Family Balance Sheet

JULY 10, 2023

This update includes how we frugal-ed in April, May, and June. You may have heard that interest rates on some savings accounts have gone up, so I pulled my head out of the sand and transferred the cash portion of our college savings to two separate savings vehicles: a 15-month CD and a high-yield savings account.

Frugal 100

Frugal June Flights CD 100

Prairie Eco-Thrifter

JANUARY 30, 2013

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. Financial Emergency Preparedness. You also want to be ready financially during an emergency.

Emergency Fund 211

Emergency Fund Job Loss Transportation Staying Warm 211

Prairie Eco-Thrifter

JUNE 4, 2013

However, I might have a client who pays late, so the money may not actually arrive until the following Monday or Tuesday. Some of my automatically paid bills, like the satellite TV bill and the produce delivery, are charged to the credit card each month. My other stopgap is the personal line of credit.

Emergency Fund 243

Emergency Fund Money Bills Credit Cards 243

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

Prairie Eco-Thrifter

OCTOBER 26, 2014

In addition, don’t forget other people you may give a little extra to like your mailman, hair dresser, and child care provider, to name a few. If you stop eating out for four weeks, you may have as much as $100 to $300 set aside for gifts, depending on how frequently you eat out. Another area to focus on may be entertainment.

Holiday 169

Holiday Emergency Fund Homemade Eating Out 169

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. Add to Your Emergency Fund. Get Rid of Debt.

Taxes 40

Taxes Emergency Fund Debt Money 40

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. Building an emergency fund also helps enormously. Get creative.

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Prairie Eco-Thrifter

JUNE 20, 2012

Certain loans are available to make it easier for first time buyers in North America to own their own home and you may be able to qualify for one of these. Total Debt Service (TDS) ratio – This approach looks at your debt levels, including housing debts, loans, car payments and credit card repayments. What Can You Afford?

Money 186

Money Home Debt Buy 186

Prairie Eco-Thrifter

NOVEMBER 12, 2011

Financial Success for Young Adults: Financing a Home Modification – At some point in your life, it may be necessary to modify your home. Money Talks Coaching: Finding Your Emergency Fund – I hear you saying “I know emergency funds are important, but how am I supposed to save money when I can’t even pay my bills?”

November 188

November 2011 Personal Finance Finance 188

Prairie Eco-Thrifter

MAY 26, 2016

Of course, depending on what we buy, we may experience some buyers remorse. You may not be comfortable doing more risky things with your money. If you are risk averse, you may lose sleep (and health) worrying about the safety of your finances. With low interest rates, we also have (at least theoretically) low inflation rates.

Money 124

Money Saving Money Lowes Grandchildren 124

Family Balance Sheet

JUNE 8, 2018

Many years ago, our cash flow sucked, we put Christmas on a credit card, and I wasn’t sure how I was going to pay for a large tax bill. For example, if today is May 22, then follow these steps to plan for June’s budget. Do you look at your bank account and wonder, “where did all the money go?”

Budgeting 133

Budgeting Budget Financial Goals Goals 133

Finally Frugal

FEBRUARY 14, 2011

Unfortunately, my credit card bill has now expanded to match the frustration I was feeling last week as I cleaned up the floor multiple times. I love my cat, but I'm just not sure I'm ready to spend thousands of dollars on tests and treatments that may or may not be helpful. I have four jobs. I'm healthy.

Emergency Fund 45

Emergency Fund Bills Cat Credit Cards 45

Family Balance Sheet

FEBRUARY 3, 2016

We paid off $7,665 worth of credit cards, school loans and a car loan. The next goals in line would be to build up a 3 month emergency fund and save enough money to replace my car. Don’t give up, it may take a while, but it is so, so worth it to become debt free. How much debt did you pay off? Listen to that hope.

Debt 100

Debt Debt Free College Finds 100