Savings Corner

DECEMBER 25, 2023

How do I choose a private college loan online? Compare offers from multiple lenders including banks, credit unions, online companies and state-based lenders to find the lowest interest rate. Depending on the lender, you may be able to choose a fixed or a variable interest rate. Will I need a co-signer for a private student loan?

Student 52

Student College Credit Debt 52

Family Balance Sheet

APRIL 1, 2015

It was all consumer debt spread over 5 credit cards. With those principals in mind, we enrolled in a debt management program (DMP) through our local credit union and reduced our interest rates on all of our credit cards and began paying them off. We cut up our credit cards and never used them again.

Debt 100

Debt Credit Cards Debt Free Credit 100

Savings Corner

DECEMBER 25, 2023

If your home has increased in value since you bought it, you may have more equity than what you’ve accrued from paying down your principal. Cash-out refinances are helpful with major expenses, because you generally can borrow much more than you could with a personal loan or by using credit cards.

Refinancing 52

Refinancing Debt Credit Cards College Tuition 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. If you’re looking to get a personal loan, you’ll have to complete an application and wait for approval — a process that may take anywhere from a few hours to several days.

Debt 52

Debt Credit Cards Credit College Tuition 52

The Frugal Girl

FEBRUARY 18, 2024

I’m 47, married, and living amongst the cornfields in a college town in the Midwest U.S. As our family and household income grew, my husband and I made it a goal to put more money aside for emergencies, retirement, college, home improvements, etc. I live in a fairly transient town with lots of college students.

Kids and Family 188

Kids and Family Home and Garden Money Frugal 188

Saving Cents With Sense

SEPTEMBER 26, 2011

If you have kids, have student loans, want to go back to school, or know someone that does, you want to know about and start using Upromise , which helps you save for college by doing things you are already doing : Shopping, Eating Out, Buying Tickets, or Fill Your Gas Tank.

College 53

College Student Kids and Family Education 53

Family Balance Sheet

NOVEMBER 2, 2022

Our goal is to NOT put our Christmas purchases on a credit card. January will be one giant nightmare when the credit card bills start rolling in. We paid for many of our Christmas purchases on a credit card and then hustled in January 2013 to pay it off. Were you a high school or college tennis star?

Christmas 130

Christmas Finds Friends And Family Sale Donation 130

Savings Corner

APRIL 4, 2024

You can use this money for any purpose, including home remodeling , consolidating higher-interest debt , college tuition and other financial needs. Your cost to borrow could be lower: Cash-out refinances often have lower rates than home equity loans , personal loans and credit cards. This can be a boon for your credit score.

Refinancing 52

Refinancing Work Debt Home Improvement 52

Savings Corner

APRIL 4, 2024

Credit card rates are lingering above the 20-percent mark, and personal loans can stretch into the 25–35 percent range for borrowers with less-than-perfect credit scores. First, you need to have a real commitment to not build those credit card balances up again. to 10 percent. How does a home equity loan work?

Home 52

Home Debt Credit Cards Credit 52

Prairie Eco-Thrifter

FEBRUARY 3, 2016

No, we won’t put that on the credit card and pay for it later. College students are usually not mature enough to handle a windfall. The older boy held on to his, the college student was disrupted. Credit cards require maturity. Otherwise, they may end up viewing the card as free money.

Work 100

Work Kids Bank Banking 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

Prairie Eco-Thrifter

MAY 10, 2012

Welcome to the May 11, 2012 Edition #236 of the Carnival of Financial Planning. Mike presents May Blog Evolution Report… + Income Stats! posted at The Financial Blogger , saying, “The online income for May. Do you have thousands of dollars worth of student loan debt and/or credit card debt?

Money 113

Money May 2012 Debt 113

Prairie Eco-Thrifter

JANUARY 5, 2014

Manisha has an MBA from Harvard and serves as a Financial Fellow at Wellesley College. She is also a mentor to college students entering the financial planning profession. She runs MoneyZen Wealth Management , and has a financial blog geared toward helping women master their finances. Start an aggressive debt payoff schedule.

