Family Balance Sheet

MAY 6, 2020

Storm #2: 2013. August 2013 was a month that I’d like to wipe from my memory. But in August 2013 , our business softened, renovations to our new building were more costly than planned, and we were now the owners of two mortgages: our home and our business. I still use my spreadsheet to this day! Yep, life was good.

Debt 130

Debt Emergency Fund 2007 2020 130

Family Balance Sheet

SEPTEMBER 21, 2015

August 2013 was a month that I’d like to wipe from my memory. But in August 2013, our business softened, renovations to our new building were more costly than planned, and we were now the owners of two mortgages, our home and our business. Prior to that, we thought we were golden. Yep, life was good. My Life Plan.

Finance 100

Finance Debt August 2013 100

Family Balance Sheet

AUGUST 13, 2021

This post was originally published in 2013. If your garden is overflowing or your neighbors are begging you to take their extras, then you need to make a batch of Roasted Vegetable Sauce. It is super easy, unbelievably delicious, yet incredibly cheap if everything is from your garden.

Gardening 130

Gardening Garden Ovens Baking 130

Family Balance Sheet

NOVEMBER 2, 2022

Back in 2013, I had a year-long series, Christmas Savings Club , to encourage everyone to set aside money each month for the holidays. We paid for many of our Christmas purchases on a credit card and then hustled in January 2013 to pay it off. The series was inspired by my own problem with not having enough cash for Christmas in 2012.

Christmas 130

Christmas Finds Friends And Family Sale Donation 130

Family Balance Sheet

DECEMBER 31, 2012

?. To kick off the New Year and the launch of their brand new site, BundleoftheWeek.com is offering an amazing bundle of ebooks designed to help you pursue your goals in 2013! The 2013 Confident Mom Weekly Household Planner by Susan Heid. This bundle is available for just $7.40 (a savings of over 75%!) for one week only.

New Year's 149

New Year's Goals Motivation 2013 149

Family Balance Sheet

JANUARY 25, 2013

Once you have a gift budget for 2013 that you are comfortable with, divide that number by eleven. That final number will be your goal to save each month between now and November 25, 2013. In the comments, let us know if you worked on a 2013 Christmas Spending budget and calculated a monthly savings goal. How did you do?

Christmas 127

Christmas Club Goals Budgeting 127

Family Balance Sheet

JUNE 11, 2014

It happened in 2006 and again in late 2012 to early 2013. By summer 2013, our savings was at an uncomfortable level. Over our 14 years in business, we have had to rely on our savings a few times to help cover expenses during tough months.

Debt 100

Debt Emergency Fund Financial Goals Motivation 100

Family Balance Sheet

DECEMBER 21, 2012

I'll be back in 2013 with new content, new series ideas, and lots of money-saving tips. I'm taking some time off between Christmas and New Years. I've got my annual Top 10 post recaps planned for that week. Although, I'll probably still be lurking on Facebook. I'll see you in January! Thanks for reading. become a Twitter follower.

Family 100

Family New Year's January Christmas 100

Family Balance Sheet

NOVEMBER 26, 2014

In 2013, I had a year long series, Christmas Savings Club , to encourage everyone to set aside money each month for the holidays. We paid for many of our Christmas purchases on a credit card and then hustled in January 2013 to pay it off. The series was inspired by my own problem with not having enough cash at Christmas in 2012.

Christmas 235

Christmas Finds Part Time Thrift Stores 235

Family Balance Sheet

OCTOBER 25, 2012

I don't want to blindly gain 10 pounds, spend more money than we have budgeted, and head into 2013 without realizing how truly blessed I am. I want to avoid the over-whelming crowds, enjoy the festivities with my family and friends, and remember why my family and I celebrate the season. I'll be sharing my strategies over the next 8 weeks.

Holiday 147

Holiday Thanksgiving January Budgeting 147

Family Balance Sheet

APRIL 11, 2020

Finances after the Pandemic: We went through a rough time back in 2012/2013 and we wrote our Debt Freedom Plan as a result of it. We were bogged down in business debts back in 2012/2013 and our plan changed the direction of our life and thankfully, set us up in a good position financially. We’ll get through this crisis.

Budgeting 246

Budgeting Budget Family Debt 246

Family Balance Sheet

JULY 9, 2014

In 2013, our average monthly grocery spending was $635. Cutting cable is definitely a big step, but it you’re ready to take the leap, find out How We Watch Great TV Without Cable. Our savings: $55 a month or $660 a year.

