5 Tips for Savvy Use of Your Home Equity Line of Credit

Tapping your home's equity to pay college expenses, consolidate credit card debt or even to buy a new car or boat is common place. Many economists attribute the additional buying power afforded consumers through home equity debt as a primary reason the nation's economy has been able to emerge from the recent recession. Yet, aside from simply allowing consumers to spendmore, the flexibility and efficiency of a home equity line of credit (HELOC) can provide the financially savvy person with the means to savemoney, make money or simply take advantageof opportune situations he or she might otherwise miss out on. Here are five tips to show you how:

Tip 1: Take Advantage of Higher Insurance Deductibles! You probably know that raising deductibles on auto and homeowners insurance policies can mean big savings on insurance premiums. If you increase the deductible on a homeowner's policy from $500 to $1,000, you'll cut your premium by as much as 25%! Yet many people don't do this because they fear they may not have the necessary cash available in the event of a loss. With low-interest cash readily available through a home equity line of credit you'll have the security and confidence you need to raise your deductibles and reap the savings!

Tip 2: Lock In Big Savings! Credit card companies (e.g. the GM card) frequently have shopping programs with names like "Main Street Savings" on a 30-day free trial basis. These programs allow you to buy discounted gift cards (20% discount) for major national retailers like Target, Sears, and Home Depot. The flexibility afforded by a home equity line of credit can allow you to purchase (during the free trial period) a large amount of discounted gift cards for major retailers you frequent. Then use these cards instead of cash or credit when you purchase everyday items (The cash you would have spent can be used to pay down the HELOC).

Although you pay low interest on the home equity credit line, you receive a front-end discount of 20% on everything bought. When combined with store coupons and sales, you can realize total savings of 70% or more! In short, a HELOC provides the low interest cash availability to take advantage of bargains like this that you might otherwise have to pass on.

Tip 3: Take Advantage of 0% Balance Transfer Offers! We've all seen no-fee credit card offering "0% APR" on balance transfers for 6, 12, and even 18 months. If you have a balance on your HELOC, you may be able to take advantage of these offers. Here's an example of how: last year I accepted such an offer and promptly transferred $10,000 from my home equity credit line balance (which had a 4.25% rate). Then I cut up the card! For the next eleven months, I paid the monthly minimum credit card payment (3% of the outstanding balance) by writing a check from my home equity line of credit. In the twelfth month, prior to the expiration of the 0% offer, I paid off the remaining balance with another home equity credit line check. During the 12 months, I also made sure to continue my regular payment towards the HELOC at the same level, meaning that more of each went to pay down principal and less went to interest.

Net result: interest savings of over $350.00, lower principal balance on my HELOC, and a positive addition to my credit repayment history!

Tip 4: First Pay With a Rewards Credit Card! If you're contemplating using your HELOC for a major purchase, you should consider whether or not the merchant your dealing with accepts credit cards. Why? Because it makes a great deal of sense to pay first with a rewards credit card and then pay off the card with your HELOC check. On a recent $14,000 bathroom remodel, I was able to charge plumbing services, cabinets, and almost everything else to my Fidelity/MBNA 529 College Rewards Mastercard. This card pays you back by putting 2% of everything charged into a 529 college savings plan. Result: $280.00 in college savings that would have been missed if I paid the bills directly with home equity credit line checks! Whatever rewards credit card you favor, it's sensible to pay first with the card whenever possible. Keep in mind, though, you must promptly pay off the balance and not incur finance charges.

Tip 5: Replace Your 1st Mortgage with a HELOC! According to Money Magazine, if you have more equity than debt and plan to stay in your home for 3 years or less, you should consider replacing your first mortgage with a home equity line of credit. HELOCs are currently available around the country at rates of 4% or lower. Even if rates increase a full percentage point each year, they'll still be low when you pay off the loan. Best of all, there are no closing costs with most HELOCS so you won't have to worry about recouping them through interest savings as you do with a traditional mortgage refinance. A savvy person - using tip 3 in conjunction with tip 5 - might even move a portion of his mortgage to a 0% credit card thanks to the flexibility of a home equity line of credit.

About The Author

Tim Paul has more than 25 years executive financial management experience. His recent area of focus has been to develop and catalog proven strategies for financially savvy persons to get the most from their home equity credit lines. His website is www.sagetips.com.

