising your interest rates. You may be particular susceptible to interest rate hikes in further economic contraction.

Smart personal finance budgeting

Keep in mind that regardless of how much income you earn, the key to maintaining financial stability is through intelligent debt management and personal finance budgeting. Even if you earn millions, your spending habits and debt are what determine your financial stability. In preparing for a further economic contraction, it is important that you take several personal finance budgeting steps:

• Tally all of your required expenses including your mortgage or rent payment, car payment, health insurance, and utilities. There are the bills you must pay each month, and therefore, are part of your mandatory personal finance budgeting process.

• Allocate a set amount each month for groceries. Keep in mind that you should try to purchase everything “on sale” for smart personal finance budgeting. Research shows that simply by purchasing the brand that is on sale, you can save approximately 20% each time you go to the supermarket.

• Minimize your entertainment expenses. Smart personal finance budgeting means limiting how frequently you eat out, or spend money on entertainment. For example, if you have a four-person family and you typically watch a movie at the theater each week, cutting this expense out could save up nearly $200 each month. Or, brown bag your lunch instead of eating at the local sandwich shop. This small change in your personal finance budgeting can save you conservatively $150 per month. Just these two small changes alone in your entertainment expenses can give you an extra $350 per month for your personal finance budgeting.

• Set money aside for your savings. In a further economic contraction, the greatest, yet most probably fear, is losing your job. Therefore, by taking conservative approaches with your personal finance budgeting now, you can still set aside emergency funds that will help your family if times are difficult. Saving 10% of your income each month is a healthy, yet reasonable, amount to save in your personal finance budgeting.

The key to protecting your personal finance against any additional economic contraction is through smart debt management and intelligent personal finance budgeting. By taking several preventative measures now, you can ensure that your financial situation will remain healthy – regardless of what happens to the economy.
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Take charge of your financial freedom by reading valuable debt management resources resources found at the personal finance budgeting portal www.MoneySpud.com .

Tags: debt management, personal finance, personal finance budgeting

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First home buyers, investors and those looking to upgrade their property by way of home improvements or the purchase of a bigger home are all in a better position to do so than they were some six months ago when home finance interest rates were looking like hitting 10% p.a. In mid-2008 the Reserve Bank of Australia was lifting interest rates to curb inflation knowing that an increase in the Official Cash Rate would soon be passed on to home finance and investment loans. Home finance interest rates had not been so high for many years and the impact on cash flow was significant. Rising home finance interest rates together with escalating petrol prices resulted in a drop in residential property sales and a decrease in home finance loan applications for not just the purchase of investment property or owner occupied dwellings but also for planned home improvements. The real estate industry was concerned that the cost of home finance would lead to a significant drop in auction and private sales and the construction industry was concerned because unless first home buyers can afford home finance then they do not enter the market, the demand for new housing or house and land packages subsides and the building industry suffers greatly. It is unlikely that this upward trend in home finance interest rates would have abated but for the sudden global economic crisis that stemmed from irresponsible home loan lending in the USA where borrowers were persuaded to take up home finance that they could not in reality afford to repay or service. The high level of defaults that resulted from the failure to meet interest repayments under home finance arrangements soon saw a glut of residential properties on the market and this resulted in huge falls in the value of home properties. In Australia, home finance lending has been much more responsible with an overwhelming majority of mortgage brokers and lenders carefully vetting home finance applications to ensure that borrowers could afford to meet their home finance repayments even if interest rates continued to increase. As a result Australia has not seen a significant increase in the level of home finance defaults where they are the direct consequence of irresponsible lending. Any significant increase in home finance defaults has generally been caused by either matrimonial problems, loss of employment or over-spending by borrowers on credit cards as they purchased household goods that they really could not afford and certainly had not saved up for. The economic global crisis has resulted in the Reserve Bank of Australia reversing the upward trend in home finance rates by reducing interest rates by as much as 1% in October and another 0.75% in November. A further interest rate reduction is expected in December which should see home finance interest rates as low as they have been in many years. The reduction in home finance rates will free up cash flow for many borrowers who might previously been finding it tight to manage their household budgets. Petrol too is dropping on a daily basis with predictions now being for prices at the pump to get below the $1 per litre mark in the first quarter of 2009. All these changes auger well for first home buyers, investors and those wanting to upgrade as these decisions are now affordable with home finance interest rates below 7% p.a. variable, and fixed home finance rates at below 6 % p.a. Provided you feel that you hold a secure job, then now might be a good time to apply for home finance. It is unlikely that this upward trend in home finance interest rates would have abated but for the sudden global economic crisis that stemmed from irresponsible home loan lending in the USA where borrowers were persuaded to take up home finance that they could not in reality afford to repay or service. The high level of defaults that resulted from the failure to meet interest repayments under home finance arrangements soon saw a glut of residential properties on the market and this resulted in huge falls in the value of home properties. In Australia, home finance lending has been much more responsible with an overwhelming majority of mortgage brokers and lenders carefully vetting home finance applications to ensure that borrowers could afford to meet their home finance repayments even if interest rates continued to increase. As a result Australia has not seen a significant increase in the level of home finance defaults where they are the direct consequence of irresponsible lending. Any significant increase in home finance defaults has generally been caused by either matrimonial problems, loss of employment or over-spending by borrowers on credit cards as they purchased household goods that they really could not afford and certainly had not saved up for. The economic global crisis has resulted in the Reserve Bank of Australia reversing the upward trend in home finance rates by reducing interest rates by as much as 1% in October and another 0.75% in November. A further interest rate reduction is expected in December which should see home finance interest rates as low as they have been in many years. The reduction in home finance rates will free up cash flow for many borrowers who might previously been finding it tight to manage their household budgets. Petrol too is dropping on a daily basis with predictions now being for prices at the pump to get below the $1 per litre mark in the first quarter of 2009.
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My choice finance is a mortgage broker company, it offers competitive rates for car finance and home finance.

