Family Balance Sheet

FEBRUARY 23, 2015

Our main financial goal in 2015 is to pay down our non-mortgage debt. I have scrutinized our budget tirelessly and I really feel like there’s nothing more to cut, so my focus is turning to finding money to put towards debt. In January, I found $370 to put towards our debt: 1. Where can we find extra money?

Debt 100

Debt January Money Financial Goals 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

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. And we were on a roll in January 2016. Unfortunately, we did not hit that goal and in part, have made some major changes to our Debt Freedom Plan. I even created a hashtag, #crushingdebt2016.

Debt 100

Debt 2017 Student 2016 100

Motherhood Moments

DECEMBER 26, 2022

This is actually the second straight year in which more than three-quarters of people said their spending on January 1 festivities would decline year over year,” said Jill Gonzalez, WalletHub analyst. “As Americans are planning to spend less on New Year’s plans this year than last year, according to a new WalletHub survey.

New Year's 130

New Year's Money Finance Debt 130

Family Balance Sheet

SEPTEMBER 19, 2014

In January 2015, we will not have a feeling of dread when the credit card bills start rolling in. Instead, we’ll start the new year off right because we celebrated a debt free Christmas. 2 Ways to Prepare for a Debt Free Christmas. Create a Budget. Not a single dime! Find the Money.

Debt Free 100

Debt Free Debt Christmas Budgeting 100

Family Balance Sheet

JANUARY 20, 2023

That was the year that we made the goal of paying off the last of our non-mortgage debts and we achieved it by September of that year. In 2022, I wanted to do a major purge of our home , and that lasted until about January 15 of 2022 when I reorganized our kitchen cabinets. We used the snowball method to pay off our non-mortgage debts.

Financial Goals 130

Financial Goals Goals Debt College 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. In January, I found more extra money than I ever have and I was so excited about it, BUT unexpectedly, February…blew.it.out.of.the.water! In January 2020, we booked round-trip flights to Paris for the four of us.

February 257

February Money Airline Flights 257

Family Balance Sheet

OCTOBER 8, 2015

The average American will spend about $700 on holiday purchases* and unfortunately many people will get a little surprise in the mail in January when the credit card bills start rolling in. 3 Smart Steps to a Debt Free Christmas. Create a Budget. Take these steps and have a Debt Free Christmas. Find the Money.

Debt Free 100

Debt Free Debt Christmas Budgeting 100

Family Balance Sheet

NOVEMBER 18, 2022

Americans will spend about $900 on holiday purchases** and unfortunately, many people will get a little surprise in the mail in January when the credit card bills start rolling in. Create a Budget. Take advantage of my free budget excel spreadsheet that I offer to email subscribers. 3 Smart Steps to Pay Cash for Christmas.

Christmas 130

Christmas Budgeting Budget Money 130

Family Balance Sheet

JANUARY 2, 2021

I wanted to reduce our non-mortgage debt, my clutter, my distractions, my impact on the environment, and my consumption of sweets. In January 2020, we had a lot of savings goals. We paid off all of our non-mortgage debt in 2019, so we felt we could shift our focus to saving money for other goals, like retirement and college savings.

Debt 130

Debt 2020 2019 Financial Goals 130

Saving Cents With Sense

NOVEMBER 11, 2013

Regardless of your income or gift giving needs, it is important to create a holiday budget from year to year. Creating a holiday budget can help you control your spending and make sure you get all of the items you need while staying out of debt or overspending. 5 Tips to Create a Holiday Budget. Define your needs.

Budgeting 112

Budgeting Budget Holiday Debt 112

Family Balance Sheet

DECEMBER 28, 2016

If you’re thinking about some resolutions for 2017 that have to do with YOUR finances, then I’m inviting you to join me in January for the New Year New You Financial Summit. This summit runs January 9-13, 2017 and consists of 15 workshops over those 5 days. Toni Husbands of Debt Free Divas.

New Year's 100

New Year's Debt Personal Finance Real Estate 100

Family Balance Sheet

JANUARY 17, 2018

I have started calling around for fees and hope to have this complete by end of January. 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. 2 – Save $10k in a savings account, specifically earmarked for medical expenses.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

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. January and February were stellar months with finding money. This money will be put in our Medical Out-of-Pocket budget category. Found Money Recap: January 2021 – I found $1681. Plasma earnings: $207.

