For the Mommas

JANUARY 20, 2016

Credit Card Rules You Should Live By. Ah, the credit card. That magical card of freedom. You may have gotten your first card in college, before you had any salary at all but just in time for that upcoming spring break trip: clothes, gas money, hotel…and then, one month later… BOOM! Just say no.

Credit Cards 40

Credit Cards Credit Debt Equal 40

Motherhood Moments

JANUARY 11, 2023

Children are especially vulnerable to a new form of identity theft – synthetic – which now makes up 85 percent of cases and means thieves use combinations of real and fake information to take out loans, get credit cards, purchase cars, collect unemployment, and much more. And it’s grown 233 percent over five years.

Identity Theft 130

Identity Theft Parenting Unemployment Credit Cards 130

Prairie Eco-Thrifter

JANUARY 18, 2019

An auto title loan is funding available to people that own a car can. By using their car title as collateral, they could obtain secure, quick funding. By allowing the lender to hold onto their car’s title, they receive a loan for an amount that is typical based on the value of that car. Credit Cards.

Credit Cards 100

Credit Cards Credit Debt Hawaii 100

Family Balance Sheet

MARCH 26, 2021

Do you have enough cash to cover them or would you have to rely on high-interest credit cards or a loan from your family? With little money in their bank accounts, these Americans couldn’t afford these unfortunate expenses without using a credit card or maybe relying on a loan from family and friends.

Emergency Fund 130

Emergency Fund Building 2007 Credit Cards 130

Motherhood Moments

MARCH 4, 2023

So, when “unpleasant surprises” arise, like a car repair or medical bill, you’re confident that you have enough money set aside to cover these. on your credit card. Make smart choices with credit. Make smart choices with credit. The longer you keep a credit card or loan balance, the more interest you'll accrue.

Debt 130

Debt Money Building Credit Cards 130

Prairie Eco-Thrifter

APRIL 10, 2013

Strategy: Use Your Credit Card. While it can’t be helped with the mortgage payment, and while I have the car and student loan payments deducted from my checking account, there are some smaller, recurring expenses that can be charged to a credit card and then discharged once a month. How do you make it work?

Bills 271

Bills Credit Cards Finance Credit 271

Family Balance Sheet

MARCH 5, 2021

I had an unexpected surprise hit my credit card in February. This money is being put towards my new-to-me car loan. Read all about my car loan here. In January, I found more extra money than I ever have and I was so excited about it, BUT unexpectedly, February…blew.it.out.of.the.water! Airfare Refund: $2700.

February 257

February Money Airline Flights 257

Family Balance Sheet

FEBRUARY 6, 2021

Credit cards are a tricky subject and we pay off the balance every month, so I will write more about this soon. We…took out a car loan. We had very little saved for a new-to-us car and we would have had to take out a loan to cover most of it, and that made me uneasy about purchasing the car. year-old van.

Finance 130

Finance January Family 2020 130

Penny Pinchin' Mom

JANUARY 16, 2024

Pay Attention to Interest Rates Did you know that 82% of all Americans have a credit card, and 61% of them have credit card debt? Credit cards can be a lifesaver, especially when you need a small personal loan. Things like your car, your rent, loan interest, and so on are your liabilities.

Personal Finance 52

Personal Finance Finance Tips Finance Mom 52

Prairie Eco-Thrifter

SEPTEMBER 3, 2013

I would be doubtful too if someone told me that, but the truth is that it’s rather easy to do if you have a rewards credit card and work hard to maximize your earning potential with it. I have not been on an airplane in 6 years; I gave up flying in 2007 and now travel solely by Amtrak train or by car.

Vacation 200

Vacation Credit Cards Frugal Airline 200

Prairie Eco-Thrifter

FEBRUARY 5, 2014

Between credit card offers in the mail promising great rewards and the ability to borrow money for next to nothing, debt can be enticing. When I was 18, I got my first credit card. As a result, I ended up getting myself into a couple thousand dollars worth of credit card debt on things that I didn’t need.

Debt 206

Debt 2014 Credit Cards Consumerism 206

Family Balance Sheet

JULY 10, 2023

We had two options: wait a day to leave Florida or rent a car once we got to Philly and drive to our parked car at the Harrisburg airport. As much as we would have loved an extra day in Florida, it wasn’t an option, so we rented a car. 4 – Credit Card Rewards – $241.78

Frugal 100

Frugal June Flights CD 100

Savings Corner

DECEMBER 27, 2023

Top balance transfer credit cards BankAmericard® credit card: 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account. Read our review of the BankAmericard® credit card. But most people can’t go wrong with these award-winners.

