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When unexpected emergencies arise many of us end up having to pull out a credit card, get a short-term loan, or borrow from a friend or family member. And while there’s nothing wrong with that, you can avoid paying extra in interest and the stress of monthly payments by setting up an emergency fund.

Check out these four tips to help you prepare for life’s unexpected moments.

Once you’ve established yourself as a homeowner, you might begin receiving information related to refinancing your home. And you may begin to wonder, what is refinancing and is it right for me? 

While reasons for refinancing vary, homeowners typically only consider this when they see mortgage rates fall. And while lower rates are definitely something you want to look at, there are other times when refinancing can benefit you regardless of current rates. 

At one point or another most of us have been told we need to have a 20-percent down payment when buying a home. But a lot of first-time homebuyers struggle to save that much money. 

The good news is that if you find yourself in the position of wanting to buy a home and not being able to save 20-percent, there are other options to consider.