Family Balance Sheet

MAY 6, 2020

How Our Debt Freedom Plan Prepared Us for the Pandemic. I am totally paraphrasing the year, but had it not been for the money in our emergency savings, we would most likely have used credit cards to survive. We’d survived the dip in 2007, carried no credit card debt, and we were contributing to our retirement.

Debt 130

Debt Emergency Fund 2007 2020 130

Prairie Eco-Thrifter

NOVEMBER 6, 2013

Credit card rewards programs are no different. The rewards encourage you to charge things on their card. Many people today seem to prefer paying by credit card. carries credit card debt of $15,325, although that figure is somewhat skewed by a small number of extraordinarily debt-stricken families and couples.”.

Credit Card Rewards 228

Credit Card Rewards Credit Cards Credit Rewards 228

Prairie Eco-Thrifter

JANUARY 8, 2013

Personal debt has unfortunately become a way of life in the 21 st century with levels reaching all time highs. Easy credit, a have-it-now mentality and the consumer-driven society have all created this situation. Managing your debt is vital if you are to avoid going down this road. Does any of that sound familiar?

Debt 271

Debt Win Credit Cards Money 271

Family Balance Sheet

APRIL 1, 2015

Today’s Debt Free Story is from Brian. He writes at Debt Discipline about about how his family of 5 deals with money, budgets and debt. I started my blog Debt Discipline to help keep us accountable while paying off our debt. How much debt did you pay off? What kind of debt was it?

Debt 100

Debt Credit Cards Debt Free Credit 100

Family Balance Sheet

NOVEMBER 19, 2014

Today’s Debt Free Story is from Amanda & Daniel. Together they blog about becoming debt free and location independence in order to serve the world at Life with a Mission. How much debt did you pay off? What kind of debt was it? We paid off $68,000 of debt in eight months. Who initiated the debt free goal?

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Debt Debt Free Finance Friends And Family Sale 245

Family Balance Sheet

MAY 4, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. Credit Card Cash Back Redemptions in April: $439.62. Years ago during our Debt Freedom Plan, I avoided using credit cards, not because we had credit card debt, but I was trying to limit our overall spending.

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April Money Credit Cards Donation 130

Prairie Eco-Thrifter

APRIL 13, 2011

Guest Post Author Bio: The following post comes from the NerdWallet.com team, experts in helping users find the right rewards credit cards. 4 of the Craziest Credit Card Scams. Then to top it all off, there are credit card scammers out there that are looking to get your personal information.

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Credit Cards Credit Debt Identity Theft 145

Family Balance Sheet

SEPTEMBER 20, 2016

The segment was so inspiring that I reached out to her to see if she would participate in the Debt Free Stories series. She hosts a You Tube channel, The Former Mrs. Jones , where she vlogs about budgeting, debt free living, and family life. Meet the Former Mrs. Jones: Her Debt Free Story. How much debt did you pay off?

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Debt Debt Free Bath and Body Works Gas 100

Family Balance Sheet

SEPTEMBER 29, 2016

I watched her and her husband’s debt free scream on The Dave Ramsey Show. You can find Angela at her You Tube channel, Our Life…on a Budget , where she vlogs about getting out of debt and staying there! Angela & Jeff’s Debt Free Story. How much debt did you pay off? What kind of debt was it?

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Debt Debt Free Budgeting Budget 100

Family Balance Sheet

MARCH 19, 2014

Prior to FPU, we thought we were doing well financially and never considered that we had too much debt. We didn’t have credit card debt, we paid off our car notes early, and the interest rate on the student loan was at a low 2.75%, so we thought we were doing okay. “Debt is Dumb and Cash is King.”

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Debt Money Emergency Fund Goals 100

Family Balance Sheet

FEBRUARY 23, 2015

Our main financial goal in 2015 is to pay down our non-mortgage debt. I have scrutinized our budget tirelessly and I really feel like there’s nothing more to cut, so my focus is turning to finding money to put towards debt. In January, I found $370 to put towards our debt: 1. Where can we find extra money?

