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Gina Young

Gina Young is an accomplished finance writer who has written for publications including Examiner.com, Lexington Law, Talk Markets, CreditRepair.com as well as her own blog (Money Savvy Living), giving budgeting and frugal living advice. With a bachelor’s degree in Accounting and Finance from Ashland University and a MBA from Indiana Wesleyan University, Young has impressive credentials in many aspects of investing, retirement planning, and personal finance.

articles from Gina

23 posts

Get Pre Approved for Home Loans with These Simple Steps

Published 12/06/2016 by Gina Young

One of the largest purchases that you will make in your life is the home you buy—and most people don’t have a huge savings account that allows them to pay for a home in cash. You may have already taken out student loans, or gone through the loan process when you bought a car, but buying a home is quite a bit different.  This article is going to take you through the steps of how to get pre-approved for a home loan.

How to Buy a House With Low Down Payment

Published 11/16/2016 by Gina Young

Are you a looking to buy a home, but don’t have much money saved up for a down payment?  Do you have a credit score less than 640?  Do you pay your bills on time, but don’t have much of a credit history?  If, for any reason, you just don’t fit the conventional mortgage mold, consider an FHA loan.

A Guide to Financing for Home Improvement

Published 11/11/2016 by Gina Young

Whether you’re a long time homeowner looking to spruce things up,  or just recently bought a fixer-upper,  home improvements can be a daunting challenge.  Figuring out how to finance it can be even more of a task.   This guide to financing for home improvements will walk you through the process and make undertaking a renovation a lot more manageable.

Budgets. We all have them. From every individual household to local municipalities, to state governments, to the federal government, decisions must be made as to how the money will be spent. While budgets may not be so exciting to talk about, they are necessary and must be dealt with—whether they have been balanced or not. So how do you spend the money in your personal budget and how does it compare to the typical US household? How does the government spend the taxpayer dollars they collect from you in their budget? And how does the way you spend money differ from the state?

10 Ways To Stretch Your Budget Further

Published 06/07/2016 by Gina Young

Perhaps you are already very mindful when it comes to budgeting your money each month. Maybe you have already cut down unnecessary spending, such as eating out or grabbing a coffee on the way to work, or even dropped costly habits, like smoking. You may have already even made room in your budget to save for retirement planning. Even if you are on the right track already, there are always a few more ways that you can consider to make a good budget even better.

9 Less Talked About Ways To Save Big for Retirement

Published 05/27/2016 by Gina Young

Saving for retirement is like exercising, healthy eating, and not smoking. Noble goals we don’t always get round to. This article will give you 9 ways you can start saving for your retirement today (or the next business day). We will also see how low-cost wealth management companies and brokerages can help you diversify your portfolio without the large fees of traditional investment advisers. Let’s start with a brief (I promise) pep talk on the virtue of starting to save for retirement early.

It seems like it was only yesterday that the world was ringing in the New Year. Now tax season is in full swing. This year, the deadline is April 18, 2016, but there’s no need to wait that long, especially if you’re expecting a tax refund. In fact, the IRS began accepting completed federal tax returns for the 2015 tax year on January 19, 2016.

Your home is a big investment. When you are looking to spend money on improvements or upgrades, you want to get the most bang for your buck. Even if you don’t have plans to move, keeping new trends and other value-based factors in mind is always a good idea. Typically, the trends that make a home more desirable to potential buyers are also the ones that are going to add the most value to your home overall if it were to go on the market. There are several areas in which you can renovate your home to not only add to your home’s value, but also make it look and feel like new. And some of these ideas are even affordable enough that you won’t have to take out a second mortgage just to get them completed.

Car Shopping: Is Buying New Really Worth It?

Published 11/13/2015 by Gina Young

Looking for a new car?

Every entrepreneur hopes that their startup company will revolutionize the way things are done in a particular sector and evolve into an established company within the industry. This is rarely the path that startups take though. Approximately 90% of tech startups will fail. Why is this? Allmand Law conducted research within the industry and found that, “the successful startups seem to be flexible enough to shift with changes in the tech climate, whereas with the failed startups, some fail due to a lack of vision and others have terrible timing. Ultimately, there is a lack of foresight which might have saved their companies.”

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