Alva Career Center

Additional Financial Literacy Info

Budgeting

Investopedia.com

6 Reasons Why You Need a Budget – https://www.investopedia.com/financial-edge/1109/6-reasons-why-you-need-a-budget.aspx
Budgeting Calculator – https://www.investopedia.com/budgeting-calculator-5101411
50/30/20 Budget Rule – https://www.investopedia.com/ask/answers/022916/what-502030-budget-rule.asp
Budgeting Apps – YNAB (You Need A Budget) vs Mint – https://www.investopedia.com/ynab-vs-mint-5179966
10 Habits To Help You Reach Financial Freedom – https://www.investopedia.com/articles/personal-finance/112015/these-10-habits-will-help-you-reach-financial-freedom.asp

Consumer.ftc.gov

Make a Budget Worksheet PDF – https://www.consumer.ftc.gov/articles/pdf-1020-make-budget-worksheet.pdf

NerdWallet.com

Free Budget Worksheets – https://www.nerdwallet.com/article/finance/budget-worksheet

SmartAsset.com

Paycheck Calculator – https://smartasset.com/taxes/paycheck-calculator
Overview of Federal Taxes with Calculator – https://smartasset.com/taxes/income-taxes
Oklahoma Tax Calculator – https://smartasset.com/taxes/oklahoma-tax-calculator
Tax Return Calculator – https://smartasset.com/taxes/tax-return-calculator
Property Tax Calculator – https://smartasset.com/taxes/property-taxes

Health Insurance

Investopedia.com

How Health Insurance Works – https://www.investopedia.com/terms/h/healthinsurance.asp
Co-Insurance vs Copay- https://www.investopedia.com/articles/insurance/120816/coinsurance-vs-copay-why-you-need-know-difference.asp
HSA Eligibilty- https://www.investopedia.com/articles/personal-finance/012716/how-highdeductible-health-plans-work.asp#hsa-eligibility

Healthcare.gov

Affordable Care Act Health Plans – https://www.healthcare.gov/see-plans/#/plan/results
How to Choose Between Bronze, Silver, Gold and Platinum Plans – https://www.investopedia.com/articles/personal-finance/092413/how-choose-between-bronze-silver-gold-and-platinum-health-insurance-plans.asp

Credit

MoneyUnder30.com

How Credit Works – https://www.moneyunder30.com/how-credit-works
How to Build Credit – https://www.moneyunder30.com/best-build-credit-first-time

Investopedia.com

What is a Credit Card – https://www.investopedia.com/terms/c/creditcard.asp
Debit Card vs Credit Card – https://www.investopedia.com/ask/answers/050415/what-are-differences-between-debit-cards-and-credit-cards.asp
Credit Card vs Cash – https://www.investopedia.com/articles/personal-finance/092214/credit-card-or-cash.asp
10 Reasons to User a Credit Card – https://www.investopedia.com/articles/pf/10/credit-card-debit-card.asp
How to Improve Your Credit Score – https://www.investopedia.com/how-to-improve-your-credit-score-4590097
*6 Major Credit Card Mistakes* – https://www.investopedia.com/articles/pf/07/credit-card-donts.asp
How Many Credit Cards Should You Have – https://www.investopedia.com/financial-edge/0711/how-many-credit-cards-should-you-have.aspx
Which is Safer: PayPal vs Credit Card – https://www.investopedia.com/articles/personal-finance/011215/which-safer-paypal-or-credit-card.asp
10 Reasons to Use Your Credit Card – https://www.investopedia.com/articles/pf/10/credit-card-debit-card.asp

Experian.com

Free Credit Report – https://www.experian.com/consumer-products/free-credit-report.html

Buying a House

Investopedia.com

What is a Mortgage – https://www.investopedia.com/terms/m/mortgage.asp
Shopping for Mortgage Rates – https://www.investopedia.com/mortgage/mortgage-rates/how-to-shop/
5 Things You Need for Pre-approval – https://www.investopedia.com/financial-edge/0411/5-things-you-need-to-be-pre-approved-for-a-mortgage.aspx
Mistakes First Time Home Buyers Should Avoid – https://www.investopedia.com/mortgage/mortgage-guide/mistakes-first-time-homebuyers-should-avoid/

RamseySolutions.com

Home Buyers Guide – https://www.ramseysolutions.com/real-estate/homebuyers-guide/buyers/intro
Should I Rent or Buy a House? – https://www.ramseysolutions.com/real-estate/buy-vs-rent-myths-busted
How Much House Can I Afford – https://www.ramseysolutions.com/real-estate/how-much-house-can-i-afford
Mortgage Calculator – https://www.ramseysolutions.com/real-estate/mortgage-calculator
How to Get a Mortgage – https://www.ramseysolutions.com/real-estate/how-to-get-a-mortgage
Property Taxes and Your Mortgage – https://www.ramseysolutions.com/real-estate/property-tax

