Family Balance Sheet

APRIL 11, 2020

We paid off our last non-mortgage debt in September and have since sent that loan’s monthly payment to our mortgage principal. We just finished paying off our non-mortgage debts and now we were considering taking out a car loan. Update our Debt Freedom Plan to reflect lessons learned during this crisis. Cash is King.

Budgeting 246

Budgeting Budget Family Debt 246

Motherhood Moments

FEBRUARY 13, 2023

million students from 2012 to 2022 wages aren't even keeping up with inflation, let alone student debt You can view the full report, along with their analysis, here: [link] myelearningworld.com/college- tuition-inflation-report-2023/ This material comes from Motherhood Moment.

College 100

College College Tuition Education Student 100

Family Balance Sheet

JUNE 22, 2020

It was so big that I cried for two days straight– we paid off six figures in non-mortgage debts. How we got to six figures of non-mortgage debt: In the summer of 2012, we found an opportunity to purchase an office building for our small business. After the first year, the new business debt weighed on me.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Finally Frugal

DECEMBER 26, 2011

It's been quite a year; I have a total of four jobs (one full time, three part time) and am beginning to make a dent in my student loan debt. Pay down my second mortgage to such a degree that I can sell my home in the spring of 2012: I changed my tactic on this - instead, I am focusing on my student loan debt.

Goals 45

Goals 2012 Debt Student 45

Prairie Eco-Thrifter

MAY 10, 2012

Welcome to the May 11, 2012 Edition #236 of the Carnival of Financial Planning. ’ Financial Planning Ashley presents Should I Get Married with Debt? KT presents In Debt Consider Paying Cash for Your Purchases posted at Personal Finance Journey , saying, “Are you in debt besides the mortgage?

Money 113

Money May 2012 Debt 113

Prairie Eco-Thrifter

MAY 16, 2013

Check them out: Good Reads From The Blogosphere: When you’re aggressively trying to pay down debt, you may feel that you’ve done all you can to curb your expenses, but have you really? Don’t miss Melissa’s post at My Personal Finance Journey if you Think You’re Sacrificing to Pay Down Debt? Think Again.

Fridays 187

Fridays Debt Unemployment Rent 187

Family Balance Sheet

JANUARY 11, 2019

Our 2019 Financial Goal: Our one and only financial goal for the year: Pay off the student loan, our last non-mortgage debt. . Before we wrote our Debt Freedom Plan in 2012, I couldn’t see the forest through the trees. Our debts were massive and I was not as financially organized as I am right now. That’s it!

Financial Goals 100

Financial Goals Goals 2019 Health Insurance 100

Prairie Eco-Thrifter

JANUARY 10, 2013

I have tried to do some reading this week which I have highlighted below: Great Reads From The Blogosphere: Despite 2012 being over, Invest It Wisely’s idea to fight the winter blues by giving to causes you believe in is a sure-fire way to ensure you’re on your way to a fantastic 2013. Having a hard time keeping your resolutions?

Emergency Fund 193

Emergency Fund Debt Student Fridays 193

Family Balance Sheet

FEBRUARY 6, 2021

I talk a lot about debt freedom and that is still a goal of ours, and our Debt Freedom Plan will be adjusted. My husband drives a 2012 vehicle and in 2019 we got rid of a 2001 Honda Civic, which we bought new during my previous commuter life–pre-kids. So in the effort of transparency, I took out a car loan.

Finance 130

Finance January Family 2020 130

Family Balance Sheet

JUNE 4, 2015

However a few years ago, we found ourselves with too much debt and not enough cash. When a building in our town went into foreclosure in 2012, we considered the opportunity to own. Within a year after settlement, we found ourselves with a lot of debt, not enough cash flow, and very little set aside for emergencies.

Goals 100

Goals Debt Renovation Daughter 100

Family Balance Sheet

DECEMBER 10, 2014

Today’s Debt Free Story is from Carrie. How much debt did you pay off? What kind of debt was it? After my first marriage fell apart, I ended up with over $14,000 of consumer debt, made up of a car loan and credit cards. What inspired you to get debt free? Tell us about you and your family. Where are you from?

Debt 227

Debt Debt Free Financial Goals Goals 227

Saving Cents With Sense

SEPTEMBER 11, 2012

One way to get the things you know you want without going into debt is to put your holiday gifts in layaway. The post Kmart’s Big Layaway Giveaway Starting September 2012 appeared first on Saving Cents With Sense. All opinions are 100% mine. I hope to win big during the Big Layaway Giveaway – how about you?

September 61

September Giveaway 2012 Kmart 61

Family Balance Sheet

OCTOBER 23, 2014

We’ll talk about cash flow, budgets, debts, and all of the nitty gritty of our finances that might not be fun to talk about, but are so important to discuss. Back in 2012, as I was organizing our files, I wondered, What Financial Records Should I Keep and How Long Should I Keep Them For?