mail@sagetips.com

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601087%26sid%3Da8QEwRkHQ0fk%26refer%3Dhomecid=1276516535ei=GrY4Se7UGYu-9gTp3_CNCQusg=AFQjCNH-5ea_ar3dwT0kBHGqpYoRVUNWZwBernanke Says US Must Step Up Foreclosure Efforts (Update1)/abrfont size=-1font color=#6f6f6fBloombergnbsp;-/font nobr11 hours ago/nobr/fontbrfont size=-1b.../b been prodding private bmortgage/b servicers and bond investors to cooperate with government efforts to modify or brefinance/b loans for troubled borrowers. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.minyanville.com/articles/Bernanke-mortgage-housing-RATE-rates-Federal/index/a/20223cid=1276516535ei=GrY4Se7UGYu-9gTp3_CNCQusg=AFQjCNHJJxJOZTToikfh7EykWDRKlnAMuQOp-Ed: Fed Throws bRefinancing/b Party; No One Shows Up/a font size=-1 color=#6f6f6fnobrMinyanville.com/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://washingtontimes.com/news/2008/dec/05/bernanke-calls-for-foreclosure-remedies/cid=1276516535ei=GrY4Se7UGYu-9gTp3_CNCQusg=AFQjCNG4WTJ-nB9V0zAQHUc-8Vv0DymzyQBernanke calls for foreclosure remedies/a font size=-1 color=#6f6f6fnobrWashington Times/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/treasurys-gain-yields-multi-decade-lows/story.aspx%3Fguid%3D%257B63CAF2BD-8AC0-41C8-BA17-333285F531B1%257D%26dist%3Dgooglecid=1276516535ei=GrY4Se7UGYu-9gTp3_CNCQusg=AFQjCNFZqejdrs4ty3e8MJtLrlDIU1CQoQTreasurys gain as jobs outlook appears sour/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.iht.com/articles/2008/12/04/business/fed.phpcid=1276516535ei=GrY4Se7UGYu-9gTp3_CNCQusg=AFQjCNGMHglluFWfvi4mzl6J7oY4kkcmuAnobrInternational Herald Tribune/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.theaustralian.news.com.au/business/story/0,28124,24754458-5017997,00.htmlcid=1276516535ei=GrY4Se7UGYu-9gTp3_CNCQusg=AFQjCNG1tQCoWUti_hV4uvJELSep5AvhcAnobrThe Australian/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1276516535hl=ennobrall 1,315 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.abc15.com/guides/finance/story/Home-equity-loan-avoids-fees-of-refinancing/Jtaf7afFBkG6lelFVJdF1A.cspxcid=1277621990ei=GrY4Se7UGYu-9gTp3_CNCQusg=AFQjCNFJiWTReiNGEewTnFfdlu4XuhS_FAHome equity loan avoids fees of brefinancing mortgage/b/abrfont size=-1font color=#6f6f6fABC15.com (KNXV-TV),nbsp;AZnbsp;-/font nobr9 hours ago/nobr/fontbrfont size=-1By Jeff Brown Q. I would like to brefinance/b my adjustable-rate bmortgage/b to lock in one of today#39;s low rates. But I don#39;t want to pay a lot of fees for a new b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/long-fixed-rate-term-arm-gives/story.aspx%3Fguid%3D%257B05D2234B-490D-4AA3-9627-3035071B9F34%257D%26dist%3Dmsr_1cid=1277621990ei=GrY4Se7UGYu-9gTp3_CNCQusg=AFQjCNG2hjWRRfPL7NHpp5smmQfXB8sh9gARM with a long fixed-rate term gives homeowner time to plan/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1277621990hl=ennobrall 13 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.canada.com/calgaryherald/news/story.html%3Fid%3Dc684359d-ca48-4c21-8996-21ed58cd2c9ccid=1276773558ei=GrY4Se7UGYu-9gTp3_CNCQusg=AFQjCNHHnJ5CPfkb5VAGvjirU3yzrHFJAwimg src=http://news.google.com/news?imgefp=fm8LntW6oKMJimgurl=a123.g.akamai.net/f/123/12465/1d/media.canada.com/reuters/olusbus_iptc/2008-11-28t105036z_01_btre4ar0u4j00_rtroptp_2_business-us-markets-stocks.jpg%3Fsize%3Dl width=80 height=80 alt= border=1brfont size=-2Calgary Herald/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/ousiv/idUSTRE4B27JG20081203cid=1276773558ei=GrY4Se7UGYu-9gTp3_CNCQusg=AFQjCNHvv2dYG-pTYF9rXu3dWXwhL7YLmgLower bmortgage/b rates help but jobs, prices key/abrfont size=-1font color=#6f6f6fReutersnbsp;-/font nobrDec 3, 2008/nobr/fontbrfont size=-1Applications to buy and brefinance/b homes hurtled higher last week as the lowest rates since the summer of 2005 unleashed pent-up demand. b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/ousiv/idUSTRE4B37TN20081204cid=1276773558ei=GrY4Se7UGYu-9gTp3_CNCQusg=AFQjCNEcg5PaReI08fe_hPRmrGZ86jxK4gUS must ensure market aid is temporary: SEC#39;s Cox/a font size=-1 color=#6f6f6fnobrReuters/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1276773558hl=ennobrall 1,828 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd width=80 align=center valign=topfont style=font-size:85%;font-family:arial,sans-serifa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.telegraph.co.uk/finance/economics/interestrates/3548136/Interest-rates-cut-Gordon-Brown-provided-with-short-term-cheer-and-long-term-worries.htmlcid=1277160392ei=GrY4Se7UGYu-9gTp3_CNCQusg=AFQjCNGqNj5t6M9WPDOpBHAmqE8knv8x7wimg src=http://news.google.com/news?imgefp=IDK7J0fMOVQJimgurl=www.telegraph.co.uk/telegraph/multimedia/archive/01123/brown_1123533c.jpg width=80 height=50 alt= border=1brfont size=-2Telegraph.co.uk/font/a/font/tdtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.themonitor.com/articles/loan_20601___article.html/rate_homeowners.htmlcid=1277160392ei=GrY4Se7UGYu-9gTp3_CNCQusg=AFQjCNF00C4g5QD3KIiUoO5KaoDQ8MRaJAbRefinancing/b a viable option for certain homeowners/abrfont size=-1font color=#6f6f6fMonitor,nbsp;TXnbsp;-/font nobr21 hours ago/nobr/fontbrfont size=-1For the many locals who are still paying off subprime mortgages, brefinancing/b is also likely not an option. But with a 30-year bmortgage/b rate at close to 5.5 b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.forbes.com/entrepreneursfinance/2008/12/01/foreclosure-paulson-fdic-ent-law-cx_kw_1201whartonforeclosure.htmlcid=1277160392ei=GrY4Se7UGYu-9gTp3_CNCQusg=AFQjCNHGPmN5lxwcvZZXDOMdoSIYpuvrCAHow To Cope With The Flood Of Foreclosures?/a font size=-1 color=#6f6f6fnobrForbes/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1277160392hl=ennobrall 579 news articles/nobr/a/font/div/font/td/tr/table
mortgage refinance - Google News

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