Family Balance Sheet

OCTOBER 18, 2019

The journey started in 2012 when we bought an office building for our business and then found ourselves with a lot of debt and not enough cash flow. We still have a mortgage, so we’re technically not DEBT-FREE, but we paid off over 6 figures of business debts and student loans since 2012 and have wiped out our NON-mortgage debt.

Debt 100

Debt 2019 Financial Goals Emergency Fund 100

Family Balance Sheet

MAY 6, 2020

Our small business was going well, so we said so long to renting office space and purchased a commercial property in the summer of 2012. The numbers that looked great on paper in the summer of 2012 were, in reality, turning out to be very challenging in 2013. Yep, life was good.

Debt 130

Debt Emergency Fund 2007 2020 130

Prairie Eco-Thrifter

JANUARY 13, 2013

It was a Thursday night, the 20 th of December 2012. We don’t know those neighbors very well, don’t know their cell phone numbers or how to contact them. You need to fully understand what will be covered and what won’t be – before you start contracting for cleaning and repair services.

Home 189

Home Insurance Haggle Haggling 189

Saving Everyday

APRIL 14, 2012

The following deals are valid Sunday, 4/8/2010 through Saturday, 4/14/2012: Know your Rite Aid Coupon Policy before shopping! April Video Values Coupons will be available to watch through 4/28/2012 and expire 5/12/2012. April Video Values Coupons will be available to watch through 4/28/2012 and expire 5/12/2012.

2012 63

2012 John Frieda Revlon General Mills 63

Saving Everyday

SEPTEMBER 1, 2012

The following deals are valid Sunday, 9/2/2012 through Saturday, 9/8/2012: Know your Rite Aid Coupon Policy before shopping! September Video Values will be available to watch 8/30/2012 thr0ugh 9/29/2012 and expire on 10/13/2012. 2/1 Almay Cosmetic Product 08/05/2012 SS Insert (exp 09/16/2012). $1/1

2012 55

2012 John Frieda Video Almay 55

Saving Everyday

MARCH 30, 2012

The following deals are valid Sunday, 4/1/2010 through Saturday, 4/7/2012: Know your Rite Aid Coupon Policy before shopping! April Video Values Coupons will be available to watch through 4/28/2012 and expire 5/12/2012. 10% off Rite Aid Brands, everyday with your Wellness Card. ** Be sure to check out Easter deals at the bottom.

2012 63

2012 John Frieda Sally Hansen Mars 63

Saving Everyday

MARCH 2, 2013

10% off Rite Aid Brands, everyday with your Wellness Card. Skin Lotion, Extremely Dry, Professional Repair, Fragrance Free 6.8 Eucerin Hand Creme, Plus Intensive Repair, 2.7 As of September 2, 2012, Rite Aid implemented the NEW Load2Card +UPs system. You must have a Rite Aid Wellness Card to do the +Up deals.

2013 49

2013 Emergen-C Band-Aid Sally Hansen 49

Saving Everyday

OCTOBER 6, 2012

The following deals are valid Sunday, 10/7/2012 through Saturday, 10/13/2012: Know your Rite Aid Coupon Policy before shopping! October Video Values will be available to watch 9/30/2012 thr0ugh 10/27/2012 and expire on 11/11/2012. 10% off Rite Aid Brands, everyday with your Wellness Card. Pay: $2.99.

2012 45

2012 John Frieda Herbal Essence Tresemme 45

Saving Everyday

JANUARY 27, 2012

The following deals are valid Sunday, 1/29/2010 through Saturday, 2/4/2012: Know your Rite Aid Coupon Policy before shopping! March Video Values Coupons will be available to watch on 1/29/2010 through 3/3/2012 and expire 3/17/2012. 10% off Rite Aid Brands, everyday with your Wellness Card. Tomorrow is the last day.

2012 59

2012 Jewelry and Watches Olay Video 59

Prairie Eco-Thrifter

NOVEMBER 12, 2011

Money Cactus: Wealth Creation Online: Invest It Wisely Interview – There are a stack of really great personal finance blogs online and keeping up with them can be tough, this series introduces you to those who I think are well worth knowing about. However, as a landlord, you are required to make basic repairs.

