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.

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Debt 2017 Student 2016 100

Family Balance Sheet

DECEMBER 10, 2014

Today’s Debt Free Story is from Carrie. Yep, we’re newlyweds and eloped together in December 2013. 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. Where are you from?

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Debt Debt Free Financial Goals Goals 227

Family Balance Sheet

FEBRUARY 23, 2016

Are you ready to crush debt this year? We’re going to give it everything we’ve got and hopefully pay off the last of our non-mortgage debt by the end of this year. It will be quite a feat because by my calculations we’ll be short each month if we just apply our debt snowball payment. Stretch yourself.

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Debt Goals 2016 Calculators 100

Family Balance Sheet

AUGUST 21, 2020

Debts still need to be paid, cars will need new parts, homes will need to be repaired, and kids will need braces. My husband’s brain likes to see everything written down on one page, so I developed that first spreadsheet to list all of our accounts and all of our debts. How do your assets stack up against your liabilities/debts?

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Family Debt Finance Kids and Family 241

Family Balance Sheet

JUNE 11, 2014

Back in March I wrote about my family’s Debt Freedom Plan. It happened in 2006 and again in late 2012 to early 2013. By summer 2013, our savings was at an uncomfortable level. But reaching #2 has given us new motivation to keep plowing away at our business and our Debt Freedom Plan. Let us know in the comments.

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Debt Emergency Fund Financial Goals Motivation 100

Family Balance Sheet

SEPTEMBER 19, 2014

Instead, we’ll start the new year off right because we celebrated a debt free Christmas. 2 Ways to Prepare for a Debt Free Christmas. If you remember your 2013 holiday purchases, enter them in the two far right columns. Create a Budget.

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Debt Free Debt Christmas Budgeting 100

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.

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Budget Budgeting Family Debt 246

Family Balance Sheet

JANUARY 17, 2018

This is our very last non-mortgage loan and we send an extra payment every month as part of our Debt Freedom Plan. I’ll apply that money to the debt. Our Debt Freedom Plan (an update): In 2013, we found ourselves with a lot of debt and not enough cash flow. Read all of the updates: Our original Debt Freedom Plan.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

Family Balance Sheet

JANUARY 8, 2020

My word was REDUCE: Non-mortgage debt to zero. There were hits and misses on this list, and many are things that I will continue to work on, but let’s recap: 1 – Reduce non-mortgage debt to zero. We’ve been working since 2013 to pay off a boat load of non-mortgage debt. distractions/social media time.

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Financial Goals Goals 2020 2019 130

Family Balance Sheet

SEPTEMBER 21, 2015

August 2013 was a month that I’d like to wipe from my memory. We carried no credit card debt and we contributed to our retirement. 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. Stay positive.

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Finance Debt August 2013 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. Finalizing your 2013 goals?

Emergency Fund 193

Emergency Fund Debt Student Fridays 193

Family Balance Sheet

FEBRUARY 4, 2015

Today’s Debt Free Story is from Shannon. How much debt did you pay off? What kind of debt was it? As many students do these days, we had tens of thousands of dollars of debt by the time we graduated with our Masters degrees. At the point when we finally got serious about paying off our debt we had $22,047 left.

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Debt Free Debt Financial Goals Budgeting 100

Family Balance Sheet

JANUARY 26, 2016

As God is my witness, it WILL be the year that we pay off the last of our non-mortgage debt. It has been my obsession goal since we found ourselves in a dicey situation back in August 2013. At the time, we had 4 business loans and 1 student loan that were weighing on us, so we created our Debt Freedom Plan.

Financial Goals 100

Financial Goals Goals 2016 Debt 100

Prairie Eco-Thrifter

NOVEMBER 6, 2013

An August 2013 issue of Daily Finance, in an article entitled Credit Card Debt Falling But Still Very High reported: “According to data from the Federal Reserve, as of July 2013, the average indebted household in the U.S. Many of them have unpaid balances.

