Family Balance Sheet

NOVEMBER 2, 2022

Our goal is to NOT put our Christmas purchases on a credit card. January will be one giant nightmare when the credit card bills start rolling in. Hopefully, that’s your goal too. We paid for many of our Christmas purchases on a credit card and then hustled in January 2013 to pay it off.

Christmas 130

Christmas Finds Friends And Family Sale Donation 130

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. Financial Goals – Use this spreadsheet to quantify your financial goals for the current year and years to come.

Budget 130

Budget Budgeting Family Property Taxes 130

Family Balance Sheet

NOVEMBER 25, 2013

We’ve worked hard over the last 11 months to scrimp and save our monthly goal so that we can have a cash Christmas. This idea came to me last January when I received our credit card statement in the mail that had all of our Christmas purchases on it. Our very first meeting for the club was on January 25th.

Club 100

Club November Christmas Credit Cards 100

Family Balance Sheet

JANUARY 25, 2019

On January 25, you might not want to even think about Christmas. Did you use cash or put your purchases on a credit card? But if those gifts were paid with a credit card that doesn’t get paid off as soon as the bill arrives, any savings from store sales, coupons, and/or rebates might be negated from the interest accrued.

2019 100

2019 Club Christmas 2018 100

Family Balance Sheet

OCTOBER 15, 2021

My oldest was in eighth grade and one of my goals for 2020 was to start saving consistently for both daughters’ college education. In January of 2020, I was gung-ho about saving for college, however, I had no idea what was about to happen. My Upromise strategy will help with our goal. Hello, 2020. What is Upromise?

College 130

College Used 2020 Saving 130

Family Balance Sheet

JANUARY 3, 2013

Our goal with the Christmas Savings Club is to save enough cash to achieve a Cash Christmas in 2013. Too many people rely on credit cards to carry them through the holiday spending and January ends up being a very stressful month when those credit card bills start rolling in. Thanks for reading.

Budget 100

Budget Budgeting 2013 Christmas 100

Family Balance Sheet

MARCH 9, 2018

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. Financial Goals – Use this spreadsheet to quantify your financial goals for the current year and years to come.

Budgeting 160

Budgeting Budget Family Property Taxes 160

Family Balance Sheet

JANUARY 2, 2013

Unless it's paid with cash, that is one hefty credit card bill come January. According to the Washington Post and a CreditDonkey survey , "a shopper who charges about $700 on a credit card with a 13 percent interest. A credit Christmas equals: a "how are we going to pay for this" Christmas.

2013 113

2013 Christmas Club January 113

Family Balance Sheet

NOVEMBER 26, 2014

Our goal is to NOT put our Christmas purchases on a credit card. January will be one giant nightmare when the credit card bills start rolling in. Hopefully, that’s your goal too. We paid for many of our Christmas purchases on a credit card and then hustled in January 2013 to pay it off.

Christmas 235

Christmas Finds Part Time Thrift Stores 235

Family Balance Sheet

DECEMBER 28, 2016

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. This summit runs January 9-13, 2017 and consists of 15 workshops over those 5 days. Friday, January 13: 12 noon EST: Investing for (Early) Retirement.

New Year's 100

New Year's Debt Personal Finance Real Estate 100

Family Balance Sheet

SEPTEMBER 25, 2019

On the 25th of every month from January to November in 2019, I will hold a virtual meeting on the blog to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. My monthly goal is $100. You don’t have to divulge your goal, but please let us know HOW you found or saved the money.

2019 100

2019 September Club August 100

Family Balance Sheet

APRIL 1, 2011

Welcome in the beauty of the season with 5 Steps to Spring Cleaning Your Finances Review your 2011 Financial Goals. Did you make some financial goals for 2011 back in January? Take some time this month to review your goals. If you didn't make any goals in January, take some time to plan for the balance of the year.

