Finance Blog

Stay financially savvy with the Equifax Advisor.

Sign up for our FREE Monthly Email Newsletter


Thank you for signing up for the FREE Equifax monthly newsletter

In addition to keeping in the financial know, you may be interested in checking your credit score and report.

Understand your credit. Help protect your identity.

Equifax Complete™ Premier Plan

  • Know What May Influence Your Credit Score and Be Alerted of Changes
    Credit score monitoring with custom alerts
    Important Disclosure: The Equifax credit score and 3-Bureau credit scores are based on an Equifax credit score model and are not the same scores used by 3rd parties to assess your creditworthiness.¹
  • Help Protect Your Identity
    Automatic fraud alerts encourages lenders to take extra steps to verify your identity²
  • Lock Your Credit
    The ability to lock and unlock your Equifax Credit Report³
Save 75% your first 30 days with the purchase of Equifax Complete™ Premier

$4.95 for the first 30 days, then $19.95 per month thereafter. You may cancel at any time; however, we do not provide partial month refunds.4

¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.

²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.

³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.

4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.

Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.

How to Save More Money at Home

Written by Ilyce Glink on August 20, 2010 in Real Estate  |   3 comments

How to Save More Money at Home According to a recent Pew Research Center survey, some 55 percent of Americans have seen their household income fall or—in the case of those who have lost their job—evaporate. If you’re bringing home less than you were, there…

Saving money by cutting home expensesHow to Save More Money at Home

According to a recent Pew Research Center survey, some 55 percent of Americans have seen their household income fall or—in the case of those who have lost their job—evaporate.

If you’re bringing home less than you were, there are only two ways to make up the shortfall: earn more or spend less.

Earning more is tough in an economy that’s short about 8 million jobs. According to the latest surveys from the Commerce Department, there are five people searching for every job that’s available.

There’s not much to like in those odds.

So if you can’t earn more money, you’ve got to focus on saving more money. Since this is a real estate blog, let’s talk about how you can save more money at home.

Save More: Utility Bills
Estimated Savings: $50 to $100+ per month

You might not be able to do much about your sewer service and garbage pickup, but when it comes to water, energy, cable, and telephone services, you should be able to save more money if you take steps to reduce usage, figure out exactly what you need, and shop around carefully.

Water: Install water flow reducers in all showerheads, and limit showers to just a few minutes. Don’t let the water run when you’re brushing your teeth. Consider using a time-based sprinkler system.

Energy: Turn off lights in your house when they’re not in use and replace incandescent bulbs with CFLs. Use a programmable thermostat and set it two degrees warmer in the summer and two degrees cooler in winter.

Cable: Consider eliminating everything except basic cable. If you’re already at basic cable, consider eliminating that for six months.

Phone/Wireless: Think carefully about how much you use your cell phone and whether you can live without your landline. MyRatePlan.com can help you figure out if you’re getting the wireless phone rate plan that you need.

Extra tip: You may get a better deal if you bundle your cable, online, and phone services. Just don’t get suckered into buying more than you need.

Save More: Mortgage, Real Estate Taxes, and Homeowner’s Insurance
Estimated Savings: $25 to $50 per month, or more

Mortgage: Mortgage interest rates are at a fifty-year low, but mortgage standards have become much stricter even as household credit scores are falling. To qualify, you’ll need a great credit score, solid income, low debt, and (perhaps the toughest for many families at the moment) enough equity in your home. But if you could lower your mortgage interest rate from 5.675 percent to 4.5 percent, you’d save more than $75 per month for every $100,000 financed.

Real Estate Taxes: If you’ve never contested your property taxes, now is the perfect time to start. Property prices have been falling across the country for the past two years, so contesting your property taxes may net you a savings of a few hundred or even a few thousand dollars a year.

Here are two effective ways to contest your property taxes: Compare your property (and the taxes you’re paying) to other similar properties in your home’s tax class. Or, if you recently purchased your property, you can contest the taxes owed based on the market value (this is helpful when you’ve purchased a foreclosure or short sale). If you need additional help, there are attorneys who specialize in contesting real estate taxes and who will do this for you for a percentage of whatever savings they can get.

Homeowner’s Insurance: If you haven’t shopped around for homeowner’s insurance in a while, you should do it now. Linda Rey, our Equifax Insurance blogger, offers tips on saving money and getting the coverage you need.

