Personal Finance

Paying down debt can be a daunting task. But with a little self-discipline and some faith in yourself, your financial picture can change for the better in about six months.

Even though more than half of all new mortgages issued in recent years have been for homeowners refinancing their existing home loans, the decision to refinance isn’t necessarily the wisest strategy for everyone.

Many baby boomers are finding that their aging parents are in need of health care assistance.

For most new car buyers, the question of whether or not to finance their purchase is academic — with the average new car price approaching $30,000, some sort of loan is usually necessary.

The first step to getting a good deal on a new or used car is to be informed before you negotiate with a dealer. New and used car cost guides are available in bookstores, libraries, and online. These will help you research prospective models, their factory invoice prices, and the costs of various options.

In addition to saving for retirement, there may be several other major financial goals you’ll need to juggle in a lifetime.