Paying Bills with Irregular Paychecks

Paying Bills with Irregular Paychecks

Q. My budget isn’t very stable because I work as an independent contractor. How can I be better prepared for unreliable income? Right now I put stuff on my credit card and pay it off when the paychecks come in. — Falling behind A. Budgeting can be a challenge, and...
Buying a retirement home before retirement

Buying a retirement home before retirement

Q. I have a $215,000 mortgage on my home (worth $450,000) and I plan to move in five years. I’d like to buy a retirement home (approximately $375,000) as soon as possible. I will need another mortgage. What’s the best way to make sure I can afford both? A. You have to...