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 2021, I wanted to increase our savings but didn’t attach any number to it, so we floundered that year away. We have a number that we want to save for each daughter.

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. How do you save for Christmas spending?

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. After writing some financial goals that had a lot to do with researching topics, such as retirement and college savings strategies, I realized that maybe my word for 2020 was READ. But 2019 was different.

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

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. I’m saving my plasma money for summer trips and activities.

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. Our Savings: $67 a month or almost $800 a year. Our savings: $55 a month or $660 a year. Our savings: $184 a month. We want to have our cake and eat it too.

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. Her 2017 goal is to save $20,000 in cash.

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. We have a retirement to plan , our daughters’ college to save for, and many places to visit. Home Projects.

Financial Goals 100

Financial Goals Goals 2016 Debt 100

Family Balance Sheet

OCTOBER 15, 2021

Right before the pandemic started, I opened 529 College Savings Accounts for our daughters. My oldest was in eighth grade and one of my goals for 2020 was to start saving consistently for both daughters’ college education. 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

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

How to Save Money shares with us how we can keep our finances safe when buying items online. Sweating the Big Stuff tells us about 5 people that can save us money, time and stress. Live Real, Now tells us how we can save money on anything from bills to insurance. We save money and still look great. Reducing Debt.

January 124

January 2010 Personal Finance Finance 124

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. New Members can sign up and save 10% with code JAN10. Continental US only.

Education 113

Education Money Free Shipping Software 113

Prairie Eco-Thrifter

FEBRUARY 4, 2011

Bucksome Boomer shares with us 9 tips for tax time that will save us from forming those wrinkles. Saving Money Today clears up for us the difference between defined benefit and defined contribution. I can say though that by using a money management program you are more likely to stick to your budget and your financial goals.

January 113

January February Debt Personal Finance 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. This simple yet effective list has eased my stress and saved me time.

Finance 130

Finance Cleaning Goals Insurance 130

Prairie Eco-Thrifter

JANUARY 14, 2011

Bucksome Boomer shares with us how to revolutionize our finances using our savings. Financial Highway tells us how we can save on produce at the store. Reducing Debt. The Digerati Life shares insight as to when you should get help in trying to pay off your debt. He just turned 50 this week. Happy bday!!! Going Frugal.

January 113

January Personal Finance Green And Frugal Finance 113

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

APRIL 1, 2021

Our emergency fund has saved us countless times and it will save us once again with the truck. He then advises paying off your non-mortgage debt before fully funding an emergency fund with 3 – 6 months worth of expenses. To kick start your emergency fund savings, take the next 31 days and challenge yourself to find $1000.

Emergency Fund 130

Emergency Fund Money Finds Friends And Family Sale 130

Family Balance Sheet

AUGUST 11, 2016

And in adulthood, they are stashing their incomes and living hyper-frugally to save for early retirement, instead of waiting to 65 to fulfill their dreams. This leaves not much left to save for retirement. ” Recently Go Banking Rates conducted two studies on savings rates with startling results. It’s all too much.

Emergency Fund 100

Emergency Fund Money Finance Debt 100

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

Couponing 101

DECEMBER 26, 2011

Christmas can be very stressful, especially when you have a tight budget. I have a few tips for saving money (and your sanity!) 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.)

Christmas 80

Christmas Toys Gifts Bath and Body Works 80

Prairie Eco-Thrifter

FEBRUARY 7, 2011

Different members from the network paired up to post on each other’s blogs and discuss the topic of how to save money on everyday activities. Here’s a list of all of the participants so you too can read some of the great day-to-day money saving tips that were shared on Friday! It’s a pretty cool thing really.

Swap 113

Swap Personal Finance Finance Saving Money 113

Couponing 101

JANUARY 4, 2011

Christmas can be very stressful, especially when you have a tight budget. I have a few tips for saving money (and your sanity!) 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.)

Saving Money 74

Saving Money Christmas Money Bath and Body Works 74

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 been saving for our vacation to Asia since last year and we have been successful at this. We have more stable careers, we have no debt (other than our mortgage), and we own a home. I don’t know about you but I am always up for saving some money anywhere I can. Reducing Debt. How about you? Congrats!!

February 113

February Debt Finance Personal Finance 113

Prairie Eco-Thrifter

FEBRUARY 11, 2011

Frugal Dad reminds us that the war on debt starts at home and until we make changes there, we are never going to win the battle. Own the Dollar tells us how we can save $50 a day. How to Save Money shares with us how shopping at Costco can save us cash. The Saved Quarter tells us how we can save money on laundry.

February 113

February Finance Personal Finance Money 113

Prairie Eco-Thrifter

NOVEMBER 23, 2014

We don’t like debt. We should have applied for a VA mortgage right after he got out of the Army in 1974 instead of waiting 4 years and saving up a down payment to get a commercial mortgage. Airlines (American); trains (Amtrack); car rental (Budget); Cruise lines (Carnival) all offer discounts to veterans. VA Mortgage.

Military 162

Military Grandfather Education Los Angeles 162

Family Balance Sheet

JANUARY 17, 2018

I have started calling around for fees and hope to have this complete by end of January. 2 – Save $10k in a savings account, specifically earmarked for medical expenses. We blew through our health savings account, and now need to save another $10k so we’re not caught off guard if another emergency were to happen.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

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. Saving Money - During the Holidays' Not a single dime!

Debt Free 100

Debt Free Debt Christmas Budgeting 100

Saving Cents With Sense

MAY 13, 2013

Because of this, you might think that one is out of your budget. But the truth is, there are plenty of ways to sail the seas without ending up in an ocean of debt. Take a peek below at ten ways you can save on a cruise and enjoy the experience for less. Sail Away for Less: 10 Ways to Enjoy a Cruise on a Budget.

Vacation 56

Vacation Cruises Cruise Insurance 56

Finally Frugal

JANUARY 8, 2011

The first suggestion is a great one (because I've already put it into practice with my first January paycheck!) This may be especially useful for those of us who - whether currently or in our spendthrift past - may be likely to fritter that money away as soon as it shows up in our paychecks.

Frugal 45

Frugal Spendthrift Debt Recession 45

Prairie Eco-Thrifter

JANUARY 21, 2011

My Super Charged Life shares with us 7 ways a budget can improve our life. There are many people in our circle of friends who haven’t even started thinking about savings and retirement. 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.

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. How did you get interested in saving money? Since summer ’09, right after I had my first kid.

Arkansas 182

Arkansas Frugal College Kids and Family 182