Penny Pinchin' Mom

JANUARY 16, 2024

However, if you have been following me, you know that I am quite serious about finding ways to not only get out of debt but also how to create a budget (and stick to it) as well as how to save money without necessarily depriving your family of the quality of life they deserve. Again, you’re not alone with this problem.

Personal Finance 52

Personal Finance Finance Tips Finance Mom 52

Prairie Eco-Thrifter

MAY 2, 2013

Mr.CBB @ Canadian Budget Binder checks the pros and cons of renting and buying. Deacon @ Well Kept Wallet paid off debt in 18 months and is inviting readers to do the same. Deacon @ Well Kept Wallet paid off debt in 18 months and is inviting readers to do the same. The ABC’s of Debt Reduction. PET Archives.

Life Insurance 167

Life Insurance Insurance Fridays Debt 167

Family Balance Sheet

JUNE 22, 2020

It was so big that I cried for two days straight– we paid off six figures in non-mortgage debts. How we got to six figures of non-mortgage debt: In the summer of 2012, we found an opportunity to purchase an office building for our small business. Also, the monthly mortgage payment was less than our rent payment.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Family Balance Sheet

SEPTEMBER 21, 2015

We carried no credit card debt and we contributed to our retirement. Our small business was going well and we said so long to renting office space and purchased a commercial property. We had a lot of debt, not enough cash flow, and very little set aside for emergencies. Prior to that, we thought we were golden. Stay positive.

Finance 100

Finance Debt August 2013 100

Savings Corner

FEBRUARY 2, 2024

For example, good credit can improve your chances of landing a job or renting an apartment. Renting an apartment. When you submit an application to rent an apartment, the landlord may look at your credit score to gauge how likely you are to pay your rent on time. Setting up utilities.

Credit Cards 52

Credit Cards Student Credit College 52

Family Balance Sheet

MARCH 11, 2021

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. Around the time our second daughter was born, I found myself so overwhelmed and distracted that I missed paying the rent for our business office. Update (or create) your Family Balance Sheet.

Finance 130

Finance Cleaning Goals Insurance 130

Family Balance Sheet

JUNE 4, 2015

However a few years ago, we found ourselves with too much debt and not enough cash. After renting an office for 12 years, we had nothing to show for it and the space was starting to feel a bit cramped. We paid our bills on time, never carried credit card debt from month to month, but in that moment we could not pay our bills.

Goals 100

Goals Debt Renovation Daughter 100

Family Balance Sheet

DECEMBER 10, 2014

Today’s Debt Free Story is from Carrie. How much debt did you pay off? What kind of debt was it? After my first marriage fell apart, I ended up with over $14,000 of consumer debt, made up of a car loan and credit cards. What inspired you to get debt free? Tell us about you and your family. Where are you from?

Debt 227

Debt Debt Free Financial Goals Goals 227

Prairie Eco-Thrifter

JULY 4, 2011

Philip from Deliver Away Debt shares his story: How I Delivered Away My Debt. mbhunter from Mighty Bargain Hunter asks Are you contributing to this debt clock? and says, “The big debt clock is over $14 trillion now, but this other one is approaching $1 trillion, and may affect you more directly.&#. How about you?

Personal Finance 240

Personal Finance Finance Family Debt 240

Prairie Eco-Thrifter

SEPTEMBER 27, 2012

Shelter Depending on your amortization, mortgage or rent, the amount you need to set aside for house payments may vary for every individual. You may want to transfer to a smaller place if you are renting, if that will work best for you, but do not in any way remove house payments on your list of top priorities.

Bills 213

Bills Telephones Money Taxes 213

Family Balance Sheet

JULY 9, 2015

It’s no secret, I am fascinated, encouraged, and border-line obsessed with debt freedom. The idea of becoming debt free makes me downright giddy. So I love to hear the success stories of others who have found debt freedom. What did they specifically do to become debt free? 10 Smart Ways to Become Debt Free.

Debt Free 100

Debt Free Debt Budgeting Budget 100

Prairie Eco-Thrifter

OCTOBER 10, 2012

I learned quickly that the costs add up and that budgeting is of utmost importance if you want to graduate without thousands of dollars worth of debt. Not all companies have ebooks, but it’s beneficial to your budget to buy the ones that do. Renting textbooks is just another way you can save money on textbooks.

College 188

College Library Rent Saving 188

Family Balance Sheet

OCTOBER 30, 2013

We can slash our budgets to bare bones, but the quickest way to reach our savings goal is to increase our income. Dave Ramsey is famous for telling his listeners to start delivering pizzas to claw their way out of debt. Rent Out Your Extra Space. Mondays thru Saturdays in October, I will have ideas to help you find $1000 too.

Finds 113

Finds Part Time Hobby October 113

Family Balance Sheet

MARCH 12, 2015

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. Around the time our second daughter was born, I found myself so overwhelmed and distracted that I missed paying the rent for our business office.

