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Money, Money, Money
Sara
Hello Week 11 of Project Money.
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Offer letter
Megan and Scott
To continue with our topic of home buying from last week’s blog, we wanted to reveal one important detail that we left out which can be crucial to helping get an offer accepted on a home: an offer letter!  We cannot remember who told us about creating a statement about the home buyers, but it definitely worked in our favor when we put in the offer for the house we live in today! Considering the status of the housing market right now, you want every advantage you can get to help you obtain your dream home.
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Taking control of our finances!
Jaclyn and Kiara
Welcome back everyone! This week we are talking about BALANCE TRANSFERS! We met with our financial coach Jamie recently and we are planning on making some big moves here in the near future.
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Let’s talk about Money Minder
Angie and Cris
Money Minder is a useful tool to keep track of all your finances in one location and is an easily accessible tab in online banking.  You can add accounts from other financial institutions and view transactions and balances all in one spot.  The set-up – adding accounts from other institutions – is the part that may take the longest amount of time to complete.   Investing your time to set up Money Minder can pay out in the long run.
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Refi on our HELOC
Angie and Cris
What the heck does HELOC stand for?  Well, it stands for Home Equity Line of Credit, and many homeowners have them.  It works like a second mortgage in the fact that it is long term, but you only have a payment if you need to use the money.  It turns your extra home value into cash you can access as needed.  Your payment will be based on the amount of money you withdraw from it.  The interest can also be tax deductible, depending on your individual situation.  The HELOC can also benefit you on your credit report greater than a credit card can. 
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Save whenever and wherever you can!
Jaclyn and Kiara
So guys, it has been a really long week for us. Thank goodness for meal prepping and daily naps. We did a thing this week that we probably shouldn’t have but that’s what these blogs are for right? It wasn’t anything super huge but we did spend some money that we didn’t account for. We ended up getting our eyebrows done, bought new foundation and a new bow tie for a wedding that we attended this weekend. The thing is though that since we have changed our spending habits and started truly budgeting our money, these purchases won’t truly hinder us in any way.
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