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Tag: Credit

Mortgage Renewal Shock: Why Banks Are Pushing HELOCs Instead

Posted on February 8, 2026February 8, 2026 by budgetsense

Recently, my mortgage came up for renewal and in my shopping to find the best rate and term possible, I noticed a common pattern or trend: banks are now promoting HELOC as a one stop solution for all your borrowing needs – including mortgages – rather than giving you a traditional mortgage that is only…

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Investing 101: What NOT to Do (Based on My Painful Experience)

Posted on February 25, 2024February 25, 2024 by budgetsense

Getting started is better than waiting for perfection or never starting at all. When I first ventured into investing around 2009, I didn’t possess much knowledge, but I was eager to begin and gain some experience. It turned out to be a challenging start, marked by various mistakes that ultimately contributed to my growth as…

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