Helpful Hacks to Stretch Your Holiday Budget

While the holiday season is a joyous time of year, it can also be a stressful time both emotionally and financially. According to a study completed by the American Research Group, Inc., the average American is expected to spend over $900 on gifts this holiday season alone. If you don’t have $900 already set aside for gifts this season, you’re not alone. That’s why we’re bringing you our top tips to stretch your holiday budget below!

  1. Make a Plan

    First things first – sit down and take a hard look at your finances, how many people you’d like to purchase gifts for, and what your budget will allow. Making and pricing out a list will also help you to stay on track and on budget.

  2. Do your Research

    Have your eye on a specific gift for someone? Don’t jump on the first deal that comes your way. Try comparison shopping online or download a digital coupon app like RetailMeNot for deals and discount codes.

  3. Sign up for Email Alerts

    If you’ve got several favorite stores, make sure you sign up for email alerts to receive news and information on sales and discount offers.

  4. Pay with Cash

    While it’s tempting to charge up your credit card for gifts you think your family and friends will really love, setting a strict budget and taking out the exact amount of cash you plan to spend will help you to avoid that post-holiday debt.

  5. Take Advantage of Credit Promotions

    While we do encourage you to use cash to stay on budget, it may be smart to check into your credit card company incentives and promotions to see if they offer cash rewards or points that will help you earn more. If you do decide to go this route, please remember to use credit responsibly

  6. DIY

    It’s truly the thought that counts, so why not channel your creativity to make your own, personalized gifts for your loved ones? With the robust internet today, you should have no problem finding a number of ideas. Try checking out Pinterest to get you started.

  7. Set a Limit

    There’s no harm in proposing a monetary limit with family and friends to help you stretch your budget on gifts this year. It is likely that they are in the same boat as you are and will welcome the gift limit idea.

So, leave the stress behind this season and use these handy tips to help you stretch your holiday budget. As always, if there’s anything we can do to help, contact us today!

Why You Should Refinance ASAP

If you bought or refinanced your home prior to April of this year, there’s a good chance you’ll save money by refinancing to a lower rate or shorter term. In fact, Inlanta has already helped many of our customers save money with a lower rate this year!

What are some of the benefits of refinancing now?

Lower your Interest Rate

By lowering your interest rate, you’ll save money on your monthly mortgage payments. That frees up cash to help meet other financial goals or live more comfortably financially month to month.

Skip a Payment

Did you know that when you refinance, you actually end up skipping a monthly mortgage payment once the process is complete? That means, you’ll have a month with some extra cash to put towards other financial goals like paying down high interest credit card debt, and what better time of year to do so than after the busy holiday season?

Drop the PMI

With the current increase in many home values, a refinance could help you drop PMI (premium mortgage insurance) to help lower your monthly payment amounts and start the New Year with a lower payment.

Make Necessary Home Renovations

Is a new kitchen on your holiday wish list? A cash-out refinance loan offers you the chance to get the money you need to make the home renovations you’ve always dreamed of.

There are so many great reasons to refinance now and take advantage of today’s low rates. They won’t last long, so don’t miss out on this opportunity to save money, or shorten your term to build equity faster. Contact your local Inlanta Mortgage loan advisor today to see how you’d benefit from a refinance.

Happy 4th of July

4th of July

We wish you all a safe and happy 4th of July!

4th of July Firework Safety

If someone is setting fireworks off at home, please make sure they follow these safety steps to ensure a safe and fun environment:

  • Never give fireworks to small children, and always follow the instructions on the packaging.
  • Keep a supply of water close by as a precaution.
  • Make sure the person lighting fireworks always wears eye protection.
  • Light only one firework at a time and never attempt to relight a “dud”.
  • Store fireworks in a cool, dry place away from children and pets.
  • Never throw or point a firework toward people, animals, vehicles, structures or flammable materials.
  • Leave any area immediately where untrained amateurs are using fireworks.

4th of July BBQ Safety

Follow these steps to safely cook up your 4th of July feast!

  • Always supervise a barbecue grill when in use.
  • Never grill indoors – not in your house, camper, tent, or any enclosed area.
  • Make sure everyone, including the pets, stays away from the grill.
  • Keep the grill out in the open, away from the house, the deck, tree branches, or anything that could catch fire.
  • Use the long-handled tools especially made for cooking on the grill to keep the chef safe.
  • Never add charcoal starter fluid when coals have already been ignited.
  • Always follow the manufacturer’s instructions when using grills.

4th of July Fun – Via Pinterest

We have been pinning to our Summer Lovin’ Pinterest board for a while, but wanted to tell you about a few fun pins that you may useful as you plan your 4th of July activities:

About Inlanta Mortgage

Inlanta Mortgage is proudly celebrating twenty years in business. Learn more about Inlanta’s twenty year history here.

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is fully delegated HUD-FHA including FHA 203K, VA, and USDA approved. Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs here.

Inlanta Mortgage is a multi-state mortgage banker based out of Brookfield, Wisconsin. NMLS #1016. Inlanta Mortgage is a proud recent recipient of a Top Mortgage Lenders 2012 Award from Scotsman Guide and was recently recognized as one of the Fastest Growing Firms in the Milwaukee-Area by the Milwaukee Business Journal.

 

 

Holiday Songs

Christmas Music

Almost everyone has a favorite holiday song. What’s yours?

Here are a few links to some of the best holiday songs ever recorded (in our humble opinion):

From our families to yours – Merry Christmas!

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is fully delegated HUD-FHA including FHA 203K, VA, and USDA approved. Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs here.

Inlanta Mortgage is a multi-state mortgage banker based out of Brookfield, Wisconsin. NMLS# 1016. Inlanta Mortgage is proud to be a recent recipient of a 2012 Top Workplace Award.