Family Balance Sheet

FEBRUARY 3, 2016

Today’s Debt Free Story is from Charissa. She helps readers gain control of their finances and live well on a budget at her blog Cook with a Shoe . I would say that this plan helped me more in the area of using a zero-based budget and sticking with a budget. My top tips to pay off your debt would be the following.

Debt 100

Debt Debt Free College Finds 100

Family Balance Sheet

APRIL 2, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. This money will be put in our Medical Out-of-Pocket budget category. Over the years, I have found money through rebates, refunds, online sales, and even the ground. Yep, I found a $20 bill while running on the beach!

March 130

March Money Donation Credit Cards 130

Family Balance Sheet

MARCH 5, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. Any money I earn from Ibotta goes back into my grocery budget. Over the years, I have found money through rebates, refunds, online sales, and even the ground. Yep, I found a $20 bill on a morning run at the beach!

February 257

February Money Airline Flights 257

Family Balance Sheet

NOVEMBER 5, 2014

We put any extra money that would come in toward our debt. What are your top 3 – 5 tips for saving money/pinching pennies to put towards paying off your debt. Make paying off debt a priority. Look over your current budget. Who initiated the debt free goal? Actually making a budget!

Debt Free 241

Debt Free Debt Emergency Fund Finance 241

Family Balance Sheet

MAY 27, 2015

There were two things that inspired us to pay off debt. 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. Extra money from budgeting wisely and spending less (specific tips below).

Debt 100

Debt Debt Free Pay Off Debt Finds 100

Family Balance Sheet

NOVEMBER 19, 2014

We ate at home a lot and watched our food budget carefully. We still allotted a lot of money for food, but we were careful not to go too far over budget. How often do you and your spouse discuss your finances/budget/spending? When something unexpected comes up we have another budget meeting. Paying off debt can be done!

Debt 245

Debt Debt Free Finance Friends And Family Sale 245

Family Balance Sheet

FEBRUARY 2, 2017

Each month when they do their budget, they update their chart. If your big dream requires money, start saving, begin to budget, and direct your money in a way that you will be ready for opportunity when it comes up. Related Reading: Check out Deacon’s free Starter Budget Form. Then create a plan to get there.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Family Balance Sheet

JUNE 22, 2020

Home and auto expenses are two big budget categories and by keeping these expenses low, we were able to put more aside to our debts. SMALL changes add up to BIG results: With our home, auto, and medical expenses low, we nickel and dimed the rest of our budget and found some extra funds each month to send to our debts.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Savings Corner

APRIL 4, 2024

Make sure to keep your credit score in the best shape possible and work on paying off debt to lower your debt-to-income ratio. The best ways to get a personal loan that suits your budget and goals are taking care of your financial health and shopping around to compare loan interest rates.

Debt 52

Debt Bank Banking Credit 52

Family Balance Sheet

SEPTEMBER 29, 2016

You can find Angela at her You Tube channel, Our Life…on a Budget , where she vlogs about getting out of debt and staying there! Angela & Jeff’s Debt Free Story. What are the top 3 – 5 ways you found money to put towards debt. The first thing we did was to review our spending and create a budget.

Debt 100

Debt Debt Free Budgeting Budget 100

Savings Corner

DECEMBER 24, 2023

Try adjusting the terms, loan types or rate until you find a debt consolidation plan that fits your goals and budget. Debt consolidation is the process of combining several debts into one new loan. The goal is to streamline payments, lower interest, and pay off debt more quickly.

Debt 52

Debt Calculators Credit Cards Credit 52

Family Balance Sheet

AUGUST 4, 2014

When Jon and I were married, we acknowledged that high paying careers were not on the docket for us, knowing that we wanted to have both comfortable and generous lives we decided that we would have to be incredibly diligent with our resources. The first step in this diligence was paying off debt.

Debt Free 243

Debt Free Debt Goals Student 243

Family Balance Sheet

JANUARY 20, 2017

When we added my grad school loans to our other debts and our regular. strict budget. towards our debt. Little by little, we paid off each loan before moving. towards debt. We committed to using a cash budget, and we talked daily at. loan was paid off and we had that much extra to go towards the second.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Prairie Eco-Thrifter

JUNE 6, 2013

My friend Jackie over at The Debt Myth has created a Pay Off Debt App which I think is very cool. She has lived the journey of being sunken in debt and then freeing herself and now she is trying to help others do the same with her new app. Summer has arrived here and I have to say that I am loving it. Best of luck.

