We Paid Cash: Starting A Blog

We paid cash!
A testimony from Abby from Winstead Wandering

I’ve been blogging off and on since May of 2011. And in January of 2015, I decided to finally start the new blog I’d been brainstorming for months.

I had just suffered a miscarriage and I needed something to take me out of my own head. I knew, though, that I wanted to be serious and intentional in how I went about starting the new site; I wanted to buy my domain, I wanted to be self-hosted, and I didn’t want a free cookie cutter blog design.

After crunching numbers and spending a good portion of my Christmas break doing research, I decided I needed $200 to buy the things I wanted: my domain name, 36 months of hosting, and a blog design.

I know it’s completely possible to start a blog without spending a penny, but it was important to me to treat my new site seriously — like the business I eventually hoped it would be — right from the beginning.

I also hoped that working hard to earn the money would make the commitment more real to me.

Here’s how I earned $200:

Selling Textbooks

I took four college classes in the summer of 2014, and while I’d always intended to sell my used textbooks, I never got around to it. Needing blog money was the motivation I needed to finally list them on ebay. My timing aligned with colleges resuming classes after winter break, so my books sold quickly, earning me $125.

Teachers Pay Teachers Store

As a high school teacher, I have a Teachers Pay Teachers store where I sell the random forms, worksheets, and activities I prepare for my classes. I typically bring in $30-$40 in passive income each month, but seeing as January was the beginning of a new semester, I was able to set aside my entire $75 paycheck from that month.


I’ve used Ibotta to earn cash back on groceries since the app was first introduced, but I rarely cash out. I prefer to allow my savings to build up and then cash out when I have a specific purchase in mind. Because it had been a while since I’d done that, I was able to deposit $40 from Ibotta into my PayPal account.

It took me less than one month to earn the cash I needed to start my blog. I used the extra — and I continue to use the cash generated from my TpT account — to participate in giveaways and buy odds and ends like pretty dishes to photograph my recipes in.

My goal, of course, is that my blog will eventually bring in a small part-time income to supplement what my husband and I make as teachers. For now though, I love knowing that I started this adventure without tapping into my family’s monthly budget!

new blog

Abby is an Oregonian-turned-Mississippian, teaching high school Business and Technology. When she isn’t learning cool new slang at school, she likes to hang out at the golf course with her husband and aspiring (L)PGA toddlers. Abby blogs at Winstead Wandering.

Have you saved up and paid cash for something — large or small? Submit your story for possible publication here.

Source: moneysavingmom.com

Sign Up for Blogelina’s Build Your Own Profitable Blog Class for just $0.99!

August 27, 2015 | Crystal Paine

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Build Your Own Blog Class for $0.99!

Create Your Own Profitable Blog in 2015 for Just $0.99!

Have you ever wondered what it would be like to have your own money-making blog? You want to start – but you just don’t know how? Or, maybe you have a blog that would like to take to the next level and start earning an income from it?

Through September 1st, Blogelina is offering a special deal for my readers who want to start a money-making blog. Enroll in their popular 4-week blogging class—Build Your Own Profitable Blog—for just $0.99!

If you want to learn the basics of how to set up a blog, how to take your blogging to the next level, or how to begin earning money from your blog, you’ll want to check out this class!


When you sign up for this class, here’s what you’ll get:

  • A 60-Page How-To Manual – packed with information that will help take the overwhelming out of starting your own blog
  • 4 weekly online class sessions where you can ask your questions and get personalized feedback
  • A FREE Year of Web Hosting
  • Blogelina Does Your Blog Set-Up For You – they’ll take care of the techie side of the set-up so you don’t have to. All you have to do is just have to start blogging!
  • Blueprints, step-by-step tutorials, networking with other bloggers — everything you need to grow your blog.

This class will cover:

  • How to Get Your Blog Started on the Right Foot
  • Questions to ask as you begin blogging
  • How To Actually Set Up A Blog
  • Why Your Blog Design is So Important
  • 9 Different Ways to Easily Monetize Your Blog
  • How to Draw Visitors to Your Blog
  • and so much more!

Blogelina has been featured on the Dave Ramsey show, and is well-known for their ability to help bloggers make a successful start. Many of my readers here have gone through this course in the past and have great reviews to share with me.

And for $0.99? That’s a steal! But this offer is only valid for the next 5 days!

