Smart financial management involves protecting credit, mastering frugal living, and understanding legal obligations like tax filing and property transfers.
Although personal checks have become less popular due to credit cards and checking cards, they are still frequently used, particularly when paying rent or utilities and other bills, or for establishing an easy-to-follow paper trail.
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Transferring a mortgage to a spouse is a significant financial move. It is most commonly done during a divorce--if one spouse owns the mortgage but the other will receive ownership of the house through divorce proceedings, the mortgage must be transferred over.
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