Motherhood Moments

JANUARY 18, 2023

Prepare ahead of time and create a bare bones budget that includes only your essentials — think food, shelter, clothes, transportation and insurance — so you have a plan in the event that you experience a loss of income or need to cut expenses suddenly. Depending on your situation, you may qualify for a debt management plan.

Recession 100

Recession Finance Emergency Fund Debt 100

Prairie Eco-Thrifter

MARCH 6, 2014

One week I may consult the doctor for five minutes and be charged $100, and the next time I’m in with the same doctor for the same amount of time, I’m charged $150. I wonder if it has something to do with billing the largest amount possible to the insurance companies. I certainly know hospitals inflate their pricing.

Price 206

Price Insurance Bills New York City 206

Prairie Eco-Thrifter

JULY 7, 2011

Insurance: Home insurance can be costly, but scrimping or going without cover could cost you heavily further down the line. Shop around and get a number of different home insurance quotes. By increasing the amount you would pay in the event of a claim (the excess) your home insurance premium should reduce.

Money 170

Money Money Saving Home Insurance 170

Prairie Eco-Thrifter

JULY 13, 2014

Your best strategy may involve situations such as waiting until your income levels go down; gifting your property instead of selling it; waiting for the market prices to go up; selling now, even if at a loss; or living in your property for awhile before you sell it. Of course, you have taxes every year you own the property as well.

Real Estate 186

Real Estate Taxes Insurance Property Taxes 186

Prairie Eco-Thrifter

MAY 24, 2011

Guest Post Author Bio: Miles Walker is a freelance blogger who usually writes about car insurance over at Car Insurance Comparison.org. His recent review looked at where to get North Carolina car insurance. If prices fall back to normal levels, you may never be able to recoup the costs of the hybrid vehicle.

Electric Car 162

Electric Car Cars Car Gasoline 162

Coupons Do Work

MAY 17, 2016

Present your report card at a Fannie May Store showing you received at least one A grade. K-8 get a 3 course meal including cheese, entree (chicken, shrimp, teriyaki sirloin and ravioli) and chocolate. 9-12 get a four course meal. Must be accompanied by adult who buys a four-course dinner). OH & NoKY). Omega Sports.

Free Stuff 100

Free Stuff 2016 Baskin Robbins Student 100

Prairie Eco-Thrifter

NOVEMBER 29, 2012

A life insurance policy is probably the first thing most people buy. In the past, single people did not make getting a life insurance policy a priority. That’s no longer the case in recent years, and today even young people are buying insurance. Insurance policies require you to name beneficiaries.

Life Insurance 203

Life Insurance Financial Goals Insurance Taxes 203

Coupons Do Work

SEPTEMBER 15, 2016

Of course not one person told me, I found that out after I graduated! and of course everything is online! Health Insurance. Even if you are attending school and financially independent from your parents, as long as you are younger than 26 years old , you can be kept on your parent’s health insurance policy.

Student 100

Student College Freebies Insurance 100

Prairie Eco-Thrifter

MARCH 14, 2012

There is of course, also the cost of your time – the time you spend waiting for the officer to issue the ticket and the time you spend dealing with it, not to mention the time you spend earning the money to pay it! If you are wanting to get auto insurance, your rates go up if you have one or more tickets on your record.

Insurance 186

Insurance Tickets Life Insurance Gasoline 186

Prairie Eco-Thrifter

JANUARY 27, 2013

Many parents would be correct in assuming that carpooling comes with a myriad benefits for themselves, although the main draw, of course, is that the duties for dropping off and picking up kids at school are spread out amongst several adults, so that each family is relieved of the onus to make daily trips. So, do you carpool your kids?

Kids 188

Kids Kids and Family Parenting Growing 188

Savings Corner

APRIL 4, 2024

The trade-off, of course, is that in lowering risk exposure, investors are likely to earn lower returns over the long run. That may be fine if your goal is to preserve capital and maintain a steady flow of interest income. So dividend stocks will fluctuate with the market but may not fall as far when the market is depressed.

April 52

April Lowes CD Bank 52

Prairie Eco-Thrifter

APRIL 24, 2014

It’s often too cold to do anything on my car in the winter because nobody wants to clean their car in the rain, so over the course of the season, things really add up. Over the course of the winter and fall, fluids can be depleted; antifreeze windshield washer fluid , oil, and others can be used more often during winter driving.

