Prairie Eco-Thrifter

MAY 30, 2012

Having Multiple Credit Cards Buying with credit cards leads to spending more than you earn and we all know where that leads. Interest rates on credit cards are usually the highest around so you are actually paying many times what the item is worth. Make establishing an emergency fund a priority.

Money 235

Money Emergency Fund Debt Financial Goals 235

Savings Corner

APRIL 4, 2024

You can use your equity to renovate some rooms, pay off credit cards, cover college tuition, start your own business … or almost anything else. It represents the total debt against the home: both the original mortgage and the size of the new home equity loan or line of credit.

Calculators 52

Calculators Home Debt Fair-Trade 52

Prairie Eco-Thrifter

SEPTEMBER 7, 2021

Host Guarantee Program: Insurance guarantees up to one million dollars through their Host Guarantee program. Senior homeowners can use this money to pay their daily expenses or repay their credit card debt. IS TERM INSURANCE PURE PROTECTION PLAN? Damage to your property and belongings is covered in this package. .

Money 100

Money Home Rent Making 100

Prairie Eco-Thrifter

JANUARY 1, 2013

I was an expert at this; I spent every dollar I earned and juggled multiple credit cards to pay bills and buy whatever I thought I had the money for. 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. Minimum Payments On Credit Cards.

Emergency Fund 272

Emergency Fund Credit Cards Personal Finance Finance 272

Prairie Eco-Thrifter

JULY 8, 2013

This is at a time when I was struggling with paying my tuition, my rent, groceries, gas, and insurance, and was in a lot of credit card debt , so every penny counted back then and that $20 leaving my wallet felt like a lot more. Which is More Dangerous: Cash or Credit Card? Money Tips'

Money 264

Money Credit Cards Credit Advantage 264

Family Balance Sheet

DECEMBER 29, 2020

One January, we received a very large credit card bill in the mail. I knew it was coming because we hadn’t planned for all of the gifts we bought in December and used a credit card to pay for them. Actual Spending Log – Use this spreadsheet to enter your actual income and spending for each month.

Budgeting 130

Budgeting Budget Family Property Taxes 130

Prairie Eco-Thrifter

JULY 4, 2011

Philip from Deliver Away Debt shares his story: How I Delivered Away My Debt. mbhunter from Mighty Bargain Hunter asks Are you contributing to this debt clock? 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.&#. How about you?

Personal Finance 240

Personal Finance Finance Family Debt 240

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

’ Financial Planning Ashley presents Should I Get Married with Debt? Madison presents Credit Card Application Spree to Maximize Sign Up Bonuses posted at My Dollar Plan , saying, “It’s time for a round of credit card applications to make some money! Readon for some great bonuses. And, do you need it?

Money 113

Money May 2012 Debt 113

Prairie Eco-Thrifter

OCTOBER 17, 2012

I managed to rack up over $20,000 of credit card and personal debt by the time I was 23 and this affected my ability to keeo my first house. I reached the conclusion that budgets weren’t for me and continued spending money I didn’t have, courtesy of several credit card companies. Well, actually, no!

Budgeting 214

Budgeting Budget Debt Money 214

Family Balance Sheet

MARCH 4, 2015

Today’s Debt Free Story is from Maureen. She writes at A Debt Free Stress Free Life. Besides writing on my personal finance blog, A Debt Free Stress Free Life, I’m an adjunct professor at a local college and own a residential and commercial cleaning business. How much debt did you pay off? What kind of debt was it?

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Debt Credit Cards Debt Free Student 100

Savings Corner

DECEMBER 25, 2023

Down payment costs are just the beginning — you’ll also have to account for closing costs and ongoing homeowner expenses, like property taxes and insurance, and you’ll want to budget for maintenance costs. If you’re putting down less than 20% on the home, you’ll have to pay private mortgage insurance , or PMI. Your credit score.

Calculators 52

Calculators Illinois Credit Debt 52

Savings Corner

APRIL 4, 2024

To find out whether your business can afford a loan, many lenders will use something called a debt service coverage ratio (DSCR). DSCR = annual net operating income / total annual debt, including principal and interest Many lenders won’t consider any business with a DSCR below 1.25, and the higher the number, the stronger you look.

Bank 40

Bank Banking Credit Finance 40

For the Mommas

JULY 27, 2016

Eliminate debt. Credit card debt and high-interest loans are costing you money that you could use in the long-run. Prepare to live on one income by paying down, or paying off, these debts. Take a look at all your monthly bills – utilities, groceries, insurance – and come up with a plan to reduce them.

Baby 40

Baby Debt Credit Cards Phone Service 40

Prairie Eco-Thrifter

MAY 26, 2016

We could take on debt to grow using other people’s money. However, taking on debt without the current ability to repay it can result in loss of down payment and years of debt interest payments. Sure, we aren’t getting much money, but mortgage lenders are also experiencing the lowest rates in decades.

Money 124

Money Saving Money Lowes Grandchildren 124

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. This post discusses the top 10 myths about life insurance. Penge Snak!:

Credit Cards 220

Credit Cards Credit Finance Personal Finance 220

Prairie Eco-Thrifter

JULY 13, 2015

I hope to show you how to use debt wisely. There are lots of ways to get into to debt. High interest credit card debt can really drag you down, yet you might want to take out a business loan to start up a really great business idea. Try for internships to get a feel for what the work is really like.

Personal Finance 100

Personal Finance Finance Debt Money 100

Family Balance Sheet

JULY 9, 2015

It’s no secret, I am fascinated, encouraged, and border-line obsessed with debt freedom. The idea of becoming debt free makes me downright giddy. So I love to hear the success stories of others who have found debt freedom. What did they specifically do to become debt free? 10 Smart Ways to Become Debt Free.