Personal Finance 192

Personal Finance Finance Finance Tips Graduation 192

Prairie Eco-Thrifter

JULY 31, 2014

For me, my best financial lesson came from suffering through 10 years of near poverty, the consequence of picking a non-lucrative college major, then figuring out how to re-train and enter a highly rewarding profession – learning to be independent and self-sufficient, even from my spouse. Read more on my story in my book. Free money!

Debt 167

Debt College Student Money 167

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. This is how you learn more about each bad spending habit you may have. It’s an actual need.

Saving Money 52

Saving Money Money Saving Credit Cards 52

Prairie Eco-Thrifter

APRIL 13, 2014

Money may mean power or control or misery or any number of other things to you. If your college student runs up their credit card bill and can’t pay, make them work it out. Instilling emotional laden feelings about money. Messages about money can be filled with emotion. Money is a tool. Money is neutral.

Kids 219

Kids Money Parenting Kids and Family 219

Couponing 101

MAY 28, 2019

adults have credit card debt, kids might not be learning the best financial lessons to set them up for future success. While the stakes may seem small now, the lessons can carry over later to help your children save for college or their first house. They soak up the language, beliefs, and habits of the people around them.

Saving Money 84

Saving Money Money Simple Financial Goals 84

Savings Corner

APRIL 4, 2024

Both act as second mortgages, using your home as collateral, and may offer tax deductions if the funds are used for substantial repairs or upgrades. HELOCs (home equity lines of credit) come with variable interest rates and fluctuating monthly payments (like credit cards). homeowners as of year-end 2023.

Home 52

Home Work Debt Credit 52

Prairie Eco-Thrifter

JULY 4, 2011

, and says, “The big debt clock is over $14 trillion now, but this other one is approaching $1 trillion, and may affect you more directly.&#. Your City or County May Have Free Money For You. Often times, home buyers may not be aware that free money for a down payment on a house is still available for qualified buyers.

Personal Finance 240

Personal Finance Finance Family Debt 240

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? Start college funds for our two girls. Our smallest debt was a credit card that had a $600 balance.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Prairie Eco-Thrifter

OCTOBER 22, 2013

As obvious as it may sound, it’s important to remember that you’re your kids’ most influential teacher. 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.

Money 234

Money Kids College Tuition Kids and Family 234

Prairie Eco-Thrifter

JANUARY 14, 2012

Since there seems to be so much in the news lately about credit cards- the good ones, the bad ones, the ugly ones, the fee free ones, the reward ones, the secured ones, etc. I figured I would talk about credit cards as today’s theme. Funancials : Should I Cancel My Credit Card? Read away my friends.

Credit Cards 220

Credit Cards Credit Finance Personal Finance 220

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. I may work on buying another rental property (with cash.)

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Prairie Eco-Thrifter

JANUARY 30, 2013

Whenever I travel, I also take water (the result of an unfortunate stranded-in-the-desert incident during college). You may not be able to store six months of non-perishable food items in a small apartment, but you can at least get through the initial stages of a crisis with the help of a 72-hour kit and what you have on hand for the week.

Emergency Fund 211

Emergency Fund Job Loss Transportation Staying Warm 211

Prairie Eco-Thrifter

APRIL 11, 2011

On credit cards and debt: “Credit cards are the easiest way to get into trouble. This is how I put two kids through college and raised a family. Prestige may come with a big salary but prestige alone has never put food on the table.&#. Lesson : Be dependable and hard-working. I don’t care.

Work 133

Work Debt Credit Cards Finance 133

Prairie Eco-Thrifter

NOVEMBER 12, 2011

The College Investor: Top Five College Myths – Dispelled! – A look at some of the biggest myths about college, and why they are not true! Financial Success for Young Adults: Financing a Home Modification – At some point in your life, it may be necessary to modify your home.

November 188

November 2011 Personal Finance Finance 188

Prairie Eco-Thrifter

MARCH 4, 2015

Use of leverage (aka debt) by a person earning $200,000 (Obama’s definition of rich), but with a small net worth may be less likely than the use of leverage by a person who has the net worth to cover the amount of debt incurred. While it may be tempting to borrow ‘just a bit more than I need’, don’t do it.

