Saving Cents With Sense

JANUARY 1, 2015

Having money automatically go into your account will help you stick to your resolution and save for your future, such as an emergency fund, a child’s college education, or retirement. Don’t shop hungry and if your kids aren’t helpful with shopping, you may want to leave them at home so you can concentrate on getting the best deals.

New Year's 40

New Year's Saving Bills Emergency Fund 40

Family Balance Sheet

FEBRUARY 4, 2015

He now works as an architect, and I do some freelance from home now that we have kids. Luckily, even without misguided financial beliefs, we did pay off a significant portion of our debt before having kids. After we had kids, though, I stayed home, so we continued making the minimum payment for years.

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Family Balance Sheet

JANUARY 17, 2018

My kids tend to be dying of thirst when we’re standing in line at a store that conveniently has a display of over-priced refrigerated water at the check out line. We loosely based it on Dave Ramsey’s 7 Baby Step process, but modified it to address our needs. Save a starter Home Emergency Fund. 2017 Update.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

Family Balance Sheet

SEPTEMBER 29, 2016

Jeff plays hockey and badminton and we take turns running the kids to their figure skating lessons. We used (and currently still follow) Dave Ramsey’s Baby Steps. We are currently working towards fully funding our emergency fund. I’m a Grade 7 teacher and my husband is a Mac Tools distributor.

Debt 100

Debt Debt Free Budgeting Budget 100

Family Balance Sheet

JUNE 22, 2020

Overwhelmed with everything, I wrote our first Debt Freedom Plan based on Dave Ramey’s 7 Baby Step strategy but tailored to our lifestyle. This side hustle income was mainly used for the fun stuff, such as camping, home renovations & repairs, and needs for our kids. My kids are now almost 15 and 12 and eat as much as adults!

Debt 130

Debt Health Insurance Insurance Budgeting 130

Family Balance Sheet

MAY 27, 2015

I knew I was going to be a stay at home mom when we had kids and since we were both teachers, we simply could not afford for me to stay home, unless we got rid of something big in our budget. We did follow Dave Ramsey’s 7 Baby Steps to becoming debt free. We purposefully waited to have kids (4 years) until we felt financially sound.

Debt 100

Debt Debt Free Pay Off Debt Finds 100

Family Balance Sheet

AUGUST 11, 2014

I followed Dave Ramsey’s baby steps and did the Financial Peace University class twice, once at home last spring and I enrolled again at church this past spring to stay focused. Put your kids on commission & practice telling them no. Use cash system with envelopes for your over spending areas.

Debt Free 235

Debt Free Debt Mom Goals 235