You’ve probably heard how giving not only benefits the recipients but the giver. However, what do you do when you’re in debt? Learn how you can pay off debt and give more to the causes that matter most to you! Giving While in Debt? When people ask this, two things jump out at me. First, […]
Looking to make your student loan payments more manageable or want to get rid of them faster? Learn how you can consolidate and refinance your student loans and put yourselves in a position to build up wealth.
[smart_track_player url=”http://traffic.libsyn.com/couplemoney/How_to_Refinance_and_Consolidate_Your_Student_Loans.mp3″ social=”true” social_twitter=”true” social_facebook=”true” social_gplus=”true” ]
Consolidate and Refinance Your Student Loans
Student loans can be a huge weight on your budget. According to what I’m seeing and hearing, it’s also becoming more and more common.
I was reading a MarketWatch about 70% of bachelor’s degree recipients graduate with debt!
Edvisers, a financial aid site, reported that last year graduates on average were each on the hook for over $35,000 in student loans.
If you’re still saddled with a student loan, stay tuned because we’re going to try and lighten that loan. Jereme from Credible comes on the show to work through solutions.
In this episode we get into:
- the difference between refinancing and consolidating them
- shopping around for the best deals
- how to speed up paying them off
Hope your enjoy!
Being Financially Savvy with Student Loans
Student loans are a big business. It’s estimated that the total outstanding student loan debt in the U.S. is $1.2 trillion.
Getting your student loan debt under control whether its getting the payments to work with your financial situation or getting rid of them as soon as possible can be a huge relief.
Consolidating and/or refinancing your loans can be the ticket.
I’m a big believer in shopping around to get the best rates and service so I like that there are companies like Credible that make it easy to hunt around from home.
Once you find the best option for you it’s time to decide how you want to tackle this. With a hopefully minimum lower payment and/or interest rate, you may be able to get rid of your loans sooner.
Love your smartphone, but hate how much you have to pay? Learn how innovators like Republic Wireless use technology to offer the best deals on smartphones!
[smart_track_player url=”http://traffic.libsyn.com/couplemoney/How_to_Get_the_Best_Deal_on_Smartphones.mp3″ social=”true” social_twitter=”true” social_facebook=”true” social_gplus=”true” ]
Finding the Best Deals with Smartphones
Whenever I write about savings money, I make a few suggestions on where people can pare down with their bills.
- Ditch the cable – check
- Eat out less – check
- Dump their cellphone – wait, wait, that’s not going to happen
Americans love their smart phones. According to a recent Pew Research Survey, 68 percent of adults in the United States currently own a smartphone, that’s a considerable jump up from 35 percent in 2011.
And I get it – We both have smartphones. They are awesome and we use them for so much more than just calling.
Hunting for Smartphone Deals
The problem I had was the price. Up until a few years ago, we were paying $150/month for two lines. Between the two of us we’ve been on all the major carriers. Verizon, Sprint, T-Mobile, AT&T.
We switched between providers to see if we could get better deals since the service and coverage for the most part were fairly equivalent. At least where we were at.
If you feel the same way, I think you’ll like this episode because now there are innovators and competitors who are offering service at a fraction of the price you’re into.
And one of those companies, Republic Wireless, is on show to share what’s going on with smartphones.
In this episode, we’ll get into:
- how technology had shifted and,
- how you can save big
Hope you enjoy!
Republic Wireless and Refund Plans
Jon Schniepp, SVP Product Management at Republic Wireless, was kind enough to come on the podcast to talk about how technology like Wi-Fi and hybrid calling can unlock savings with your phone bill.
Hybrid calling has your phone use Wi-Fi for calls, web, text, and all things mobile. If there isn’t Wi-Fi available then your phone uses the cellular network. With so many Wi-Fi spots around the company is betting that it can help customers save money.
They offer seamlessly transition between wi-fi and celluar so you shouldn’t notice anything when you’re on a call if you move between one and the other. I’ve used my phone and have found it and the service works just as well as ‘conventional’ phone providers in my area.
