Prairie Eco-Thrifter

DECEMBER 15, 2011

Lenders will use your credit score and credit history to work out how much of a risk it may be to approve you for a mortgage so you can help your cause by making sure that your credit report is in order. Buying a house is a serious decision and it should not be taken lightly or rushed in to. Look at your credit score.

Buy 185

Buy Buying Credit Calculators 185

Family Balance Sheet

FEBRUARY 4, 2015

Today’s Debt Free Story is from Shannon. Tell us about you and your family. They keep us very busy! How much debt did you pay off? What kind of debt was it? As many students do these days, we had tens of thousands of dollars of debt by the time we graduated with our Masters degrees. Where are you from?

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Prairie Eco-Thrifter

MAY 16, 2013

We are definitely looking forward to a long weekend. Check them out: Good Reads From The Blogosphere: When you’re aggressively trying to pay down debt, you may feel that you’ve done all you can to curb your expenses, but have you really? How to Get Out of Unemployment posted at Debt Free Blog. Think Again.

Fridays 187

Fridays Debt Unemployment Rent 187

Prairie Eco-Thrifter

FEBRUARY 14, 2013

I have definitely been falling behind on all of these fronts. There were as always great reads out this week which I have highlighted below: Good Reads From The Blogosphere: If you’re struggling to stay afloat with your finances, Grayson at Debt Roundup highlights how the first step to recovery is to admit you don’t have a budget.

Debt 171

Debt Fridays Finance Re-use 171

Family Balance Sheet

JUNE 22, 2020

It was so big that I cried for two days straight– we paid off six figures in non-mortgage debts. How we got to six figures of non-mortgage debt: In the summer of 2012, we found an opportunity to purchase an office building for our small business. After the first year, the new business debt weighed on me.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Family Balance Sheet

APRIL 12, 2013

"Debt is Dumb, Cash is King" - Dave Ramsey. He has successfully inspired thousands of people to a life free of credit cards and debt. It just seemed easier to us to carry and use credit cards versus cash. We used them for everything, from groceries and restaurants to gas and clothing and everything in between.

Credit Cards 100

Credit Cards Credit Debt March 100

Family Balance Sheet

JULY 9, 2014

When my husband and I wrote our Debt Freedom Plan earlier this year, we made a commitment to scrutinize our monthly expenses to find money to put towards our plan. We use the gym, so we’ve never felt like it was a waste of money. For a glimpse at what I buy and what we eat, read How I Spent $425 in March. Gym Membership.

Grocery Spending 242

Grocery Spending Financial Goals January Budgeting 242

Prairie Eco-Thrifter

APRIL 18, 2013

The worst thing you could possibly do is start your married life with a mountain of debt from having the wedding of your dreams. With the economy the way it is and with most people affected by the recession, they will definitely understand that you want to keep costs at a minimum by having a small wedding party. Recruit Your Friends.

Wedding 248

Wedding Money Saving Money Budgeting 248

Prairie Eco-Thrifter

JULY 16, 2012

This involves selecting industries and areas that you definitely do not want to be involved with such as gambling or the arms industry. Third World Debt Is there a commitment to helping third world countries tackle their debt crises? Some banks have a history of lending to poor countries, who then use it to buy things like arms.

Bank 186

Bank Banking Fair-Trade Debt 186

Penny Pinchin' Mom

FEBRUARY 16, 2024

Should you just pretend that you don’t have savings and increase your debt ? It goes: 50% of your salary should go to your expenses and needs 30% should go towards what you want (a new car, a vacation, and all that) 20% should go towards your savings plan So, using this rule, 20% of everything you earn should go toward savings.

Saving Money 52

Saving Money Money Saving Bills 52

Prairie Eco-Thrifter

OCTOBER 21, 2012

Editors Picks: Big Cajun Man from THE Canadian Personal Finance Site shares 10 Phrases I have Used to Save Money. Really, we should all carry a cue card in a our wallet that we can just whip out and use anytime we have an opportunity to save money. People there only have what they use and need and you know what…they are happy!!

Personal Finance 219

Personal Finance Finance Debt Money 219

Prairie Eco-Thrifter

APRIL 14, 2013

Spending more than you can afford will definitely put you either in grave debt, or it can even make you bankrupt at some point. Check for the extra expenses that you do not need like extra cable service, membership to a gym or spa that you do not use, or a subscription to magazine that you rarely read. Avoid Wastage.

Money 273

Money Cable Service Budgeting Budget 273

Prairie Eco-Thrifter

OCTOBER 13, 2013

It’s fair game if you aren’t going into debt over it and if you are still able to put money aside for emergencies, retirement, and to meet your goals. I’m sure the previous owners had the best intentions when installing the hot tub, but we hardly ever used ours, and our neighbors never used theirs, either. High End Cars.

Money 184

Money Car Cars Laptops 184

Prairie Eco-Thrifter

MAY 9, 2011

Thankfully, there are easy ways for us consumers to change this number and make a difference. There are simple ways to cut down on waste, from buying concentrated household products to buying in bulk. Buy in bulk or in loose. This makes them easy to wash and use time and time again. Buy energy smart.

Reuse 174

Reuse Recycle Recycled Recycling 174

Prairie Eco-Thrifter

FEBRUARY 18, 2011

The only secrets we have from one another is when we buy each other a gift. Sustainable Life Blog shares with us tips on how to repair our credit. We have more stable careers, we have no debt (other than our mortgage), and we own a home. Personal Finance by the Book tells us how negotiating can put us on top.

February 113

February Debt Finance Personal Finance 113

Prairie Eco-Thrifter

FEBRUARY 11, 2011

Morse Code kiss : Using a Morse code chart, use long and short kisses to spell out a message to your loved one and try to have them decipher it. Play Dirty Word Scrabble : Play Scrabble with your partner using dirty words or innuendos that will act out later that night. We used Ufile last year and will use it again this year.