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Debt Free Debt Budgeting Budget 100

Prairie Eco-Thrifter

AUGUST 17, 2017

High school grads today have seen parents using credit cards (or maybe even their cell phones) to charge everything from gas to groceries to online purchases. In their minds, part of the college experience is being an (almost) adult, which in turn means access to credit. Your credit rating is a precious thing.

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College Graduation Used Points 133

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. Insurance and Risk. ” Managing Debt. Here are 5 steps to painlessly become debt free.

Money 133

Money Finance Personal Finance Real Estate 133

Penny Pinchin' Mom

FEBRUARY 16, 2024

Get Insurance Did you know that the average life insurance cost per household is roughly $993 a year ? In my book, insurance is an absolute necessity. And I’m talking about all forms of insurance, from health to life and even home insurance. You can do this with anything.

Money 52

Money Insurance Debt Bulk 52

Nicoles Nickels

JANUARY 21, 2015

By filing for bankruptcy, you could drastically reduce your wait time and eliminate all other debt which would help you save money so you can buy a new home in 2 years once you qualify.

Florida 40

Florida Debt Twinings Insurance 40

Prairie Eco-Thrifter

JANUARY 26, 2011

Shop for the lowest prices : For the expenses you can ‘t eliminate, like insurance for example, start shopping around for the best prices. Long distance telephone services, mortgages, insurance, and utility costs can all be reduced. It is loaded with recipes for the DIYer. You just have to shop around.

Bills 124

Bills Money Insurance Saving Money 124

Prairie Eco-Thrifter

JANUARY 30, 2017

The New York Daily news reported that wife of Yankee ball player Alex Rodriguez’s wife ran up credit card debt of $100,000 when she found out about a dalliance between he and Madonna. During the divorce proceedings he claimed his soon to be ex-wife indulged in revenge spending when she found out about the affair.

Money 100

Money Camping Equipment Bank Banking 100

Nicoles Nickels

JANUARY 18, 2012

Some of the most common resolutions is to save more money, spend less money, or pay off credit card debt. 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.

New Year's 40

New Year's Frugal Insurance Budgeting 40

Savings Corner

DECEMBER 24, 2023

Get started: You can get your credit report and score from each of the three major credit reporting agencies, Equifax, Experian and TransUnion, for free once a year. Your bank or credit card company might offer free access to your score or credit report, too.

Real Estate 52

Real Estate Buy Buying Credit 52

Prairie Eco-Thrifter

AUGUST 19, 2012

Consider it insurance and don’t fret that it’s only earning measly interest in a savings account. Buy Insurance Speaking of insurance, this is another area that can help you avoid financial disaster. Insurance is protection against the unknown and is one of the most effective ways to shield yourself from financial ruin.

Emergency Fund 222

Emergency Fund Insurance Debt Credit Cards 222

For the Mommas

JULY 24, 2016

You can use the difference in income to pay off debt, save or invest. If you calculate your mortgage interest, the cost of insurance and maintenance, buying can be much more expensive than renting. Stop using your credit cards. Credit cards make buying too easy and you usually end up buying too much when you use them.

Frugal Lives 49

Frugal Lives Frugal Living Frugal Magazine and Newspaper Subscriptions 49

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

Prairie Eco-Thrifter

JULY 20, 2011

I started by cutting grocery expenses, and then expanded to lowering monthly bills and reducing insurance fees. For example, if you’ve gotten yourself down from five-digit credit card debt to a zero balance, then your monthly bills are the lowest they can be, so it’s okay to spend a little on yourself.

Frugal 174

Frugal Personal Finance Frugal Life Money 174

Savings Corner

APRIL 4, 2024

This increases your mortgage debt but gives you money that you can invest or use to fund a goal, like a home improvement project. Debt consolidation refinance Caret Down Like cash-out refinances, debt consolidation refinances give you cash. You can use these funds as retirement income, to pay medical bills or for any other goal.

Refinancing 52

Refinancing Work Debt Financial Goals 52

Family Balance Sheet

APRIL 12, 2016

Today’s Debt Free Story is from Jessica. 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. I had $29,000 in MBA student loans, $14,000 in credit cards, and $13,000 in a car loan. What inspired you to get debt free?

Credit Cards 100

Credit Cards Debt Debt Free Student 100

Prairie Eco-Thrifter

JUNE 18, 2021

Retirement has become an uncertain landscape for many families as they’ve watched economic markets shift and debt grow while financial burdens wreak havoc. Look at the last six months of your credit card statements along with your bank statements to review what cuts to make to reduce expenses. Life is unexpected.

Insurance 100

Insurance Re-use Delivery Service Family 100

Prairie Eco-Thrifter

FEBRUARY 19, 2013

is for ‘other’ expenses and this category includes things like education, gifts, vacations, personal care, tobacco and alcohol, contributions, personal insurances, pensions and miscellaneous expenses. Credit Cards. Credit cards are probably the greatest danger to all your best intentions of sticking to your budget.

Budgeting 222

Budgeting Budget Credit Cards Transportation 222

Savings Corner

DECEMBER 24, 2023

Is there a downside to freezing your credit? There are some downsides to freezing your credit. You may be susceptible to scams involving your Social Security number and your insurance rate could increase if your state allows insurers to use credit information to set rates. Who can access frozen credit reports?

Credit 52

Credit Monitors Insurance Taxes 52

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

JUNE 20, 2012

Working out how much the down payment would be is only half the answer – you’ll also need to work out what is affordable on your budget once you’ve factored outgoings and debts into the bargain. How much of your income would be used to pay down your house-related debts? What Can You Afford? What Is an Affordable Mortgage?

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Money Home Debt Buy 186