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Buying a new or second hand is always an expensive business and unless you are one of the dying breed of motorists lucky enough to be a cash buyer, then how you finance your new purchase is going to be a major consideration.

So, what are your options?

Basically, you can look at the dealer’s own finance schemes (‘schemes’ in most cases, being the key word here!); by taking out a car loan
from a loan provider or bank; or, by remortgaging.

Car dealer finance

With car dealership finance, there are many different types available. However, in most cases, they work out the most costly way to fund a new motor. This is because car dealers are in the middle men between you and the finance company who are offering the loan and while the ‘money’ is changing hands, the car dealer likes to take his own little cut.

This will be reflected in the interest rate you are offered by the dealership, which will in most cases be bumped up from what the finance company are asking.

And if you see a 0% finance deal, while it will seem attractive to everyone, even those who could be cash buyer, you need to ask yourself why they are offering such a good deal. Is it because they need to shift this particular make and model of car as it isn’t selling?

If this could be the case, what hope will you have of selling a few years down the line when you decide to get another vehicle?

Or is the 0% finance deal on offer because there are hidden extras that will be added in to the overall costs so that the dealership stills makes a nice little profit, which mans you are paying over the odds for the car?

Also remember that should you miss your monthly credit repayments on the car, it could be repossessed, leaving you literally stranded.

Do your research thoroughly before signing up to a 0% finance deal – everything in life comes with a price tag even if it is hard to see.

Personal loans

By arranging a personal loan even before you set foot inside a showroom, you put yourself in a much better position as you will have a lot more bargaining power. Plus, it means that once you sign on the dotted line for your new car, you own it completely, even if you do have a debt to pay it.

Finding the cheapest personal loan in order to finance a car can be simple. It’s all a case of shopping around for the right deal. Of course the internet makes this easy for you, giving you access to literally hundreds of providers and deals. You can compare interest rates as well as terms and conditions and can even apply online.

Always get a fixed rate loan for a shorter time as possible in order to know exactly how much you are paying out each month and to minimise the amount of interest you will repay.

Remortgaging

Finally, remortgaging is another way to finance a new car. However, do bear in mind that while you may be paying a low rate of interest (mortgage rates in general are lower than personal loan rates), the payment will be spread over a longer period of time - up to 25 years depending on the term on your mortgage.

So, you’ll be paying lots and lots of interest back on it.

You should also ensure that the extra repayment is affordable. Should this extra repayment be a burden on you finally and you start to miss repayment, it will be your home, not your car, that will be repossessed.
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Jason Hulott is Business Development Director at Homeowner Loans service, PolarLoans. Visit PolarLoans now for more information about Homeowner and Secured Loans.

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The most common form of secured finance is a home loan. Here are the basics that are universally the same. The first thing you must know that, even though it is secured finance which has relatively fewer risks for the lender than an unsecured loan, it is still a major purchase and a loan of a substantial amount of money for a private individual to borrow.

Be prepared, for that reason, to fill out an extensive loan application, and a lot of information on the property that is being used to secure the financing. Be prepared to explain your budget - your income and your expenses, your assets and your liabilities.

Be aware as well, that your secured finance options can change at any time, as rates do change. Once you have that secured financing in place keep an eye on interest rates.

It may be that somewhere down the road you will see interest rates drop and can save some money through a refinance process on the same secured property. Refinancing a mortgage has become quite commonplace.

When you see a better rate that will save you some money, and more attractive terms, try to take advantage of that secured refinance opportunity to save yourself a considerable amount of money over the life of the mortgage.

No matter which finance option you choose - and for a home loan its almost undoubtedly going to be secured - you must make your payments on time. This is the most important thing you can do to your credit and your ability to retain your home. Nothing can hurt your credit rating than making your mortgage payments late.

And since it is a finance options secured with your own home, youre risking the roof over your head when you are late with a payment. If your mortgage company offers automatic debit payments through your bank account take them up on that. Dont risk your home and your credit.

The options for buying a new car with a loan are generally going to be secured finance deals, although you can make them with the auto dealer or with the bank. You generally have a greater percentage of your own money in the way of cash or a trade in of your present car than you do for a home loan, but you almost always need a secured finance lender as well.

The other choice you would have is to lease the car. The problem with leasing is that the car is never really yours and to make it so you will end up with a huge balloon payment at the end of the lease.

The auto dealer finance option, still secured with your new vehicle, means higher interest rates than most financial institutions. It does have its benefits, however. For one thing you can buy the car, finance the car on the spot and drive it home. For busy people this can be a considerable savings of itself.

Auto dealers have relationships with many lenders and know what institution will lend you what money and at what particular rate. They can, therefore do your comparison shopping for you and generally get you the best deal possible. If your credit is good these auto dealers may also have a special limited time offer on new car loans that they use as incentives.
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James Copper advises people on secured finance and secured loans.

Tags: debt, finance, home loans, secured finance, secured loans

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