Credit Card Rewards 228

Credit Card Rewards Credit Cards Credit Rewards 228

Family Balance Sheet

FEBRUARY 2, 2017

They pay off mountains of debt and scream about debt freedom, or maybe they save gobs of money in a record amount of time, or they have considerable success with their new small business. Meet The Achievers: Deacon and his wife paid off $52,000 in debt in 18 months. His 2017 goal is to make $100,000 in online income.

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Financial Goals Goals Debt Budgeting 100

Family Balance Sheet

JUNE 4, 2015

However a few years ago, we found ourselves with too much debt and not enough cash. Within a year after settlement, we found ourselves with a lot of debt, not enough cash flow, and very little set aside for emergencies. I manage the finances for our business and our family and by August 2013, I felt the weight of the situation.

Goals 100

Goals Debt Renovation Daughter 100

Motherhood Moments

DECEMBER 12, 2022

I stumbled upon it,” says Knight, “and discovered that I was better at it than I thought I would be.” - Her debt to MTV. “I In 2013, Knight was inducted into the Songwriters Hall of Fame. . - How the inspiration to change her surname to Knight came to her in a dream, and how she became a songwriter. “I Thanks for reading!

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New York City Music TV shows Dallas 100

Family Balance Sheet

JANUARY 1, 2015

Most of them are related to our small business, my husband’s chiropractic office, but last January I got a bee in my bonnet about debt…thank you, Dave Ramsey. I tricked …nudged my husband into following along and together we wrote out our Debt Freedom Plan. Debt Free Stories. My Themes for 2015: 1.

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2015 Money Debt Home and Garden 100

The Frugal Girl

DECEMBER 11, 2023

My husband and I bought our first home in 2013 when interest rates and housing prices were pretty low. and realized we should pay off this debt as quickly as possible. Right now, we are also trying to save money so we can accomplish some projects around our property and fix some things around the house. for anyone curious ? )

Money 195

Money Kids and Family Frugal Parenting 195

Family Balance Sheet

JULY 9, 2014

When my husband and I wrote our Debt Freedom Plan earlier this year, we made a commitment to scrutinize our monthly expenses to find money to put towards our plan. In 2013, our average monthly grocery spending was $635. Are you looking for more ways to cut your monthly expenses? We want to have our cake and eat it too.

Grocery Spending 242

Grocery Spending Financial Goals January Budgeting 242

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. What would you do?

Debt 45

Debt Student Taxes January 45

Prairie Eco-Thrifter

DECEMBER 30, 2013

However, your New Year’s Resolutions should be about more than just generically “saving more”, “spending less”, or “paying down debt” What if you’ve been making solid progress in those areas? What if you are ready to take your finances to the next level?

Financial Goals 186

Financial Goals Goals Finance Money 186

Family Balance Sheet

JANUARY 3, 2012

Increase our Monthly Debt Payment. We have set a goal date of July 2015 to pay off all of our debt. We want to go to Walt Disney World in the fall of 2012 or spring of 2013. Our 2012 Financial Goals. Finish Will. No more excuses. Just get it done! This includes our mortgage and my husband's student loan.

Financial Goals 127

Financial Goals Goals 2012 Emergency Fund 127

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 Everyday

DECEMBER 28, 2012

Start 2013 on the right track!! LearnVest’s My Money Center will give you a snapshot of your overall finances, including your assets, debts, and net worth. LearnVest’s My Money Center will give you a snapshot of your overall finances, including your assets, debts, and net worth. Check out the Freebie Page for more!

Finance 45

Finance Budget Budgeting Tools 45

Saving Everyday

OCTOBER 8, 2013

Start 2013 on the right track!! LearnVest’s My Money Center will give you a snapshot of your overall finances, including your assets, debts, and net worth. As I mentioned in this post , tracking your spending it crucial for staying in control of your finances! I’ve used this for months and LOVE how easy and user-friendly it is!

