Prairie Eco-Thrifter

JUNE 30, 2014

My fiancé’s financial goal is to save up money for incidentals and emergencies (over and above our current fully-funded emergency funds), and then buy a really good truck and perhaps a boat with anything extra that hasn’t gone toward retirement or the emergency funds. Money Tips'

Financial Goals 189

Financial Goals Goals Emergency Fund Finance 189

Prairie Eco-Thrifter

JULY 16, 2014

To buy a home under the assumption that you’ll some day make a profit from it or rely on one source of income assuming it’ll always be available to you is financially foolish. Assumption #4: You’ll never have an emergency. When it comes to emergencies, it’s not so much a question of if, but rather, when.

Emergency Fund 174

Emergency Fund Insurance Recession Unemployment 174

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

Motherhood Moments

MARCH 4, 2023

Instead, you may want to check out thrift stores or buy classic, high-quality items that will last longer. 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

APRIL 11, 2020

I have written often about the importance of an emergency fund. We didn’t have enough cash saved to buy a car without a loan and that wasn’t sitting well with me. I will eventually buy a machine, but for now, my morning coffee is secure. Emergency Savings = Last Resort. I have been using it ever since.

Budgeting 246

Budgeting Budget Family Debt 246

Prairie Eco-Thrifter

MAY 30, 2012

So look at the take-outs you buy, the dinners out, the expensive designer coffees, the magazines, the impulse buys of things you really didn’t need, the ‘stuff’ you buy without thinking it through. Having Multiple Credit Cards Buying with credit cards leads to spending more than you earn and we all know where that leads.

Money 235

Money Emergency Fund Debt Financial Goals 235

Prairie Eco-Thrifter

JANUARY 16, 2014

Traditional investment advice says that you shouldn’t invest in the market until you are financially stable, have an emergency fund and have taken care of other basics, such as insurance of all kinds, debt removal and etc. Partner with trusted friends or relatives to buy as a group.

Emergency Fund 184

Emergency Fund Debt Money Father 184

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. Do you buy things you didn’t know you wanted until you saw them in the store? What about signs? Adjust your spending if you have to.

Emergency Fund 212

Emergency Fund Credit Cards Budgeting Budget 212

Prairie Eco-Thrifter

APRIL 3, 2014

What’s your thought process when you forget to buy or bring something you need? Unfortunately, with all your heightened negative emotions, the placating actions you chose may be counterintuitive, resulting in more poor spending choices- i.e. shop therapy, impulse buying, running up a bar tab, etc. Denying and Prolonging the Problem.

Emergency Fund 218

Emergency Fund Debt Bills Money 218

For the Mommas

JANUARY 19, 2016

Add to Your Emergency Fund. An emergency fund can never have too much money in it. If you have an emergency fund to add to, then add to it. Take the family out to a movie, stay overnight at a local hotel, or buy yourself that new outfit you had in mind. A little amount now can add up to a lot later.

Taxes 40

Taxes Emergency Fund Debt Money 40

Prairie Eco-Thrifter

MAY 20, 2014

It’s one thing to have a couple thousand dollars in an emergency fund. Do you have enough money to buy an investment property? Do you have enough money to buy an investment property? You could flip a house, or buy a multi-family complex and rent out the units.

Money 200

Money Emergency Fund Work Advantage 200

Prairie Eco-Thrifter

JULY 10, 2014

But I also have bills to pay and it’s important to buy healthy foods for my family to eat. I know that I need to buy certain things for my home, for upkeep. Money is automatically deposited into the retirement and emergency fund accounts, as well as to my son’s 529. These are the things most important to me.

Budgeting 218

Budgeting Budget Work Making 218

Penny Pinchin' Mom

JANUARY 16, 2024

Create a Spending Mantra There’s no escaping expenses; we need to buy things and spend money to live. Every time I want to buy something, I simply ask myself, is this (whatever it is I want to buy) better than going to Thailand next year?” One way to limit how much we spend is to create a spending mantra.

