Prairie Eco-Thrifter

JANUARY 1, 2013

Lack of An Emergency Fund . One of the most common disastrous finance mistakes is not having any sort of financial back-up for emergencies. Experts recommend an emergency fund of at least six month’s salary as essential, especially if you are struggling to make ends meet.

Emergency Fund 272

Emergency Fund Credit Cards Personal Finance Finance 272

Family Balance Sheet

JANUARY 21, 2015

Finally, we took the dive by making a budget and starting our debt snowball. The budget is key. I told Kelvin and he wasn’t overly excited, but he was on board right away and was pretty complicit in the budget making and accelerated debt pay-off. How often do you and your spouse discuss your finances/budget/spending?

Debt 100

Debt Debt Free Las Vegas Finance 100

The Frugal Girl

JANUARY 29, 2024

We’re meeting an Arkansas reader today and initially, I thought she was the first one! Multi-pronged answer here: historically it was hard-wired in my DNA as a necessity but also being a good steward of what we’re blessed with & being able to give/help others; having enough for emergency funds was always a high priority as well.

Arkansas 181

Arkansas Frugal College Kids and Family 181

Prairie Eco-Thrifter

MAY 27, 2012

See if you can identify with any of these statements: I spend more than I earn I don’t have a household budget I use credit cards all the time to buy everyday essentials like food, gas, transport. Create a Budget If you don’t have an up-to-date budget, create one. If your budget doesn’t have a savings amount, put one in.

Emergency Fund 212

Emergency Fund Credit Cards Budgeting Budget 212

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. The bottom line Being realistic with your budget will help you avoid pinching pennies after bringing your new ride home.

Cars 52

Cars Car Insurance Calculators 52

Family Balance Sheet

FEBRUARY 2, 2017

Meet The Achievers: Deacon and his wife paid off $52,000 in debt in 18 months. 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. Then create a plan to get there.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Family Balance Sheet

JANUARY 20, 2017

Meet Krystal. working full time at a low-paying job and going to grad school full time, while my husband was working multiple jobs just to help us make ends meet. strict budget. emergency fund, so we started throwing what little extra we had straight. We committed to using a cash budget, and we talked daily at.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Prairie Eco-Thrifter

NOVEMBER 12, 2011

Money Talks Coaching: Finding Your Emergency Fund – I hear you saying “I know emergency funds are important, but how am I supposed to save money when I can’t even pay my bills?” Today I’m going to talk about getting those emergency funds going. Smart Family Finance: Is Your Budget Easy to Beat?

November 188

November 2011 Personal Finance Finance 188

Family Balance Sheet

JANUARY 1, 2015

In 2014, the Grocery Budget Challenge encouraged us to keep our grocery spending in line and to be creative with our meal planning so that we do not over-spend. Weekly Meals on a Budget. Maintaining a grocery budget is a weekly process for me. When I blow off meal planning, I blow up our grocery budget.

2015 100

2015 Money Debt Home and Garden 100

Family Balance Sheet

FEBRUARY 4, 2015

I wasn’t comfortable keeping only $1,000 in an emergency fund with two little ones and just one income, so we didn’t follow that part of his plan. Dave’s zero-based budget and Debt snowball concept were critical to getting us on the path to paying off our debt fast. Then commit to taking one small first step.

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Family Balance Sheet

SEPTEMBER 29, 2016

Meet Angela. 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! 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.

Debt 100

Debt Debt Free Budgeting Budget 100

Family Balance Sheet

FEBRUARY 3, 2016

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. We followed a budget and switched to using cash, which helped us stay on track with the budget.

Debt 100

Debt Debt Free College Finds 100

Prairie Eco-Thrifter

JUNE 20, 2012

Working out how much the down payment would be is only half the answer – you’ll also need to work out what is affordable on your budget once you’ve factored outgoings and debts into the bargain. It’s also a good idea to know that you’ve got an emergency fund buffer in reserve for those unexpected expenses that will inevitably crop up.

Money 186

Money Home Debt Buy 186

Family Balance Sheet

FEBRUARY 10, 2017

” To get through that time, we crafted our Debt Freedom Plan , based on Dave Ramsey’s Baby Steps, but tailored to meet our own needs and self-employed lifestyle. Our extra funds went towards our cash flow. At that time, I couldn’t cash flow the office budget, home budget, our loans, and retirement savings.

Debt 100

Debt 2017 Student 2016 100

Savings Corner

DECEMBER 25, 2023

USDA loans are for rural and suburban home buyers who meet the program’s income limits and other requirements. Other considerations to determine your down payment Your mortgage payment is just one piece of your overall household budget. USDA loans , backed by the U.S. down if you have a credit score that’s at least 580.

Insurance 52

Insurance Home Refinancing Money 52

Family Balance Sheet

MAY 27, 2015

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). Budget – Obvious, I know. I rarely use coupons.

Debt 100

Debt Debt Free Pay Off Debt Finds 100

Family Balance Sheet

AUGUST 11, 2014

I have enjoyed belly dancing and pilates the last several years, but time and budget reduced from my schedule. Use this to develop a budget & determine where you will cut back. (If If you do a budget without awareness of your blind spots, you don’t know where you need to cut.). How much debt did you pay off?

Debt Free 235

Debt Free Debt Mom Goals 235