Family Balance Sheet

MAY 6, 2020

For many households, their finances and budgets are in limbo. Our emergency fund. I am totally paraphrasing the year, but had it not been for the money in our emergency savings, we would most likely have used credit cards to survive. We have hit uncertain times and this pandemic has felt like a wall that is unscalable.

Debt 130

Debt Emergency Fund 2007 2020 130

Family Balance Sheet

NOVEMBER 5, 2014

Because we wanted to get out of debt as fast as possible, we stopped saving money after we had an emergency fund in place. Look over your current budget. We had financial advisors look over our budget and make suggestions about what we could cut. How often do you and your spouse discuss your finances/budget/spending?

Debt Free 241

Debt Free Debt Emergency Fund Finance 241

Motherhood Moments

MARCH 4, 2023

Set a budget and follow it consistently. The first line of defense against debt is to make a budget and keep to it. Emergencies do happen, so it's essential to have a savings cushion to fall back on when unexpected expenses pop up. Automating your savings towards an emergency fund makes this process easier and less painful.

Debt 130

Debt Money Building Credit Cards 130

Family Balance Sheet

OCTOBER 18, 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. Day 3: I took 4 days off due to an unexpected family emergency. Thanks for understanding! Day 10: Create a Personal Escrow Fund. Day 13: Create an Emergency Fund.

Finance 124

Finance Organic Organization Emergency Fund 124

Prairie Eco-Thrifter

JANUARY 19, 2015

Yet, too often we make excuses not to save money, or we feel like our budget is just too tight to save. There are tricks you can use to save more money even IF your budget is very tight. Earmark this money for an emergency fund, a new car fund, a vacation fund, whatever you would like.

Money 100

Money 2015 Emergency Fund Bills 100

Family Balance Sheet

OCTOBER 31, 2014

During the series, we talked 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. Day 3: I took 4 days off due to an unexpected family emergency. Thanks for understanding! Day 10: Create a Personal Escrow Fund.

Finance 100

Finance Organic Organization Emergency Fund 100

Family Balance Sheet

OCTOBER 15, 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. Every month, we set aside money in our budget to cover our basic car maintenance. Budget Financial Organization' Welcome to 31 Days to Organize Your Finances.

Finance 100

Finance Organic Organization Emergency Fund 100

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. So you aren’t alone!

Personal Finance 52

Personal Finance Finance Tips Finance Mom 52

Family Balance Sheet

FEBRUARY 2, 2017

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. Related Reading: Check out Deacon’s free Starter Budget Form. Then create a plan to get there.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Family Balance Sheet

JANUARY 26, 2016

That was the month I didn’t know if we had enough funds to cover our expenses. 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. We will continue to save for travel and it is already part of our budget.

Financial Goals 100

Financial Goals Goals 2016 Debt 100

Family Balance Sheet

JANUARY 20, 2017

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. and using all of our extra funds, like bonuses from work and tax returns, we were able to pay everything off in 4 years! 1 – Set a budget. towards debt.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 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 the real work began!

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Prairie Eco-Thrifter

JULY 4, 2011

Thanks for the honesty. This doesn’t mean you will always live with a cash budget, although you certainly could. Thanks for letting us know your secret. Squirrelers from Squirrelers presents The Case for a Bigger Emergency Fund. Is the conventional advice of keeping a 3 to 6 month emergency fund still valid?

Personal Finance 240

Personal Finance Finance Family Debt 240

Family Balance Sheet

JANUARY 1, 2015

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. 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.

2015 100

2015 Money Debt Home and Garden 100

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

Family Balance Sheet

JANUARY 3, 2012

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. Thanks for reading. This might take us 2 years to achieve. I'm not even sure how much we will need to save.

Financial Goals 127

Financial Goals Goals 2012 Emergency Fund 127

Prairie Eco-Thrifter

OCTOBER 21, 2012

Danielle from Saving Without A Budget shares 5 Smart Investing Tips for 2012. Matt from Budget SNOB presents Personal Finance Advice That Takes Only Minutes To Read, But Will Help For Years To Come. Specifically, how important emergency fund planning was for a couple with a veterinary emergency at their home.”

Personal Finance 219

Personal Finance Finance Debt Money 219

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. – Thankful for any and all advice!

November 188

November 2011 Personal Finance Finance 188

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! The first thing we did was to review our spending and create a budget. Once we did our budget, we found that we could put all of that money that once disappeared towards our debt.

Debt 100

Debt Debt Free Budgeting Budget 100

Family Balance Sheet

SEPTEMBER 9, 2014

I needed to count on myself and support my son, and that meant getting my financial life in order, starting with building an emergency fund for the first time. Building an emergency fund also helps enormously. How often do you and your spouse discuss your finances/budget/spending? Thanks for interviewing me!

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Saving Everyday

FEBRUARY 15, 2014

Five Ways to Build Your Emergency Fund FAST! Basic Steps for Setting up a Budget by Frugal Living Mom. Helping You Keep a Healthy Budget by More Than A Mom Of Three. 8 Budget Fitness Tips – Work Your Body NOT Your Wallet by Thrifty Jinxy. Budget Organic – How to Spend Less for Organic Foods by Jinxy Knows Best.

Saving Money 71

Saving Money Frugal Money Thrifty 71

Saving Everyday

JANUARY 1, 2015

Thanks to all the awesome bloggers who helped compile this list! Five Ways to Build Your Emergency Fund FAST! Basic Steps for Setting up a Budget by Frugal Living Mom. Helping You Keep a Healthy Budget by More Than A Mom Of Three. 8 Budget Fitness Tips – Work Your Body NOT Your Wallet by Thrifty Jinxy.

Saving Money 40

Saving Money Frugal Money Thrifty 40

The Frugal Girl

JANUARY 29, 2024

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. This means funds are tight. Don’t even talk to me about retirement!

Arkansas 181

Arkansas Frugal College Kids and Family 181

Family Balance Sheet

JUNE 22, 2020

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. In 2020, we still use and are thankful for Medi-share. Why We Chose Medi-Share, an affordable solution to traditional health insurance. Groceries.

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 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

Thank you for asking such an important question Alicia. 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. This will enable you to see options that are within your budget.

Money 186

Money Home Debt Buy 186

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