November 188

November 2011 Personal Finance Finance 188

Saving Everyday

FEBRUARY 9, 2013

10% off Rite Aid Brands, everyday with your Wellness Card. 1/1 Sucrets 11/18/2012 SS Insert (exp 03/31/2013). 1 Carmex Lip, conditioner or any 12/02/2012 SS Insert (exp 02/28/2013). 1 Carmex, Moisturizer Plus 12/02/2012 SS Insert (exp 02/28/2013) – if included. Colgate Max Toothpaste 6 oz - $3.50. Pay: As low as $1.00

2013 45

2013 Edge Shaving Gel Wet N Wild Revlon 45

Saving Everyday

AUGUST 25, 2012

The following deals are valid Sunday, 8/26/2012 through Saturday, 9/1/2012, courtesy of my friend Melissa @ Don’t Make Me Nuts. Use 2 – $1/1 Planters 06/24/2012 SS Insert (exp 08/31/2012). 3 off John Frieda Full Repair Styler or Treatment wyb Full Repair Shampoo or Conditioner, exp.

Walgreens 45

Walgreens John Frieda Visine Velveeta 45

Saving Everyday

MARCH 3, 2012

The following deals are valid Sunday, 3/4/2010 through Saturday, 3/10/2012: Know your Rite Aid Coupon Policy before shopping! March Video Values Coupons will be available to watch on 3/4/2012 through 3/31/2012 and expire 4/14/2012. 10% off Rite Aid Brands, everyday with your Wellness Card. 4/7/12 (SS 02/12/12). $1/1

2012 59

2012 Arm and Hammer John Frieda Herbal Essence 59

Family Balance Sheet

JUNE 22, 2020

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. Our business was doing very well, and we were excited about the opportunity to own a property outside of our home. Everything looked great on paper. We stopped retirement contributions.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Saving Everyday

FEBRUARY 11, 2012

The following deals are valid Sunday, 2/12/2010 through Saturday, 2/18/2012: Know your Rite Aid Coupon Policy before shopping! February Video Values Coupons will be available to watch on 1/29/2010 through 3/3/2012 and expire 3/17/2012. 10% off Rite Aid Brands, everyday with your Wellness Card. Stride Gum 14ct 3/$3.

2012 85

2012 General Mills Band-Aid John Frieda 85

Saving Everyday

JANUARY 21, 2012

The following deals are valid Sunday, 1/22/2010 through Saturday, 1/29/2012: Know your Rite Aid Coupon Policy before shopping! January Video Values Coupons will be available to watch through 1/1/2012 through 1/28/2012 and expire 2/11/2012. 10% off Rite Aid Brands, everday with your Wellness Card. Final Price = $0.50

2012 51

2012 2011 John Frieda Jet Dry 51

Saving Everyday

MAY 11, 2012

The following deals are valid Sunday, 5/13/2010 through Saturday, 5/19/2012: Know your Rite Aid Coupon Policy before shopping! 10% off Rite Aid Brands, everyday with your Wellness Card. 10% off Rite Aid Brands, everyday with your Wellness Card. +UP 3/2 Pantene 05/13/2012 P&G Insert (exp 06/30/2012). Pay: $4.00.

2012 51

2012 Herbal Essence General Mills Aussie 51

Saving Everyday

MARCH 10, 2012

The following deals are valid Sunday, 3/11/2010 through Saturday, 3/17/2012: Know your Rite Aid Coupon Policy before shopping! March Video Values Coupons will be available to watch on 3/4/2012 through 3/31/2012 and expire 4/14/2012. 10% off Rite Aid Brands, everyday with your Wellness Card. oz+ (exp 04/05/2012) *.

2012 63

2012 Chex Mix New York Maybelline 63

Saving Everyday

FEBRUARY 17, 2012

The following deals are valid Sunday, 2/19/2010 through Saturday, 2/25/2012: Know your Rite Aid Coupon Policy before shopping! February Video Values Coupons will be available to watch on 1/29/2010 through 3/3/2012 and expire 3/17/2012. 10% off Rite Aid Brands, everyday with your Wellness Card. Final Price = As low as $1.50

2012 51

2012 Feb Advil New York 51

Saving Everyday

JANUARY 7, 2012

The following deals are valid Sunday, 1/8/2010 through Saturday, 1/14/2012: Know your Rite Aid Coupon Policy before shopping! January Video Values Coupons will be available to watch through 1/1/2012 through 1/28/2012 and expire 2/11/2012. 10% off Rite Aid Brands, everday with your Wellness Card. Pay: $2 for 2.

