{"id":29509,"date":"2022-08-31T15:53:31","date_gmt":"2022-08-31T19:53:31","guid":{"rendered":"https:\/\/blog.eztaxreturn.com\/?p=29509"},"modified":"2023-06-05T12:38:44","modified_gmt":"2023-06-05T17:38:44","slug":"4-ways-interest-rate-hikes-can-affect-your-spending","status":"publish","type":"post","link":"https:\/\/staging.eztaxreturn.com\/blog\/4-ways-interest-rate-hikes-can-affect-your-spending\/","title":{"rendered":"4 Ways Interest Rate Hikes Can Affect Your Spending"},"content":{"rendered":"\r\n<p class=\"wp-block-paragraph\">It feels like everything costs more these days \u2013 housing, food, gas, all the essentials.\u00a0 Part of the problem is <a href=\"https:\/\/en.wikipedia.org\/wiki\/Inflation\" target=\"_blank\" rel=\"noreferrer noopener\">inflation<\/a>.\u00a0 To try to get it under control, the <a href=\"https:\/\/en.wikipedia.org\/wiki\/Federal_Reserve\" target=\"_blank\" rel=\"noreferrer noopener\">Federal Reserve<\/a> has hiked interest rates four times this year and more increases are expected to come.\u00a0 The idea is that by making it more expensive for you to borrow money, you\u2019ll hold off on making major purchases, so prices can return to normal.\u00a0 Higher interest rates usually benefit savers but hurt borrowers.\u00a0 Here are four ways you may be affected.<\/p>\r\n<p>&nbsp;<\/p>\r\n\r\n\r\n\r\n<h2 id=\"h-carrying-a-credit-card-balance-will-cost-you-more\" class=\"wp-block-heading\"><strong>Carrying a credit card balance will cost you more<\/strong><\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">According to <a href=\"https:\/\/www.experian.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Experian<\/a>, the average American has $5,589 in credit card <a href=\"https:\/\/en.wikipedia.org\/wiki\/Debt\" target=\"_blank\" rel=\"noreferrer noopener\">debt<\/a>.\u00a0 With interest rates climbing higher, you\u2019re likely to sink further into debt.\u00a0 Almost all credit cards have variable APRs which are based on the prime rate.\u00a0 As the Federal funds rate rises, the prime rate follows suit, and so does your credit card rate.\u00a0 That means your outstanding balance will cost you more money.\u00a0 Want to pay off your debt fast?\u00a0 Here are some tips that can help.<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>Stop using your credit card<\/li>\r\n\r\n\r\n\r\n<li>Create a budget<\/li>\r\n\r\n\r\n\r\n<li>Reduce your debt using the debt avalanche or debt snowball method<\/li>\r\n\r\n\r\n\r\n<li>Make more than the minimum payment<\/li>\r\n\r\n\r\n\r\n<li>Get a part-time job to earn more money<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">\u00a0<\/h2>\r\n<h2 id=\"h-you-may-see-your-monthly-mortgage-payment-go-up\" class=\"wp-block-heading\"><strong>You may see your monthly mortgage payment go up<\/strong><\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">When interest rates go up, borrowers with <a href=\"https:\/\/en.wikipedia.org\/wiki\/Home_equity_loan\" target=\"_blank\" rel=\"noreferrer noopener\">home equity loans<\/a>, <a href=\"https:\/\/en.wikipedia.org\/wiki\/Home_equity_line_of_credit\" target=\"_blank\" rel=\"noreferrer noopener\">home equity lines of credit<\/a> (HELOCs) and <a href=\"https:\/\/en.wikipedia.org\/wiki\/Adjustable-rate_mortgage\" target=\"_blank\" rel=\"noreferrer noopener\">adjustable-rate mortgages<\/a> (ARMs) will see their payments increase.\u00a0 However, if you\u2019re locked into a fixed-rate mortgage, you won\u2019t be affected unless you try to refinance or get approved for a new loan.\u00a0 That\u2019s because fixed-rate mortgages are tied to the 10-year Treasury note.