Cars 182

Cars Car Home and Garden Cleaning 182

Savings Corner

DECEMBER 25, 2023

While legally that’s true, in practice passive income may take other forms. In practice, you may do some or all of the work upfront, but passive income often involves some additional labor along the way, too. Non-dividend-paying stocks or assets like cryptocurrencies may be exciting, but they won’t earn you passive income.

Money 52

Money Making Real Estate Rent 52

Prairie Eco-Thrifter

OCTOBER 31, 2012

Growing up, she excelled in academics, receiving top grades all the way through school and then going on to get a master degree in biological sciences and even completing most of the course of study for a doctorate. Discontinue Insurance. Her health care is via the Veteran’s Administration as she has no health insurance.

Friends And Family Sale 189

Friends And Family Sale Taxes Insurance Money 189

The Frugal Girl

SEPTEMBER 18, 2023

Therapy can be on the more expensive end of things, but if you can find someone who is in your insurance network, it can be affordable. I lean on friends ($0) Friends are important for anyone, of course! Therapy ($$$) If you’re going through a really tough time, it might be worth it to pay for some professional help.

Phones 175

Phones Cat Health Frugal 175

Prairie Eco-Thrifter

SEPTEMBER 29, 2014

The lesson here is that things, many of which we think we need, and may actually do need at the time, become obsolete. Of course you could always hang onto them until they become ‘collectibles’ Aprons. Of course, many times they were for show as well. You may not be old enough to remember typing class but I am.

Used 169

Used Typewriters Phones Irons 169

Family Balance Sheet

JUNE 8, 2018

I discovered the term, Zero-Based Budget, when my husband and I took Dave Ramsey’s Financial Peace University home course many years ago. For example, if today is May 22, then follow these steps to plan for June’s budget. – Transportation: loan payments, fuel, insurance, service/repairs, necessary parking/tolls.

Budgeting 133

Budgeting Budget Financial Goals Goals 133

Savings Corner

DECEMBER 24, 2023

Today’s best financial advisors focus on developing a comprehensive strategy that can cover many aspects, including investment, insurance, estate planning and more. Some advisors may be unclear on their fees and when they get paid. Of course, that’s just a starting point for your research. Cons Unclear fees.

Goals 52

Goals Work Insurance Georgia 52

Prairie Eco-Thrifter

NOVEMBER 4, 2013

Now is the time to plan your financial future, not down the track when you realize you may have left it too late. Include all forms of income and divide expenditure into categories like rent/mortgage, entertainment, household expenses, insurances, transport etc. The first thing you need is a personal budget.

Graduation 210

Graduation Making Emergency Fund Budgeting 210

Prairie Eco-Thrifter

JANUARY 1, 2013

On their own, they may not seem too major but if you are guilty of more than one, you are seriously affecting your financial security. Of course, by using credit cards for purchases and bills, I was spending money I didn’t have and probably wouldn’t have any time soon. That was me, at any rate. Lack of An Emergency Fund .

Emergency Fund 272

Emergency Fund Credit Cards Personal Finance Finance 272

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. This will take into account your financial situation and suggest the most sensible course of action based on this.

Buy 185

Buy Buying Credit Calculators 185

Prairie Eco-Thrifter

MAY 8, 2011

Also, make sure you aren’t paying unnecessary fees for things like credit card insurance. South County Girl presents Car Insurance Changes Again, Part 2. A post about breaking down your insurance costs and how you can budget for them. We just renewed our insurance and made some adjustments to get a lower premium.

Saving Money 232

Saving Money Money Credit Cards Insurance 232

Savings Corner

DECEMBER 24, 2023

You may want to settle down by the beach or in the mountains. With all these possibilities in front of you, you may not know where to start. And, of course, not everyone likes the sweltering summers of the Sun Belt states. Massachusetts Why Iowa is the best state to retire You may be wondering: Why Iowa? Delaware 49.

Iowa 52

Iowa West Virginia Healthcare Delaware 52

Prairie Eco-Thrifter

APRIL 24, 2012

6 percent of households in the United States are unbanked or underbanked and, so have missed opportunities for savings, lending, and basic financial services ( according to the Federal Deposit Insurance Corporation). According to the resolution: Twenty-five.6

United States 202

United States Personal Finance Economical Finance 202

Prairie Eco-Thrifter

AUGUST 17, 2017

Talk to any alumni you may know (hint parents, cousins, that kid that went off to college last year) to see what they know about it. Read up on what colleges may offer. Look especially for on campus recruiting and online job portals the college may offer to help place students. Time to find out. Failure to be smart about credit.