Credit Cards 52

Credit Cards Credit December Airline 52

Savings Corner

DECEMBER 24, 2023

One of the biggest benefits of a personal loan is that they often charge lower fixed interest rates when compared to other forms of lending, like credit cards. Pros Lower interest rates: Personal loans typically have lower interest rates compared to credit cards, especially if you have a high credit score.

Debt 52

Debt Credit Cards Credit College Tuition 52

Prairie Eco-Thrifter

JUNE 22, 2014

You can’t always count on credit cards or checks being accepted. My son whipped out his credit card to pay for their meal and was stopped cold when he found out the place didn’t take credit. Credit wasn’t freely available when Mom was teaching me to live a financially responsible life.

Money 217

Money Mom Credit Cards Bank 217

Family Balance Sheet

APRIL 9, 2021

We didn’t carry over credit card balances, we paid off our car notes early, and the interest rate on the student loan was at a low 2.75%. We agreed that credit card debt wasn’t very smart, but a car loan? Our smallest debt was a credit card that had a $600 balance. That’s a necessity.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Prairie Eco-Thrifter

JULY 9, 2013

I also had to iron, make my bed, clean the wood floors in my bedroom, help Dad when he worked on the car and help out with special projects (like painting the rental house). They didn’t use credit (I’m not even sure they ever had a mortgage!) until late in life and then only credit cards. I became a saver.

Used 228

Used Parenting Credit Cards Debt 228

Prairie Eco-Thrifter

MARCH 29, 2011

Lots of people overbuy when shopping for homes, cars, furniture, electronics, and other items. Buying a car. A car can be deemed a necessary purchase depending upon where you live. Many car shoppers would be better served by buying a practical fuel efficient automobile that meets their needs and the needs of their families.

Furnishings 157

Furnishings Debt Cars Car 157

Prairie Eco-Thrifter

JANUARY 8, 2013

I learnt many of them from personal experience when I realized that I had to do something about my credit card debt that was spiraling out of control. I was spending more than I earned, using my several credit cards to buy just about everything and paying off one balance so I had enough credit to pay another.

Debt 271

Debt Win Credit Cards Money 271

Savings Corner

DECEMBER 27, 2023

This type of loan is usually unsecured, meaning you don’t have to put up property like a house or car as collateral for the loan. You can get a personal loan from a bank, credit union or online lender.Personal loan amounts are from $1,000 to $100,000, and they’re typically repaid over a term of two to seven years. Find a co-applicant.

Debt 40

Debt Home Improvement Consumer Credit 40

Family Balance Sheet

AUGUST 21, 2020

Debts still need to be paid, cars will need new parts, homes will need to be repaired, and kids will need braces. Liabilities: Liabilities are what you OWE money on, such as car loans, student loans, credit card balances, and mortgage balances. Column E = Difference between the target balance and the actual balance.

Family 241

Family Debt Finance Kids and Family 241

Prairie Eco-Thrifter

APRIL 15, 2011

Due to the recent high gas prices, he has been focused on researching gas credit card offers, most recently writing reviews of the 76 credit card and the Chase BP gas card. Passenger Car – 2.302 MJ per passenger-kilometer. passengers in the car (I’m scared to ask how you put 0.57

Transportation 159

Transportation Fuel Calculators Cars 159

Motherhood Moments

JANUARY 24, 2023

It is important to remember that just like buying a car or another large purpose, the bank will be looking at your credit report to determine if you are a trustworthy borrower. The lower your credit score, the more you may end up paying monthly.

Money 130

Money Home Real Estate Warranties 130

Savings Corner

DECEMBER 25, 2023

To calculate how much house you can afford, we take into account a few primary items, such as your household income, monthly debts (for example, car loan and student loan payments) and the amount of savings available for a down payment. Credit profile. How much mortgage payment can I afford? Debt and expenses.

Calculators 52

Calculators Debt Insurance Taxes 52

Family Balance Sheet

FEBRUARY 11, 2016

Do you have enough cash to cover them or would you have to rely on high interest credit cards or a loan from family? With little money in their bank accounts, these Americans couldn’t afford these unfortunate expenses without using a credit card or maybe relying on a loan from family and friends. A Very Tough Year.