March 130

March Money Donation Credit Cards 130

Family Balance Sheet

JULY 9, 2014

When my husband and I wrote our Debt Freedom Plan earlier this year, we made a commitment to scrutinize our monthly expenses to find money to put towards our plan. I knew I could do better, so in January 2014, I made a commitment to reduce our grocery spending, but not sacrifice the quality of food and meals that I fed my family.

Grocery Spending 242

Grocery Spending Financial Goals January Budgeting 242

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. 10.16% The average $30,000 HELOC rate as of the beginning of January 2024 — up from 7.62% in January 2023. What is a home equity loan? to 10 percent.

Home 52

Home Debt Credit Cards Credit 52

Family Balance Sheet

FEBRUARY 2, 2017

They pay off mountains of debt and scream about debt freedom, or maybe they save gobs of money in a record amount of time, or they have considerable success with their new small business. Meet The Achievers: Deacon and his wife paid off $52,000 in debt in 18 months. His 2017 goal is to make $100,000 in online income.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

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.

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Family Balance Sheet

JANUARY 26, 2016

As God is my witness, it WILL be the year that we pay off the last of our non-mortgage debt. At the time, we had 4 business loans and 1 student loan that were weighing on us, so we created our Debt Freedom Plan. Apply any Found Money to Debt. I’ll apply that money to the debt. 2016 will be THE year. Home Projects.

Financial Goals 100

Financial Goals Goals 2016 Debt 100

Saving Everyday

JANUARY 16, 2014

Frugal Living: Powerful Family Budget And Debt Management Plan Advice For Abundance And Debt Free Living. The post 10 FREE Kindle Books For January 19th appeared first on Saving Every Day. The Loyal Servant. 52 Delicious & Healthy SUPERFOOD Breakfasts Under 300 Calories. Boredom Busters! The UnTied Kingdom.

January 45

January Debt Debt Free Frugal Lives 45

Family Balance Sheet

JANUARY 1, 2015

Every January 1, I get caught up in the hopeful feeling of the upcoming new year. Most of them are related to our small business, my husband’s chiropractic office, but last January I got a bee in my bonnet about debt…thank you, Dave Ramsey. This is the year that we will be very intense about paying off our debt.

2015 100

2015 Money Debt Home and Garden 100

Prairie Eco-Thrifter

JANUARY 28, 2011

Frugal Dad tells us how it’s possible to have a wedding on a budget. Reducing Debt. Not Made of Money shares with us some tips on how to stay motivated at paying off our debt. I had to remind myself that being debt free was the first step to fulfilling my dreams. for Week of January 10-14/11-Seeking Balance Edition.

January 124

January 2010 Personal Finance Finance 124

Prairie Eco-Thrifter

FEBRUARY 4, 2011

I can say though that by using a money management program you are more likely to stick to your budget and your financial goals. Punch Debt in the Face tells us why no spend challenges are for wussies. Reducing Debt. Live Real, Now shares 5 strategies we can use to prevent debt burnout. He has a point. How about you?

January 113

January February Debt Personal Finance 113

Saving In Akron

JANUARY 12, 2012

If you've been wanting to invest in Dave Ramsey's program for eliminating your debt, now's the perfect time. Start the New Year off on solid financial footing with this budget-friendly bundle from money from money guru Dave Ramsey. Mamsource is offering a Dave Ramsey Money Education Bundle + FREE Shipping for $45 !

Education 113

Education Money Free Shipping Software 113

Family Balance Sheet

MARCH 11, 2021

On January 1st, many of us are very gung-ho about writing goals but are we as enthusiastic about those goals on March 12? T – time-based, tangible, In 2019, we paid off six figures of non-mortgage debts. Related Reading : How We Paid off Six Figures of Debt. 7 Ways to Spring Clean Your Finances. Review your Yearly Goals.

Finance 130

Finance Cleaning Goals Insurance 130

Prairie Eco-Thrifter

JANUARY 21, 2011

My Super Charged Life shares with us 7 ways a budget can improve our life. Personal Finance by the Book shares with us the nuts and bolts of budgeting and how we can be best equipped to manage our money better. Eric at Narrow Bridge breaks down exactly what we need to do to budget. Reducing Debt. I must say I agree.