Save More: Regular Home Maintenance
Estimated Savings: $50 to $250 per month

If you’ve got more time than money and you’re hiring out to do some regular home-maintenance chores, you might want to think about tackling some of these chores yourself and pocketing the savings.

For example, you can mow your own lawn ($25 to $35 saved per week, in season), shovel your own snow ($50 to $100 per storm), clean your own gutters ($85 to $200 per cleaning), and act as your own handyman ($50 to $75 per hour).

Paint and brushes are inexpensive, and there are plenty of videos online (including this video that I produced on painting your bathroom) that will show you how to do a paint job that looks like a pro did it.

My husband, Sam, has changed out faucets and toilets, replaced faulty switches, and rewired lamps. He mows the yard and I weed, and together we rake the leaves. I estimate that we’ve saved at least $100,000 in expenses over our twenty-plus years together just by doing some of these regular home-maintenance chores ourselves.

The bottom line is you really can save more money at home. How are you saving money at home?

Ilyce Glink is a best-selling author, real estate columnist, and web series host. She is the managing editor of the Equifax Finance Blog and CEO of Think Glink Media. Follow her on Twitter: @Glink

The information contained in this blog post is designed to generally educate and inform visitors to the Equifax Finance Blog. The blog posts do not give, and should not be assumed to provide, personalized tax, investment, real estate, legal, retirement, credit, personal financial, or other professional advice. Before making any financial decision, you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business implications that may result from those decisions. The views and opinions expressed by the authors of blog posts are their own views and may not be the views or opinions of Equifax, Inc. and/or its affiliates.


  1. Dan Robinson says:

    It is really easy to save money by cutting your premium cable channels. With our basic cable and internet access, we are saving $100 a month and kick ourselves for not doing it sooner. I thought I would miss sports but I get ESPN on my xbox 360. That includes NBA games, College Sports and other sports like Tennis, Rugby and Soccer. Why don't more people do this?

  2. Parag says:

    Writing out your budget on a piece of scrap paper once every year or so may seem like the easiest way to go, it is wiser to keep a continuing record of your expenses, income and savings somewhere that is permanent and can be easily updated.
    How to save money

  3. Joe says:

    Do yourself a favor and visit http://www.EmpoweredBuyer.com before you buy. The reale state agents give up to half of their commission to the home buyer but they also give 100% full service.

    Adds up to quite a bit of savings when buying a home.

Leave a Comment

Name :

Commenting guidelines

We welcome your interest and participation on this forum, but be aware that comments will be published at Equifax's sole discretion. Please don't use this blog to submit questions or concerns about your Equifax credit report or raise customer service issues. Instead, you should contact Equifax directly for all such matters and any attempts to do so in this forum will be promptly re-directed.

Some other factors to consider when commenting:
  1. Registration and privacy. While no registration is required to visit our forum, participants wishing to post a message must register by creating an account. All personal information provided by forum members incident to registration is governed by our Terms of Use and Privacy Policy.
  2. All comments are anonymous. We'll delete your name, e-mail address, and any other identifying information, including details about your investments.
  3. We can't post or respond to every comment - As much as we'd like to, we can't post every comment, nor can we guarantee that we will respond to each individual message. All questions or comments about your Equifax credit report or similar customer service issues should be handled by contacting Equifax directly.
  4. Don't offer specific legal, tax or financial advice. All of the materials on this Site are for information, education, and noncommercial purposes only and this forum is not intended as a means of expressing views or ideas regarding any specific legal, tax, or investment advice. While offering general rules of thumb is both permitted and encouraged, recommending specific ideas or strategies regarding investments, taxes, and related matters is prohibited.
  5. Credit Repair. This blog is not intended as a venue for the discussion or exchange of ideas regarding credit repair or other strategies intended to assist visitors and community members improve or otherwise modify their credit histories, ratings or scores.
  6. Stay on topic. Your comment should be concise and pertain to the specific post in question.
  7. Be respectful of the community. The use of profanity, offensive language, spam, and personal attacks will not be tolerated and egregious or repeat offenders will be banned from future participation. We encourage disagreement and healthy debate, but please refrain from personal attacks on our WordPresss and contributors.
  8. Finally: Participation in this forum may be terminated by Equifax immediately and without notice for failure to comply with any guidelines or Terms of Use. As such, you should familiarize yourself with all pertinent requirements prior to submitting any response through the blog or otherwise. All opinions expressed in this forum are solely those of the individual submitting the comment, and don't necessarily represent the views of Equifax or its management.

Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.

Real Estate Archive