\u00a0 If you\u2019re looking to buy a home soon, you can save money on a new mortgage by:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>Comparing quotes from different lenders<\/li>\r\n\r\n\r\n\r\n<li>Improving your credit score<\/li>\r\n\r\n\r\n\r\n<li>Putting down a larger down payment<\/li>\r\n\r\n\r\n\r\n<li>Choosing a shorter-term loan<\/li>\r\n\r\n\r\n\r\n<li>Making additional payments towards the principal<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\r\n<div>\u00a0<\/div>\r\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-luminous-vivid-orange-background-color has-background wp-element-button\" href=\"https:\/\/www.eztaxreturn.com\/offers_plan.html?offer_tax_year=2022\" target=\"_blank\" rel=\"noreferrer noopener\">Pre-register now!<\/a><\/div>\r\n<\/div>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">\u00a0<\/h2>\r\n<h2 id=\"h-new-and-variable-rate-auto-loans-become-more-pricey\" class=\"wp-block-heading\"><strong>New and variable rate auto loans become more pricey<\/strong><\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">Buying your dream car is more expensive than ever.\u00a0 In July, the average price of a new car was $48,182 according to <a href=\"https:\/\/www.kbb.com\/car-news\/car-buyers-borrowing-more-than-ever\/\" target=\"_blank\" rel=\"noreferrer noopener\">Kelley Blue Book<\/a>.\u00a0 Higher interest rates will also make it more costly for you to finance a new or used car.\u00a0 Borrowers with variable rate auto loans will also be affected.\u00a0 If you\u2019ve already locked in a fixed rate, you don\u2019t have to worry about your monthly payments going up.\u00a0 Before applying for an auto loan, make sure you have your finances in order, so you score a great deal.\u00a0<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>Check and improve your credit<\/li>\r\n\r\n\r\n\r\n<li>Research auto loans and interest rates<\/li>\r\n\r\n\r\n\r\n<li>Make a larger down payment<\/li>\r\n\r\n\r\n\r\n<li>Choose a cheaper car<\/li>\r\n\r\n\r\n\r\n<li>Focus on the total amount, not just the monthly payment<\/li>\r\n\r\n\r\n\r\n<li>Take out a shorter-term loan<\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<h2 class=\"wp-block-heading\">\u00a0<\/h2>\r\n<h2 id=\"h-your-savings-can-grow-faster\" class=\"wp-block-heading\"><strong>Your savings can grow faster<\/strong><\/h2>\r\n\r\n\r\n\r\n<p class=\"wp-block-paragraph\">A bump in the interest rates means you\u2019ll get a better return on your investments.\u00a0 The best places to park your cash are in a high-yield savings account or <a href=\"https:\/\/en.wikipedia.org\/wiki\/Certificate_of_deposit\" target=\"_blank\" rel=\"noreferrer noopener\">certificates of deposit<\/a> (CDs) because they pay the most interest.\u00a0 Money market accounts are another good option.\u00a0 Experts recommend having at least 3 to 6 months of living expenses in savings to protect yourself if you lose your job or face a surprise expense.\u00a0 Here\u2019s what to look for in a savings account.<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>Good interest rates<\/li>\r\n\r\n\r\n\r\n<li>Low or no monthly fees<\/li>\r\n\r\n\r\n\r\n<li>Easy access to your money<\/li>\r\n\r\n\r\n\r\n<li>FDIC insurance<\/li>\r\n<\/ul>\r\n<p>&nbsp;<\/p>\r\n<p>&nbsp;<\/p>\r\n<h2 style=\"text-align: center;\">File your taxes online the fast and ez way.<\/h2>\r\n<p>&nbsp;<\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>It feels like everything costs more these days \u2013 housing, food, gas, all the essentials.\u00a0 Part of the problem is inflation.\u00a0 To try to get it under control, the Federal Reserve has hiked interest rates four times this year and more increases are expected to come.\u00a0 The idea is that by making it more expensive [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":29524,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[9],"tags":[],"class_list":["post-29509","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.13 (Yoast SEO v20.13) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>4 Ways Interest Rate Hikes Can Affect Your Spending<\/title>\n<meta name=\"description\" content=\"The Federal Reserve has hiked interest rates four times this year.\u00a0Interest rate hikes usually benefit savers but hurt borrowers.\u00a0\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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