Question 1

What are the different types of mortgages?

Accepted Answer

Common mortgage types include: Fixed-rate mortgages (interest rate stays the same), Adjustable-rate mortgages (ARM, rate changes periodically), FHA loans (government-backed, low down payment), VA loans (for veterans, no down payment), USDA loans (for rural areas), Jumbo loans (for expensive properties), and Conventional loans (not government-backed).

Question 2

What is the 50/30/20 budget rule?

Accepted Answer

The 50/30/20 rule allocates 50% of income to needs (housing, food, utilities), 30% to wants (entertainment, dining out), and 20% to savings and debt repayment. Review bank statements to track adherence to these percentages.

Question 3

How do I cancel automatic payments?

Accepted Answer

Contact both the merchant to cancel authorization and your bank to stop payment. Notify at least 3 business days before the scheduled payment. Confirm cancellation in writing and monitor your account for any subsequent charges.

Question 4

How do I read a credit card statement?

Accepted Answer

To read your credit card statement: check your statement balance (total owed), note the payment due date and minimum payment, review all transactions for accuracy, look at fees and interest charges, check your credit limit and available credit, and verify your rewards or points earned. Pay attention to the grace period to avoid interest.

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Frequently Asked Questions

What are the different types of mortgages?

What is the 50/30/20 budget rule?

How do I cancel automatic payments?

How do I read a credit card statement?

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