Grocery Spending 242

Grocery Spending Financial Goals January Budgeting 242

Family Balance Sheet

AUGUST 12, 2022

This post was originally published in 2013. Be sure to check the comments for loads of tips and ideas for these egg & sausage burritos. In an effort to alleviate the morning rush, I make a big pan of these breakfast burritos for our freezer.

Burritos 130

Burritos Freezers Breakfast Recipes 130

Family Balance Sheet

JUNE 30, 2013

After running the Hershey Half Marathon for the last two years in October, I''m changing things up a bit in 2013 and trying a new race. I like a challenge, so I''m heading to Bethlehem, PA this October to run the Runner''s World Half Marathon. I''m looking forward to a new venue, a new course, and a new goal.

Goals 100

Goals October Hersheys 2013 100

Family Balance Sheet

APRIL 9, 2021

Listed below is our original debt freedom plan that we wrote back in 2013. Our Debt Freedom Plan – written in 2013. Our plan gave us clarity and direction, and instead of spreading ourselves too thin and trying to do everything at once, we focused on one step at a time. A lot has changed since we wrote this plan. DONE 2014.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Family Balance Sheet

NOVEMBER 25, 2013

We were going to save for a cash Christmas in 2013 and the Christmas Savings Club was born. This idea came to me last January when I received our credit card statement in the mail that had all of our Christmas purchases on it. It was due on January 19 and I had had enough–no more ridiculous credit card bills. We had yard sales.

Club 100

Club November Christmas Credit Cards 100

Family Balance Sheet

JANUARY 17, 2012

Our goal is to get there by Fall 2012 or Spring 2013. And since neither my husband or I have been there we have no idea what to plan, how much to save, where to stay, or when to take the trip. We're utterly clueless.

Disney 157

Disney Disney World Financial Goals Vacation 157

Family Balance Sheet

NOVEMBER 30, 2014

I really wanted to reduce our grocery spending for my family of 4 from the average of $634 a month in 2013 to a budget of $450 a month in 2014. Back in January I introduced the 2014 Grocery Budget Challenge. It was a bold goal to reduce our spending by so much and I knew I would have to be very diligent with my meal planning.

Budgeting 124

Budgeting Budget Groceries Grocery 124

Family Balance Sheet

AUGUST 21, 2020

Back in 2012/2013, we added new loans from a real estate purchase and spent the next 7 years paying off our non-mortgage debt. Personally, our goal is to OWN more than we OWE and to eventually OWE zero. It might be scary to think about, but once you know these numbers, you then can come up with a plan to move forward.

Family 241

Family Debt Finance Kids and Family 241

Family Balance Sheet

MARCH 13, 2015

We went out to dinner to our favorite seafood restaurant with a gift card that we received for Christmas in 2013! This Week’s Dinners: Saturday: Our girls had a Girl Scout sleepover, so my husband and I had a date night. I’m not sure what took us so long. Sunday: Freezer leftovers.

Budgeting 100

Budgeting Budget Leftovers Freezers 100

Family Balance Sheet

JANUARY 26, 2016

It has been my obsession goal since we found ourselves in a dicey situation back in August 2013. Between 2013 – 2015, we whittled that down and as of today we have just two loans left. As God is my witness, it WILL be the year that we pay off the last of our non-mortgage debt.

Financial Goals 100

Financial Goals Goals 2016 Debt 100

Family Balance Sheet

MARCH 9, 2018

There was a month in 2013 where I hadn’t planned on a large property tax bill and I wasn’t sure where we were going to find the money. I found a lot of printable (pdf) budgets, but couldn’t find a spreadsheet that I liked. I created a Monthly Budget spreadsheet , because I like formulas.

Budgeting 160

Budgeting Budget Family Property Taxes 160

Family Balance Sheet

JUNE 1, 2013

It''s going to be busy around here, but I''m really excited about the summer of 2013! I''ll start working with the designer this month and hopefully I''ll have the redesign complete by the end of summer. What are your plans for the summer? Let us know in the comments. Thanks for reading. become a fan and ''like'' FBS on Facebook.

Family 113

Family Kids and Family Ovens Work From Home 113

Family Balance Sheet

MAY 21, 2021

Our journey to debt freedom started back in 2013 when we found ourselves saddled with business and student loans. It took us years to pay it all off, but we achieved it in 2019. I celebrated my 50th birthday month by sending in the very last payment.

Debt 130

Debt Goals Debt Free Pay Off Debt 130

Family Balance Sheet

OCTOBER 18, 2019

In 2013, we took a controversial step and stopped contributing to our retirement plans, so we could focus on steps 2-4. The good news is that the consistency my husband and I both had prior to 2013 allowed us to build a decent amount in our retirement. 7 – Increase retirement contributions to at least 15% of gross income.

