Penny Pinchin' Mom

DECEMBER 17, 2023

Advantages of Paying Off Debt From a purely financial point of view, it makes more sense to focus on debt payoff rather than directing available cash to a savings account. Say for example, if I put $500 away this month but still had $9,000 in debt, I would immediately think, I potentially only owe $8,500 but have $0 in savings.

Pay Off Debt 52

Pay Off Debt Debt Emergency Fund Financial Goals 52

Prairie Eco-Thrifter

APRIL 10, 2013

Strategy: Use Your Credit Card. While it can’t be helped with the mortgage payment, and while I have the car and student loan payments deducted from my checking account, there are some smaller, recurring expenses that can be charged to a credit card and then discharged once a month. Should You Use Automatic Bill Pay?

Bills 271

Bills Credit Cards Finance Credit 271

Family Balance Sheet

OCTOBER 15, 2021

Side Note #1: I do not advocate the use of credit cards unless you are able to pay off the balance every month so as not to incur fees and charges. To take advantage of the bonuses, you must link your eligible 529 College Savings Account. It’s FREE! Sign up for Upromise HERE! Currently, you will receive a $5.29

College 130

College Used 2020 Saving 130

Koupon Karen

JANUARY 15, 2024

Lines Of Credit: These offer a pool of funds that you can draw from as needed. Merchant Cash Advances: These provide an advance against future credit card sales. For example, if expanding into a new market, this goal dictates your borrowing needs. Understand Your Needs: Identify the specific purpose of the loan.

Family 52

Family Finance Debt Monitors 52

Penny Pinchin' Mom

FEBRUARY 16, 2024

For example, if you want to buy a car worth $20,000, you could decide to save $1,000 a month for 20 months or $5,000 a month for four months. Use Cash Every time you use your credit card, you are paying interest on that purchase. Spending hard cash is much harder than swiping your credit card. It may even motivate you!

Cars 52

Cars Car Bank Banking 52

Penny Pinchin' Mom

MARCH 11, 2024

So I would suggest using this method until you have your spending habits under control, and then you can go back to the credit cards. The idea is this: Get 100 envelopes Label them #1-#100 Put cash in the envelopes in correspondence with the number For example, on day one, in envelope #1, put in $1. Limit the amount you use every week.

Saving Money 52

Saving Money Money Saving Credit Cards 52

Savings Corner

APRIL 4, 2024

Lenders set their own qualifications for business loans, including time in business, personal and business credit score, annual revenue and collateral. You’ll also need to make sure that you meet the lender’s requirements for credit score, time in business and cash flow, ensuring that your business can easily handle loan repayments.

Bank 40

Bank Banking Credit Finance 40

Savings Corner

DECEMBER 24, 2023

Working to improve your credit score and reduce your debt-to-income ratio before applying can help get you the best loan terms. You can get a personal loan from online lenders, banks and credit unions, and the funds are provided in a lump sum. Personal loans have advantages and drawbacks. You will also start to repay the money.

Debt 52

Debt Credit Cards Credit College Tuition 52

Savings Corner

APRIL 4, 2024

The amount you can borrow with a home equity loan is based on the current market value of your home, the size of your mortgage and personal financials like your credit score and income. The interest rate you receive on a home equity loan (as with other loans) will vary depending on your lender, credit score, income and other factors.

Home 52

Home Debt Credit Cards Credit 52

Prairie Eco-Thrifter

FEBRUARY 3, 2016

Set an example of living below your means. No, we won’t put that on the credit card and pay for it later. take an hour and together work through some compound interest examples – on paper, so he or she can see how the interest makes the money grow. Teach them to take advantage of the time value of saving.

Work 100

Work Kids Bank Banking 100

Savings Corner

DECEMBER 24, 2023

These low-down payment loans include the: Conventional 97 mortgage: This conventional loan, backed by government-sponsored enterprises (GSEs) Fannie Mae and Freddie Mac, requires just 3 percent down and a minimum credit score of 620. They might have other qualifying criteria, too, like a minimum credit score and maximum home purchase price.

Insurance 52

Insurance Finance Home Education 52

Prairie Eco-Thrifter

APRIL 5, 2011

For those of you just tuning in, here is the background to this topic: One of the things that I am really passionate about is setting a good example for the next generation. Treat credit wisely. But keeping a credit card balance or other high interest consumer debt should be avoided at all costs.