College 133

College Graduation Used Points 133

Prairie Eco-Thrifter

MAY 28, 2013

There is no denying that there are health benefits from regular exercise, and health insurance companies don’t hide the fact that they offer lower rates to healthy individuals. Of course, hitting the clubs on a regular basis is probably not feasible for most of us. Instead, they can be fun, sociable, and even exciting.

Video Games 220

Video Games Health Insurance Games Video 220

Penny Pinchin' Mom

FEBRUARY 16, 2024

It may even motivate you! It may be an inconvenience at first, but it will pay off in the long run. You are going to need gas, car insurance, and money for car maintenance and repair costs. I know this is sometimes easier said than done, but I don’t want you to be disappointed when your expectations are set too high.

Cars 52

Cars Car Bank Banking 52

Savings Corner

DECEMBER 25, 2023

But if you know how much home you can afford, of course, you’ll want to learn how much you can borrow. For instance, you may consider: How long will I live in this home? If you’re putting down less than 20% on the home, you’ll have to pay private mortgage insurance , or PMI. But in some cases, that amount may be too generous.

Calculators 52

Calculators Illinois Credit Debt 52

Prairie Eco-Thrifter

FEBRUARY 1, 2011

If we pause and think, there are many activities we do in a course of a day where we put our personal information at risk- from writing a cheque to charging an item in person or on the phone. You and I may not think twice about these transactions, but someone trying to steal your identity would.

Identity Theft 150

Identity Theft Credit Cards Hard Drives 2004 150

Prairie Eco-Thrifter

SEPTEMBER 3, 2012

You may have read conflicting stories about this; some experts say keep the mortgage, while others say get it paid off as quick as you can. Of course, they recommend allocating only 25% of your income to a mortgage but we all know how people love to stretch this out, so they can have a bigger house in a better neighborhood.

Refinancing 203

Refinancing Taxes Real Estate Money 203

Prairie Eco-Thrifter

SEPTEMBER 22, 2013

Working with others seems to call for a minimum level of grooming and in fact may even be tied to our ability to keep our jobs or progress up the corporate ladder. Still, repair is expensive and not typically covered by insurance.

2007 207

2007 North Carolina Economical Repairs 207

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. Remember that you need to review your specific situation to determine the course of action you should take.

Emergency Fund 184

Emergency Fund Debt Money Father 184

Prairie Eco-Thrifter

DECEMBER 12, 2012

Personal charity is, of course, an investment in both the planet and ourselves. Here are some of the categories of company in which one may feel safe in holding stake: Technology and Research. Finance and Insurance. It may seem impossible but it is possible to make money and do good at the same time.

Green 235

Green Recession Finance 2008 235

Prairie Eco-Thrifter

OCTOBER 24, 2012

Writing out a complete twenty page business plan may not be a requirement for the average freelancing gig, but that doesn’t mean you should go in blindly. You may need to file for one of those as well depending on where you live. It should have your educational experience and of course your work history. Have a Plan.

Personal Finance 188

Personal Finance Finance Work Insurance 188

Prairie Eco-Thrifter

DECEMBER 12, 2011

When negotiating, it is vital to put together your supporting facts and data, while anticipating potential questions that may come out in the course of your conversation. If a back up plan is not prepared, it may mean having to accept what the other party wants even if it puts you on the losing end. This post was written by YFS.

Communications 200

Communications Garage Sale Tools Better Life 200

Prairie Eco-Thrifter

JULY 13, 2015

Watch what others are doing, how they do it and what they may be getting from it. Make friends, not only with people your own age and from your own neighborhood, but with people older and younger than yourself and with folks who may be richer or poorer or live in a different geographic area. Everything in live requires sales skills.

Personal Finance 100

Personal Finance Finance Debt Money 100

Nicoles Nickels

JANUARY 18, 2012

Other sites like www.comparethemarket.com work to provide you with a comparison on some of your biggest budget items like your home utilities, your home insurance, and your car insurance. Make Them a Habit. Clipping Coupons. There are some sites that offer savings in other ways as well.

New Year's 40

New Year's Frugal Insurance Budgeting 40