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Your best bet is to see if your home value has bounced back enough that you can roll the equity line into a new low-rate mortgage, while rates are still well below 4 percent. RealtyTrac estimates that $158 billion from 3.3 million lines opened between 20 will start coming due this year, with the average payment rising by $138 for loans that reset next year. Set up automatic payments so you don't lose your savings to late fees.Īnyone with a home equity loan or line of credit dating to the housing boom will find it's coming due soon, since most home equity deals run for 10-year terms. If you've got any high-interest debt, this is a good way to pay it off cheap.
Deals of 0 percent interest for up to 18 months on balance transfers are among the best offers, usually with a fee of 3 percent of the balance. If you've got decent credit, chances are you've got a pile of junk mail with some very attractive credit card offers that will be disappearing very soon.
If that's the case for you, use the withholding calculator to make sure you'll hit your savings goal without having more than that withheld. It's better to avoid going into debt for your vacation or the kids' summer camp or whatever other use to which you put your refund. Some experts would scold that you're losing interest, but rates are so low that it's not any significant amount of money. If you're the kind of person who needs Uncle Sam to force you to save, then there's no shame in that.
But you're better off saving it, if you can, which you can since you haven't been getting it before now, so do that, OK? Or, if things are tight, just use the extra cash to keep from putting other purchases on credit or overdrawing your checking account. Link the online bank to your local checking account. You can set up an online savings account to actually get some interest by having the extra money from your paycheck regularly deposited at an outfit such as Capitol One 360, Sallie Mae Bank, Ally Bank or Bank of Internet.
#Cleaning staples mailmate shredder how to
Click over to IRS.gov and search for "withholding calculator." Use your last return and paycheck to calculate your liability and find out how to adjust your withholding forms. If you got a big tax refund, consider adjusting your withholding so that you get that money in each paycheck instead of a lump sump next April.
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Staples has a deal for up to 5 pounds of free shredding that runs until May 2.
#Cleaning staples mailmate shredder download
You need to print a coupon or download it to your smartphone, and the deal is good until Saturday. You can invest in a good quality cross-cut shredder (I like the Staples Mailmate, now on sale in white for about $58) or hit Office Depot, which lets you bring in as much as two pounds of documents to shred for free. Do whatever works for you, just make sure it's easy enough to access and maintain in the coming the years. Separate your permanent records from the tax stuff you'll toss in three years (or seven years if you filed a claim for a loss from worthless securities or bad debt deduction.) You can scan it all and store it on your own disc or thumbdrive and/or in the cloud, make a nice file folder or set up a binder. That means things like end-of-year brokerage statements, annual Individual Retirement Account statements, receipts, deeds, insurance policies (unless expired) and so on. Beyond taxes, hang on to paperwork that you'll need in future years, either to file taxes, get money, prove ownership, back up warranties or other specific future issues.
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