You're right about the psychological side of debt repayment—it's easy to underestimate. I've seen plenty of people start strong with avalanche, then l...

I've seen plenty of folks try the gradual route, and honestly, it's usually the smarter play. Jumping straight in can be romanticized, but reality hit...

Good advice on checking conventional options—HARP was great back in the day, but honestly, it's not always the best deal anymore. I've seen clients su...

I've had mixed experiences with used appliances—mostly good, but one fridge I bought ended up being a headache. Checked reliability ratings, asked abo...

Refinancing isn't always about resetting the clock, though. You can actually refinance to a shorter term, like going from a 30-year to a 15-year mortg...

Yep, seen this happen more times than you'd think. Lenders get jumpy when your credit shifts mid-process... better safe than sorry and just wait it ou...

Good point on accountability—I've seen that work too. But honestly, sometimes even clear communication doesn't budge certain lenders. Had a client rec...

Had a similar experience when we bought our first home. Inspector was super thorough, caught stuff I never would've noticed, but somehow missed an ent...