The Frugal Girl

NOVEMBER 22, 2023

For example, I visited Panera last week when my refrigerator was out. I am also very curious if service people receive 100% of the tips given via credit cards and apps. I don’t usually tip when it’s a self-serve experience In Bee’s Panera example, I would not feel obligated to tip. So, I still do that.

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Good Service At&T Food and Drink Restaurant 193

Motherhood Moments

DECEMBER 15, 2022

Get cash back with your credit cards. Did you know that most credit cards have deals and offers attached to them? Example: I love my Platinum American Express, but to justify the annual fee, I take advantage of every perk it offers and I use it to earn cash back. You just have to know where to find them.

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Thrifty Credit Cards Credit Consumer 100

Motherhood Moments

MARCH 4, 2023

For example, you need not go for expensive brands and the latest trends whenever you shop. on your credit card. Make smart choices with credit. Credit can be a valuable tool when used wisely, but it can also quickly lead to debt if you're not careful. Now, staying frugal doesn't mean living a life of deprivation.

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Debt Money Building Credit Cards 130

Motherhood Moments

FEBRUARY 7, 2023

Almost 1 in 5 Americans think a Valentine’s Day gift is worth going into credit card debt. Bad Credit Might Keep You Single. Around half of Americans would not marry someone with a bad WalletScore or bad credit. Why are men more likely to think that buying a Valentine’s Day gift is worth going into credit card debt?

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Valentines Day Thrifty Debt Las Vegas 130

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. Using our example above, that’s 0.8 For example, if you wanted a $30,000 home equity loan, your CLTV would come to 60.97 Home equity can be a valuable resource for homeowners.

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Calculators Home Debt Fair-Trade 52

Savings Corner

APRIL 4, 2024

Cash-out refinance example Let’s say you still owe $100,000 on your home, and it’s currently worth $400,000. So, for this example, that means you need to keep $80,000 in equity, leaving you with up to $220,000 in tappable equity. For a multifamily home, for example, you can only borrow up to 75 percent.

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Refinancing Work Debt Home Improvement 52

Prairie Eco-Thrifter

APRIL 10, 2013

Strategy: Use Your Credit Card. While it can’t be helped with the mortgage payment, and while I have the car and student loan payments deducted from my checking account, there are some smaller, recurring expenses that can be charged to a credit card and then discharged once a month. Do you use automatic bill pay?

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Bills Credit Cards Finance Credit 271

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. In the above example, that would allow a mortgage payment of $1,260 to achieve a 28% DTI.

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Calculators Debt Insurance Taxes 52

Penny Pinchin' Mom

FEBRUARY 16, 2024

For example, if you want to buy a car worth $20,000, you could decide to save $1,000 a month for 20 months or $5,000 a month for four months. Use Cash Every time you use your credit card, you are paying interest on that purchase. Spending hard cash is much harder than swiping your credit card.

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Cars Car Bank Banking 52

Savings Corner

APRIL 4, 2024

Try to boost your credit score ahead of time by paying off credit card balances and avoid applying for new credit accounts. They may ask for copies of utility bills, lease or rental agreements, property tax bills or credit card statements as proof of address.

Debt 52

Debt Credit Cards Credit Home Improvement 52

Prairie Eco-Thrifter

DECEMBER 8, 2014

At the time, I didn’t have credit cards so it was a valid concern. As an adult, I use both cash and credit as well as checks. Occasionally merchants will discount the price because they don’t have to pay the credit card fees on your purchase. That day the entire credit system nearly collapsed.

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Used Credit Cards Gasoline Consumer 180

Savings Corner

DECEMBER 24, 2023

For example, if you have a mortgage on a house with a market value of $200,000 and the balance on your loan is $150,000, you can add $50,000 to your net worth. For example, your home would count toward your net worth if you’re willing to use it for a home equity line of credit or sell it should the need arise.

Calculators 52

Calculators Taxes Debt Consumer 52

Savings Corner

DECEMBER 27, 2023

For example, the accrual method would factor in accounts receivable as soon as an invoice is sent out as opposed to when the invoice is actually paid. Businesses should record revenue only when there’s reasonable certainty that it will be recognized, for example by a purchase order or signed invoice. Here is a list of our partners.

