The recently passed housing bill is chock full of provisions aside from helping those facing foreclosure, from giving the IRS access to Americans' credit card purchases to assisting first-time homebuyers. The legislation is first and foremost considered a bailout bill, but the clause about first-time buyers certainly caught my attention and that of the National Association of Home Builders — they believe it will get buyers back into the housing market.
The government is offering a tax-credit up to $7,500 to qualified first time buyers purchasing homes on or after April 9, 2008, and before July 1, 2009.
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We can't expect everything to be roses when two become one, and taxes after marriage can be surprisingly complicated (not that taxes are ever a simple cup of tea). Combining two salaries means you have a bigger pot to brew, but it could also mean that you end up paying more taxes as a married couple than when you both were single. Or it could mean less taxes.
Building up savings is one of the best ways to set ourselves up for financial success, and the amount of questions coming in lately about ING accounts tells me that you're all on your way. There are a number of online banks out there, meaning they don't have actual branches you can physically walk in to and speak to customer service in person, but ING is a particularly appealing choice to many savers for a few key reasons. Find out what they are when you .
Today is June 25, which marks the six-month point to the 2008 holidays. Hanukkah begins on December 21 this year, the 25th is of course Christmas, and Kwanzaa begins on the 26th. There's a good chance you know which friends and relatives will be receiving gifts this year from the little elf in you, so there's no excuse why you shouldn't begin setting aside money now for the holiday season.
There's no real secret to reaching your savings goals, but there is an attitude of commitment that you should consider adopting in order to accomplish them. In order to keep your commitment to save, make it a priority: decide what you will save each month and learn to live on the rest.
This approach ensures that you don't run out of money each month before you get around to saving some, and it means that you don't have to abide by irritating mantras like the latte factor.
