Koupon Karen

JANUARY 15, 2024

Cash Flow And Debt Management: Such loans can also ensure smooth operations during cash flow challenges and consolidate high-interest debts, simplifying management and potentially saving money. By following these strategies, you can maximize the advantages of business financing and drive your enterprise toward success.

Family 52

Family Finance Debt Monitors 52

Savings Corner

DECEMBER 24, 2023

Key takeaways A personal loan is money you can borrow to finance large purchases, consolidate debt, invest in yourself or cover emergency expenses. Working to improve your credit score and reduce your debt-to-income ratio before applying can help get you the best loan terms. Personal loans have advantages and drawbacks.

Debt 52

Debt Credit Cards Credit College Tuition 52

Family Balance Sheet

JULY 2, 2015

Today’s Debt Free Story is from Acadia. My husband works as an architect and I teach art part time at my son’s school. How much debt did you pay off? What kind of debt was it? All of our debt was $97,000 in student loan debt. We ended up buying a house from a relative, which put us in even more debt.

Student 100

Student Debt Debt Free Finds 100

Savings Corner

DECEMBER 24, 2023

Debt reduction – How much do you need to pay down and how can you do it? Debt reduction If you’ve piled on too much debt, a financial plan can help you devise a way to get out from under it. Whichever way you go, this kind of plan helps you get out of the habits that are piling you under debt.

Goals 52

Goals Debt Taxes Insurance 52

Savings Corner

DECEMBER 23, 2023

All your hard work has finally paid off, and you’ve been rewarded with that sweet certificate. So be sure to take advantage of it when you receive your new employee paperwork and assign the appropriate beneficiary. Getting life insurance as a recent graduate may present you with several advantages. First of all, congratulations!

Life Insurance 52

Life Insurance Insurance Graduation Financial Goals 52

Savings Corner

APRIL 4, 2024

Key takeaways A home equity loan allows you to borrow a lump sum against your home’s equity, usually at a fixed interest rate that’s lower than other forms of consumer debt. While high compared to their average of six percent in 2022, that’s significantly lower than other forms of consumer debt. How does a home equity loan work?

Home 52

Home Debt Credit Cards Credit 52

Prairie Eco-Thrifter

AUGUST 12, 2013

Saving up this chunk of change can take a long period of time, especially if you have a high expense to income ratio, which many people do (especially if you’re paying down debt). . Revel in the fact that with every payment you make to your retirement savings account, your days slaving away at work in a dead end job dwindle.

Emergency Fund 200

Emergency Fund Debt Goals Money 200

Prairie Eco-Thrifter

NOVEMBER 25, 2012

We read that we should make our money work for us but worry about making a wrong decision that could actually cost money rather than make us money. In this article we will look at the pros and cons of saving and investing, as well as reducing debt, as a means of gaining financial security. What About Debt? What Should You Do? .

Money 189

Money Debt Refinancing Credit Cards 189

The Frugal Girl

FEBRUARY 18, 2024

Another big win would be taking advantage of our great public library system. The first few years after graduating, I racked up a large credit card debt and bought a new SUV that cost approximately the same as my annual salary. It worked, but only created about 1/3 of a new stick! helping out 7.

Kids and Family 184

Kids and Family Home and Garden Money Frugal 184

Savings Corner

DECEMBER 25, 2023

How a HELOC works A HELOC works similarly to a credit card: you’re able to borrow up to a certain limit as needed, rather than taking out a lump sum all at once. The best rates are also typically reserved for borrowers with excellent credit scores and low amounts of existing debt.

Credit Cards 52

Credit Cards Credit Re-use Home 52

Savings Corner

APRIL 4, 2024

This can help you keep your monthly payments down and avoid unnecessary debt and interest. If you qualify for the best rates, a HELOC can be a less expensive way to consolidate debt or finance a home renovation. You can only take the deduction up to a certain threshold, however, based on your total mortgage debt.

Credit 40

Credit Home Debt College Tuition 40

Savings Corner

APRIL 4, 2024

To find out whether your business can afford a loan, many lenders will use something called a debt service coverage ratio (DSCR). DSCR = annual net operating income / total annual debt, including principal and interest Many lenders won’t consider any business with a DSCR below 1.25, and the higher the number, the stronger you look. .