Sign up for the Blogelina Build Your Own Profitable Blog class today!

*If you’re not 100% satisfied with your experience with Blogelina, you are free to walk away at any time during the class session! PLUS, you’ll get to keep your copy of the class manual and your free year of hosting – Blogelina will refund your money!

Note: This post was underwritten by Blogelina. Read our disclosure policy here.

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New-Home Construction Activity Soars to Highest Level in Over a Decade, as Builders Rush To Produce Single-Family Homes

The numbers: U.S. home builders started construction on homes at a seasonally-adjusted annual rate of 1.67 million in December, representing a 5.8% increase from the previous month’s figure, the U.S. Census Bureau reported Thursday.

Permitting for new homes occurred at a seasonally-adjusted annual rate of 1.71 million, up 4.5% from November.

Compared with December 2019, housing starts were up 5%, while permits were up 17%. It was the highest level housing starts and building permits have reached since 2006.

Both figures came in above analysts’ expectations, reflecting growth in the single-family sector. Economists polled by MarketWatch had expected housing starts to occur at a pace of 1.56 million and building permits to come in at a pace of 1.61 million.

What happened: Growth in the single-family sector drove the rise in both housing starts and building permits. On a monthly basis, single-family starts were up 12%, while single-family permits were up 7.8%. Comparatively, new construction on multifamily buildings fell 15.2% between November and December, while multifamily permits for buildings with five or more units slipped 2%. Permits for duplexes, triplexes and quadplexes dropped 11.5%.

On a regional basis, all parts of the country saw permitting activity increase except for the Northeast, where it fell some 7.2%. Though even in the Northeast, single-family permits were up on a monthly basis.

Similarly, the Northeast was the only region to see a decline in housing starts — both overall and for the single-family sector. The Midwest experienced the largest growth in housing starts, with a 32% increase.

The big picture: Demand among buyers might be cooling in the face of high home prices and a lack of inventory, but it still remains elevated compared to last year. That gives builders “strong incentive to keep building,” said Danielle Hale, chief economist for Realtor.com.

Overall, housing starts for 2020 were up nearly 12% from 2019, in spite of the slowdown this past spring sparked by the pandemic. Builders’ optimism might be waning slightly in the face of slowing foot traffic from buyers and rising costs associated with purchasing land and materials. But the underlying need for new homes is still there, which should keep the building sector busy for some time to come.

What they’re saying: “New mortgage applications are also rising again, perhaps to get ahead of higher interest rates. Despite slow population growth, residential construction remains well-supported by (so far) record-low mortgage rates, record-lean resale listings, and the migration of teleworkers to the suburbs,” Michael Gregory, deputy chief economist at BMO Capital Markets, wrote in a research note.

“Housing starts have recovered and were at their strongest pace in more than 14 years. Amazing, considering the COVID-related downturn in the spring. There aren’t enough homes in this country to go around, and we need a long-lasting surge of construction to meet demand,” said Holden Lewis, home and mortgage expert at personal-finance website NerdWallet.

Source: realtor.com

Achievemint: Get paid to be healthy!

Achievemint: Get paid to be healthy!

Sign up for Achievemint to get paid for being healthy! Just create an account, and you’ll earn points for every healthy activity you perform: taking steps, exercising, sleeping, tweeting about health, weighing yourself, logging calories, etc.

Achievemint pairs with many different apps to help reward you for being healthy, including Twitter, MyFitnessPal, RunKeeper, Jawbone, Fitbit, Foursquare, and more.

I signed up a while ago, and it’s super easy! I linked my Up3 band to it in about 3 minutes and it looks like I’ll earn the equivalent of $1-2 every 4-6 weeks for doing nothing. And if I logged more (water, food, etc.), I could earn more points more quickly!

You earn $10 for every 10,000 points earned. It’s not a ton of money, but every little bit adds up — especially when it’s passive like this, and you get rewarded for something you’d already be doing anyway!

Go here to get started with Achievemint.

This post may contain affiliate links. Read my disclosure policy here.

Source: moneysavingmom.com

Earn money for taking surveys and testing products with Ipsos i-Say!

May 12, 2018 | Meg

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This post may contain affiliate links. Read my disclosure policy here.

Looking for ways to stretch your budget a bit further or earn a little extra from home? Sign up for Ipsos i-Say to earn money for taking surveys and testing new products!