Personal Finance 52

Personal Finance Finance Tips Finance Mom 52

Prairie Eco-Thrifter

FEBRUARY 4, 2014

This means that after we take care of retirement and emergency fund contributions, and after everything else is taken care of, we have enough to do what we like. The Spending Plan Mentality Imagining Your Retirement Reader Question: How Much Money Do I Need To Buy My First… Do You Have an Income Problem? Money Tips'

San Francisco 248

San Francisco Emergency Fund Money Utah 248

Savings Corner

DECEMBER 25, 2023

Decide between leasing and buying Whether you’re leasing or buying a car makes a difference in what you can afford. Buying places you fully in the driver’s seat with no mileage limits or additional charges for wear and tear. Use a leasing versus buying calculator to calculate your potential savings.

Cars 52

Cars Car Insurance Calculators 52

Prairie Eco-Thrifter

SEPTEMBER 16, 2013

Whether you’re being impulsive with a magazine in the checkout line at the superstore, or impulsively calling in to buy a $300 blender from a 3:00 AM infomercial, nothing good can come of financial impulsiveness. Consumerism. Of course consumerism is a deadly sin of finance.

Personal Finance 222

Personal Finance Finance Consumerism Debt 222

Prairie Eco-Thrifter

MARCH 14, 2013

Now is the time to watch every penny that you spend, so that you can purchase more in the same budget or even better, put that money in emergency funds. Don’t buy anything that is not on the list unless you forgot something truly important. We know that times are tough. I mean, really tough. Carry Snacks.

Saving Money 222

Saving Money Money Bills Insurance 222

Prairie Eco-Thrifter

AUGUST 10, 2014

If you borrow to buy your car, the lender might require you carry insurance so that the loan can be paid off if something happens to the vehicle. If you have the resources, or you build up a good emergency fund, there are some types of insurance you might not need. In some cases, you are required to carry insurance.

Insurance 193

Insurance Life Insurance Health Insurance United States 193

Prairie Eco-Thrifter

DECEMBER 6, 2012

Your wants are things you can do without, especially if you do not have the money to buy them. Yes, but before you run out to buy them because they are on sale, ask yourself this “How many other pairs of jeans are in my closet?” Your needs are crucial, and include things like food, water, clothes, transportation, etc. Shop Sales.

Bank 265

Bank Banking Money Saving 265

Prairie Eco-Thrifter

JUNE 4, 2013

The reason for having these measures is to prevent me from having to constantly fiddle with some of my automatic transfers to my emergency fund, retirement account, and quarterly estimated tax fund. Most of the time, my planning works out well, and there are no problems; it’s usually very smooth.

Emergency Fund 243

Emergency Fund Money Bills Credit Cards 243

Prairie Eco-Thrifter

OCTOBER 26, 2014

Make a list of all of the family and friends you buy for and how much you usually spend. Take these steps to determine how much money you’ll need to spend and then to lower your costs. Estimate how much you’ll need. The first step is to estimate how much you’ll need this holiday season.

Holiday 169

Holiday Emergency Fund Homemade Eating Out 169

Prairie Eco-Thrifter

AUGUST 15, 2012

You don’t want to overwhelm your budget , so buy items in an orderly manner. Each week, buy something on your food storage list. Limit yourself to buying only what you can afford each week. In some cases, you might feel as though you need to buy something more expensive. There’s no need to go overboard.

Storage 229

Storage Building Home Bank 229

Prairie Eco-Thrifter

JULY 4, 2011

Tim from How to Make Bankable Savings discusses Buy Versus Rent: Non-Financial Considerations are Ke y The decision to buy or rent your home involves more than a financial analysis. Squirrelers from Squirrelers presents The Case for a Bigger Emergency Fund. “The family is the school of duties- founded on love.&#.

Personal Finance 240

Personal Finance Finance Family Debt 240

Savings Corner

FEBRUARY 2, 2024

does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments. Overall, there is no one answer for how much you should have in savings , but an ideal target for an emergency fund is enough to cover three to six months’ worth of basic expenses.

Calculators 52

Calculators Saving Bank Banking 52

Prairie Eco-Thrifter

NOVEMBER 12, 2011

My Journey to Millions: No Research Reasons Why I Like Mature Dividend Paying Stocks – While most people don’t talk about it in this manner anymore, when you buy a share of a company you are buying into the business. If I am to buy into any business I want to know revenue, profit, and how I am going to share in those amounts.

November 188

November 2011 Personal Finance Finance 188

Family Balance Sheet

SEPTEMBER 9, 2014

Travel, buy fun stuff, give gifts, help others, work if I feel like it and not if I don’t, etc. 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. 4. , asking for discounts every time you buy something, etc.

