Motherhood Moments

FEBRUARY 7, 2023

Thankfully, people with bad credit are able to improve their credit score over time if they stick to a budget and practice responsible credit use.” Why are men more likely to think that buying a Valentine’s Day gift is worth going into credit card debt?

Valentines Day 130

Valentines Day Thrifty Debt Las Vegas 130

Family Balance Sheet

FEBRUARY 3, 2016

Today’s Debt Free Story is from Charissa. She helps readers gain control of their finances and live well on a budget at her blog Cook with a Shoe . Tell us about you and your family. 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

NOVEMBER 5, 2014

We put any extra money that would come in toward our debt. What are your top 3 – 5 tips for saving money/pinching pennies to put towards paying off your debt. Make paying off debt a priority. Look over your current budget. Who initiated the debt free goal? Actually making a budget!

Debt Free 241

Debt Free Debt Emergency Fund Finance 241

Family Balance Sheet

MAY 27, 2015

There were two things that inspired us to pay off debt. 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. I rarely use coupons. Budget – Obvious, I know.

Debt 100

Debt Debt Free Pay Off Debt Finds 100

Savings Corner

APRIL 4, 2024

These include: Your income is used to determine how much you can borrow. Your debt-to-income ratio helps lenders determine how much debt you already have compared to your income. Make sure to keep your credit score in the best shape possible and work on paying off debt to lower your debt-to-income ratio.

Debt 52

Debt Bank Banking Credit 52

Savings Corner

DECEMBER 24, 2023

How to use a debt consolidation calculator to control your debt It is easy to get overwhelmed with debt, but debt consolidation offers a solution. Bankrate’s debt consolidation calculator is designed to help you determine if debt consolidation is the right move for you.

Debt 52

Debt Calculators Credit Cards Credit 52

Family Balance Sheet

NOVEMBER 19, 2014

What are the top 3 – 5 ways you found money to put towards debt. We sold extra items that we weren’t using through Craigslist and garage sales. The software generated a monthly revenue, but we were able to sell them to pay off the rest of our debt immediately. How did you celebrate when you became debt free?

Debt 245

Debt Debt Free Finance Friends And Family Sale 245

Family Balance Sheet

FEBRUARY 2, 2017

She and her husband also used a visual motivation chart posted on their refrigerator. 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.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Family Balance Sheet

JUNE 22, 2020

This side hustle income was mainly used for the fun stuff, such as camping, home renovations & repairs, and needs for our kids. In 2020, we still use and are thankful for Medi-share. Our monthly costs have gone up since 2017, but we’re still paying much less than we would with traditional health insurance. Groceries.

Debt 130

Debt Health Insurance Insurance Budgeting 130

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! Angela & Jeff’s Debt Free Story. Tell us about you and your family. Did you follow a particular debt freedom plan or book, such as Dave Ramsey or Debt-Proof Living?

Debt 100

Debt Debt Free Budgeting Budget 100

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.) From start to finish it took us a very long time — I would guess 10 years. But it wasn’t a decade of nothing but paying off debt. Then my husband decided to pay off his car.

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Family Balance Sheet

OCTOBER 6, 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. Earlier this year, my husband and I wrote a specific list of financial goals and named it Our Debt Freedom Plan. Welcome to 31 Days to Organize Your Finances.

Financial Goals 113

Financial Goals Goals Finance Organic 113

Savings Corner

DECEMBER 27, 2023

To qualify you, lenders look at factors including your credit score, credit report and debt-to-income ratio. Lenders primarily use your financial and credit information to determine your rate, but may consider additional information like whether you own your home, your education level and your employer. What are personal loan rates?

Debt 40

Debt Home Improvement Consumer Credit 40

Family Balance Sheet

JANUARY 20, 2017

When we added my grad school loans to our other debts and our regular. strict budget. towards our debt. Little by little, we paid off each loan before moving. towards debt. We committed to using a cash budget, and we talked daily at. When the second loan was paid off, we used everything to go towards.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Family Balance Sheet

DECEMBER 10, 2014

What are the top 3 – 5 ways you found money to put towards debt. I started Careful Cents and used that as a platform to find freelance writing opportunities. The income from my extra jobs went straight to debt payments, and my regular day job paid the bills, while enabling me to build up a small amount of savings.

Debt 227

Debt Debt Free Financial Goals Goals 227

Family Balance Sheet

JUNE 16, 2015

Today’s Debt Free Story is from Lydia. She blogs about living a limitless life on a limited budget at Frugal Debt Free Life. Tell us about you and your family. I ended up spending the remainder of my pregnancy using a cane. How often do you and your spouse discuss your finances/budget/spending?

Debt 100

Debt Debt Free Finds Goals 100

Prairie Eco-Thrifter

SEPTEMBER 26, 2012

Here is what I think would work for me to beat lifestyle inflation: Pretend You’re Not Making More I’ve considered filling out a form with payroll at my work to transfer the difference between what I used to make and live on, and what I now make, into my savings account. Likely, there was a reason.

Debt 189

Debt Goals Money Bills 189

Family Balance Sheet

JANUARY 7, 2015

We were debt free before I was 30 , including our home. The only debt we had was a mortgage – however when we first got married we were stupid and bought a Mercedes. We ended up using my remaining collage savings to pay that off. How often do you and your spouse discuss your finances/budget/spending?