2012 55

2012 2011 Video January 55

Saving Everyday

SEPTEMBER 8, 2012

The following deals are valid Sunday, 9/9/2012 through Saturday, 9/15/2012: Know your Rite Aid Coupon Policy before shopping! September Video Values will be available to watch 8/30/2012 thr0ugh 9/29/2012 and expire on 10/13/2012. 2/1 Neutrogena Rapid Tone Repair Moisturizer, exp. 10/13/12 (SS 09/09/12 #2).

2012 58

2012 Sept Neutrogena Wet N Wild 58

Nicoles Nickels

APRIL 30, 2012

Well, I teamed up with my two good blogging friends Karen from Koupon Karen and Keri Lyn from She Saved and we put together a Mother’s Day gift guide that I think you will enjoy a lot! © 2012 Nicoles Nickels LLC. Mother’s Day is coming and that means time to spoil mom since she is always taking care of everyone else, right?

Pampers 82

Pampers Giveaway Petsmart Serum 82

The Frugal Girl

NOVEMBER 13, 2023

Brian and me at the Sears Tower Having our first child just one month after our first wedding anniversary was NOT in the plan, but so far it’s worked out well! I wouldn’t qualify it as embarrassing, given the time period, but we lost our entire downpayment on the first house we bought. What’s one thing you splurge on?

Kids and Family 187

Kids and Family Parenting Cars Car 187

Saving Everyday

NOVEMBER 17, 2012

The following deals are valid Sunday, 11/18/2012 through Saturday, 11/24/2012. 1/2 Halls, single bags, 17 ct+ 11/04/2012 SS Insert (exp 12/31/2012). 1 Mitchum Deodorant 10/14/2012 SS Insert (exp 12/21/2012). Infusium 23 Leave-In treatment Repair or Spray – $4.99. – 1000 points = $1.00.

Walgreens 53

Walgreens Betty Crocker 2012 Coffee Mate 53

Family Balance Sheet

DECEMBER 10, 2014

I would offer to do people’s taxes, or get their bookkeeping organized in exchange for a discount on my rent, or a small repair on my car. I became debt-free on May 29, 2012 and the first thing I did was quit my job as a seasonal tax pro. It was a fun and creative way to get what I needed without spending money.

Debt 227

Debt Debt Free Financial Goals Goals 227

Nicoles Nickels

MAY 2, 2012

The Crest 3D White Intensive Professional Effects Whitestrips whiten as well as a $500 in-office professional treatment and are Crest’s most powerful whitening system, providing visible results after just 1 USE! Product Name: Infusium 23 Repair & Renew Leave-In Treatment. © 2012 Nicoles Nickels LLC. Gluten free.

Giveaway 84

Giveaway Emergen-C Mother's VO5 84

Saving Everyday

APRIL 6, 2013

10% off Rite Aid Brands, everyday with your Wellness Card. John Frieda Frizz-Ease, Full Repair, Root Awakening, Brilliant Brunette, Sheer Blonde, Radiant Red or Luxurious Volume - B1G1 50% Off psa $6.99. As of September 2, 2012, Rite Aid implemented the NEW Load2Card +UPs system. Buy 2, Get a $3 +UP | Limit 3.

2013 59

2013 John Frieda Visine Garnier 59

Saving Everyday

FEBRUARY 23, 2013

10% off Rite Aid Brands, everyday with your Wellness Card. 1 Poise Absorbent or Feminine Wellness Product Coupon *. $3/1 3/1 Poise Feminine Wellness, no trial 02/10/2013 SS Insert (exp 03/23/2013). Ibotta Deposit when you buy Dove Intensive Repair Shampoo, Conditioner, or Daily Treatment Conditioner Product.

2013 49

2013 Band-Aid Pine-Sol Chex Mix 49