Finance 100

Finance Organic Organization 2014 100

Family Balance Sheet

OCTOBER 6, 2014

We’ll talk about cash flow, budgets, debts, and all of the nitty gritty of our finances that might not be fun to talk about, but are so important to discuss. Earlier this year, my husband and I wrote a specific list of financial goals and named it Our Debt Freedom Plan. Welcome to 31 Days to Organize Your Finances. And you know what?

Financial Goals 113

Financial Goals Goals Finance Organic 113

Family Balance Sheet

FEBRUARY 10, 2017

As I reflect back to January 2016, I started that year pretty determined to pay off the balance of our non-mortgage debts. Unfortunately, we did not hit that goal and in part, have made some major changes to our Debt Freedom Plan. Our Debt Freedom Plan Started in 2013: The year 2012 was quite exciting for me and my husband.

Debt 100

Debt 2017 Student 2016 100

Finally Frugal

JANUARY 1, 2012

We we begin the new year, I wanted to update my debt repayment status. I've made a dent in my student loan debt, though it has come at the cost of my mortgage debt, unfortunately. Even so, I'm happy with the progress I've made and am excited to watch my student loan debt decrease even more quickly in 2012.

New Year's 40

New Year's Debt Student Goals 40

Family Balance Sheet

APRIL 12, 2013

"Debt is Dumb, Cash is King" - Dave Ramsey. He has successfully inspired thousands of people to a life free of credit cards and debt. If we could reduce our spending by 12-18%, we could put that money towards our debt. In 2012, we spent almost $8000 on groceries and 12% of that is $960. That caught my attention.

Credit Cards 100

Credit Cards Credit Debt March 100

Prairie Eco-Thrifter

SEPTEMBER 30, 2013

We all have been taught that a college degree is the path to the good life, but is it still – when students are emerging with heavy debt and little chance of a lucrative job? But, at least I graduated without debt. Should today’s high school students consider avoiding the debt and going after those jobs instead?

College 227

College Debt Education Student 227

Saving With Shellie

DECEMBER 12, 2011

Get a free download of Dumping Debt by Dave Ramsey and learn how to get on track for 2012. This is audio lesson will teach you about Dave’s Debt Snowball Method and how to start the process of living debt free. Are your Christmas expenses scary this year? Stan and I do our own modified version of Dave’s plan.

Living Debt Free 75

Living Debt Free Debt Audio Debt Free 75

Family Balance Sheet

SEPTEMBER 8, 2011

Have you erased your debt? Graduated from college debt-free These are just a few ideas, but the stories are endless. My goal is to post 1 -2 guest posts a month through the fall and if this is successful, I will continue into spring 2012. If you are not a blogger, you may still submit your story. Thanks for reading.

Debt 138

Debt Personal Finance Finance Debt Free 138

Prairie Eco-Thrifter

MAY 3, 2012

Many thanks to The Frugal Toad who hosted the Yakezie Carnival – Earth Day 2012 Edition and included my post, Increase Your Self-Confidence: 5 Easy Steps. Finally, Marie’s post, When Everything You Touch Turns to Dust , was included in the Totally Money Carnival #65 hosted by Debt Black Hole.

Personal Finance 100

Personal Finance Finance Green And Frugal Debt 100

Finally Frugal

SEPTEMBER 10, 2012

Here's a more organized update (and then I'll explain my dilemma): Here's where things stand now, in early-mid September 2012: Second Mortgage Debt: $31,400::::$25,176. Student Loan Debt: $61,762::::$29,318. Primary Mortgage Debt: $167,500::::$154,209. Student Loan Debt: $61,762::::$39,070.

Debt 45

Debt Student Taxes January 45

Family Balance Sheet

JANUARY 10, 2012

Column E = Monthly debt payment. The third section is for our 2012 Financial Goals. How much do we want to reduce debt by? Did you make a 2012 goal to meet regularly with your spouse to discuss finances? How much do we need to save to get to our target. Column F = Loan balance. Column G = final due date of the loan.

Finance 138

Finance Financial Goals Goals C&H 138

Prairie Eco-Thrifter

OCTOBER 27, 2013

It is so easy to incur debt and keep deferring payment. An acquaintance of mine inherited a 4 bedroom/2 bath home free and clear of any debt. In 2012, Ramit of I will teach you to be rich, posted “ Who do you know that consistently makes the worst financial decisions?” Living above your means. Not paying your real estate taxes.

Real Estate 240

Real Estate Taxes Money Debt 240

Prairie Eco-Thrifter

APRIL 24, 2012

On March 28, 2012 the Senate passed Resolution 409 that officially recognized April as National Financial Literacy Month. Household debt stood at $13,200,000,000,000 at the end of the third quarter of 2010 (according to a 2011 ‘‘Flow of Funds’’ report by the Board of Governors of the Federal Reserve System).

