Haha, I totally get the awkwardness you're describing. Honestly though, it doesn't have to be that weird if you approach it openly and respectfully. A...

True, paperwork isn't always the safety net we'd hope for, but I'd still argue it's better than nothing. Had a friend whose lender tried something sim...

Totally get the logic here, but sometimes building a full 6-month fund before hitting debt hard can feel like treading water. I found a smaller buffer...

Yeah, resetting the loan term is definitely something to watch out for. When I refinanced last year, the lower monthly payment looked great at first g...