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. Find yours and use it to make extra cash.

Personal Finance 52

Personal Finance Finance Tips Finance Mom 52

Family Balance Sheet

JANUARY 26, 2016

At the time, we had 4 business loans and 1 student loan that were weighing on us, so we created our Debt Freedom Plan. You can only cut so much from a budget, so to fill in our shortfall, we’ll need to also earn extra income by growing our small business and growing my blog income. Earn Additional Income. Home Projects.

Financial Goals 100

Financial Goals Goals 2016 Debt 100

Prairie Eco-Thrifter

MAY 25, 2014

When I’d do things like take out student loans even though I had a full-tuition scholarship and a sweet part-time job in the university cafeteria. Me from 15 years ago would get an earful about what not to do, and advice on budgeting and saving and staying out of debt. Or put yet another trip to Las Vegas on the credit card.

Money 209

Money Giving Las Vegas Credit Card Rewards 209

Prairie Eco-Thrifter

JULY 4, 2011

Ryan from The Financial Student talks about Getting Rid of Student Loans. Some people find themselves buried under student loan debt with little chance of ever paying it off. This doesn’t mean you will always live with a cash budget, although you certainly could. Being prepared financially is a must for a healthy budget.

Personal Finance 240

Personal Finance Finance Family Debt 240

Family Balance Sheet

JANUARY 20, 2017

medical bills, a small credit card, both of our cars, and student loans. cars, and finally our student loans. 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. 1 – Set a budget. We are debt.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Family Balance Sheet

FEBRUARY 4, 2015

As many students do these days, we had tens of thousands of dollars of debt by the time we graduated with our Masters degrees. We bought into the myth that student loan debt is “good debt” and that it was better to “invest” in buying a home instead. I cut our grocery budget down to less than half of what it was.

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Family Balance Sheet

SEPTEMBER 29, 2016

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! We had two student loans that still had balances, even though we’d already been paying on them for 10 years. The first thing we did was to review our spending and create a budget.

Debt 100

Debt Debt Free Budgeting Budget 100

Family Balance Sheet

JANUARY 3, 2012

This includes our mortgage and my husband's student loan. Increase Family Emergency Fund to Six Months Salary. Retirement saving has been a permanent part of our monthly budget for the entire eleven years that we have been married and this will not change. I'm not even sure how much we will need to save.

Financial Goals 127

Financial Goals Goals 2012 Emergency Fund 127

Family Balance Sheet

SEPTEMBER 9, 2014

About $52,000 of that $147K was consumer debt (credit cards, a student loan, a car loan, a home improvement loan, etc.) After we got a taste of life without credit card debt, I wanted to pay off my student loan. While I was paying off my student loan I kept hearing about this Dave Ramsey guy, so read up on that method.

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Family Balance Sheet

JANUARY 21, 2015

We paid down mostly student loans, vehicles and business credit card debt ( we already own a home outright ). Finally, we took the dive by making a budget and starting our debt snowball. The budget is key. How often do you and your spouse discuss your finances/budget/spending? So I work the budget and spreadsheets.

Debt 100

Debt Debt Free Las Vegas Finance 100

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. When people hear the word budget, they think “restriction” and “no fun”, but honestly that couldn’t be further from the truth. Another way to think of a budget is a spending plan.

Budgeting 133

Budgeting Budget Financial Goals Goals 133

Family Balance Sheet

JANUARY 17, 2018

Move up the Student Loan Payoff Date. You can only cut so much from a budget, so to increase our cash flow, we’ll need to earn extra income by growing our small business and growing my blog. However, there are a few things that we will not give up so I will need to include them in our budget. Save a starter Home Emergency Fund.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

Family Balance Sheet

FEBRUARY 10, 2017

However, we have one non-mortgage loan left, the behemoth student loan that I was hoping to pay off in 2016. 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. So here is our scenario: The student loan is 2.75% interest.

Debt 100

Debt 2017 Student 2016 100

Family Balance Sheet

JUNE 22, 2020

Aside from the mortgage, we also added equipment and renovation loans with the purchase, and we had a student loan. As part of his baby steps, he does not advocate contributing to retirement until after you’ve paid off non-mortgage debts and saved 3-6 months of expenses in an emergency fund. What could possibly go wrong?

Debt 130

Debt Health Insurance Insurance Budgeting 130

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 also wanted to pay off the student loans he had, and see him graduate without occurring any more debt. I would say that this plan helped me more in the area of using a zero-based budget and sticking with a budget.

Debt 100

Debt Debt Free College Finds 100

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. And this is just on a mortgage, not including any credit card or student loan debt. Budget – Obvious, I know. I rarely use coupons.

Debt 100

Debt Debt Free Pay Off Debt Finds 100