Savings Corner

APRIL 4, 2024

Key takeaways Home equity loans and HELOCs are both financing tools that allow you to borrow against your ownership stake in your home. HELOCs (home equity lines of credit) come with variable interest rates and fluctuating monthly payments (like credit cards). A home equity line of credit (HELOC) is also secured.

Home 52

Home Work Debt Credit 52

Prairie Eco-Thrifter

JULY 4, 2011

Hello and welcome to the 316th Carnival of Personal Finance- Family Edition. They are also there working with you to help you reach your goals; even those financial goals. Big Cajun Man from THE Canadian Personal Finance Site asks What is Your Financial Plan B? Andy from Saving to Invest discusses Happiness in Life and Work.

Personal Finance 240

Personal Finance Finance Family Debt 240

Savings Corner

APRIL 4, 2024

How does a cash-out refinance work? Your cost to borrow could be lower: Cash-out refinances often have lower rates than home equity loans , personal loans and credit cards. You can improve your credit: If you use your equity to consolidate debt, your credit utilization could drop.

Refinancing 52

Refinancing Work Debt Home Improvement 52

Family Balance Sheet

APRIL 1, 2015

I work full time in IT and my wife works part time in retail. It was all consumer debt spread over 5 credit cards. After trying to extend credit to finance the vacation and we were denied (best thing to ever happen to us) we realized we made too much money to be living like this and something had to change.

Debt 100

Debt Credit Cards Debt Free Credit 100

Prairie Eco-Thrifter

MAY 15, 2012

I mean, I was young, life was good, things were happening; what did I need all that finance stuff for? Better late than never’ is a good approach to personal finance for the over 40s. If you think these numbers are impossible to calculate, you’re right; so just work on averages to get started. This was me, that’s for sure.

Personal Finance 221

Personal Finance Finance Debt Calculators 221

Prairie Eco-Thrifter

OCTOBER 21, 2012

Hello and welcome to this week’s Carnival of Personal Finance. If any of you have seen me host carnivals before you know that I like to add in some funny clips about personal finance for your enjoyment. Editors Picks: Big Cajun Man from THE Canadian Personal Finance Site shares 10 Phrases I have Used to Save Money.

Personal Finance 219

Personal Finance Finance Debt Money 219

Savings Corner

DECEMBER 27, 2023

If your city has officials who work on economic development issues, they may be helpful too. Open a business bank account Keeping your business and personal finances separate is key to managing your business finances. Understand your startup financing options Most businesses need a little capital to get started.

Finance 52

Finance Taxes Insurance Software 52

Prairie Eco-Thrifter

APRIL 10, 2013

And, even if you stay close to home, it’s nice to know that your finances are moving smoothly. Anytime you automate a portion of your finances, you need to be aware of your cash flow. Strategy: Use Your Credit Card. Make sure that your spending is within your income, and pay off the credit card each month.

Bills 271

Bills Credit Cards Finance Credit 271

Family Balance Sheet

APRIL 1, 2011

You spring clean your home; why not spring clean your finances? Welcome in the beauty of the season with 5 Steps to Spring Cleaning Your Finances Review your 2011 Financial Goals. The Family Balance Sheet is a form that I created to help me communicate the state of our finances with my husband. Organize your financial paperwork.

Finance 127

Finance Financial Goals Goals Credit 127

Family Balance Sheet

SEPTEMBER 21, 2015

We carried no credit card debt and we contributed to our retirement. This summer, I had the opportunity to work with Prudential on their Women Inspired campaign. 5 Lessons Learned When Our Finances Went Awry. I had put all of that pressure on myself when we really needed to be working as a team. Yep, life was good.

Finance 100

Finance Debt August 2013 100

Motherhood Moments

MARCH 4, 2023

Source : freepik.com Managing finances can be an incredibly stressful and overwhelming endeavor. 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. And this can help you steer clear of debt.

Debt 130

Debt Money Building Credit Cards 130

Family Balance Sheet

OCTOBER 13, 2014

Welcome to 31 Days to Organize Your Finances. 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. Last year, our van needed 4 new tires to pass its state inspection and our 13 year old dryer stopped working. Six months?

