Successful personal finance managers have discipline and put in the work to buy quality productand create disposable income.

Loan-to-value (LTV) is what lenders measure when a borrower buys or refinances a home. The higher the risk, the higher the interest rate.

What is good advice when managing store receipts from retailers? Some policies will give full credit, while others provide a store credit.

So what if you could follow these tips to save a few dollars on your electric bill and reduce the budget by 20% or so?

I had a surgery estimated to cost $10,000 and after my research was complete, I switched to a new medical facility and saved $9,000.

Replacing tires can cost anywhere from $500 - $1,000 depending on the brand, tire rating, size and other factors. So that's expensive.