Family Balance Sheet

JULY 9, 2014

We want to achieve our financial goals, but still enjoy life. In 2013, our average monthly grocery spending was $635. I knew I could do better, so in January 2014, I made a commitment to reduce our grocery spending, but not sacrifice the quality of food and meals that I fed my family. We want to have our cake and eat it too.

Grocery Spending 242

Grocery Spending Financial Goals January Budgeting 242

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. Our monthly goal is $100. On with the meeting.

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. My monthly goal is $100. On with the meeting.

March 100

March Club Christmas Goals 100

Family Balance Sheet

JUNE 25, 2013

We''ve been working towards a goal of a cash Christmas since January and it''s not too late for you to join in. On the 25th of every month from January to November in 2013, I''m holding a virtual meeting for the Christmas Savings Club. Our monthly goal for Christmas savings is $100. Can you believe it?

June 100

June Club Christmas Goals 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. One January, we received a very large credit card bill in the mail. Financial Goals – Use this spreadsheet to quantify your financial goals for the current year and years to come.

Budgeting 160

Budgeting Budget Family Property Taxes 160

Family Balance Sheet

NOVEMBER 30, 2014

Back in January I introduced the 2014 Grocery Budget Challenge. 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. 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

OCTOBER 18, 2019

A lot of life happened over 7 years and our plan changed slightly, but our goal remains to achieve complete freedom from debt. Our 2019 Financial Goal. After years of scrimping and saving and not spending extra money on things, we have achieved the biggest financial goal we have ever set for ourselves in our 19 years of marriage.

Debt 100

Debt 2019 Financial Goals Emergency Fund 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. Our monthly goal is $100. How did I do in May?

Club 100

Club Christmas May Goals 100

Family Balance Sheet

NOVEMBER 26, 2014

Our goal is to NOT put our Christmas purchases on a credit card. January will be one giant nightmare when the credit card bills start rolling in. Hopefully, that’s your goal too. In 2013, I had a year long series, Christmas Savings Club , to encourage everyone to set aside money each month for the holidays.

Christmas 235

Christmas Finds Part Time Thrift Stores 235

Nicoles Nickels

JANUARY 2, 2013

Lots of us make new-year’s resolutions but few of us succeed in obtaining those goals. that nearly 80% of all new-year’s resolutions are broken by the end of January? “These are great goals, but the key for lasting success is setting them the right way – with a balanced approach.”

Goals 63

Goals Contest January 2013 63

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. The Goal of the Grocery Budget Challenge is to keep our grocery spending in line and to be creative with our meal planning so that we aren’t over-spending.

Budgeting 174

Budgeting Budget Groceries Grocery 174

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. 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. Our monthly goal for Christmas savings is $100.

August 100

August Club Christmas Goals 100

Family Balance Sheet

JANUARY 17, 2018

Did you make 2018 financial goals ? My husband and I discussed some ideas over our holiday break and we decided on 2 solid must-achieve financial goals for the year. If we complete them early, we’ll move on to 2 additional goals that are on our radar. Our 2 Main Financial Goals for 2018: 1 – Finish the will.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

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. 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. Our monthly goal for Christmas savings is $100.

Club 100

Club Christmas July August 100

Family Balance Sheet

JANUARY 5, 2019

It’s been a trend every January and I’ve always found it interesting to read how other people have come up with their one word. Our main financial goal is to pay off our last non-mortgage loan. It was a goal in 2018, but high medical bills and other financial challenges hindered our progress. My word for 2019 is REDUCE.

2019 100

2019 Recycle Recycled Recycling 100

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. January & February 2020 – Life is good!

Debt 130

Debt Emergency Fund 2007 2020 130

Nicoles Nickels

JANUARY 27, 2013

The goal is to raise $100,000 for this wonderful organization. Help NIVEA reach its goal and share the word on this great program. January 11 th – March 31, 2013. See what’s in it for you below! Spend $10.00

Nivea 69

Nivea Herbal Essence Brother Sister 69

Family Balance Sheet

APRIL 9, 2021

Something happens mentally when you WRITE down your goals and plans for execution. Listed below is our original debt freedom plan that we wrote back in 2013. In January of 2020, we made summer plans (and bought airline tickets) to go see friends who moved to Europe. Our Debt Freedom Plan – written in 2013.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Family Balance Sheet

APRIL 11, 2020

This is not an elective, fun, no-spend month like what we did in January to find funds for our summer vacation. In January and February, my husband and I were contemplating replacing our 12.5 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.

Budgeting 246

Budgeting Budget Family Debt 246

Family Balance Sheet

AUGUST 4, 2014

We also were working on paying for Jon’s master’s degree and then my own masters degree, which I completed in December 2013. With tuition payments and debt payments we spent about $60,395 between January 2012 and March 2014 when we became completely debt free with two bachelor’s and two master’s degrees between us.

Debt Free 243

Debt Free Debt Goals Student 243

Family Balance Sheet

JANUARY 1, 2015

Every January 1, I get caught up in the hopeful feeling of the upcoming new year. My husband and I make some financial goals at the start of every year. 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.