Ipsos i-Say is a reputable, global survey-based market research company that gives its community members a chance to provide opinions in exchange for survey points that earn you money.

Earn towards gift cards to spend at your favorite places such as Starbucks, Amazon, Target, and more. Or just trade in for cash through prepaid VISA gift cards or Pay Pal funds!

Go here to get started.

Surveys are a great way to make some extra income on the side! This is a great list of legitimate survey sites you can trust!

Looking for more opportunities to make money from home? See my list of recommended survey companies here.

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5 Simple Tips for Saving Big on Back to School Expenses

This post may contain affiliate links. Read my disclosure policy here.

Save BIG on back to school expenses with these simple tips!!

School is starting really soon (or has already started!) and that means there are probably a number of different things you need to purchase — from school supplies to clothes for your kids for fall and winter to electronics and more.

Here are five simple tips to help you save big on those back to school expenses…

5 Ways to Save Big on Back to School Expenses

1. Create a Budget.

You knew I was going to say this first, didn’t you? But it’s imperative to start by knowing how much you have to spend.

Without a budget, you won’t have parameters for what you have to work with and there’s a good chance money will just slip through your fingers like sand.

I always recommend that you consider using a cash budget. Why? Because this gives you instant self-discipline: when the money’s gone, the money’s gone!

If you don’t really have any money to work with at all, is there something you could sell to drum up some extra cash? Could you cash in some of your points on Swagbucks for gift cards you could use toward school supplies? Could you sell last year’s wardrobe that your child outgrew to fund this year’s wardrobe?

Also, consider having a swap meet with your friends to swap school supplies and clothes. Bring what you don’t need/no longer use and swap it with others.

5 Ways to Save Big on Back to School Expenses

2. Identify Needs vs. Wants.

Once you’ve determined your budget, then you need to take a hard look at what you can realistically afford in that budget. If money is especially tight, focus on the most important items first.

If your child desperately needs new shoes because the only ones they have are two sizes too small, that’s a high priority. Start with what is a true need versus just a “would be nice to have” first.

This is a great conversation to have with your children to help them understand what a need is and what a want is. It’s not wrong to spend money on wants, but help your child learn how to prioritize needs first. This is a valuable lesson for them to understand and grasp at an early age and will benefit them all their life.

5 Ways to Save Big on Back to School Expenses

3. Compare Prices

Use an app like Flipp (it’s free to download!) to price compare all of the best deals at local stores in your area. Then, either hit the store with the most deals or, stop at Walmart and price-match all the best deals at your local stores.

To do this, just check the ads, make a list of local prices, take these to Walmart, and tell your cashier what local prices you’re price-matching on the items you’re purchasing. Walmart’s corporate coupon policy says you don’t need an ad in order to price-match, however, I usually bring the ads with me in case there’s any issue or confusion about what the price is. Flipp makes it really easy to price-match at Walmart because you can have all of the ads right at your fingertips!

5 Ways to Save Big on Back to School Expenses

4. Buy Used.

Thrift stores, yard sales, consignment sales, and online sites such as ThredUp can be a treasure trove of bargains on back to school clothes for kids. You have to dig, but if you are patient, you can find incredible deals.

One of my favorite ways to find good deals at thrift stores is to go on the dollar days. Not all thrift stores have them, but it’s definitely worth checking into to see if your local thrift stores offer fill a bag for $5 or $1 days. Also, sign up for your thrift store’s email list to be notified of when they are having special offers and sales.

We’ve gotten amazing deals at consignment sales over the years, too. If you have extra time and energy, you can volunteer or sell at a consignment sale and you’ll usually be able to get first dibs on the deals — and possibly better pricing, too.

I’d highly recommend reading this article on how to stockpile clothes by shopping at yard sales. If you want to be even more strategic, check out this article on How to Shop Yard Sales for Free.

For more suggestions on how to maximize your consignment sale shopping experience, check out this article on Saving and Making Money With Consignment Sales and this article on How Selling on Consignment Works For Me.

5 Ways to Save Big on Back to School Expenses

5. Buy Extras.

When looking at the back-to-school sales, don’t just buy what’s on the required list from your local school. Buy extras of things such as glue, crayons, paper, notebooks, markers and other items you use on a regular basis around your home.

These sales are a great opportunity to stock up on office and craft supplies we use on a regular basis—all at the cheapest prices you’ll be able to get all year.