MoneyUnder30.com

How to Get Approved for Your First Mortgage – https://www.moneyunder30.com/get-approved-for-a-mortgage
Home Affordability Calculator – https://www.moneyunder30.com/home-affordability-calculator
Save Down Payment for House – https://www.moneyunder30.com/save-downpayment-house
How Much Cash Do You Really Need to Buy a Home – https://www.moneyunder30.com/how-much-cash-do-you-really-need-to-buy-a-home
Mortgage Loans Dos and Don’ts – https://www.ramseysolutions.com/real-estate/mortgage-loan-dos-and-donts
Mortgage Pre-approval Checklist – https://www.moneyunder30.com/mortgage-pre-approval-checklist
Free Credit Score Estimator – https://www.moneyunder30.com/free-credit-report-score
FHA Mortgage Loans – https://www.moneyunder30.com/fha-mortgage-loans
What is PMI? – Private Mortgage Insurance – https://www.ramseysolutions.com/real-estate/what-is-pmi-private-mortgage-insurance

NerdWallet.com

Best Mortgage Lenders for First Time Home Buyers – https://www.nerdwallet.com/best/mortgages/mortgage-lenders-first-time-home-buyers
12 First Time Home Buyer Mistakes and How to Avoid Them – https://www.nerdwallet.com/article/mortgages/first-time-home-buyer-mistakes-that-are-easy-to-avoid
Mortgage Points: Should You Pay These Optional Fees – https://www.nerdwallet.com/blog/mortgages/discount-points/
Mortgage Points Calculator – https://www.nerdwallet.com/article/mortgages/should-i-buy-points-mortgage-calculator
Personal Loan Calculator – https://www.nerdwallet.com/article/loans/personal-loans/personal-loan-calculator
Huge Hidden Costs of Owning a Home – https://www.nerdwallet.com/article/mortgages/the-real-cost-of-your-house
Tips for First Time Home Buyers – https://www.nerdwallet.com/article/mortgages/tips-for-first-time-home-buyers
Types of Home Inspections Buyers Should Know – https://www.nerdwallet.com/article/mortgages/types-of-home-inspections
How Long Does it Take to Buy a House – https://www.nerdwallet.com/article/mortgages/how-long-does-it-take-to-buy-a-house
Closing Costs Calculator – https://www.nerdwallet.com/article/mortgages/closing-costs-calculator

USANews.com

Best Mortgage Lenders – https://loans.usnews.com/mortgage-lenders
How Does the Mortgage Process Work – https://loans.usnews.com/mortgage-lenders#how-does-the-mortgage-loan-process-work

SmartAsset.com

What are the Different Types of Homes – https://smartasset.com/mortgage/what-are-the-different-types-of-homes
Federal Paycheck Calculator – https://smartasset.com/taxes/paycheck-calculator
Closing Costs Calculator – https://smartasset.com/mortgage/closing-costs
Cost of Living Calculator – https://smartasset.com/mortgage/cost-of-living-calculator
15 Year Fixed Mortgage Rates – https://smartasset.com/mortgage/15-yr-fixed-mortgage-rates
Property Tax Calculator – https://smartasset.com/taxes/property-taxes

AllState.com

Home Buyers Closing Costs Worksheet – https://www.allstate.com/resources/allstate/attachments/tools-and-resources/allstate-home-buyers-closing-costs-worksheet.pdf

MortgageCenter.com

Monthly Budge Worksheet – https://www.mortgagecenter.com/files/mortgage20/1/file/PDF/Interactive_Budget_Worksheet.pdf

Downloads

Mortgage Loan Calculator Excel Spreadsheet – has been added to the Shared Folder on Google Drive. Must download and open in MS Excel. Does not work in Google Sheets.
Vertex42.com Mortgage Calculators – https://www.vertex42.com/Calculators/mortgage-calculators.html
FrameworkHomeOwnership.org Tools to Download – https://www.frameworkhomeownership.org/tools/getting-a-mortgage

Home Owners Insurance

RamseySolutions.com

What Does Homeowners Insurance Cover – https://www.ramseysolutions.com/insurance/what-does-homeowners-insurance-cover

Allstate.com

Home Owners Insurance – https://www.allstate.com/tr/home-insurance.aspx