February 113

February Finance Personal Finance Money 113

Prairie Eco-Thrifter

APRIL 6, 2012

It’s modeled much like Michael Pollans Food Rules with many one-page rules that give short but useful tidbits of information. I have finally listed many of the financial resources, firms, services, and products that I personally use and recommend. ” Managing Debt. Here are 5 steps to painlessly become debt free.

Money 133

Money Finance Personal Finance Real Estate 133

Family Balance Sheet

APRIL 1, 2021

He then advises paying off your non-mortgage debt before fully funding an emergency fund with 3 – 6 months worth of expenses. Now that we’ve paid off six figures of non-mortgage debt , we are working on saving 6 months’ expenses and maybe even more. Personally, I think a starter fund should be $2000-$3000.

Emergency Fund 130

Emergency Fund Money Finds Friends And Family Sale 130

Prairie Eco-Thrifter

MARCH 10, 2011

Within the first year of this job I was able to buy my first house. Little House in the Valley tells us how we can save money by partnering with our neighbours. My hubby and I often borrow yard equipment that we use once in a while from my parents. Why buy it when we can borrow it?! Reducing Debt. Going Frugal.

Personal Finance 133

Personal Finance March Finance Family 133

The Frugal Girl

FEBRUARY 26, 2024

I don’t use it much, but I have run background checks for divorced friends who are dating again through online apps. I was always in debt, which has been a tremendous source of shame for me. Apply it toward debt. It was a fascinating process. One friend stopped seeing two men based on what turned up. Marrying my husband.

Daughter 130

Daughter Green And Frugal Money Grandmother 130

Penny Pinchin' Mom

FEBRUARY 16, 2024

Instead of buying that new bag with the extra cash you have, how about getting a new insurance policy and paying your first premium? Pay Down Debt Yes, this is a good way to set yourself up financially. Getting out of debt should make the top three of your financial priorities. Once you are done with that, you go on to the rest.

Money 52

Money Insurance Debt Bulk 52

Prairie Eco-Thrifter

JUNE 20, 2012

This week I received a question from a reader asking how much to save up before buying a house. Here is Alicia’s question: How much money do my husband and I have to save up before buying our first home? How much of your income would be used to pay down your house-related debts? What Can You Afford?

Money 186

Money Home Debt Buy 186

The Frugal Girl

NOVEMBER 20, 2023

Tell us a little about yourself I’m a married mother of two teenage boys (18 and 16) who grew up in the country near a small town in Iowa. This spring, the gym closed down and sold off their equipment at a deep discount so now I am well stocked for any kettlebell weight I want to use.

Iowa 168

Iowa Friends And Family Sale Boys Son 168

Family Balance Sheet

MAY 27, 2015

Today’s Debt Free Story is from Olivia. Tell us about you and your family. We are both planners and despise wasting money on debt/interest, which is what led us to pay off our mortgage as soon as we could! How much debt did you pay off? What kind of debt was it? We paid off a total of $118,000 debt.

Debt 100

Debt Debt Free Pay Off Debt Finds 100

The Frugal Girl

NOVEMBER 13, 2023

My interest in frugality is less about saving money specifically, and more about making good use of the resources I have. Making good use of the resources I have – not only money, but my health, physical abilities, skills, etc. How did you get interested in saving money? I love winter – trees on my favorite trail 4.

Kids and Family 192

Kids and Family Parenting Cars Car 192

The Frugal Girl

FEBRUARY 5, 2024

I used to read intermittently before then but got a regular blog rotation going once I quit social media 3. The weight of debt can be so heavy mentally in addition to the direct effects of it. If it was truly a windfall that was not spoken for, I’d use it to visit my family several states away or pay for the to visit us 10.

Virginia 185

Virginia Kids and Family Library Frugal 185

Prairie Eco-Thrifter

MAY 8, 2011

He definitely gives you something to think about. Thanks Jeffrey for giving us some new ideas on how we can help others. They are definitely worth a try. Money doesn’t buy happiness but it buys opportunities. Do you use those to achieve happiness on your own or do you pass those opportunities by?

Saving Money 232

Saving Money Money Credit Cards Insurance 232

Prairie Eco-Thrifter

OCTOBER 11, 2012

There should be some things that you can buy without first asking permission from your spouse. It can be so easy to run up thousands of dollars in debt just by using that credit card. Debt and an uncontrollable spending habit is probably the most common issue that causes fights between couples. Nagging About Spending.

Debt 222

Debt Credit Cards Money Credit 222

Family Balance Sheet

APRIL 12, 2016

Today’s Debt Free Story is from Jessica. Tell us about yourself. I am used to moving a lot! How much debt did you pay off? What kind of debt was it? I had $56,000 of debt when I decided to become debt free. What inspired you to get debt free? Where are you from? What do you for a living?

Credit Cards 100

Credit Cards Debt Debt Free Student 100

Savings Corner

DECEMBER 25, 2023

For example, language teachers and stock-picking advice may use this model. You’ll need to be an expert on a specific topic, but the topic could be niche and use some special skills or abilities that very few offer but that many readers need. You’ll have to really know the market so that you’re not buying at a price that’s too high.

Money 52

Money Making Real Estate Rent 52

Prairie Eco-Thrifter

JANUARY 14, 2012

This is not something I want to see, so today I have a few videos for you that will dispell credit card myths, teach you how to use them properly, how to keep them safe, and how to make sure you should be getting credit in the first place. The only investing strategy that makes sense to me is buy and hold. Take a moment to watch them.

Credit Cards 220

Credit Cards Credit Finance Personal Finance 220