Money 133

Money Personal Finance Finance Debt 133

Couponing 101

JUNE 2, 2019

Some examples are Organic Valley, Horizon Organic, Stonyfield, and Annie’s. Late July is a great example. Also, take advantage of their club cards. 05 bag credits as well. Another way to get organic coupons is to check the company site for printable coupons. Ask your store if they double and the terms of doing so.

Organic 89

Organic Organization Food Whole Foods 89

Prairie Eco-Thrifter

JANUARY 27, 2014

My favourite example of this is the Betterment platform. There are some obvious advantages to this option. Check out his review of Prosper Loans and his comparison of the best gas credit cards , as well as other quality financial advice. You’ll have to choose from one of the options that the company you work with has.

Money 182

Money Goals Credit Cards Rewards 182

Savings Corner

DECEMBER 27, 2023

Top balance transfer credit cards BankAmericard® credit card: 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account. Read our review of the BankAmericard® credit card. Keep in mind that these are not the only good options in each category.

Credit Cards 52

Credit Cards Credit December Airline 52

Coupons Do Work

SEPTEMBER 15, 2016

For example, I went to University of Western Ontario in London, Ontario, Canada for a year. For example , the Boston Museum of Fine Art and the Philadelphia Museum of Art. Also, Amazon rewards you with a $10 credit for every friend that you refer to this program. Why pay for entertainment when you can get it free?

Student 100

Student College Freebies Insurance 100

For the Mommas

DECEMBER 19, 2015

Shopping early gives you an advantage because you have more time to look for the best deals. Take Advantage of Member Offers. Many stores offer their customers special deals if they use their store credit card. For example, some stores may offer 25% off. All it takes are a few simple tips and a bit of time.

Budgeting 40

Budgeting Budget Christmas Gifts 40

Savings Corner

DECEMBER 23, 2023

Benefits of Life Insurance for Entrepreneurs and their Families Integrating life insurance into your business plan can provide a multitude of advantages for both you and your family. Take Mike Jaap , for example, who used the cash value in his policy to keep his small business afloat during the economic crisis in 2008.

Life Insurance 52

Life Insurance Insurance Debt College Tuition 52

Prairie Eco-Thrifter

AUGUST 18, 2011

For example, even if they do not require it, they may ask for the driver’s financial records to see if they can bear the expenses for any repairs to be made (if any) in an accident if they are found guilty. Additionally, it is an added advantage for the car owner to possess a good driving record. under the same insurance company.

Insurance 179

Insurance Saving Money Cars Car 179

Couponing 101

JANUARY 11, 2019

but there may be ways to save that you aren’t taking advantage of. For example, let’s say I need laundry detergent. For example, if you have a promo code for 20% off toilet paper, use it on your initial order for 20% off plus the 5% subscribe-and-save discount. Pro tip: this also applies to the in-store Starbucks!

Saving Money 71

Saving Money Money Target Shopping 71

Prairie Eco-Thrifter

JANUARY 10, 2017

My grandchildren’s other set of grandparents are just one example. Eventually they did a short sale to get out from under the mortgage, moved to the mid-West to take advantage of nearness of family and lower living costs and she took jobs as waitresses. During the long 7 years since the crisis, many people lost jobs and houses.

Spendthrift 100

Spendthrift Economical Consumer Recession 100

Prairie Eco-Thrifter

JULY 6, 2014

Everyone says don’t get the insurance, that your own car insurance (or perhaps your credit card) will cover you. Budget, for example, has the following options that can be added: GPS ($5.49 Take advantage of that walk around, even if you are in a hurry. Really think about the extra insurance. Kid seats ($13.00

Rental Car 167

Rental Car Cars Car Rent 167

Prairie Eco-Thrifter

SEPTEMBER 28, 2015

For example, this week, I’m kidsitting my 11 and 8 year old grandkids at their house – getting them on and off the school bus, fixing dinner, helping with homework, playing with them and etc – while the parents are away on a much deserved adult only trip. Grandparents, obviously, would have the benefit of extra income.

Parenting 100

Parenting Watches Grandkids Kids 100

Prairie Eco-Thrifter

OCTOBER 21, 2012

We take advantage of anything we can get if it is free or cheap, but do we need to? When you can’t fit all your investments into tax advantaged accounts, which investments should be given priority: stocks or bonds?” ” Jacob from Dwindling Debt asks Do Overdraft Chargers Affect Your Credit.

Personal Finance 219

Personal Finance Finance Debt Money 219

Prairie Eco-Thrifter

MAY 29, 2013

For those who prefer to pay with cash and avoid the credit card debt cycle altogether, building a solid credit history and high FICO score can be a challenge – but it doesn’t have to be. Only a small portion of your FICO score is based on having and using revolving credit. Where Credit Scores Come From. Payments – 35%.