In addition, because many teachers have to pay for some of their classroom supplies out of pocket, how about buying extras of the great deals and donating them to your children’s’ classroom or purchasing them for a local family who is struggling financially?

How do YOU save on back to school supplies?


This post is underwritten by Flipp — an app that brings all of the weekly sales fliers from your local stores to the digital age in a dynamic and personalized way, and aggregates all your favorite circulars onto one digital device for access anywhere, anytime.

With Flipp, busy parents have seamless access to their favorite weekly ad fliers from their favorite retailers  – and all the savings of each weekly circular right in their fingertips – without lugging around paper or cutting coupons! mail.google.com

What sets Flipp apart from other circular apps is that users can search by retailer (local groceries, larger big-box stores), or search for specific items (backpacks, notebooks, clothes, cereal), or even search for a specific savings amount, and they can create shopping lists to start the shopping experience beforehand or in the store right on their digital device.

With Flipp’s new shopping list feature, shoppers can quickly find the best deals for their weekly essentials. Once they’re in the store, users can easily check off items from their list – built right into the app! – to ensure they pick up everything they need (and also stick to their list!).

Download Flipp on iTunes or Google Play.

Source: moneysavingmom.com

We Paid Cash: Our Boys’ Bathroom Renovation

We paid cash!A testimony from Jennifer who blogs at A Healthy Mix

My husband and I purchased our home in July, 2012.

We paid $21,000 for an 1800 square foot home and 2-acres of land. It needed a lot of work, but we made the decision to remodel our home debt-free. It has been a work in progress ever since.

At the beginning of the year my husband received a $1,000 bonus and we knew we wanted to use that money for our latest renovation project — our boys’ bathroom.

We weren’t sure how we were going to remodel an entire bathroom on less than $1,000, because normally, bathroom remodels are expensive. We began by searching Pinterest for a look we desired and set out to achieve it on a small budget.

Getting Started

We knew we would have to refurbish as many items as we could.

We were able to salvage:

  • the shower
  • the toilet
  • a large mirror
  • the shower fixtures
  • other bathroom fixtures

We searched the internet for hidden treasures. We found a brand new pedestal sink ($25) on a yard sale page. Then we went to Lowe’s to match our wants with the right price.



We were able to totally transform the old shower by using CLR and a lot of elbow grease. We decided to change the look of the shower by adding sheets of galvanized tin ($12 each) for the walls.

We used wood trim ($3 each) to finish the look. We soaked the old shower fixtures in bleach overnight, and they looked brand new. We did purchase a replacement shower faucet ($10).

Floors and Walls:

We installed the tile floors ($0.62 each). We painted the walls ($25). We used floor molding for both the floor and ceiling. We purchased the contractor pack ($72) since it actually cost less per unit and the leftover pieces could be used elsewhere in our home. 


We purchased a glass cutter and cut the large mirror in half. We used left over pieces of the shower trim to trim out the mirror that was placed over the pedestal sink.

We splurged on a curved shower curtain rod ($42) since our kids were not getting a new shower. This was an inexpensive way to make their shower feel larger. We also purchased a new shower curtain ($30).

Since our boys had a pedestal sink instead of a vanity, we made holders that attached to the walls out of wood and mason jars that would hold their toothbrushes, hand soap, etc. We used jars we already had and scrap wood so it only cost $2 to create extra storage.

We changed the light fixture in the bathroom by screwing in a Mason jar into the old fixture. It completed the country look and cost us nothing.

We were actually able to complete the project for less than $500! It was amazing to see what was once the worst room in our home be transformed into a nice space on such a small amount of money.

bathroom reno

Jennifer is a wife, mother to three handsome boys, a lover of homesteading on a smaller scale, and an aspiring writer. She loves sharing what she learns with each passing day and encouraging others to chase their dreams while she is busy chasing her own. You are invited to come along on this journey with her at A Healthy Mix.

Have you saved up and paid cash for something — large or small? Submit your story for possible publication here.

Source: moneysavingmom.com

7 Items You Should Always Look for at Goodwill

August 27, 2015 | Crystal Paine

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Whether you’re a new or experienced thrift store shopper, you’ll love this post from Laurie at Passionate Penny Pincher on 7 items you should always look for at Goodwill before shopping retail stores.

