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The cost of living is soaring, petrol prices shoot through the roof, high electricity bills, rising cost of health care, interest rate hikes, plummeting housing affordability, record rental supply shortages – how can an average family navigate through the turbulent financial ‘mess’ that we’re living in without ‘eating out of the pan’?

On this page you’ll find simple tips for the frugal and money conscious people, to help you fix the leaks in your family budget and even improve your standard of living. So you and your family can continue to lead a ‘comfortable’ life without you having to take on an extra job or work longer hours.

In fact by making just a few simple changes in your lifestyle you can find ways to free up EXTRA CASH and end up with more money at the end of each week.

You need to have a plan and a strategy because it all adds up (gas, electricity, water, heating, and credit card interests) at the end of each week, month and year.

In these difficult times, reckless spending should be nipped because you can never be too sure of what lies ahead. That way you will be better prepared if push comes to shove.

Is it safe or frugal to take on a mortgage in these uncertain times?

Interest rates on mortgages are the highest they have been in the past five years.
Still, today's rates are well below the historically high rates of the 1980s when new homeowners were faced with mortgages of 16, 17, or 18 percent and higher.

Hopefully, the days of stratospheric interest rates will never return, but in the meantime we must consider how you can take advantage of the current situation.

If you are in search of a mortgage loan, then you can get a low rate, even below the national average. Read on, please, and we'll take a look at several funding sources for low rate mortgage loans.

Government Programs - Government backed mortgages can be one source of low rate mortgage loans. HUD financing, FHA backed loans, and VA funded loans can all be taken with below the prevailing national mortgage loan rate.

In addition, some states and cities provide special incentive loans to encourage buyers to choose homes in distressed neighbourhoods. In return, you may qualify for a loan that is as much as a full point below the current market rate.

Excellent Credit - If you have excellent credit then the lowest mortgage loan rate has already been reserved for you. Not sure if you qualify? Well, then obtain copies of your credit reports and credit scores to determine your eligibility. If you score at the top, then the lowest rate is available to you. If you aren't sure that the rate quoted is your mortgage lender's lowest rate, then ask for their best rate.

Credit Unions - Did you know that credit unions sometimes offer their members the lowest rate? This often overlooked source of new mortgage loan financing could be one more way for you to secure a low rate mortgage loan.

Community Banks - The big national banks get all of the press, but your community banks really do know and understand their community. Rates can be favourable as their overhead are low; shop the community banks to compare offers. You just may be surprised at what you find!

Seller Financing - In some areas of the country where the housing market is distressed, you may find sellers who are willing to hold your mortgage loan. This could involve a five year note with a balloon payment at the end. This would mean that your loan comes due at that time, but you could seek funding elsewhere when that happens.
Yes, a low interest rate mortgage loan is something consumers should seek in order to keep payments low. You may be eligible for one of the above so do your research first before applying!

What if you’re not eligible or simply want to keep MORE MONEY in your pocket each week?
On this page you’ll find a collection of tips and money saving strategies to help you discover your spending habits, and free up extra cash without effort.

Remember, money saving is not obvious. Many people can’t figure out how to make both ends meet. That’s why you need to understand what those latest money saving tips are so you can take advantage of them quickly.

You’ll also learn how to make your house more energy efficient, tips on saving money during home improvement projects, is it possible to run your car on water or is it a scam, how you can save on the mindboggling credit cards interest, how to save on your petrol expenses. And a gazillion of little-known strategies and tips you can easily do TODAY to end up with ‘extra’ money at the end of each week, each month and each year!

There are little ‘vampires’ that suck the blood out of your family budget and make you frustrated and angry because no matter how much your earn there is never enough. If you follow the simple tips and guides on this page, that could change for the better as soon as this week!
Good Luck.