Credit Cards 234

Credit Cards Credit Building Rent 234

Saving Everyday

OCTOBER 3, 2023

We usually go with one empty credit card, put everything on that ONE card so it’s easy to keep track of, and try our best not to go over our spending goal. For example, when renting cabins, we spend most of the time there and cook most of our meals. Businesses are more likely to issue discounts and coupons to fill empty rooms.

Saving Money 52

Saving Money Money Travel Hotel 52

Saving Cents With Sense

OCTOBER 22, 2015

Only give your social security number out when absolutely necessary, and take the proper steps to ensure it’s not spread to inappropriate channels or people who will take advantage of the information. For example, if you are filling out a rental application, you will notice that you are asked to include your SSN and bank account information.

Identity Theft 40

Identity Theft Shredders Credit Credit Cards 40

Couponing 101

JANUARY 11, 2019

but there may be ways to save that you aren’t taking advantage of. For example, let’s say I need laundry detergent. For example, if you have a promo code for 20% off toilet paper, use it on your initial order for 20% off plus the 5% subscribe-and-save discount. Pro tip: this also applies to the in-store Starbucks!

Saving Money 40

Saving Money Money Target Shopping 40

Prairie Eco-Thrifter

JANUARY 14, 2012

Since there seems to be so much in the news lately about credit cards- the good ones, the bad ones, the ugly ones, the fee free ones, the reward ones, the secured ones, etc. I figured I would talk about credit cards as today’s theme. Funancials : Should I Cancel My Credit Card? Take a moment to watch them. Wait, what?

Credit Cards 220

Credit Cards Credit Finance Personal Finance 220

Prairie Eco-Thrifter

OCTOBER 15, 2011

Your Finances Simplified: Tips on How you Can Improve Your Credit Score Piecing together clues from myfico.com and a lot of other resources, listed here are the top tips available for improving your credit score today. Money Reasons: Why I Got An American Express Blue Cash Card MR loves reward credit cards.

October 200

October 2011 Finance Personal Finance 200

Prairie Eco-Thrifter

APRIL 6, 2012

Teacher Man presents Why Credit Cards Are Dangerous For Students posted at My University Money , saying, “I am on the record as having said that I believe students should sign up for credit cards. Theres a reason why the average amount of credit card debt per household is $15,956. ” Investing.

Money 133

Money Finance Personal Finance Real Estate 133

For the Mommas

FEBRUARY 4, 2016

Along the top type out the name of your chocolates, for example you could name the chocolates after your sweetie, like Tony’s Chocolates. In fact, being on a budget can be used to your advantage on this romantic holiday. You will also need access to a word processing program and some red and white tissue paper.

Budgeting 40

Budgeting Budget Chocolate Homemade 40

Savings Corner

APRIL 4, 2024

Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. Examples include storm shutters and doors that are designed to withstand projectiles. Due to Citizens’ 6.4

Insurance 52

Insurance Florida 2002 Home 52

Prairie Eco-Thrifter

NOVEMBER 12, 2011

– A down to earth outline to what I see as the advantages and disadvantages of a cooperative education, and to argue that one doesn’t need take a cooperative education to be successful. He discusses income beneficiaries, remainder beneficiaries and provides and example of the use of a dynasty trust.

November 188

November 2011 Personal Finance Finance 188

Family Balance Sheet

JULY 2, 2015

We used my husband’s gifts for architecture, design, and carpentry to our advantage. We rarely use a credit card and if we do, we pay it off right away. Instead of buying gifts, for example, we may take our kids out for dinner, to a movie, or on a trip.We Creativity. Minimalism. We really started looking at minimalism.

Student 100

Student Debt Debt Free Finds 100

Savings Corner

DECEMBER 25, 2023

For example, language teachers and stock-picking advice may use this model. Write an e-book Writing an e-book can be a good opportunity to take advantage of the low cost of publishing and even leverage the worldwide distribution of Amazon to get your book seen by potentially millions of would-be buyers.

Money 52

Money Making Real Estate Rent 52

Family Balance Sheet

MARCH 15, 2017

For example, at that time, maternity was not included in any individual plan. We did take advantage of one benefit of a high deductible health plan: a Health Savings Account. Title Image credit. We quickly learned that everything changes when you leave the group health insurance market and enter the individual market.

Health Insurance 100

Health Insurance Insurance Health 2003 100