Debt Free 100

Debt Free Debt Budgeting Budget 100

Saving Cents With Sense

JANUARY 1, 2016

I know many of you are in similar situations of needed to save, but wanting to pay off debt, and eventually be able to put money in savings. Through lay offs, new jobs, new schools, illness, and everything else involved with a family, we have had our ups and downs. This site uses affiliate links. and much more.

Saving Money 40

Saving Money 2016 Money Pay Off Debt 40

For the Mommas

JANUARY 23, 2013

Saving more (52%), spending less (19%) and paying off debt (19%). Create a budget. that gym you no longer use.) By refinancing, consumers could quickly save hundreds of dollars every year without having to make significant cuts to their budget. Paying Off Debt.

Monitors 40

Monitors Credit Debt Consumer 40

Family Balance Sheet

AUGUST 5, 2015

My husband has always been the one who has felt the full weight of our debt. He was always trying to put us on budgets, help us look for ways to save and not spend so much but we never found a system that worked for us and continued in spending behaviors that didn’t help advance goals.

Debt 100

Debt Debt Free Finds Finance 100

Family Balance Sheet

APRIL 12, 2016

Tell us about yourself. I am used to moving a lot! I read it in two days and I was sold on the idea of being debt free. Share the top 3 – 5 ways you found money to put towards debt. Simply doing a budget. Definitely a monthly budget – I always create one every month. Where are you from?

Credit Cards 100

Credit Cards Debt Debt Free Student 100

Family Balance Sheet

JUNE 2, 2016

Of course, the British climate isn’t always kind, but I’m pleased to say the weather recently has been glorious and I’ve been making full use of it! Spending Audits Not Budgets – This might be a little controversial, but I tried budgeting and kept on failing. Are those jeans worth it? That electric drill?

Debt 100

Debt Finds Debt Free Pay Off Debt 100

Prairie Eco-Thrifter

OCTOBER 15, 2011

You will learn exactly what settings, plugins, and themes he uses. Don’t Quit Your Day Job: Refinance Your Mortgage and Pay the Same Amount? Good Financial Cents: What to Watch For With Debt Settlement Companies Considering using a debt settlement company? Why Do You Need One and How Does it Work?

October 200

October 2011 Finance Personal Finance 200

Saving Cents With Sense

DECEMBER 20, 2013

Start the New Year off right by making a commitment to save money and pay off debt. Look for sources of cash that you can tap into and pay down debt. This site uses affiliate links. Although gas prices have been lower lately, hovering around $3.20 per gallon during the holidays. All rights reserved.

Christmas 75

Christmas DIY Debt Pay Off Debt 75

Savings Corner

DECEMBER 24, 2023

Portions of this article were drafted using an in-house natural language generation platform. Key takeaways A personal loan is money you can borrow to finance large purchases, consolidate debt, invest in yourself or cover emergency expenses. A personal loan is money borrowed from a lender that can be used for nearly any purpose.

Debt 52

Debt Credit Cards Credit College Tuition 52

Family Balance Sheet

APRIL 9, 2021

Pay off all Non-Mortgage Debt. Our non-mortgage debt was in the six figures and included a student loan and business loans. We used Dave Ramsey’s debt snowball method. | Once those needs were out of the way, we could focus on paying off our debts, starting with our non-mortgage debt.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Savings Corner

APRIL 4, 2024

Home equity loans are best used for five-figure renovation or repair projects — which can garner you a tax deduction on their interest — or to consolidate other debts. You can use the funds from a home equity loan for any purpose, but there’s a possible tax benefit if you use the money to improve your home.

Home 52

Home Debt Credit Cards Credit 52

Family Balance Sheet

FEBRUARY 23, 2016

We want to crush our debts as quickly as possible, because quite honestly there are better things to do with our money then to send it off to creditors every month. 5 Steps to Crush Debt in 2016. 1 – Calculate your debt. Calculate how much debt you have by using my free Family Balance Sheet.

Debt 100

Debt Goals 2016 Calculators 100

Family Balance Sheet

JULY 2, 2015

However, with my husband being an architect and an overall really handy guy, we decided that fixing up the house and selling it could give us enough profit to at least pay off a big chunk of our debt. It took us two years of my husband working full-time at his job and then using every other second to work on the house.

Student 100

Student Debt Debt Free Finds 100

Family Balance Sheet

AUGUST 11, 2016

We charted out our course of action to pay off debts and start saving for retirement. Use my Family Balance Sheet excel spreadsheet to help you organize your finances. Although I have not personally used this resource. If not for that fund, we would most likely have used credit cards to survive.

Emergency Fund 100

Emergency Fund Money Finance Debt 100

Prairie Eco-Thrifter

JULY 4, 2011

This doesn’t mean you will always live with a cash budget, although you certainly could. My parents have helped us in the past. He used this email to save thousands of dollars on his last three car purchases. Thanks for letting us know your secret. JB from My University Money asks Are You Using LinkedIn?

Personal Finance 240

Personal Finance Finance Family Debt 240

For the Mommas

JULY 24, 2016

You can use the difference in income to pay off debt, save or invest. Ask around, see if someone you know may have an extra of something they’re not using and don’t need so they’d be happy to give it to you. Use accessories to add a touch of color and style. Use a 30-day list. Eat out less.

Frugal Lives 49

Frugal Lives Frugal Living Frugal Magazine and Newspaper Subscriptions 49