Family Balance Sheet

APRIL 25, 2019

Welcome to the 2019 Christmas Savings Club. The club is open to anyone who wants monthly accountability to save for a cash Christmas. This should cover my tentative 2019 Christmas budget that I based on what we spent in 2018. I’m challenging myself to find the cash outside of our budget. My monthly goal is $100.

2019 100

2019 April Club Christmas 100

Family Balance Sheet

SEPTEMBER 25, 2019

Welcome to the 2019 Christmas Savings Club. The club is open to anyone who wants monthly accountability to save for a cash Christmas. This should cover my tentative 2019 Christmas budget that I based on what we spent in 2018. I’m challenging myself to find the cash outside of our budget. My monthly goal is $100.

2019 100

2019 September Club August 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. How to Save for College with Upromise: The first step to saving for college with Upromise is to join.

College 130

College Used 2020 Saving 130

Family Balance Sheet

OCTOBER 25, 2019

Welcome to the 2019 Christmas Savings Club. The club is open to anyone who wants monthly accountability to save for a cash Christmas. This should cover my tentative 2019 Christmas budget that I based on what we spent in 2018. I started the year challenging myself to find the cash outside of our budget.

2019 100

2019 October Club Christmas 100

Family Balance Sheet

JANUARY 25, 2013

On the 25th of every month from January to November, I'm holding a viral meeting for the Christmas Savings Club , a monthly accountability to help us save for a cash Christmas. As outlined in the first post , your goal this past month was to create a budget for your Christmas spending. So, how did I do in January?

Christmas 127

Christmas Club Goals Budgeting 127

Family Balance Sheet

JANUARY 2, 2013

Another Christmas has passed by and while the memory of the Christmas shopping and spending is still lingering in my head, I've come up with a plan for all of us to start saving for 2013. Unless it's paid with cash, that is one hefty credit card bill come January. a "I don't have to worry, because I've saved money" Christmas.

2013 113

2013 Christmas Club January 113

Savings Corner

DECEMBER 24, 2023

What you need to know about the best savings accounts What do the best savings accounts have in common? The best savings account interest rates are around 5%. At a brick-and-mortar bank, you’ll often find savings rates closer to the national average, which is currently 0.46%.

Savings Account 52

Savings Account January 7-Up Insurance 52

Family Balance Sheet

APRIL 25, 2013

On the 25th of every month from January to November in 2013, I''m holding a virtual meeting for the Christmas Savings Club. The goal for this monthly accountability meeting is to give updates on our progress, motivate one another and help all of us save for a cash Christmas. On with the meeting. How did I do in April?

April 100

April Club Christmas Goals 100

Family Balance Sheet

MARCH 25, 2013

On the 25th of every month from January to November in 2013, I'm holding a virtual meeting for the Christmas Savings Club. The goal for this monthly accountability meeting is to give updates on our progress, motivate one another and help all of us save for a cash Christmas. Also let us know how you saved the money.

March 100

March Club Christmas Goals 100

Family Balance Sheet

MAY 25, 2013

On the 25th of every month from January to November in 2013, I''m holding a virtual meeting for the Christmas Savings Club. The goal for this monthly accountability meeting is to give updates on our progress, motivate one another and help all of us save for a cash Christmas. Christmas Savings Club'

Club 100

Club Christmas May Goals 100

Family Balance Sheet

JUNE 25, 2013

We''ve been working towards a goal of a cash Christmas since January and it''s not too late for you to join in. On the 25th of every month from January to November in 2013, I''m holding a virtual meeting for the Christmas Savings Club. My offer for a FREE Christmas Gift & Spending Budget excel spreadsheet is still available.

June 100

June Club Christmas Goals 100

Family Balance Sheet

JULY 25, 2013

On the 25th of every month from January to November in 2013, I''m holding a virtual meeting for the Christmas Savings Club. The goal for this monthly accountability meeting is to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. Happy 5 months til Christmas!

Club 100

Club Christmas July August 100

Family Balance Sheet

AUGUST 28, 2013

On the 25th of every month from January to November in 2013, I''m holding a virtual meeting for the Christmas Savings Club. The goal for this monthly accountability meeting is to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. Happy 4 months til Christmas!

August 100

August Club Christmas Goals 100

Family Balance Sheet

JUNE 25, 2011

We usually use a credit card to buy our Christmas gifts and then pay the balance off in January. This past January, I looked at what we spent on Christmas gifts in 2010 and reduced it by 20%. It was a great strategy that first month, but I haven't been diligent enough to transfer the money to our savings account.

Christmas 157

Christmas Credit Cards January Budgeting 157

Family Balance Sheet

APRIL 1, 2021

Our emergency fund has saved us countless times and it will save us once again with the truck. If you are self-employed, work for a company or in an industry that is unstable, or maybe you or someone in your family has medical issues, you might want to save 6-12 months of expenses. But the truth is, we have the money.

Emergency Fund 130

Emergency Fund Money Finds Friends And Family Sale 130

Family Balance Sheet

SEPTEMBER 13, 2017

It was effective on January 1, 2017 and to be honest, I didn’t think I would have much to say about it through out the year. He had his scheduling assistant call Medi-Share to confirm to save us the time. Our monthly share (think: a premium) started at $343 in January. We chose a $10,000 annual household portion.

2017 100

2017 Health Insurance September Insurance 100

For the Mommas

OCTOBER 13, 2016

The Best Cash Back Sites to Save on Holiday Shopping. We all need to decide on a budget, who we are buying for, how much to spend on each person etc. Now cashback isn’t instant savings. Maybe even use to start up a 2017 holiday savings account. I use it to treat myself, but you can use it however you wish.

Holiday 40

Holiday Shopping Credit Cards 2017 40

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

Saving Everyday

APRIL 24, 2012

Starting January 2012, we set up an automatic withdraw to a new “vacation savings account” of $25 a week. But since our trips also include visiting my family for a week or so, we always spend more than what we’ve budgeted. If I don’t use them for a trip, I save the for Christmas).

March 86

March Disney Friends And Family Sale Vacation 86

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

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. 2 Additional Goals: If we save the $10k early, we’d like to work on the following 2 goals. Save for a camper upgrade.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

Family Balance Sheet

FEBRUARY 9, 2018

That was a hit to our budget, but we reworked our numbers to find the funds and make it fit. We started using it in January 2017 and I wrote all about it, so I won’t rehash it all here. As soon as she was able, she caught up with her school work, and was on track when she returned to school on January 2.

Health Insurance 113

Health Insurance Insurance 2017 Bills 113

Coupons Do Work

JUNE 15, 2016

The Best Time to Buy Anything During the Year from January to December. What you can save on, what to expect to go on sale, each month, a list of awesome things to stock up on for the entire year ! … This is a way to plan your purchases by month for the entire year and a great way to budget and save money!

Flowers and Plants 100

Flowers and Plants Cinco De Mayo Buy Buying 100

Family Balance Sheet

FEBRUARY 25, 2013

On the 25th of every month from January to November in 2012, I'm holding a viral meeting for the Christmas Savings Club. The goal for this monthly accountability meeting is to give updates on our progress, motivate one another and help all of us save for a cash Christmas. Also let us know how you saved the money.

February 100

February Club Christmas Goals 100

Family Balance Sheet

MARCH 17, 2017

The new monthly payment would have left us ‘insurance poor’ On top of that bombshell discovery, we realized the insurance plans that were being offered to us were NOT compatible with a health savings account, a tax deductible savings vehicle offered to those with high deductible health plans.

Health Insurance 164

Health Insurance Insurance Health Bills 164