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Finally Frugal

JANUARY 17, 2011

I know I'll put this on my credit card (and immediately pay it off, of course), though I'm hemming and hawing about whether to take it out of my fairly healthy emergency fund (is it really an emergency if I could have prevented it by simply taking the car to MY mechanic weeks or months ago?) Bad, bad, bad.

Emergency Fund 45

Emergency Fund Debt Cars Car 45

Prairie Eco-Thrifter

JANUARY 22, 2012

They’re great at giving advice on stuff like frugality, extra income, budgets and emergency funds, but most lack in the area of investments. What To Buy? Depending on how much money you have, you’ll either want to use mutual funds or exchange traded funds. Let’s start with mutual funds.

Finance 187

Finance Emergency Fund Re-use Simple 187

Family Balance Sheet

JANUARY 3, 2012

We are very excited about the possibility of being completely debt-free and there are two things that have made it a possibility: (1) We made a very conscious decision 10 years ago to buy a house below our means and (2) we made a risky decision 18 months ago to convert our mortgage to a HELOC.

Financial Goals 127

Financial Goals Goals 2012 Emergency Fund 127

Prairie Eco-Thrifter

OCTOBER 21, 2012

Kathleen from Frugal Portland shares More thoughts on buying a house. Nicole from Nicole and Maggie: Grumpy Rumblings Ask the grumpies: when to buy vs. rent. Can buying new ever be cheaper than buying used?” I mean, we want to live long enough to enjoy those retirement riches right?! The Best of The Rest.

Personal Finance 219

Personal Finance Finance Debt Money 219

Prairie Eco-Thrifter

NOVEMBER 30, 2014

Her secret was paying attention to what stocks her successful boss was buying and selling, and often following suit to a smaller degree. We have enough to live on from other sources and an emergency fund. Put the dividends and capital gains to work buying more shares. Gladys Holm. Donald and Mildred Othmer. Keep saving.

Virginia 160

Virginia Money Real Estate Growing 160

Penny Pinchin' Mom

MARCH 11, 2024

Whether you are looking to save extra money for your emergency fund and potential unexpected expense, a new kitchen, or your kids’ college tuition—you name it—you will require self-discipline and a plan to reach any financial goal. Buy in Bulk Apart from using coupons, I advocate buying in bulk when at the grocery store.

Saving Money 52

Saving Money Money Saving Credit Cards 52

Prairie Eco-Thrifter

OCTOBER 20, 2014

Good thing we have that emergency fund because this won’t be cheap to fix. How will you feel when you get ready to sell and end up re-doing that kitchen so someone will buy your house? Apparently there is water seeping through the bermed wall somehow and then down onto the porch floor.

Saving Money 162

Saving Money Money Saving Emergency Fund 162

Savings Corner

APRIL 4, 2024

It’s also why low-risk plays make for better short-term investments or a stash for your emergency fund. You can buy the Series I bond from TreasuryDirect.gov, which is operated by the U.S. Why invest: All of these are highly liquid securities that can be bought and sold either directly or through mutual funds.

April 52

April Lowes CD Bank 52

Prairie Eco-Thrifter

OCTOBER 15, 2011

Money Cone: 9 Impulse Buys that Turned Out Better than Expected We’ve all bought stuff based on commercials that turned out nothing like how it was advertised. Sometimes we buy stuff on a whim, only to be disappointed later. But not all my impulse buys have been duds. Personal Finance Whiz : What Is An Emergency Fund?

October 200

October 2011 Finance Personal Finance 200

Family Balance Sheet

JANUARY 20, 2017

emergency fund, so we started throwing what little extra we had straight. Also buy produce as it is in season. buy things marked down at the end of the season so we have a good. 2 – I also will continue meal planning and buying sales for groceries. Eating out, buying shoes, whatever. towards debt.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Prairie Eco-Thrifter

NOVEMBER 4, 2016

His idea was to buy some land, a bit outside his own area and develop it into an estate type community – homes with acreage. First, you need an emergency fund, to handle things like being laid off, the washing machine failing or the dog needing surgery. Stock market investors. Lenders who invest.

Real Estate 100

Real Estate Money Bank Banking 100