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Debt January Money Financial Goals 100

Family Balance Sheet

OCTOBER 17, 2014

We’ll talk about cash flow, budgets, debts, and all of the nitty gritty of our finances that might not be fun to talk about, but are so important to discuss. For years, my husband and I didn’t consider OUR debts to be wrong. To us, debt was a necessary evil. Today’s assignment: Create a Plan to Eliminate Your Debt.

Debt 100

Debt Finance Organic Organization 100

Family Balance Sheet

JANUARY 21, 2015

Today’s debt free story is from Aja. How much debt did you pay off? What kind of debt was it? We paid off about $110K worth of debt. We paid down mostly student loans, vehicles and business credit card debt ( we already own a home outright ). What inspired you to get debt free?

Debt 100

Debt Debt Free Las Vegas Finance 100

Prairie Eco-Thrifter

MARCH 7, 2011

Guest Post Author Bio: Ryan is a contributory writer associated with the Debt Consolidation Care Community and has written several articles for various financial websites. He holds his expertise in the Debt industry and has made significant contribution through his various articles. Leave behind debt relief options.

Debt 171

Debt Thrifty Money Fuel 171

Savings Corner

DECEMBER 24, 2023

Key takeaways A personal loan is money you can borrow to finance large purchases, consolidate debt, invest in yourself or cover emergency expenses. Working to improve your credit score and reduce your debt-to-income ratio before applying can help get you the best loan terms.

Debt 52

Debt Credit Cards Credit College Tuition 52

Family Balance Sheet

JUNE 16, 2015

Today’s Debt Free Story is from Lydia. She blogs about living a limitless life on a limited budget at Frugal Debt Free Life. How much debt did you pay off? What kind of debt was it? We paid off $36,000 in student loans, credit cards, cars and a bit of medical debt. Well, not really.

Debt 100

Debt Debt Free Finds Goals 100

Family Balance Sheet

JULY 22, 2015

Today’s Debt Free Story is from Deacon. He is a financial coach and blogs at Well Kept Wallet. I own two different business, Phoenix SEO Company which helps businesses get on the first page of Google and Well Kept Wallet which is a Financial Education company. How much debt did you pay off? What kind of debt was it?

Debt 100

Debt Debt Free Finance Finds 100

Motherhood Moments

JANUARY 24, 2023

Keep in mind that a home warranty will be an extra expense each month, but it may be well worth it for peace of mind. Check Your Credit Report for Errors There are a few tactics that you can try when it comes to raising your credit score and improving your clout as a potential home buyer. Remember to be smart along the way.

Money 130

Money Home Real Estate Warranties 130

Savings Corner

APRIL 4, 2024

Key takeaways A home equity loan allows you to borrow a lump sum against your home’s equity, usually at a fixed interest rate that’s lower than other forms of consumer debt. While high compared to their average of six percent in 2022, that’s significantly lower than other forms of consumer debt. What is a home equity loan?

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Home Debt Credit Cards Credit 52

Penny Pinchin' Mom

JANUARY 16, 2024

However, if you have been following me, you know that I am quite serious about finding ways to not only get out of debt but also how to create a budget (and stick to it) as well as how to save money without necessarily depriving your family of the quality of life they deserve. Again, you’re not alone with this problem.

Personal Finance 52

Personal Finance Finance Tips Finance Mom 52

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. How does your debt-to-income ratio impact affordability? Debt and expenses. Credit profile.

Calculators 52

Calculators Debt Taxes Insurance 52

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

Saving Cents With Sense

JANUARY 24, 2012

Then more than a year ago something in me changed after a health scare and I realized that it’s important to pay off debt and save more than ever. I’m currently taking care of my debt one month at a time. However, I know now that paying off debt is more important. Learning to be frugal isn’t going to happen for me overnight.