Emergency Fund 100

Emergency Fund Building 2007 Credit Cards 100

Couponing 101

JANUARY 22, 2019

Instead of digging around for your phone when it rings in the car, you can see right on your wrist who is calling and even pick it up on your watch if needed. Don’t forget to use your My Best Buy® Credit Card to earn 5% Back in rewards (6% for Elite Plus) on all your purchases at Best Buy.

Watches 64

Watches Credit Cards Phones Activism 64

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.) We just wanted to pay off our credit cards, which seemed like a huge task since we’d struggled with it for years. Then my husband decided to pay off his car. The rest was our house.

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Saving With Shellie

DECEMBER 27, 2014

Also, Google Play requires you have your credit card information on file. If you have never set up an account with Google Play, you will need to enter your credit card info when you download this freebie. However, if it’s free I might be able to handle a few rounds of Let It Go on car trips.

Frozen 81

Frozen Credit Cards Frugal Lives Frugal Living 81

Savings Corner

DECEMBER 24, 2023

And when we say own, we include assets that you may still be paying for, such as a car or a house. For example, your home would count toward your net worth if you’re willing to use it for a home equity line of credit or sell it should the need arise. Liabilities : Any money you owe to another person or entity falls under this category.

Calculators 52

Calculators Taxes Debt Consumer 52

Prairie Eco-Thrifter

OCTOBER 22, 2013

If you spend like crazy when you’re shopping, charge up your credit cards, and take out enormous loans to pay for your home or car, then your kids are likely to follow in your footsteps because they’ll think that’s normal behavior. De-Programming Your Kids. Saving and Investing Early.

Money 234

Money Kids College Tuition Kids and Family 234

Prairie Eco-Thrifter

SEPTEMBER 19, 2013

More and more people are opting for smaller, more economical cars to reduce running costs as well greenhouse gas emissions. Folk are becoming more realistic and rejecting the out-dated belief that a large car indicates success. Downsizing my vehicle certainly has saved me money and will continue to do so for as long as I have the car.

Saving Money 220

Saving Money Money Saving Storage 220

Saving Everyday

OCTOBER 3, 2023

We usually go with one empty credit card, put everything on that ONE card so it’s easy to keep track of, and try our best not to go over our spending goal. Another cost to factor into flying is whether or not you’ll need a rental car when you arrive at your destination. It’s too risky.

Saving Money 52

Saving Money Money Travel Hotel 52

Prairie Eco-Thrifter

JANUARY 30, 2012

Some small thrift stores don’t accept credit cards and a budget will help keep you from overspending or buying things that you do not necessarily need that day. Tip: Leaving your cards at home, or at least in the car, will help you stick to your budget because you can only use the cash that you have on hand.

Thrift Stores 201

Thrift Stores Thrifting Furniture Storing 201

For the Mommas

DECEMBER 4, 2013

As many of us are shopping this holiday season, we will pull out our credit card over and over again to make the purchase. I tend to use only my credit card instead of debit card when shopping online, and use it a lot. It is very easy to do, but often times I forget to keep tabs on my credit card.

Credit 69

Credit Monitors Identity Theft Holiday 69

Saving Everyday

NOVEMBER 3, 2023

Having said that, the wait times can be long, leaving your car idling. I always suggest turning off your engine, as an idling car can burn nearly half a gallon of fuel every 30 minutes. Restarting your car uses less fuel than idling for an extended period. Don’t just keep racking up a balance on your credit card.

Saving Money 52

Saving Money Gas Money Fuel 52

Family Balance Sheet

FEBRUARY 2, 2017

Elle and her husband paid off a car loan and saved cash for their next car. Maureen eliminated $79,000 of credit card and student loan debt less than 3 years. Chris and his wife made a financial goal to switch to an all cash lifestyle, instead of relying on credit cards. goals to get us there.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Family Balance Sheet

OCTOBER 15, 2014

Every month, we set aside money in our budget to cover our basic car maintenance. Therefore, we’ve increased our monthly allotment for car maintenance and by the time the van needs the service, we should have the money. We want to be proactive by saving the money rather than reactive and have to use a credit card.

Finance 100

Finance Organic Organization Emergency Fund 100