Emergency Fund 100

Emergency Fund Finance Organic Organization 100

Family Balance Sheet

OCTOBER 6, 2014

Welcome to 31 Days to Organize Your Finances. 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. Too often we only think about goals in January, but today we’re going to work on new financial goals.

Financial Goals 113

Financial Goals Goals Finance Organic 113

Prairie Eco-Thrifter

FEBRUARY 3, 2016

While my spouse and I were in the throes of child rearing we didn’t think much about providing an intentional or structured set of lessons around personal finance. Here are a few that worked for us. No, we won’t put that on the credit card and pay for it later. Credit cards require maturity.

Work 100

Work Kids Bank Banking 100

Family Balance Sheet

APRIL 19, 2016

She writes at her personal finance website, And Then We Saved. It was a mix of college loans, a personal loan from my parents (for college), an overdraft account, and credit card debt. I had tried a lot of different things to get out of debt but nothing worked. It works for us. Tell us about you and your family.

Credit Cards 100

Credit Cards Debt Free College Debt 100

Prairie Eco-Thrifter

JANUARY 1, 2013

A financial advisor told me recently that the thing that really made him upset was that nearly every new client he spoke to was making the same disastrous personal finance mistakes. So let’s look at the most common personal finance mistakes and what you can do to prevent or fix them. Minimum Payments On Credit Cards.

Emergency Fund 272

Emergency Fund Credit Cards Personal Finance Finance 272

Family Balance Sheet

AUGUST 21, 2020

Need a quick snapshot of your finances? I’m a firm believer that finances must be organized and neat, and a Family Balance Sheet helps you keep track of your finances in one tidy spreadsheet. But as we worked our way through our Debt Freedom Plan , we watched our debts fall and our net worth climb.

Family 241

Family Debt Finance Kids and Family 241

Koupon Karen

JANUARY 15, 2024

We’ll explore how to effectively leverage business financing, providing guidance to navigate through any uncertainties. This can present both opportunities and challenges when it comes to business financing and growth. Lines Of Credit: These offer a pool of funds that you can draw from as needed. This article is here to help.

Family 52

Family Finance Debt Monitors 52

Prairie Eco-Thrifter

JULY 13, 2015

Before you get ready to shove those kids of yours out of the nest, here are what I consider to be (based on my experience as a person, a Mom, and a Grandma) the most important things you (or someone) should teach them about personal finance. 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

OCTOBER 17, 2014

Welcome to 31 Days to Organize Your Finances. 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. We even thought we handled debt well since we avoided credit card debt. To us, debt was a necessary evil.

Debt 100

Debt Finance Organic Organization 100

Savings Corner

DECEMBER 24, 2023

Simply fill in your outstanding loan amounts, credit card balances and other debts. Fill in your outstanding loan amounts, credit card balances and other debts to see what your monthly payment could look like. Personal loans A personal loan is an unsecured loan that, unlike a credit card, has equal monthly payments.

Debt 52

Debt Calculators Credit Cards Credit 52

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. Here are the main types of personal loans to know.

Debt 52

Debt Credit Cards Credit College Tuition 52

Family Balance Sheet

DECEMBER 29, 2020

If your fresh start for the New Year includes improving your finances, you are not alone! This package is designed to help you organize your finances, create a budget, plan for major purchases, understand your cash flow, and track your net worth. I created it as a way to communicate our finances to my husband.

Budgeting 130

Budgeting Budget Family Property Taxes 130

Family Balance Sheet

APRIL 9, 2021

We didn’t carry over credit card balances, we paid off our car notes early, and the interest rate on the student loan was at a low 2.75%. We agreed that credit card debt wasn’t very smart, but a car loan? Dave Ramsey has a plan and it has worked for millions of people. We thought we were doing really well.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Family Balance Sheet

MARCH 9, 2018

I’ve been working behind the scenes on a tool that I personally use to track and organize our finances: Family Budget Spreadsheets. This package of 9 Microsoft Excel spreadsheets is designed to help you organize your finances, plan for major purchases, create a budget, understand your cash flow, and track your net worth.