Finance 127

Finance Financial Goals Goals Credit 127

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? Something happens mentally when you WRITE down your goals and plans for execution. That’s a necessity.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Family Balance Sheet

OCTOBER 25, 2019

On the 25th of every month from January to November in 2019, I will hold a virtual meeting on the blog to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. My monthly goal is $100. Our goal is to have a cash Christmas and usually the holiday season can get a little pricey.

2019 100

2019 October Club Christmas 100

Family Balance Sheet

JANUARY 10, 2014

The Goal of the Grocery Budget Challenge is to keep our grocery spending in line and to be creative with our meal planning so that we aren’t over-spending. On the 30th of each month, between January and November in 2014 , we will meet here to discuss our challenges and successes for the month. Start meal planning ASAP.

Budget 174

Budget Budgeting Grocery Groceries 174

The Frugal Girl

FEBRUARY 18, 2024

In January, the four of us put together a long list of games we wanted to play, many of which were just gathering dust in the basement, and it has become a joint New Year’s resolution to get through all of them before the year is over! My family loves watching movies and tv series together, and having regular game nights. A freebie cabinet.

Kids and Family 185

Kids and Family Home and Garden Money Frugal 185

Family Balance Sheet

FEBRUARY 4, 2015

In January 2013 there was a blog post on Keeper of the Home that first awakened me to the concept of living debt free. I finally got inspired that we should at least start working on this huge goal of being debt free when I read Dave Ramsey’s Total Money Makeover. If married, who initiated the debt free goal?

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Family Balance Sheet

MAY 6, 2020

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. January & February 2020 – Life is good!

Debt 130

Debt Emergency Fund 2007 2020 130

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. Funancials : Should I Cancel My Credit Card? Futures introduction.

Credit Cards 220

Credit Cards Credit Finance Personal Finance 220

Family Balance Sheet

FEBRUARY 28, 2014

The Goal of the Grocery Budget Challenge is to be creative with our meal planning and grocery shopping so that we do not over-spend. O n the 30th of each month, between January and November in 2014 , we will meet here to discuss our challenges and successes for the month with our grocery budget.

Budgeting 124

Budgeting Budget February Groceries 124

Family Balance Sheet

AUGUST 11, 2016

We still refer to it often to remind ourselves of our goals and objectives. If not for that fund, we would most likely have used credit cards to survive. But after January, this year has turned out to be one obstacle after another. Years ago, my husband and I sat down and created our life plan.

Emergency Fund 100

Emergency Fund Money Finance Debt 100

Prairie Eco-Thrifter

FEBRUARY 18, 2011

I also find that setting goals makes a difference. Beating Broke tells us how we can improve our credit score by adding positive information. We wrote down a list of our current expenses, our current goals, and where we are at. Financial Highway tells us how he paid off $50,000 of credit card debt. Watson Inc.

February 113

February Debt Finance Personal Finance 113

Family Balance Sheet

OCTOBER 26, 2013

The goal for this monthly accountability meeting is to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. In years past, we used a credit card to purchase our gifts and paid the card off in January. How did you do in October to reach your savings goal?

Christmas 100

Christmas Club Finds October 100

For the Mommas

NOVEMBER 19, 2015

5:30 pm EST: AmazonBasics 17-Sheet Cross-Cut Paper, CD, and Credit Card Shredder with Pullout Basket. 6:25 pm EST: Mylec Deluxe Hockey Goal Set. End Date: January 1, 2015. End Date: January 1, 2015. End Date: January 1, 2015. Prime Early Access Deal. Prime Early Access Deal. Prime Early Access Deal.

2015 40

2015 November December Amazon 40

Family Balance Sheet

AUGUST 11, 2014

The debt included overdraft protection, mattress, car, and a credit card (post divorce stress spending, clothes to accommodate the yo yo diets and weight for 2 years, a trip to Disney World & I’m sure several things that I don’t remember because I was spending without a plan). Who initiated the debt free goal?

Debt Free 235

Debt Free Debt Mom Goals 235