January 124

January Emergency Fund Personal Finance Finance 124

The Frugal Girl

JANUARY 29, 2024

When my daddy passed last January, I inherited all the heavy farm labor responsibilities- I never knew I could have impressive muscles😊 It feels like I’ve been going to a homesteading college this year, it’s a love/hate relationship. My kids both have chronic medical issues that are costly & require much budgeting.

Arkansas 181

Arkansas Frugal College Kids and Family 181

Prairie Eco-Thrifter

JANUARY 14, 2011

Reducing Debt. The Digerati Life shares insight as to when you should get help in trying to pay off your debt. Man vs. Debt shares with us how to not suck at our resolutions this year. Budgets are Sexy book giveaway “ Psych Yourself Rich “ Yakezie Scholarship. We have done this for ages now. Investing Wisely.

January 113

January Personal Finance Green And Frugal Finance 113

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. Earlier this year, my husband and I wrote a specific list of financial goals and named it Our Debt Freedom Plan. Welcome to 31 Days to Organize Your Finances.

Financial Goals 113

Financial Goals Goals Finance Organic 113

Prairie Eco-Thrifter

JANUARY 14, 2012

The Debt Princess: The Kool-Aid Effect: The Relationship Between the Poor & Nutrition – A look into how the working poor are eating unhealthy. MoneySmartGuides : The Real Cost of Eating Out – I was looking over my budget for the previous month and something stood out. At first, I thought I made a typo along the way.

Credit Cards 220

Credit Cards Credit Finance Personal Finance 220

Family Balance Sheet

APRIL 1, 2021

He then advises paying off your non-mortgage debt before fully funding an emergency fund with 3 – 6 months worth of expenses. Now that we’ve paid off six figures of non-mortgage debt , we are working on saving 6 months’ expenses and maybe even more. Groceries is the easiest budget category to overspend.

Emergency Fund 130

Emergency Fund Money Finds Friends And Family Sale 130

Family Balance Sheet

AUGUST 11, 2016

We charted out our course of action to pay off debts and start saving for retirement. It’s taking forever for us to accomplish the step we’re on (paying off our non-mortgage debt), but we keep plugging away. We have completely stopped any retirement contributions, so we can apply that money towards our debts (we had A LOT).

Emergency Fund 100

Emergency Fund Money Finance Debt 100

Family Balance Sheet

OCTOBER 15, 2021

Prior to 2020, we spent years aggressively paying off six figures of non-mortgage debts , so saving for college was sporadic deposits into a regulard savings account and basically on the back burner. In January of 2020, I was gung-ho about saving for college, however, I had no idea what was about to happen.

College 130

College Used 2020 Saving 130

Prairie Eco-Thrifter

FEBRUARY 7, 2011

Derek from Life and My Finances shares his parents’ story and best lesson with Paying Off Your Debts Early at Retire By 40. Crystal from Budgeting in the Fun Stuff shared her Best Day to Day Money Saving Tip at Grow Rich Simply. for Week of January 31- February 4/11- Superbowl Edition. Festival of Yakezie #1- Awards Edition.

Swap 113

Swap Personal Finance Finance Saving Money 113

Family Balance Sheet

MARCH 12, 2015

On January 1st, we’re so gung-ho about writing goals, but are we just as enthusiastic about those goals on March 11? T – time based, tangible, Take a peek at my family’s financial goals–I keep our Debt Freedom Plan on our refrigerator door for a constant reminder of our financial goals. Review your Yearly Goals.

Finance 100

Finance Cleaning Financial Goals Goals 100

Prairie Eco-Thrifter

FEBRUARY 18, 2011

We have more stable careers, we have no debt (other than our mortgage), and we own a home. Reducing Debt. Frugal Dad shares with us 10 Side Hustles that we can use to pay off our debt. Financial Highway tells us how he paid off $50,000 of credit card debt. I think I would have to agree, no debt is good debt.

February 113

February Debt Finance Personal Finance 113

Prairie Eco-Thrifter

NOVEMBER 23, 2014

We don’t like debt. Anyone can enter any national park free of charge on Veterans day as well as the other ‘free’ days (January 19; Feb 14 – 16; April 18 – 19; August 25 and September 26). Airlines (American); trains (Amtrack); car rental (Budget); Cruise lines (Carnival) all offer discounts to veterans.

Military 162

Military Grandfather Education Los Angeles 162