Smartphone Plans That Fit Your Budget
If you’re looking to make the switch with your smartphone providers, here are some companies and resources to check out:
Real Estate agent Louis Guillama from Daymark Realty shares tips and advice on how to spot a gem in the rough when buying a house. Be a better home buyer the next time you’re in the market!
[smart_track_player url=”http://traffic.libsyn.com/couplemoney/How_to_Get_a_Deal_on_Buying_a_House.mp3″ social=”true” social_twitter=”true” social_facebook=”true” social_pinterest=”true” ]
Finding Deals for Home Buyers
Every time I’m driving around Raleigh, I see for sale signs. According to Realtor.com, almost 3,000 are listed for sale and in the last three years prices have been rising. Right now the median listing price is $314k.
For couples looking to score a deal on their first or next house, it may seem difficult.
Fortunately, Louis Guillama from Daymark Realty is here to help.
In this episode, we’re getting into:
- how to decide what home feature suit you
- finding a deal on your next place
- how to see if a fixer upper is a gem in the rough or a disaster
Your home is most likely the biggest purchase you’re going to make so it really does pay to be prepared before you sign those papers.
Buying a House You Love
Finding a house that fits you isn’t as easy TV makes it, but having someone experienced can make the process less stressful.
Louis works at Daymark Realty which is owned by Coastal Federal Union. We used them when we were hunting for our current place. With Anita Oxford from the team helping us our we got a deal on a house we love. That’s what made me reach out to Coastal for this episode.
Besides working with clients as a real estate agent, Louis also leads seminars for fir-time home buyers. But even with his technical and practical expertise, he still encourages clients to be involved and asks questions.
The first step is knowing what you’re looking for. Besides your budget and location, the two of you should sit down discuss what features you need in a house. Your house is a part of your life, so plan accordingly.
With over 17 million Americans victims of identity theft in 2014 alone, it’s even more important to learn how to protect yourself. David Rubinstein from Credit Shout shares the tools and resources you can use to make it harder for thieves to steal your personal information.
[smart_track_player url=”http://traffic.libsyn.com/couplemoney/How_to_Protect_Yourself_Against_Identitiy_Theft.mp3″ social=”true” social_twitter=”true” social_facebook=”true” social_gplus=”true” ]
Protecting Yourself Against Identity Theft
Identity theft is a popular topic in the news. Whether it’s data breaches, tax fraud, or old fashion dumpster diving, it’s even more
important to be smart with your personal information.
In this episode, David Rubinstein, owner of CreditShout and CreditForums is here to help.
We’ll look at:
- how to better protect yourself offline and online
- the difference between fraud alert & credit freeze
- whether or not identity protection services are worth the costs
I hope you enjoy!
Helping Sort Finances with Credit Shout
Special thanks again to David for sharing his tips and research. Please check out CreditShout. David and his team have some great information,
not just on credit cards, but also some detailed articles on finances including:
- Why Identity Theft Insurance May Not Be Worth the Cost
- How Two Factor Authentication Helps Protect You From Identity Theft
Additional Resources on Fighting Against Identity Theft
Sarah from High Fiving Dollars discusses tips on how you two can get more open and comfortable talking about money as a couple.
[smart_track_player url=”http://traffic.libsyn.com/couplemoney/Dealing_with_Money_as_a_Couple_with_High_Fiving_Dollars.mp3″ social=”true” social_twitter=”true” social_facebook=”true” social_pinterest=”true” ]
Dealing with Money as a Couple
Welcome to a bonus episode!
I had such a great time talking with Sarah from High Fiving Dollars. Besides sharing her experiences working abroad, she some great and real stories about the psychology of money and becoming more comfortable with talking about it as a couple.
Since it didn’t have too much to do with our original focus of working abroad, I split the interview. So here it is. Hope you enjoy!