Budgeting 45

Budgeting Budget Tools Finance 45

Prairie Eco-Thrifter

MAY 26, 2016

Although we think of the Great Recession starting in early 2009, it wasn’t until 2013 that the 5 year CD interest rate fell below 1% – and has stayed there ever since according to Bank Rates interest survey data. We could take on debt to grow using other people’s money.

Money 124

Money Saving Money Lowes Grandchildren 124

Prairie Eco-Thrifter

APRIL 17, 2015

The Atlantic’s article, Meet the New Middle Class: Who They Are, What They Want, and What They Fear , reported on a 2013 Allstate/National JournalHeartland Monitor Poll trying to get an answer to what is middle class? Do the Rich Use Debt Differently? Take a look. Are you middle class? What Are Your Priorities?

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

Saving Cents With Sense

MAY 26, 2014

Only 32 percent of Americans prepare a monthly budget, according to a Gallup poll taken in June 2013. Creating a short-term budget and long-term financial plan can not only help you get out of debt once and for all, but they can also guide you to economic independence and prosperity. Never Pass up Free Money.

Emergency Fund 71

Emergency Fund Goals 2008 Debt 71

Prairie Eco-Thrifter

MAY 10, 2012

’ 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? Do you have thousands of dollars worth of student loan debt and/or credit card debt?

Money 113

Money May 2012 Debt 113

For the Mommas

JANUARY 23, 2013

Saving more (52%), spending less (19%) and paying off debt (19%). Adrian Nazari, CEO and founder of CreditSesame.com , is available to talk about how consumers can start 2013 on the right financial foot, as well as discuss the top 3 financial resolutions and what consumers can do to address them including: Saving More.

Monitors 40

Monitors Credit Debt Consumer 40

Saving In Akron

OCTOBER 21, 2011

Below is a hot list of printable coupons for baby products brought to you by Crystal at Coupon Out of Debt. 1/1 Earth Mama Angel Baby Bottom Balm and other baby products, Earth Mama , Expires 12/31/2013. $2/1 2/1 Huggies Pull Up Training Pants ( Pull Ups printable ). 1 Pampers Baby Dry Diapers Box ( Kroger eCoupons ).

Baby 124

Baby Beech Nut 2011 Bricks 124

Family Balance Sheet

JANUARY 5, 2019

I want to reduce our debt by paying off our last non-mortgage loan. . However, I ran a half marathon in less than 2 hours once back in 2013 with a time of 1:57. My husband and I decided that every one in my family must pick a word. My word for 2019 is REDUCE. Our main financial goal is to pay off our last non-mortgage loan.

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2019 Recycle Recycled Recycling 100

Prairie Eco-Thrifter

JANUARY 10, 2017

percent compared with the July 2013 through June 2014 midyear average, the U.S. With interest rates so low, why not spend now, using debt, instead of waiting for inflation and higher interest rates to kick in and raise the price of goods and services. Bureau of Labor Statistics (BLS) reported today. ” The easy money effect.

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Spendthrift Economical Consumer Recession 100

Saving Cents With Sense

MARCH 25, 2013

Paying bills on time and managing debt are important steps to good credit. Contest Ends 3/28/2013. When you are looking to get a car, a house, home or school loads, or borrow money or any other reason, your credit score makes a huge impact. Legal regarding the contest: No purchase necessary. Void where prohibited. an Experian Company.

Credit 75

Credit Finds Making Contest 75

Prairie Eco-Thrifter

MAY 6, 2016

Unfortunately, I was doing this from 2010 through 2013, part of the longest bull run we’ve had in the US recently. It caught me by surprise that the stocks/mutual funds in which I invested while in the 401K could not be transferred in kind to my IRA. Instead, they had to be sold within the 401K and the proceeds reinvested in the IRA.

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401K Money Emergency Fund Goals 100