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. Consolidation puts all of your debts together under one monthly payment at one interest rate.

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Prairie Eco-Thrifter

MAY 26, 2016

Because we only have a week to show results, and because savings account interest rates have been near zero each year since camps started, I have routinely given the jar 50% interest. Trepidation about having the grand-kids open a savings account. Both are now old enough to open a bank savings account.

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Savings Corner

DECEMBER 27, 2023

Lenders primarily use your financial and credit information to determine your rate, but may consider additional information like whether you own your home, your education level and your employer. Borrowers with good to excellent credit scores (690 and higher) typically get the lowest interest rates and can borrow larger amounts.

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Savings Corner

DECEMBER 24, 2023

And when we say own, we include assets that you may still be paying for, such as a car or a house. 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. All of your retirement accounts are included as assets in your net worth calculation.

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Savings Corner

DECEMBER 24, 2023

Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction for setting up direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A. Your APR may be as low as 10.49% or as high as 19.49% for the term of your loan. Credit cards issued by Citibank, N.A.

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Prairie Eco-Thrifter

NOVEMBER 25, 2012

If you want to get your cash back, you need to sell your shares; the price of your company’s stock may have gone up and so you will make a profit. Conversely, the price may have dropped and you can only sell them for less than you paid for them. A dollar saved, as they say, is a dollar earned. Save or invest?

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Prairie Eco-Thrifter

FEBRUARY 3, 2016

No, we won’t put that on the credit card and pay for it later. And they will see that you put money aside in savings. Encourage them to save at least part of their earnings and make deposits to their savings account. Credit cards require maturity. Of course we misused those cards!

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Couponing 101

DECEMBER 4, 2019

If you keep your money in a high-yield savings account, you might be able to get around 2% interest. While the stock market may be one of the best ways to grow your money, it can also be super intimidating. To play it safe, you may want to avoid investing more than you can afford to lose. Betterment. Betterment has a.25%

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Family Balance Sheet

SEPTEMBER 25, 2019

In April, we received a small tax refund and I put $100 of our refund into our Christmas Savings account. In May, I made money from a yard sale and put $50 towards our Christmas savings. I also earned $20 from Ibotta and $7 from Ebates, and found $23 within our May budget. There is some time to get creative.

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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. Kimberly Foss, CFP, CPWA.

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Family Balance Sheet

OCTOBER 25, 2019

In April, we received a small tax refund and I put $100 of our refund into our Christmas Savings account. In May, I made money from a yard sale and put $50 towards our Christmas savings. I also earned $20 from Ibotta and $7 from Ebates, and found $23 within our May budget. There is some time to get creative.

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For the Mommas

NOVEMBER 30, 2016

Maybe even use to start up a 2017 holiday savings account. Or pay off the credit cards you may have used over the holidays. List them in the comments and we may add them to this list. Last year, I accumulated over $400 cash back from my holiday shopping. Do you use any other cash back sites?

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Prairie Eco-Thrifter

JANUARY 30, 2017

Yet newlyweds as well as long time married folks may not even be aware of some of the money tricks they or their spouse could be using. I personally have indulged in a bit of this and believe that my spouse may well have (subconsciously) as well. In fact, the non-working spouse may have an inclination to yield to this as well.

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Prairie Eco-Thrifter

MAY 29, 2013

For those who prefer to pay with cash and avoid the credit card debt cycle altogether, building a solid credit history and high FICO score can be a challenge – but it doesn’t have to be. Only a small portion of your FICO score is based on having and using revolving credit. Where Credit Scores Come From. Your Score.

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For the Mommas

JULY 27, 2016

Set up a high-interest savings account and be methodical about regularly contributing. Learning to make sacrifices early on and creating long-term saving habits can make a big difference on how long you are able to stay home with your new baby. Use this time to put money aside every payday while you’re still earning an income.

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For the Mommas

OCTOBER 13, 2016

Maybe even use to start up a 2017 holiday savings account. Or pay off the credit cards you may have used over the holidays. List them in the comments and we may add them to this list. Last year, I accumulated over $400 cash back from my holiday shopping. Do you use any other cash back sites?

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Holiday Shopping Credit Cards 2017 40

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. Credit card with an adequate limit. Financial Emergency Preparedness.

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Prairie Eco-Thrifter

MARCH 4, 2015

Use of leverage (aka debt) by a person earning $200,000 (Obama’s definition of rich), but with a small net worth may be less likely than the use of leverage by a person who has the net worth to cover the amount of debt incurred. While it may be tempting to borrow ‘just a bit more than I need’, don’t do it.

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For the Mommas

MAY 22, 2012

Rather than finding yourself in a position where you’re relying on credit cards for these expenses – and then wasting your hard-earned money on paying off those cards in the following months – try creating separate sinking funds instead. Bank Your Savings. Another option is to simply bank your savings.

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Prairie Eco-Thrifter

APRIL 6, 2012

Teacher Man presents Why Credit Cards Are Dangerous For Students posted at My University Money , saying, “I am on the record as having said that I believe students should sign up for credit cards. Theres a reason why the average amount of credit card debt per household is $15,956. Real Estate.

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Money Finance Personal Finance Real Estate 133

Penny Pinchin' Mom

FEBRUARY 16, 2024

Do you have a retirement plan or a healthy savings account? Besides, paying off your debt and keeping it at a healthy minimum will help your credit score rating. You will save a great deal on important and immediate items as well as important but not immediate items. This is something every parent needs to think about.

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Prairie Eco-Thrifter

SEPTEMBER 25, 2014

I’ve gotten into the habit of logging on to my bank account and credit card accounts when I first wake up and open the computer. Knowing what your balances are (ie, how much you have in your account or owe on your credit card) is key to intuitively knowing when you may need to be a bit more frugal.

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Prairie Eco-Thrifter

JUNE 18, 2021

Depending on how organized you are with your money, you may already have an accurate depiction of your budget. Look at the last six months of your credit card statements along with your bank statements to review what cuts to make to reduce expenses. Look at your current savings as well. Life is unexpected.

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Prairie Eco-Thrifter

MAY 30, 2011

While this philosophy may not be the best boost for my social life, it is a great boost for my savings account! I don’t allow myself to have credit card debt, so I have to have the cash to back up all my purchases. It becomes a special treat instead of an ordinary occurrence. Going out is expensive. Think again!

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