Debt 145

Debt Fridays Win Green And Frugal 145

Family Balance Sheet

DECEMBER 10, 2014

What are your top 3 – 5 tips for saving money/pinching pennies to put towards paying off your debt. I did the regular budget audit and cut things out like entertainment, fast food, and going out with friends. How often do you and your spouse discuss your finances/budget/spending?

Debt 227

Debt Debt Free Financial Goals Goals 227

Family Balance Sheet

JANUARY 7, 2015

How often do you and your spouse discuss your finances/budget/spending? We do budget together EVERY SINGLE MONTH. Because each month needs a different budget based on the circumstances you’re currently in. I carry the budget envelopes in my purse, because if Barry carried them in his pockets, that would just be weirdo.

Debt Free 100

Debt Free Debt Budgeting Budget 100

Prairie Eco-Thrifter

JUNE 24, 2012

Pay Off Debt App (sponsored by The Debt Myth ) Lisa K. $20 25 Amazon or PayPal Gift Card (sponsored by Budgeting in the Fun Stuff ) Jason $25 PayPal Gift Card + 1 free year Gold Membership to Stock Trend Investing (sponsored by Stock Trend Investing ) Mary A.

Giveaway 100

Giveaway Personal Finance Gift Cards Finance 100

Family Balance Sheet

JUNE 16, 2015

Today’s Debt Free Story is from Lydia. She blogs about living a limitless life on a limited budget at Frugal Debt Free Life. How often do you and your spouse discuss your finances/budget/spending? So I take the clothing or grocery budget and stretch it as far as I can. To pay off our home early.

Debt 100

Debt Debt Free Finds Goals 100

Savings Corner

DECEMBER 27, 2023

Ideally, getting one positively impacts your overall financial health, by helping you pay off debt faster, for example, or adding to the value of your home. Weddings : Using a personal loan to pay for your wedding can help you stick to a budget. Compare any loan with interest-free options.

Debt 40

Debt Home Improvement Consumer Credit 40

Prairie Eco-Thrifter

FEBRUARY 21, 2013

Paying off debt is hard to do. Read John’s post about his stumbles on the way to paying off his debt at The Money Principle. Joanna at Our Freaking Budget wonders if we’re all just working for the weekend. There seem to be a lot of bloggers taking the plunge into self-employment lately!

Fridays 165

Fridays Insurance Real Estate Debt 165

Family Balance Sheet

OCTOBER 6, 2014

We’ll talk about cash flow, budgets, debts, and all of the nitty gritty of our finances that might not be fun to talk about, but are so important to discuss. Welcome to 31 Days to Organize Your Finances. By the end of the month, my goal is to help you have a detailed financial plan for your family. S – specific.

Financial Goals 113

Financial Goals Goals Finance Organic 113

Family Balance Sheet

AUGUST 5, 2015

My husband has always been the one who has felt the full weight of our debt. He was always trying to put us on budgets, help us look for ways to save and not spend so much but we never found a system that worked for us and continued in spending behaviors that didn’t help advance goals. Was there a particular event?

Debt 100

Debt Debt Free Finds Finance 100

Prairie Eco-Thrifter

OCTOBER 15, 2011

Living in Financial Excellence: Why Budgets Fail and How to Create a Successful Budget Many people attempt to do a budget and fail miserably. There are so many different ideas out there about how to do a budget and very little guidance on how to make them work in your life. The angry mob is targeting the wrong street.

October 200

October 2011 Finance Personal Finance 200

Family Balance Sheet

SEPTEMBER 9, 2014

About $52,000 of that $147K was consumer debt (credit cards, a student loan, a car loan, a home improvement loan, etc.) But it wasn’t a decade of nothing but paying off debt. When we first started we couldn’t have even conceived of becoming completely debt free. What inspired you to get debt free?

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Prairie Eco-Thrifter

SEPTEMBER 26, 2012

Another way to do this, if you have self control (which I don’t), is the budget just as if you were making the same amount as before, and manually reroute your extra money to your savings goal. Keep Your Goals in Mind When your income increases or expenses drastically decrease (like when you pay off debt), keep your goals in mind.