Debt 100

Debt Used Money IBM 100

Prairie Eco-Thrifter

APRIL 6, 2012

Teacher Man presents Why Credit Cards Are Dangerous For Students posted at My University Money , saying, “I am on the record as having said that I believe students should sign up for credit cards. One of those prepaid debit card companies apparently sent him a debit card that he never remembered applying for.

Money 133

Money Finance Personal Finance Real Estate 133

For the Mommas

JANUARY 19, 2016

If you are one of the many people who have a little or a lot of debt accumulated through credit cards or other ways, use this opportunity to pay some of it back. Although this may be one of the least exciting ways to spend your tax refund, it makes the most sense. You never know when you may need to fall back on it.

Taxes 40

Taxes Emergency Fund Debt Money 40

Prairie Eco-Thrifter

OCTOBER 31, 2012

Her dream of becoming a college professor died when her dissertation was not accepted and she did not win the doctorate. She charged up credit cards to buy food and clothing. She ignored collectors and now the card company is suing. Sink Into Depression. Borrow Money You Can’t Pay Back. Discontinue Insurance.

Friends And Family Sale 189

Friends And Family Sale Taxes Insurance Money 189

Teresa's Deals

AUGUST 27, 2015

This post may contain affiliate links or sponsored content, read our Disclosure Policy. Shop now, as quantities may be limited! Sign up for a PLACE credit card to earn rewards and savings with every purchase. You may have heard about how peapod.com is changing the way we shop for groceries. Bank’s current sale!

Storing 100

Storing Clothing and Accessories Flowers and Gifts Flowers and Plants 100

Family Balance Sheet

FEBRUARY 3, 2016

We paid off $7,665 worth of credit cards, school loans and a car loan. Don’t give up, it may take a while, but it is so, so worth it to become debt free. The post Find out how Charissa and Her Husband Paid Off $7665 of Debt and Cash Flowed College appeared first on Family Balance Sheet. How much debt did you pay off?

Debt 100

Debt Debt Free College Finds 100

Prairie Eco-Thrifter

MAY 8, 2011

t Paydown Your Credit Cards. Crystal presents 5 Credit Card Mistakes You Want to Avoid. Credit cards can be a great tool but these mistakes are all too common. Avoid them and you’ll do fine in the world of credit. Glen Craig presents Credit Cards for Excellent Credit.

Saving Money 232

Saving Money Money Credit Cards Insurance 232

Penny Pinchin' Mom

FEBRUARY 16, 2024

Here’s why: It leaves you with more disposable income It gives you greater peace of mind It makes it easier for you to invest the extra cash When you don’t have crushing credit card debt to worry about, you can plan your finances better, invest more, and spend the excess cash on better insurance policies for yourself and your family.

Money 52

Money Insurance Debt Bulk 52

Prairie Eco-Thrifter

FEBRUARY 9, 2012

If you always have more month than cash and never seem to get ahead or even to even, it’s time to look at some reasons you may be broke. You know you shouldn’t be using credit cards all the time. You spend until the money runs out and then you put your purchases on your credit card. You have no budget.

Money 203

Money Debt Finance Credit Cards 203

Prairie Eco-Thrifter

JUNE 14, 2012

” CCS presents Savvy Credit Card Use: Track Your Spending posted at Credit Card Smarts , saying, “A big key to using your credit card wisely is tracking your credit card spending. Financial Planning Odysseas presents Forget Your ATM Card? Not so today.

Money 124

Money 2012 June Credit Cards 124

Prairie Eco-Thrifter

NOVEMBER 29, 2012

The person named as the beneficiary in the event of your death may no longer be the person you want to receive the proceeds from your policy. Sending a child to college is very expensive. Take online classes or enroll in short course at your community college to learn the basics of accounting and taxation.

Life Insurance 203

Life Insurance Financial Goals Insurance Taxes 203