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Software Personal Finance Credit March 52

Family Balance Sheet

MARCH 4, 2015

in credit card debt, and an additional $28,756.17 If we look at the coffee example, I do grab an occasional coffee when I’m out but I have never gone back to that old habit. How much debt did you pay off? What kind of debt was it? How long did it take you? I had $50,784.35 To me it’s a waste of money to buy coffee every day.

Debt 100

Debt Credit Cards Debt Free Student 100

Penny Pinchin' Mom

MARCH 11, 2024

So I would suggest using this method until you have your spending habits under control, and then you can go back to the credit cards. The idea is this: Get 100 envelopes Label them #1-#100 Put cash in the envelopes in correspondence with the number For example, on day one, in envelope #1, put in $1. This is part of what I meant.

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Saving Money Money Saving Credit Cards 52

Savings Corner

DECEMBER 27, 2023

Even if you’re doing a credit card consolidation loan [and] the only reason you got a consolidation loan is to have one payment, it still makes sense to gauge the impact on your budget,” Young says. Know where every dollar goes Find ways to spend more on the things you love, and less on the things you don’t.

Debt 52

Debt Refinancing San Antonio Rhode Island 52

The Frugal Girl

NOVEMBER 27, 2023

I made some foolish choices shortly after graduating college, burning through my savings and running up credit card bills. I try to set a good example, so hopefully that’s a good start. I like to have money saved because of the sense of security that we could cover most emergency expenses that arise. Not really.

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California Cars Car College 172

Prairie Eco-Thrifter

SEPTEMBER 3, 2013

I would be doubtful too if someone told me that, but the truth is that it’s rather easy to do if you have a rewards credit card and work hard to maximize your earning potential with it. Here’s what I do to make sure I can take a free vacation or trip at least once a year using just my points: Use the card to pay for everything.

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Vacation Credit Cards Frugal Airline 200

Family Balance Sheet

OCTOBER 15, 2021

Side Note #1: I do not advocate the use of credit cards unless you are able to pay off the balance every month so as not to incur fees and charges. In the below example, you would earn 3% cashback from your purchases at Old Navy and 2% at Walmart. These percentages change often, depending on the promotion.

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College Used 2020 Saving 130

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. Pros Lower interest rates: Personal loans typically have lower interest rates compared to credit cards, especially if you have a high credit score.

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Debt Credit Cards Credit College Tuition 52

Savings Corner

DECEMBER 24, 2023

The lowest rate quoted assumes excellent credit, and a loan term of 36 months or shorter. For example, if you borrow $10,000 for 36 months at 15.99% APR, to repay your loan you will have to make 36 monthly payments of approximately $351.52. Credit cards issued by Citibank, N.A. Otherwise, a higher rate will apply.

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December CitiBank Puerto Rico Ranges 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?

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Home Debt Credit Cards Credit 52

Coupons Do Work

JANUARY 26, 2016

For those who shop at Kohl’s, there is a way to save even more money by COUPON STAKING and you can stack up to FOUR COUPONS In-Store and Online Codes , here is how to do it : Kohl’s has three types of coupons that can be used by everyone or with a Kohl’s credit card (Kohl’s Charge). One Max per Order).

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Kohls 2016 Credit Cards Free Shipping 100

Prairie Eco-Thrifter

FEBRUARY 3, 2016

Set an example of living below your means. No, we won’t put that on the credit card and pay for it later. take an hour and together work through some compound interest examples – on paper, so he or she can see how the interest makes the money grow. Credit cards require maturity.

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Work Kids Bank Banking 100

Savings Corner

DECEMBER 27, 2023

Ideally, getting one positively impacts your overall financial health, by helping you pay off debt faster, for example, or adding to the value of your home. It also provides an apples-to-apples comparison across financial products, so you can compare the cost of a personal loan to a credit card, for example.

