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Fixing your Personal Finances for Homeownership
Personal finance is an important factor in homeownership. Your credit rating and history impacts your interest rate, monthly mortgage payments, and insurance rates. The most common reasons for a financial downfall are medical fees and change and/or loss of employment. Everyone experiences difficult times, but it doesn't mean that you can't bounce back from a financial downfall.
Make a list of all of your outstanding balances.Outstanding and late balances can negatively affect your credit rating. This is a big part of finding out your financial shortfall. You can begin to repair your finances once you know where you stand. Contact your creditors to find out if their willing to negotiate a payment plan.
Check your credit rating.Checking your credit rating will give you an idea of the specific items that are negatively impacting your rating. You can begin improving your score once you prioritize the main sources of problems. Your credit report will also give you contact and account information for your past due accounts. By reviewing your credit rating you can prevent identity fraud.
Create a Budget.Most banks are now offering methods for consumers to track spending. Login to your bank account and find out how your are spending your ... more

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