2015 100

2015 Money Debt Home and Garden 100

Family Balance Sheet

JANUARY 8, 2020

ALSO our 2019 Financial Goal!). We’ve been working since 2013 to pay off a boat load of non-mortgage debt. I’ve writtien all about it over the years, and I decided on January 1, 2019, that this would be the year that we pay off the last remaining loan. This is a work in progress and I feel it will always by my goal.

Financial Goals 130

Financial Goals Goals 2020 2019 130

Saving Cents With Sense

JANUARY 10, 2013

Weight Watchers diet magazine is a helpful guide for every man and woman’s challenge to achieve their health and fitness goals. This Weight Watchers Magazine deal is only valid today January 10, 2013! About Weight Watchers magazine: The most practical weight-losing program has a practical magazine to match. All rights reserved.

Magazines 45

Magazines Goals Fitness January 45

For the Mommas

JANUARY 29, 2013

Magazine Deals for January 29th, 2013. Weight Watchers Magazine is the perfect companion for women or men who are dedicated to their health and fitness goals. Today only, subscribe to Weight Watchers Magazine for only $4.50 per year (67% off)! You can order up to 4 years at this price! Just enter coupon code COUPONTEACHER.

Magazines 45

Magazines Discount Menu Planning Menu Plans 45

Family Balance Sheet

FEBRUARY 4, 2015

In January 2013 there was a blog post on Keeper of the Home that first awakened me to the concept of living debt free. I finally got inspired that we should at least start working on this huge goal of being debt free when I read Dave Ramsey’s Total Money Makeover. If married, who initiated the debt free goal?

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Finally Frugal

SEPTEMBER 10, 2012

I was intending to pay down my loans to $20,000 by January 2013 (totally doable) and then use $20K of the stock to pay the rest of it, thereby retaining about $8K for future use (or if I needed it to pay taxes). Assuming, of course, that the stock market doesn't tank between now and January. What would you do?

Debt 45

Debt Student Taxes January 45

Finally Frugal

MAY 30, 2012

My goal is to pay my loans down to $20,000 by the end of the year (an ambitious goal, for sure) so in January I can sell my stock and pay it all off once and for all! My student loans are now down to $39,071 !!!! I started the year at around $49,300 so I think I'm doing well for being five months into the year. this CAN be done.

Debt 40

Debt Student TV shows Goals 40

Nicoles Nickels

JANUARY 4, 2012

Experience the physical and mental benefits of yoga with videos that are customized to your own fitness level and goals. Valid until January 3, 2013. Check out these 3 great deals at Mamasource for Weight Loss and Healthy Living: 6 Months of streaming custom Yoga videos for only $24, that’s a 50% savings!

Michael's 40

Michael's Fitness April Transportation 40

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. And we were on a roll in January 2016. Unfortunately, we did not hit that goal and in part, have made some major changes to our Debt Freedom Plan. We made a lot of changes since 2013. Retirement.

Debt 100

Debt 2017 Student 2016 100

Family Balance Sheet

FEBRUARY 7, 2014

2 Rotating Cleaning Checklists (not dated and January – December). 15 Month Calendar (15 pages) October 2013-December 2014 – vertical with plenty of room to put in a binder or planner. The Simplified Life Kit includes: 2 Budget + Bill Pay Checklists – one in turquoise + green and one in pink + purple.

Organic 100

Organic Organization Menu Planning Menu Plans 100

Family Balance Sheet

JANUARY 16, 2013

So on January 1, 2011, I made the bold goal to run my first half marathon that year. In 2012, I made the bold goal to run TWO half marathons. Now I'm gearing up for 2013. This year's goal is to improve my time and run in less than 2 hours. Several more months went by and I kept thinking about our conversation.

Goals 127

Goals October 2011 Sprint 127

Family Balance Sheet

OCTOBER 26, 2013

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. In years past, we used a credit card to purchase our gifts and paid the card off in January. How did you do in October to reach your savings goal?

Christmas 100

Christmas Club Finds October 100

Family Balance Sheet

AUGUST 11, 2014

The company I had worked at for 12 years when I started my journey in January 2013, announced it would be making significant job cuts summer 2013. Who initiated the debt free goal? I initiated the debt free goal. What are your financial goals now? I wish you luck with all of your goals in the future.

Debt Free 235

Debt Free Debt Mom Goals 235

Saving Cents With Sense

NOVEMBER 30, 2015

Channel Sound Bar with Wireless Subwoofer (Refurbished) (2013 Model). 6:25 pm EST: Franklin Sports NHL Chicago Blackhawks Mini Hockey Goal, Stick and Ball Set. 7:25 pm EST: Goalrilla Gamemaker Portable Soccer Goal. End Date: January 1, 2015. End Date: January 1, 2015. End Date: January 1, 2015.

2015 40

2015 Toys Shoes Car Audio and Video Accessories 40

For the Mommas

NOVEMBER 30, 2015

Channel Sound Bar with Wireless Subwoofer (Refurbished) (2013 Model). 6:25 pm EST: Franklin Sports NHL Chicago Blackhawks Mini Hockey Goal, Stick and Ball Set. 7:25 pm EST: Goalrilla Gamemaker Portable Soccer Goal. End Date: January 1, 2015. End Date: January 1, 2015. End Date: January 1, 2015.

Hasbro 40

Hasbro Car Audio and Video Accessories Car Audio and Electronics December 40