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Debt Home Improvement Consumer Credit 40

Prairie Eco-Thrifter

APRIL 27, 2011

Guest Post Author Bio: Mike runs a site for credit card reviews and talk, CreditCardForum.com. Although he does advertise things like credit card bonus offers on his site, he stresses the importance of thinking them through in advance. Signing up for credit card bonus offers is stupid if it leads to excess spending.

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Credit Cards Gas Mileage Money Credit 150

Penny Pinchin' Mom

DECEMBER 17, 2023

Say for example, if I put $500 away this month but still had $9,000 in debt, I would immediately think, I potentially only owe $8,500 but have $0 in savings. This is why you should pay off your high-interest debts like credit cards first. Hidden in the terms might be clauses with penalties for early repayment.

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Pay Off Debt Debt Emergency Fund Financial Goals 52

Prairie Eco-Thrifter

JANUARY 30, 2012

For example, you need a bed frame, and you would like some bedside tables. A plan will help keep you from getting distracted and spending too much time looking at kitchen tables, for example. Are Credit Cards From Grocery Stores Worth It? Also, decide what you need before you leave the house. This post was written by YFS.

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Thrift Stores Thrifting Furniture Storing 201

Koupon Karen

APRIL 18, 2024

Common examples include: 15% off purchases over $200 $10 off the first app order Free shipping with code FREESHIP Typically distributed directly through retailer emails, partner websites, or influencer posts, voucher codes reward engagement while enticing additional spending.

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Saving Money Money Consumer Discount 52

Prairie Eco-Thrifter

APRIL 20, 2011

Guest Post Author Bio: This post is from Charles at CreditDonkey, where he writes about frugal credit card deals and tips. Visit CreditDonkey.com to find and compare credit cards. However, you can teach stewardship, and set an example by helping others. Not to mention, it will help keep you out of debt.

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Frugal Lives Frugal Living Frugal Credit Cards 154

Prairie Eco-Thrifter

JUNE 14, 2012

Take personal finances, for example; too many people over-think their finances, with the result that it all seems too hard. Debit cards allow you 24/7 access to your own money and help to reduce the use of credit cards. Reduce Your Credit Cards Ouch! We often seem to complicate things, don’t we?

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Simple Finance Budgeting Budget 221

Family Balance Sheet

AUGUST 17, 2011

Credit Card Statements - These can also be found online, so I'm not sure a paper copy is necessary, unless you need it for documentation for tax deductions, then see Taxes below. You should keep any credit card receipts to match up with your statement. Retirement/ Savings/Brokerage Statements -.

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Home Improvement Taxes Credit Cards Bills 153

Penny Pinchin' Mom

MARCH 11, 2024

Unfortunately, many of us head out to the grocery stores armed with nothing but our credit card and a rough idea of what we need. For example, you can clean your marble surfaces using dishwashing soap and some warm water. This is where they exchanged goods, not for money but for other goods or services.

Saving Money 52

Saving Money Money Mom Used 52

Prairie Eco-Thrifter

AUGUST 17, 2017

For example, the University of Toronto offers career development services [link] to current students and recent graduates. 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. They offer: Career education.

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College Graduation Used Points 133

Prairie Eco-Thrifter

JUNE 4, 2013

I like to use my bi-weekly mortgage payments as an example of this. 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.

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Emergency Fund Money Bills Credit Cards 243

Fashion Without Guilt

MAY 9, 2011

For example, when booking a hotel with Hotwire, you can know the area of town, the amenities, and the hotel rating, but not the hotel brand. As an example, you can enter your home city of Houston, and this website will tell you how much it costs to fly to dozens of other cities. Travelocity with the Travelocity Credit Card.

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Budgeting Budget Travel Discount 69

Prairie Eco-Thrifter

OCTOBER 22, 2013

For example, if your kid wants a new bike, tell them to save toward a goal and that you’ll match them if they reach it. If you’re modeling unhealthy and unbalanced financial habits, you can realistically expect your kids will follow the example you’ve given them. The older your kids get, the more you can teach and expose them to.

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Money Kids College Tuition Kids and Family 234