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Mortgage mayhem: Lenders pull gov’t loans, refuse to lock, and raise credit score minimums

Wait — what’s going on in the mortgage market right now?

Last week, the Federal Reserve offered assurance to lenders who were struggling to price mortgage rates.

There’s no question this was helpful. 30-year mortgage rates responded by dropping to just 3.33% average for the week, nearing the all-time low from a few weeks ago.

In any other environment, that would be great news for home buyers and refinancers.

But right now? Not so much.

Lenders are acting unpredictably as they face challenges they’ve never experienced before. It’s getting harder for them to make good loans and stay profitable.

In turn, borrowers are facing bigger and bigger hurdles.

Entire loan programs are disappearing, lenders are raising credit score minimums, and some won’t even lock your rate.

Here’s how to make sense of it all.

Verify your new rate (Jan 19th, 2021)

Lenders are tightening credit standards

As the economy continues to act erratically, many lenders are forced to take their own actions to help sustain themselves.

Lenders are making significant changes to FHA, VA and USDA loans. These changes could make home loans unavailable for mortgage borrowers who could have qualified just weeks earlier.

Some lenders have completely withdrawn government-backed loans — refusing to offer them at all for the time being.

And lenders that are still in the game have upped their minimum credit score requirements by as much as 100 points. To give just a few examples:

  • Wells Fargo has adjusted its minimum score requirement to 680 for all government loans (FHA, VA, and USDA)
  • US Bank also requires a 680 credit score for FHA, VA, and USDA loans, and 640 for conventional loans
  • loanDepot is requiring a 620 minimum FICO score for VA and FHA loans with a higher score (660+) for cash-out or streamline refinancing
  • Flagstar is requiring a 640 score for both purchase transactions and non-cash out refinances

Many other lenders are at 660 minimum for these types of loans.

While some lenders are still offering mortgage loans with scores as low as 620, many are setting standards so high that very few fit into the small window of eligibility.

For example, many lenders advertising a 620 credit score are doing so only if you can meet certain requirements.  For example, you might need:

  • At least two month’s worth of payments in the bank
  • No gift funds allowed for down payment or closing costs
  • No non-owner occupants without a 680 credit score

For many people who choose government-backed loans like FHA or VA, the looser qualification guidelines are a big draw.

The more stringent requirements lenders are putting in place could make home loans inaccessible for many until coronavirus fears calm down.

Some mortgage companies won’t let you lock at today’s rates

Mortgage lenders are tightening their rate lock requirements too.

Many won’t allow mortgage borrowers to lock until their loan is clear to close.

Effectively, that means you might not know what your mortgage rate is until you’re ready to sign your final papers days before the loan is completed and potentially week or months after you applied.

You might not know what your mortgage rate is until you’re ready to sign your final papers.

For many refinancers, that could make the point of refinancing moot, if their rate isn’t low enough to justify the closing costs.

And for buyers, a high rate could mean starting the loan shopping process again from ground zero.

Other lenders refusing to lock rates at all until the volatility slows down.

How the bailout could cripple the mortgage industry

You might wonder why lenders are cracking down so much on new borrowers.

Isn’t the Fed offering mortgage bankers huge bailouts? And wouldn’t lenders want more business in a time when many industries are going under?

Well, it’s not quite that simple.

The Fed’s unprecedented $183 billion purchase of mortgage-backed securities recently was meant to drive down mortgage rates. And, it worked.

However, mortgage servicers are now facing a difficult position as more homeowners elect to suspend payments during the crisis.

When a homeowner misses a payment, servicing companies are contractually obligated to advance payments to investors in securities markets.

The Mortgage Bankers Association warns that the U.S. housing market is “in danger of large-scale disruption,” due to efforts by the Federal Reserve that were intended to help rescue the mortgage market.

In other words, you’re not paying your mortgage company, but it still has to pay its own creditors.

A flood of missed mortgage payments is threatening to bankrupt U.S. mortgage lenders, deepening the economic toll of the pandemic.

The Mortgage Bankers Association (MBA), in a dismal letter to regulators, warned that the U.S. housing market is “in danger of large-scale disruption,” due to efforts by the Federal Reserve that were intended to help rescue the mortgage market.

>> Related: How to pause mortgage payments if you lost your job due to COVID-19

What’s happening to mortgage companies behind the scenes

This is where it gets technical.