Bank 40

Bank Banking Credit Finance 40

Prairie Eco-Thrifter

JULY 4, 2011

They are also there working with you to help you reach your goals; even those financial goals. Philip from Deliver Away Debt shares his story: How I Delivered Away My Debt. mbhunter from Mighty Bargain Hunter asks Are you contributing to this debt clock? A Reverse mortgages has both advantages & disadvantages.&#.

Personal Finance 240

Personal Finance Finance Family Debt 240

Prairie Eco-Thrifter

JANUARY 1, 2013

How long could you manage if you were out of work, based on your current financial situation? If you are finding it hard financially now, imagine what would happen if you lost your job or couldn’t work for an extended period? I like the snowball effect method of debt reduction because it worked for me.

Emergency Fund 272

Emergency Fund Credit Cards Personal Finance Finance 272

Prairie Eco-Thrifter

MAY 10, 2012

’ Financial Planning Ashley presents Should I Get Married with Debt? The best part is, people interested in your work will pay you for rights to your photo. Income MMD presents What Did You Learn From Working as a Teenager? posted at Money Talks Coaching , saying, “Money and marriage. Readon for some great bonuses.

Money 113

Money May 2012 Debt 113

Family Balance Sheet

JANUARY 3, 2012

Four hours of uninterrupted time is a luxury, so we took advantage of it. We are still working through some numbers and there might be some adjustments in the timelines we have given ourselves, but these are our financial priorities for 2012. Increase our Monthly Debt Payment. The bad news is that we have a lot of work to do.

Financial Goals 127

Financial Goals Goals 2012 Emergency Fund 127

Prairie Eco-Thrifter

JULY 8, 2013

This is at a time when I was struggling with paying my tuition, my rent, groceries, gas, and insurance, and was in a lot of credit card debt , so every penny counted back then and that $20 leaving my wallet felt like a lot more. But aside from the fact that your money is worth asking (you work hard for it!), At least bring it up.

Money 264

Money Credit Cards Credit Advantage 264

Prairie Eco-Thrifter

APRIL 5, 2011

Many of them don’t have to work hard for what they have and so they haven’t developed an appreciation and respect for money earned. It’s ok to obtain a controlled amount of debt for your education or your first house. 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

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? Kristen from My Dollar Plan reminds us Why You Should Tell Your Family About Your Debt. When you can’t fit all your investments into tax advantaged accounts, which investments should be given priority: stocks or bonds?”

Personal Finance 219

Personal Finance Finance Debt Money 219

Prairie Eco-Thrifter

JUNE 4, 2012

Stay with me here – I’m very concerned about my child’s future, especially in these debt-ridden times of financial uncertainty. But it hadn’t occurred to me that life insurance might help pay for college, allow him to stay debt-free himself, or give him opportunities I never even dreamed of. The little things really do add up.

Life Insurance 187

Life Insurance Insurance Debt Money 187

Prairie Eco-Thrifter

OCTOBER 15, 2011

Good Financial Cents: What to Watch For With Debt Settlement Companies Considering using a debt settlement company? Here’s some tips to be wary of when trying to consolidate your debt. Why Do You Need One and How Does it Work? Deliver Away Debt: What Is Quantitative Easing and Why Won’t It Stop?

October 200

October 2011 Finance Personal Finance 200

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.

Debt 100

Debt 2017 Student 2016 100

Prairie Eco-Thrifter

SEPTEMBER 15, 2014

If you are working at becoming a millionaire, perhaps you dream about the mansion you will buy and the servants you will have, the vacations you will take and the interests you will pursue. You still want to do your best at work. Some might find it surprising that a millionaire would want to keep working.

Money 247

Money Grandchildren Thrifty Job Loss 247

Savings Corner

FEBRUARY 2, 2024

Activating and tracking categories might be too much of a hassle for some students brand new to credit cards, but if you’re up for a little work, the rewards can be handsome. You’ll get a card with your name on it that you can use for purchases, but your parent is legally responsible for the debt. Read our review.

Credit Cards 52

Credit Cards Student Credit College 52

Prairie Eco-Thrifter

APRIL 6, 2012

David presents Wired Capital Markets posted at Wall Street History , saying, ” Looking into the workings of modern securities markets is like looking under the hood of a Prius hybrid car. Linsey presents How Do I Work from Home with No Skills? ” Managing Debt. Here are 5 steps to painlessly become debt free.