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Pay Off Debt Debt Credit Cards Frugal Parenting 94

Savings Corner

APRIL 4, 2024

Personal loans are becoming more popular among people looking to consolidate debt and find lower interest rates than credit cards. Your debt-to-income ratio helps lenders determine how much debt you already have compared to your income. According to a Bankrate study, the average personal loan interest rate is 12.10

Debt 52

Debt Bank Banking Credit 52

Prairie Eco-Thrifter

JULY 9, 2013

I learned that when you work for someone else, they get to set the minimum job well done standards. They didn’t use credit (I’m not even sure they ever had a mortgage!) until late in life and then only credit cards. They had low paying jobs and huge debt loads. Credit card debt is bad.

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Used Parenting Credit Cards Debt 228

Savings Corner

DECEMBER 24, 2023

To calculate your net worth, take inventory of what you own, as well as your outstanding debt. That includes revolving consumer debts — such as credit card balances — as well as personal, auto, payday and title loan balances. If you’re using your home as an asset, its mortgage counts as a liability as well.

Calculators 52

Calculators Taxes Debt Consumer 52

Prairie Eco-Thrifter

NOVEMBER 25, 2012

In this article we will look at the pros and cons of saving and investing, as well as reducing debt, as a means of gaining financial security. So, your question could well be – “What should I do with my spare cash to get the best return?” What About Debt? What do you do? Save or invest?

Money 189

Money Debt Refinancing Credit Cards 189

Savings Corner

DECEMBER 27, 2023

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. To qualify you, lenders look at factors including your credit score, credit report and debt-to-income ratio. 1, 2023, through Nov.

Debt 40

Debt Home Improvement Consumer Credit 40

Prairie Eco-Thrifter

JANUARY 5, 2014

“How we handle our money early in life can impact us in future years- for example, young adults who rely on credit may find themselves continuing this pattern throughout life and consumed with debt.” You should be laser focused on getting rid of any student loans or credit cards. Start an aggressive debt payoff schedule.

Personal Finance 192

Personal Finance Finance Finance Tips Graduation 192

Prairie Eco-Thrifter

JANUARY 18, 2019

Here are some situations that could warrant the need for quick funding: Debts Must Be Settled: For those that care about their credit score, paying off a debt means making sure that each monthly payment is made on time, and in full. Failing to do so could be detrimental to that squeaky-clean credit! Credit Cards.

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Credit Cards Credit Debt Hawaii 100

Prairie Eco-Thrifter

DECEMBER 7, 2014

Borrowers with very good credit can get an APR as low as 6.7% In the past, most loans (80%) have been for debt consolidation. To be sure, there are risks for borrowers in peer loans but really no more than those risks in other types of debt. Credit is a tool in personal finance. Should You Co-Sign a Loan for Someone Else?

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Debt Personal Finance Finance Credit 188

The Frugal Girl

NOVEMBER 27, 2023

We don’t live super frugally, but we do live well within our means and try not to be wasteful with our resources. I made some foolish choices shortly after graduating college, burning through my savings and running up credit card bills. I hope I can teach my kids as well as my parents taught me.

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California Cars Car College 172

Prairie Eco-Thrifter

AUGUST 6, 2013

With everything that’s going on right now, we can’t really afford to take on that kind of debt obligation. Credit checks might be performed before we can get into an apartment or buy a different home. There are a number of obligations coming up, and we need our credit situation flexible. We might have to move.

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Debt Credit Money At&T 238

Family Balance Sheet

FEBRUARY 2, 2017

They pay off mountains of debt and scream about debt freedom, or maybe they save gobs of money in a record amount of time, or they have considerable success with their new small business. Meet The Achievers: Deacon and his wife paid off $52,000 in debt in 18 months. His 2017 goal is to make $100,000 in online income.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

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. Here’s how.

Calculators 52

Calculators Home Debt Fair-Trade 52

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

MAY 25, 2014

Or put yet another trip to Las Vegas on the credit card. Me from 15 years ago would get an earful about what not to do, and advice on budgeting and saving and staying out of debt. By then, I was married, raising a toddler, our family was paying down debt and I was practicing much better financial discipline.

Money 209

Money Giving Las Vegas Credit Card Rewards 209