Penny Pinchin' Mom

DECEMBER 17, 2023

The post The Age Old Question: Should You Pay Off Debt or Save? Should you pay off debt or save? So, you want to get started on debt repayment so you can focus on other financial goals? However, if you pay off these debts, there will be nothing left for investments in these tough financial times. What gives?

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Family Balance Sheet

OCTOBER 7, 2014

Welcome to 31 Days to Organize Your Finances. 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. Today we will start to get into the nuts and bolts of our budget. financial goals. Not enough cash flowing in?

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Finance Organic Organization Financial Goals 113

Family Balance Sheet

OCTOBER 22, 2014

Welcome to 31 Days to Organize Your Finances. 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. By the end of the month, my goal is to help you have a detailed financial plan for your family.

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Family Balance Sheet

FEBRUARY 23, 2016

Are you ready to crush debt this year? We’re going to give it everything we’ve got and hopefully pay off the last of our non-mortgage debt by the end of this year. It will be quite a feat because by my calculations we’ll be short each month if we just apply our debt snowball payment. Stretch yourself.

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Debt Goals 2016 Calculators 100

Couponing 101

JUNE 25, 2019

But budgeting for your vacation can take a lot out of you. Planning ahead can help you set and stick to a vacation budget without skimping on the fun. Base Your Vacation on Your Budget. Forbes reports that most Americans have gone into debt to pay for a vacation. Calculate Large Costs First.

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Vacation Budget Budgeting Calculators 51

Savings Corner

DECEMBER 25, 2023

Determining affordability requires balancing your vehicle needs and budget. How to determine how much car you can afford To set a budget for your vehicle, start by deciding what you can comfortably pay each month. Use a leasing versus buying calculator to calculate your potential savings. Can you afford the car you want?

Cars 52

Cars Car Insurance Calculators 52

Family Balance Sheet

OCTOBER 16, 2017

I could talk all day about personal finance and money-saving strategies, but my husband, while very responsible with money, just doesn’t feel the same way. To keep the communication flowing, I created my very first Balance Sheet to give my husband a snapshot of our household and business finances. It was tricky at first.

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Family Financial Goals Debt Calculators 100

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.

Debt 52

Debt Credit Cards Credit College Tuition 52

Family Balance Sheet

FEBRUARY 4, 2015

Today’s Debt Free Story is from Shannon. How much debt did you pay off? What kind of debt was it? As many students do these days, we had tens of thousands of dollars of debt by the time we graduated with our Masters degrees. At the point when we finally got serious about paying off our debt we had $22,047 left.

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Debt Free Debt Financial Goals Budgeting 100

Prairie Eco-Thrifter

OCTOBER 15, 2011

Now without further adieu, I present you with the dozens of great reads written by Yakezie members and challengers alike this past week in our efforts to bring you timely insight on personal finance and lifestyle today. The return on this strategy is relatively paltry, as this calculator shows! Do you review your finances monthly?

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October 2011 Finance Personal Finance 200

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. What is a home equity loan?

Home 52

Home Debt Credit Cards Credit 52

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 . How much debt did you pay off? What kind of debt was it? We started paying it off when we got married and became debt free just shy of our second anniversary.

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Debt Debt Free College Finds 100

For the Mommas

JANUARY 23, 2013

Saving more (52%), spending less (19%) and paying off debt (19%). Create a budget. One of the easiest and most overlooked ways to spend less is by re-evaluating your debt and improving your credit score. Paying Off Debt. Depending on the amount of debt and the different interest rates, the savings could add up.

Monitors 40

Monitors Credit Debt Consumer 40

Prairie Eco-Thrifter

FEBRUARY 19, 2013

We all know that one of the best personal finance strategies is to have a budget and you’ve probably tried to create one at some time. Maybe you’re like me and could never get the budget to balance; I always had more expenditure than income and couldn’t see how I was going to be able to cut expenses. The remaining 17.6%

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Budget Budgeting Credit Cards Transportation 222

Prairie Eco-Thrifter

JANUARY 19, 2011

Many websites even have competitor calculators so you can see what you would pay somewhere else for the same service. The internet works great for things like insurance management, loan and finance management, as well as goods for the home. It provides a great opportunity for you to find the best price for anything you want to buy.

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Saving Money Money Insurance Bills 124

Savings Corner

APRIL 4, 2024

The steps may vary depending on whether you’re looking for debt consolidation loans , home improvement loans, medical loans or wedding loans. Once you’ve zeroed in on your loan amount, run some numbers using a personal loan calculator. Tip: Include fees in your loan amount calculations.

Debt 52

Debt Credit Cards Credit Home Improvement 52

Family Balance Sheet

JUNE 8, 2018

During that time, I started to budget for everything. Every aspect of our lives was included in our budget. I came up with strategies to help us pay for yearly bills, large expenses, and we were able to pay off debts. Another way to think of a budget is a spending plan. ” So are you ready to start a budget?

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Budgeting Budget Financial Goals Goals 133

Savings Corner

APRIL 4, 2024

To refinance a mortgage, you’ll pay between 2 and 5 percent of the loan amount in closing costs, so if you’re refinancing to save money, you’ll need to calculate your break-even point. This increases your mortgage debt but gives you money that you can invest or use to fund a goal, like a home improvement project.

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Refinancing Work Debt Financial Goals 52

Family Balance Sheet

OCTOBER 20, 2014

Welcome to 31 Days to Organize Your Finances. 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. We’re going to use the zero based budget as a guide for our monthly spending plan. Gift Giving Fund.

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Finance Organic Organization Budget 100

Savings Corner

DECEMBER 27, 2023

These loans come with credit-building tools, flexible repayment terms and special features for debt consolidation and home improvement projects. Direct payment to creditors with debt consolidation loans. Maximum debt-to-income ratio: 75%, including mortgage and the loan you’re applying for. Minimum annual income: None.

Credit 52

Credit January Debt Credit Cards 52

Family Balance Sheet

OCTOBER 8, 2014

Welcome to 31 Days to Organize Your Finances. 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. Yesterday’s assignment was to calculate how much money is coming in. This exercise is NOT your budget.

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Finance Money Organic Organization 113

Prairie Eco-Thrifter

MAY 8, 2011

I am talking about spring cleaning your finances and finding more ways you can save money. Today along with the great tips from my fellow personal finance bloggers, I am going to share with you six ways you can clean up your finances this season. I did this yeas ago when I was in debt and it made paying off the debt a reality.

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Saving Money Money Credit Cards Insurance 232

Prairie Eco-Thrifter

JANUARY 14, 2012

After that, while you all primed and interested in personal finance, continue and read the awesome articles that were written across the web this week regarding personal finance and enhancing your lifestyle. Finance Fox : Reasons to Buy a Car in January – After the Holidays! Take a moment to watch them.

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Credit Cards Credit Finance Personal Finance 220

Prairie Eco-Thrifter

JUNE 14, 2012

The Skilled Investor , Editor Budgeting and Economics Paul Vachon presents Frugal Living Made Easy posted at The Frugal Toad , saying, “Frugal living is all about making informed and deliberate choices in how to spend money. Learn how you can amend regular over spending habit and stick to the budget. Well, not to worry.

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Money 2012 June Credit Cards 124

Savings Corner

DECEMBER 25, 2023

Jumbo loans: As low as 5%-10% down payment (varies) Jumbo loans are home loans that fall outside of the Federal Housing Finance Agency’s conforming loan limits. In other words, it’s the extent to which your home is an asset rather than a debt. More equity in your home right away. More equity means more wealth.

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Insurance Home Refinancing Money 52