The Feds forcefully entered the mortgage market a couple of weeks ago — in part, to combat rising rates. And in part, because of a fear that borrowers wouldn’t be able to pay their loans.

All told, the Fed has purchased $250 billion in mortgages over the past two weeks.

That’s $84 billion more than the Fed had bought over any four-week period during the financial crisis in 2009.

While the Fed helped drive rates down, they also blew up a widespread “hedge” that mortgage lenders use to protect themselves against rate increases.

Hedging pays lenders if the prevailing rate in the market is higher than the mortgage rate they locked in with the customer.

Normally, hedging is considered to be a safe trade. The hedge simply protects the lender against higher rates until the mortgage closes.

This system works well, most of the time.

But when mortgage rates are highly volatile — as they’ve been these past weeks — it’s difficult for lenders to use the same hedging strategy.

And, compounding the problem, many would-be homeowners couldn’t close on their loans because of quarantines.

Locking lots of loans that didn’t close left mortgage lenders with only the cost of the hedge and no income from the loan closing.

The huge volatility in mortgage bonds created massive margin calls from the broker-dealers, who wrote the hedges, to their mortgage bankers.

According to Barry Habib, founder of MBS Highway, “Some of these mortgage bankers are now facing margin calls of tens of millions of dollars that could drive them out of business.”

In its letter to regulators, the MBA said:  “The dramatic price volatility in the market for agency mortgage-backed securities [MBS] over the past week is leading to broker-dealer margin calls on mortgage lenders’ hedge positions that are unsustainable for many such lenders.”

The letter went on to say, “Margin calls on mortgage lenders reached staggering and unprecedented levels by the end of the week. For a significant number of lenders, many of which are well-capitalized, these margin calls are eroding their working capital and threatening their ability to continue to operate.”

While the stock market is playing a game of Chutes and Ladders, lenders are scurrying to find ways to continue to successfully operate in foreign territory.

What should you do if you’re trying to get a mortgage?

The roller coaster ride that mortgage lenders are experiencing isn’t all doom and gloom for you.

In fact, there is a bit of a silver lining for mortgage borrowers. Until the economy settles down, mortgage lenders are trying to balance how much to pull back vs making good loans.

Not all lenders are reacting the same way.

This means some lenders have not instituted minimum score requirements as low as their competitors. Some lenders may not be hedging as much as others, which means lower rates.

Now more than ever before, mortgage borrowers should shop around until they find a lender that can fit your needs.

>> Related: How to shop for a mortgage and compare rates

Questions you should ask a mortgage lender right now

If you’re currently in the market for a loan, you’ll want to make sure you’re asking your lender plenty of questions:

  • What are your minimum credit score requirements?
  • How long do you expect it to take from application to closing?
  • At what point can I lock my rate and for how long?
  • What happens if my loan doesn’t close within the allotted rate lock period?
  • Who will be responsible for rate extension fees if my loan doesn’t close on time?
  • Do you have a float-down policy if rates drop significantly after locking?
  • Is the rate you’re quoting me include any discount points?

Unlike the housing crash a decade ago, the housing and mortgage markets are much healthier now.

Homeowners have a record amount of equity, so there’s less risk of home values dropping far enough to put many homeowners underwater (like what happened during the subprime mortgage crisis).

Is it a good time to act on low rates?

Say you find a low rate, and a lender that’s still offering favorable loan terms.

Even then, you should weigh the decision of taking out a new loan carefully.

How stable is your job looking right now? How much do you have in savings? And if you were to become unemployed, could you still make the mortgage payment?

Some borrowers might stand to benefit from today’s low rates, but it’s certainly not the right time for everyone.

Rates will likely stay low even after this crisis is over, so don’t think staying on the safe side will backfire. Make the decision that’s best for you.

Verify your new rate (Jan 19th, 2021)

Source: themortgagereports.com

Watch My Interview with Michael Hyatt from The Influence & Impact Summit!

October 26, 2015 | Crystal Paine

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Crystal Paine Influence and Impact Summit

If you missed the chance to see me speak at The Influence & Impact Summit online a few weeks ago, you can go here to watch a replay version of my presentation and interview with Michael Hyatt.

Also, summit attendees can sign up for the FREE Platform University video series that will encourage you in having more of an impact and getting your unique message out to the world.

Subscribe for free email updates from Money Saving Mom® and get my Guide to Freezer Cooking for free!

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