Debt 100

Debt 2019 Financial Goals Emergency Fund 100

Family Balance Sheet

JANUARY 10, 2014

In fact, when I looked back on our spending in 2013, I was surprised at how much we spent on groceries–about $7600 for the year or $634 a month for my family of four. Would you like to reduce your grocery spending? Are you an impulsive grocery shopper? The grocery bill can get out of control for me if I’m not careful.

Budgeting 174

Budgeting Budget Groceries Grocery 174

Family Balance Sheet

JANUARY 10, 2013

One of my goals for Family Balance Sheet for 2013, is to get back to posting more money saving tips to help my readers (and myself) reduce our grocery bills.

Economical 100

Economical Money Saving Groceries Grocery 100

Family Balance Sheet

APRIL 25, 2013

On the 25th of every month from January to November in 2013, I''m holding a virtual meeting for the Christmas Savings Club. The goal for this monthly accountability meeting is to give updates on our progress, motivate one another and help all of us save for a cash Christmas. Today is the fourth meeting, but anyone can join at any time.

April 100

April Club Christmas Goals 100

Family Balance Sheet

MARCH 25, 2013

On the 25th of every month from January to November in 2013, I'm holding a virtual meeting for the Christmas Savings Club. The goal for this monthly accountability meeting is to give updates on our progress, motivate one another and help all of us save for a cash Christmas. Today is the third meeting, but anyone can join at any time.

March 100

March Club Christmas Goals 100

Family Balance Sheet

MAY 21, 2013

2013 Patriot-News Artsfest - This juried arts festival runs May 25-27 over the Memorial Day weekend along the Susquehanna River in downtown Harrisburg. Date: June 20, 2013 from 10 am to 9 pm. The museum is housed in an 1899 Victoria fire house. Outdoor Festivals. Location: downtown Mechanicsburg. Admission: FREE.

Pennsylvania 133

Pennsylvania Museum Home and Garden Ranges 133

Family Balance Sheet

JULY 25, 2013

On the 25th of every month from January to November in 2013, I''m holding a virtual meeting for the Christmas Savings Club. Happy 5 months til Christmas! The goal for this monthly accountability meeting is to give updates on our progress, motivate one another, and help all of us save for a cash Christmas.

Club 100

Club Christmas July August 100

Family Balance Sheet

JUNE 25, 2013

On the 25th of every month from January to November in 2013, I''m holding a virtual meeting for the Christmas Savings Club. It''s not too late to start planning. We''ve been working towards a goal of a cash Christmas since January and it''s not too late for you to join in.

June 100

June Club Christmas Goals 100

Family Balance Sheet

MAY 25, 2013

On the 25th of every month from January to November in 2013, I''m holding a virtual meeting for the Christmas Savings Club. The goal for this monthly accountability meeting is to give updates on our progress, motivate one another and help all of us save for a cash Christmas. Today is the fifth meeting, but you can join us at any time.

Club 100

Club Christmas May Goals 100

Family Balance Sheet

JANUARY 5, 2015

In 2013, The Christmas Savings Club encouraged all of us to save monthly so that we could have a cash Christmas. For the past two years, I have held monthly accountability challenges on the blog.

Thrifting 100

Thrifting 2015 Thrift Stores Buying Second-Hand 100

Family Balance Sheet

AUGUST 28, 2013

On the 25th of every month from January to November in 2013, I''m holding a virtual meeting for the Christmas Savings Club. Happy 4 months til Christmas! The goal for this monthly accountability meeting is to give updates on our progress, motivate one another, and help all of us save for a cash Christmas.

August 100

August Club Christmas Goals 100

Family Balance Sheet

JANUARY 5, 2019

However, I ran a half marathon in less than 2 hours once back in 2013 with a time of 1:57. I ran my 10th half marathon in 2018 and have 2 more races planned for 2019. My average time for half marathons is about 2:05. It’s been a few years and I’m no spring chicken anymore. In fact, I turn 50 in 2019.

2019 100

2019 Recycle Recycled Recycling 100

Family Balance Sheet

JANUARY 3, 2012

We want to go to Walt Disney World in the fall of 2012 or spring of 2013. Our first decision is how much do we want to save for each of the girls and then we'll go from there. Save for a Walt Disney World Vacation. I have never been there and neither has my husband so we have no idea what to expect or even how to plan.

Financial Goals 127

Financial Goals Goals 2012 Emergency Fund 127