Budgeting 160

Budgeting Budget Family Property Taxes 160

Prairie Eco-Thrifter

APRIL 11, 2011

Guest Post Author Bio: Broke Professionals is a personal finance blog aimed at the over-educated and underpaid. My dad has worked for nearly 40 years as a School Custodian. On work ethic: “Never turn down overtime. Lesson : Be dependable and hard-working. My work is my exercise. He is one of my heroes.

Work 133

Work Debt Credit Cards Finance 133

Prairie Eco-Thrifter

JULY 9, 2013

I also had to iron, make my bed, clean the wood floors in my bedroom, help Dad when he worked on the car and help out with special projects (like painting the rental house). I learned that when you work for someone else, they get to set the minimum job well done standards. until late in life and then only credit cards.

Used 228

Used Parenting Credit Cards Debt 228

Family Balance Sheet

DECEMBER 28, 2016

I’ve been working on an exciting project over the last few months and I finally have all of the details! If you’re thinking about some resolutions for 2017 that have to do with YOUR finances, then I’m inviting you to join me in January for the New Year New You Financial Summit. 8 pm EST: TBD.

New Year's 100

New Year's Debt Personal Finance Real Estate 100

Penny Pinchin' Mom

FEBRUARY 16, 2024

That’s why a vast majority of us go the financing route. Narrow Down a Price Range If you are going to save money , you need to have a target savings goal in mind that you can work toward. Use Cash Every time you use your credit card, you are paying interest on that purchase.

Cars 52

Cars Car Bank Banking 52

Savings Corner

DECEMBER 25, 2023

How does a cash-out refinance work? Cash-out refinances are helpful with major expenses, because you generally can borrow much more than you could with a personal loan or by using credit cards. With a cash-out refinance , you’re getting a new loan that’s for more than you owe on your current mortgage.

Refinancing 52

Refinancing Debt Credit Cards College Tuition 52

Family Balance Sheet

MARCH 26, 2021

Do you have enough cash to cover them or would you have to rely on high-interest credit cards or a loan from your family? With little money in their bank accounts, these Americans couldn’t afford these unfortunate expenses without using a credit card or maybe relying on a loan from family and friends.

Emergency Fund 130

Emergency Fund Building 2007 Credit Cards 130

Family Balance Sheet

NOVEMBER 19, 2014

The debt included about $30,000 in student loans, some medical debt, IRS debt, and a small amount on a credit card. We have always loved to travel and do missions work for our church. Daniel took on an extra job doing support work for an online company that he could do from home. Daniel does all the day-to-day finances.

Debt 245

Debt Debt Free Finance Friends And Family Sale 245

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. Your money stays yours, so you can make it work for you.

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Family Balance Sheet

MAY 6, 2020

For many households, their finances and budgets are in limbo. My family’s finances have also been affected. 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. So we got to work! Everything changed.

Debt 130

Debt Emergency Fund 2007 2020 130

Prairie Eco-Thrifter

MAY 30, 2012

The same can be said about finances – it is often the little things you do, the small actions you take, that have the biggest impact on your financial security, both in the present and in the future. A budget helps you track your finances so you know exactly where you are and whether you’re on track.

Money 235

Money Emergency Fund Debt Financial Goals 235

Prairie Eco-Thrifter

APRIL 10, 2014

I can give you a million ideas and ways to change your situation, but you have to be willing to do the work. Some people just want to complain about what they don’t have and what they can’t do rather than doing what it takes to make it work. This was such a perfect example. My rent in our spacious three bedroom was $500/month.

Price 209

Price Rent Financial Goals Converse 209

Penny Pinchin' Mom

DECEMBER 17, 2023

You are one emergency short of losing track of your finances. This is why you should pay off your high-interest debts like credit cards first. The best way to get out of existing debt when your credit card balances are high is to stop charging them and live within your limits as you pay them down. What gives?

Pay Off Debt 52

Pay Off Debt Debt Emergency Fund Financial Goals 52