Finance 100

Finance Cleaning Financial Goals Goals 100

Prairie Eco-Thrifter

OCTOBER 21, 2012

Kristen from My Dollar Plan reminds us Why You Should Tell Your Family About Your Debt. Peter from Bible Money Matters shares 10 Tips to Save Money on Your Christmas Shopping and Avoid Going Into Debt. ” Jacob from Dwindling Debt asks Do Overdraft Chargers Affect Your Credit. I am a big believer in communicating.

Personal Finance 219

Personal Finance Finance Debt Money 219

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. Unfortunately, we did not hit that goal and in part, have made some major changes to our Debt Freedom Plan. Our Debt Freedom Plan Started in 2013: The year 2012 was quite exciting for me and my husband.

Debt 100

Debt 2017 Student 2016 100

Prairie Eco-Thrifter

APRIL 6, 2012

Budgeting and Economics. Wayne presents Purpose of Budgeting posted at Young Family Finance , saying, “Are you left wondering why you should budget? Find out the purpose of budgeting and whether it’s important for you. ” Managing Debt. Here are 5 steps to painlessly become debt free.

Money 133

Money Finance Personal Finance Real Estate 133

Prairie Eco-Thrifter

MAY 21, 2012

They key to DIY bliss on Pinterest is seeking out budget-friendly projects that don’t take weeks to complete. Related posts: How to Save Money on Gas 10 Easy Ways to Save Money How to Save Money Using a Prepaid Mastercard Save Money on Rent How to Be Green and Save Money. Are you a fan of Pinterest? Has it helped you save money?

Money 188

Money DIY Saving Money Saving 188

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. Food accounts for 15.6%

Budgeting 222

Budgeting Budget Credit Cards Transportation 222

Savings Corner

DECEMBER 24, 2023

Would renting for another year or two improve your financial standing? Create a housing budget The purchase price and down payment aren’t the whole picture. Setting a realistic budget for your new home will help inform how much you can afford and what your all-in costs will be. Make a list of what’s important to you in a home.

Real Estate 52

Real Estate Buy Buying Credit 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?

Budgeting 133

Budgeting Budget Financial Goals Goals 133

The Frugal Girl

JUNE 10, 2024

I want it to be what they want to wear within our budget! And neither of us is comfortable carrying debt beyond the mortgage. We took out an 80/20 adjustable rate, interest-only mortgage in 2005 to buy a house at the very top of our budget. It’s just not in our budget. I try to buy what’s on my list and nothing else.

Kids and Family 130

Kids and Family Thrifting Vacation Friends And Family Sale 130

For the Mommas

JULY 24, 2016

You can use the difference in income to pay off debt, save or invest. Rent instead of own. If you calculate your mortgage interest, the cost of insurance and maintenance, buying can be much more expensive than renting. And if you rent, save money and then invest the difference. 20 Tips for Frugal Living.

Frugal Lives 49

Frugal Lives Frugal Living Frugal Magazine and Newspaper Subscriptions 49

Prairie Eco-Thrifter

OCTOBER 5, 2014

Do you make enough money to cover your mortgage or rent, groceries, transportation, and other essential expenses, but find yourself on a treadmill of not being able to save? There’s no shame in ditching the second car and going down to a one car family to save money, pay back debt, or because you simply can’t afford the extras.

Budgeting 245

Budgeting Budget May Lunch 245

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

The Frugal Girl

NOVEMBER 13, 2023

One of the moves we made, out to Seattle, the only way we could make our budget work AND have me be home with our young kids, was to not own a vehicle at all. I’m not – I’m more of a spender, and struggled with budgeting as a young adult. We made a lot of Steak Diane that night.) We lived for 2.5 Yes to both!

Kids and Family 194

Kids and Family Parenting Cars Car 194

Prairie Eco-Thrifter

JUNE 14, 2012

Have a Budget Firstly, you must know where your money comes from and where in needs to go. This means you must have a budget and that budget must be accurate, complete and absolutely simple and easy to follow. If your current budget is so complicated you never look at it, sit yourself down and simplify it.

Simple 221

Simple Finance Budgeting Budget 221

Family Balance Sheet

OCTOBER 20, 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. We’re going to use the zero based budget as a guide for our monthly spending plan. Categories could include, but are not limited to: rent/mortgage.

Finance 100

Finance Organic Organization Budgeting 100

Family Balance Sheet

OCTOBER 8, 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. Categories could include, but are not limited to: rent/mortgage. This exercise is NOT your budget. Budget Financial Freedom Financial Organization'

Finance 113

Finance Money Organic Organization 113

The Frugal Girl

MARCH 4, 2024

When they got married, they bought a duplex so that the rent money from the tenant in the upstairs apartment would pay the mortgage. I track expenses, monitor our budget and handle all of our investments. He diligently maintained our car and our house, doing all the work himself. What’s the easiest/hardest part of being frugal?

Green And Frugal 182

Green And Frugal Kids and Family Hotel Frugal 182

Savings Corner

DECEMBER 27, 2023

When you invest in a money market fund, your money buys a collection of high-quality, short-term government, bank or corporate debt. Real estate Traditional real estate investing involves buying a property and selling it later for a profit, or owning property and collecting rent as a form of fixed income. How much money you have.

Real Estate 52

Real Estate Bank Banking Money 52