Debt 189

Debt Goals Money Bills 189

Family Balance Sheet

APRIL 12, 2016

I read it in two days and I was sold on the idea of being debt free. Share the top 3 – 5 ways you found money to put towards debt. Simply doing a budget. What habits did you form while being debt free that will now stick with you for the long term? And finally, paying off debt is completely and totally possible.

Credit Cards 100

Credit Cards Debt Debt Free Student 100

Saving Cents With Sense

JANUARY 1, 2016

I know many of you are in similar situations of needed to save, but wanting to pay off debt, and eventually be able to put money in savings. Through lay offs, new jobs, new schools, illness, and everything else involved with a family, we have had our ups and downs.

Saving Money 40

Saving Money 2016 Money Pay Off Debt 40

For the Mommas

JANUARY 23, 2013

Saving more (52%), spending less (19%) and paying off debt (19%). Create a budget. By refinancing, consumers could quickly save hundreds of dollars every year without having to make significant cuts to their budget. Paying Off Debt. The top 3 financial resolutions? that gym you no longer use.)

Monitors 40

Monitors Credit Debt Consumer 40

Family Balance Sheet

APRIL 9, 2021

Our smallest debt was a credit card that had a $600 balance. We found extra money within our budget and applied it to that first loan while making the minimum payments on the other 4 loans. Paying off debt is not fun. That’s one reason why we included celebrations in our Debt Freedom Plan.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Family Balance Sheet

JUNE 2, 2016

Spending Audits Not Budgets – This might be a little controversial, but I tried budgeting and kept on failing. In general though, the process of paying off debt has taught me a lot of things, and its a lifestyle I continue to this day. Paying off debt and growing savings is a means to an end.

Debt 100

Debt Finds Debt Free Pay Off Debt 100

Saving Cents With Sense

DECEMBER 20, 2013

Start the New Year off right by making a commitment to save money and pay off debt. Look for sources of cash that you can tap into and pay down debt. Although gas prices have been lower lately, hovering around $3.20 per gallon nationwide, AAA expects it to increase to $3.50 per gallon during the holidays.

Christmas 75

Christmas DIY Debt Pay Off Debt 75

Family Balance Sheet

JULY 2, 2015

We have been given money ourselves during our process of paying off debt and try to remain grateful and giving. If married, who initiated the debt free goal? Were there arguments during the time you were working on your debt? How often do you and your spouse discuss your finances/budget/spending?

Student 100

Student Debt Debt Free Finds 100

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. Common reasons include paying off debt, financing a large purchase such as a vehicle or a boat, or covering the cost of a major expense like a wedding or a home renovation.

Debt 52

Debt Credit Cards Credit College Tuition 52

Prairie Eco-Thrifter

JULY 4, 2011

This doesn’t mean you will always live with a cash budget, although you certainly could. Pat S from compounding returns asks Pay Off Debt or Invest for The Future ? Being prepared financially is a must for a healthy budget. Bob from Christian Finances asks Is it time to go on a cash diet?

Personal Finance 240

Personal Finance Finance Family Debt 240

Savings Corner

APRIL 4, 2024

Consolidating high-interest debt: If you’ve been struggling to pay off debts with high costs like credit cards, a home equity loan can make a big difference in the amount of interest you’re paying. This might make it easier for you to budget for and pay each month.

Home 52

Home Debt Credit Cards Credit 52

Family Balance Sheet

FEBRUARY 23, 2016

Download your FREE Debt Payoff Goal Tracker. Paying off debt is not fun, in fact, it sucks! We built in some celebrations into our Debt Freedom Plan. We keep ours on the refrigerator and it is so stinkin’ fun to color in the blocks as we make payments. Bonus #6 – Celebrate your wins.

Debt 100

Debt Goals 2016 Calculators 100

Family Balance Sheet

AUGUST 11, 2016

We charted out our course of action to pay off debts and start saving for retirement. I’m on this journey to financial wellness with you and every weekend, I pack the newsletter with budgeting inspiration, money-saving tips & ideas, and frugal, yet tasty recipes. Write these dreams down on paper.

Emergency Fund 100

Emergency Fund Money Finance Debt 100