Money 133

Money Finance Personal Finance Real Estate 133

Savings Corner

APRIL 4, 2024

Steer clear of any lenders that push refinancing even if it isn’t financially advantageous for you. Bank 620 for conventional loans, 740 for jumbo loans 4.8 PenFed Credit Union 650 for conventional loans, 700 for jumbo loans, 620 for FHA loans 4.7 Rocket Mortgage 620 for conventional loans, 680 for jumbo loans, 580 for FHA and VA loans 4.6

Refinancing 40

Refinancing Bank Banking Credit 40

The Frugal Girl

FEBRUARY 26, 2024

I currently work part-time from home, mostly behind a computer. I was always in debt, which has been a tremendous source of shame for me. I had to reduce, and for long stretches, stop work altogether so I could help her and be available to take her to appointments or pick her up from school when she was ill. I’m 52.

Daughter 130

Daughter Green And Frugal Money Grandmother 130

Prairie Eco-Thrifter

JUNE 28, 2012

This to me is proof that capitalism works and can withstand any kind of collapse. In my view there is likely to be a lot of pain in the global economy which is weighed down by huge amounts of debt at personal, business and government levels. It took a long time, but the world recovered and recovered very well.

Money 186

Money 2008 Bargain CD 186

Saving Cents With Sense

FEBRUARY 28, 2014

With PNC reporting that the average 20-something faces $45,000 in debt, and Generation Opportunity finding a 15.9 Your parents, especially if they are baby boomers, grew up in a vibrant economy that afforded them many advantages. According to the Consumer Financial Protection Bureau, student loan debt has surpassed $1 trillion.

Parenting 81

Parenting Economy Student Cars 81

Prairie Eco-Thrifter

JANUARY 10, 2017

She looked and looked for new work in her field, but just couldn’t land any of the few openings around. He was retired and unable to resume work. 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.

Spendthrift 100

Spendthrift Economical Consumer Recession 100

For the Mommas

DECEMBER 19, 2015

Shopping early gives you an advantage because you have more time to look for the best deals. Circle any items that would work for people on your list and hit the stores as soon as possible because sale items usually go quick. Take Advantage of Member Offers. In fact, you may end up buying the best gifts they receive this year.

Budgeting 40

Budgeting Budget Christmas Gifts 40

Prairie Eco-Thrifter

FEBRUARY 4, 2011

Punch Debt in the Face tells us why no spend challenges are for wussies. I think there are advantages to upgrading but I also think that starting fresh and right has its perks. Reducing Debt. Live Real, Now shares 5 strategies we can use to prevent debt burnout. If you ask me, always go for those who are fee for service.

January 113

January February Debt Personal Finance 113

Couponing 101

DECEMBER 26, 2011

Shopping a little bit at a time over the course of the year can be easier for some people than paying one lump sum at the end of the year (and potentially using credit cards and going into debt.) You also have the opportunity to take advantage of sales and deals all year long.

Christmas 80

Christmas Toys Gifts Bath and Body Works 80

Family Balance Sheet

JANUARY 17, 2018

2 Additional Goals: If we save the $10k early, we’d like to work on the following 2 goals. 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. You can read my original post: Our Debt Freedom Plan Begins. 2017 Update.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

Prairie Eco-Thrifter

AUGUST 22, 2011

Where I live we have an energy monopoly so this option doesn’t apply to me,but, if you have companies to choose from where you live, take advantage of it. I encourage you to take on this challenge and work to reduce your energy costs. 5 Ways to Reduce Your Debt. Pay by Direct Debit. 5 Ways to NOT Save Energy.

Bills 224

Bills Appliances Home and Garden Green 224

Prairie Eco-Thrifter

MAY 6, 2016

Author of Forbes article Why You Should Take Joel Greenblatt’s ‘Magic Formula’ Stocks Seriously , Charles Sizemore thinks it works, others don’t. However, while I worked, I also used this method to better advantage. Greenblatt maintains a web site Magicformulainvesting.com.

401K 100

401K Money Emergency Fund Goals 100

Couponing 101

JANUARY 4, 2011

Shopping a little bit at a time over the course of the year can be easier for some people than paying one lump sum at the end of the year (and potentially using credit cards and going into debt.) You also have the opportunity to take advantage of sales and deals all year long.

Saving Money 74

Saving Money Christmas Money Bath and Body Works 74