If you are a couple that has done everything right and have reached a point in life that you just want to enjoy the rest of your life without any worries and responsibilities, then you have earned it. Not many couples reach this point because there is always something left to be done, and sometimes it is for the sake of children on grandchildren. If you have been financially responsible most of your life, one option to enjoy the last phase of your life is to take out a reverse mortgage, but be careful, the fees can be extremely high since the lender is making a wild guess about how long you will live. Watch the video to find out what to be careful about.

For couples considering buying (or refinancing) a home, there may be one more headache to deal with: more scrutiny by mortgage lenders. In the past, while the banks may have been too liberal, now the pendulum has swung the other way. After problems in the sub-prime mortgage market, they are now strict with everyone demanding more documents and looking at credit scores more closely. So be prepared with documentation and if your credit history is less than stellar, you might have to pay higher interest rates.

Whether you are single (why don't you join our free dating website) or in a relationship, your personal finances should be healthy. As couples it is even more important to keep your money issues resolved since money can be a big reason for friction. In order to keep your money matters in control, you have to look at your credit score carefully, since it affects your borrowing ability: how much can you borrow and at what interest rate.

So how can you achieve a high credit score?

Watch this excellent video to learn a few simple things that if you do over a period of time, you can save a lot of money in the long run.

Tips for abused women with no money

Maggie is an abusive relationship that is wearing her down. Plus, she does not see a way to get out of it easily. "My boyfriend is physically and emotionally abusive to me. I do work but make so little money that I cannot live independently. He provides a roof over my head and reminds me that every day. I am so miserable and I have to leave, but how?" (Related: How to leave an abusive relationship)

I am sorry to hear that you are going through such pain. Here are a few options to explore:

1. Ask a friend to help you move out and take you in for a couple of months as you try to build your life again.
2. No matter how you do it, try to cut down your expenses and definitely save some money each month - take another job if you can. Try to become independent as soon as possible and then leave this man. (Related: Tips for abused women)
   
3. If none of this is possible, just look into your phone book under women's shelters and give them a call. There are many organizations that support women like you - they maybe able to provide housing for you for a while as you try to become independent.