United States 202

United States Personal Finance Economical Finance 202

Nicoles Nickels

JULY 25, 2012

Credit Sesame is a 100% FREE personal finance credit and debt management tool with no credit card required or trial period. It is an easy way to monitor and manage your credit and loans all in one place and save money on debt. Contest ends July 31, 2012. A random winner will be selected by August 01, 2012.

Win 45

Win Finance Personal Finance Debt 45

Nicoles Nickels

JANUARY 2, 2012

Credit Sesame : Credit Sesame is a 100% FREE personal finance credit and debt management tool with no credit card required or trial period. It gives an instant view of consumer’s credit, including Experian credit score, refreshed monthly & for free, & debt analysis with personalized offers tailored to consumer’s credit profile.

Personal Finance 40

Personal Finance Debt Credit Cards Finance 40

Family Balance Sheet

MARCH 6, 2012

Women’s Money Week will run from March 5th-11th, 2012 on WomensMoneyWeek.com — coinciding with International Women’s Day. It could be from the stress of unemployment, a large debt load, or the amount of shoes in someone's closet; money can be an evil force in a marriage. Do you want to eliminate your credit card debt?

Money 225

Money Financial Goals Goals Kids and Family 225

Prairie Eco-Thrifter

OCTOBER 21, 2012

Kristen from My Dollar Plan reminds us Why You Should Tell Your Family About Your Debt. Peter from Bible Money Matters shares 10 Tips to Save Money on Your Christmas Shopping and Avoid Going Into Debt. ” Jacob from Dwindling Debt asks Do Overdraft Chargers Affect Your Credit. I am a big believer in communicating.

Personal Finance 219

Personal Finance Finance Debt Money 219

Saving Cents With Sense

OCTOBER 31, 2014

Debt Free: 9 Step System To Get Out of Debt Fast and Have Financial Freedom by Ashton Periera. Bar None Records Sampler Summer 2012. Homemade Christmas Gifts by Victoria Raymond. Favorite Christmas Cookies by Multiple Authors. Thanksgiving Coloring Sheets. Halloween Picture from The Picture People (Valid through 10/31/2014).

Halloween 40

Halloween Freebies Debt Thanksgiving 40

Prairie Eco-Thrifter

APRIL 17, 2015

According to the article, 54% picked “having the ability to keep up with expenses and hold a steady job while not falling behind or taking on too much debt” There’s that ‘work ethic’ – one of our ‘middle-class’ values. Do the Rich Use Debt Differently? census data. Take a look.

Polls 100

Polls New York City Wichita Debt 100

Finally Frugal

MAY 30, 2012

Though it is a tough road and my friends and family are still wondering if I'm nuts (I must admit I wonder myself as I go from job to job to job), I can finally see that I may actually be free of student loan debt in early 2013!! So for those of you out there who are in debt up to your eyeballs (or armpits, or belly button.

Debt 40

Debt Student TV shows Goals 40

Prairie Eco-Thrifter

APRIL 6, 2012

Welcome to the April 6, 2012 Edition #231 of the Carnival of Financial Planning. ” Managing Debt. Jeremy Waller presents Do You Have What It Takes To Be Debt Free And Financially Successful? You see theres a reason that the majority of people are in debt. Here are 5 steps to painlessly become debt free.

Money 133

Money Finance Personal Finance Real Estate 133

For the Mommas

JULY 23, 2012

Credit Sesame is a free online personal finance tool that gives consumers an easy way to monitor and manage their credit and loans all in one place and save money on debt. Contest ends July 31, 2012. A random winner will be selected by August 01, 2012. What does Credit Sesame do? Automatically enter to win $250!

Credit 61

Credit Win Credit Cards Finance 61

Nicoles Nickels

DECEMBER 30, 2011

FREE Audio Lesson: David Ramsey “Dumping Debt” FREE ebook “The Mouse and the Christmas Cake” FREE Avery Templates. Don’t forget to enter my current giveaways: P&G Have You Tried This Yet Holiday Products Review & Giveaway (Ends January 3, 2012). FREE Digital 1 Year Subscription to Cosmopolitan.

Freebies 40

Freebies Fridays Frito lay January 40

Prairie Eco-Thrifter

FEBRUARY 25, 2013

And, in 2012 alone, both Kia and Hyundai were found guilty of misstating their vehicles’ fuel efficiency by up to 15 percent , while a California woman was awarded nearly $10,000 when she sued Honda in small claims court for overstated mpg claims. So, what do you think?

Fuel Economy 186

Fuel Economy Gasoline Fuel Economy 186

For the Mommas

JULY 28, 2012

Credit Sesame is a free online personal finance tool that gives consumers an easy way to monitor and manage their credit and loans all in one place and save money on debt. Contest ends July 31, 2012. A random winner will be selected by August 01, 2012. Free National Parks Entrance June 2012. What does Credit Sesame do?

Credit 40

Credit Win Credit Cards Finance 40