Savings Corner

FEBRUARY 2, 2024

FULL LIST OF EDITORIAL PICKS: BEST COLLEGE STUDENT CREDIT CARDS Before applying, confirm details on the issuer’s website. Discover it® Student Chrome Our pick for: Simplicity and value Simplicity makes the Discover it® Student Chrome a standout for students searching for their first credit card. Read our review. Read our review.

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Credit Cards Student Credit College 52

Family Balance Sheet

JANUARY 29, 2015

Why are we jumping through these hoops to be debt free? WHY do we want to be debt free? When we wrote our Debt Freedom Plan , I posted it on the refrigerator as a daily reminder for the two of us. Daddy and I needed to pay off some debts before we could make a trip to Disney. ”, “What does debt freedom mean?”

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Debt Debt Free Daughter Thrifty 100

Family Balance Sheet

MAY 4, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. Credit Card Cash Back Redemptions in April: $439.62. Years ago during our Debt Freedom Plan, I avoided using credit cards, not because we had credit card debt, but I was trying to limit our overall spending.

April 130

April Money Credit Cards Donation 130

Family Balance Sheet

AUGUST 21, 2020

Debts still need to be paid, cars will need new parts, homes will need to be repaired, and kids will need braces. My husband’s brain likes to see everything written down on one page, so I developed that first spreadsheet to list all of our accounts and all of our debts. How do your assets stack up against your liabilities/debts?

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Family Debt Finance Kids and Family 241

Prairie Eco-Thrifter

APRIL 13, 2011

Guest Post Author Bio: The following post comes from the NerdWallet.com team, experts in helping users find the right rewards credit cards. 4 of the Craziest Credit Card Scams. Then to top it all off, there are credit card scammers out there that are looking to get your personal information.

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Credit Cards Credit Debt Identity Theft 145

Family Balance Sheet

AUGUST 6, 2022

If you’d like information on donating plasma, read my review of donating plasma HERE. . Credit Card Cash Back Redemptions in July: $196. Years ago during our Debt Freedom Plan, I avoided using credit cards, not because we had credit card debt, but because I was trying to limit our overall spending.

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July Frugal Credit Cards Donation 130

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. How does your debt-to-income ratio impact affordability? How much house can I afford with a VA loan?

Calculators 52

Calculators Debt Taxes Insurance 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. You will also start to repay the money.

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Debt Credit Cards Credit College Tuition 52

Savings Corner

DECEMBER 27, 2023

You can get a personal loan from a bank, credit union or online lender.Personal loan amounts are from $1,000 to $100,000, and they’re typically repaid over a term of two to seven years. To qualify you, lenders look at factors including your credit score, credit report and debt-to-income ratio. 1, 2023, through Nov.

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Debt Home Improvement Consumer Credit 40

Prairie Eco-Thrifter

DECEMBER 7, 2014

(Photo credit: Wikipedia). Around since just before the financial crash, peer lending got the same black-eye as all credit when the bubble burst on sub-prime loans. A borrower fills out an application for an unsecured personal loan of up to $35,000 on one of the online lending sites which verify employment and other information.

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Debt Personal Finance Finance Credit 188

Family Balance Sheet

MARCH 5, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. I had an unexpected surprise hit my credit card in February. This trip was a reward for our years of paying off six figures of debt , and we were going to pack a lot into our week. My total of found money in February: $3433.68.

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February Money Airline Flights 257

Savings Corner

DECEMBER 25, 2023

You apply for a private student loan through a bank, credit union or online lender. Compare offers from multiple lenders including banks, credit unions, online companies and state-based lenders to find the lowest interest rate. Credit score and income are taken into account for most student loans.

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Student College Credit Debt 52

Family Balance Sheet

APRIL 2, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. If you’d like information on donating plasma, read my review of donating plasma HERE. Credit Card Cash Back: $175. I redeemed $175 for gift cards from our business credit card’s cashback program.

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March Money Donation Credit Cards 130

Savings Corner

DECEMBER 24, 2023

Traditional banks, credit unions, online-only lenders and peer-to-peer lenders offer personal loans. If your credit is not great or you are trying to establish credit, it might be easier to qualify for a loan at a credit union, but there are online lenders that work with borrowers with less-than-stellar credit.

Calculators 40

Calculators Home Improvement Credit Debt 40

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. It represents the total debt against the home: both the original mortgage and the size of the new home equity loan or line of credit.

Calculators 52

Calculators Home Debt Fair-Trade 52

Prairie Eco-Thrifter

JULY 9, 2013

Another thing that, according to the National Foundation for Credit Counseling (NFCC), happens in childhood that affects our adult finances is that we learn from the financial behavior of our parents. They didn’t use credit (I’m not even sure they ever had a mortgage!) until late in life and then only credit cards.

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Used Parenting Credit Cards Debt 228

Family Balance Sheet

DECEMBER 28, 2016

You will learn valuable information from leading personal finance bloggers on topics ranging from budgeting basics, dumping debt, boosting your income, and investing in YOUR future. Toni Husbands of Debt Free Divas. Monday, January 9: 12pm EST: Tips for Tackling Credit Card Debt with LaTisha Styles.

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New Year's Debt Personal Finance Real Estate 100

Savings Corner

APRIL 4, 2024

Lenders set their own qualifications for business loans, including time in business, personal and business credit score, annual revenue and collateral. You’ll also need to make sure that you meet the lender’s requirements for credit score, time in business and cash flow, ensuring that your business can easily handle loan repayments.

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Bank Banking Credit Finance 40

Savings Corner

DECEMBER 27, 2023

Borrowers with strong credit and income are more likely to qualify for large loan amounts. Your personal loan interest rate is based primarily on your credit profile and financial information. Good-credit borrowers with low debt-to-income ratios often get the lowest rates. Enter your interest rate.

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Calculators Credit Debt Nov 40

Savings Corner

APRIL 4, 2024

Just like any other loan, you apply for refinancing, which includes a thorough check of your credit, income, employment history and finances. The money you tap from your home’s equity can be used to consolidate higher-interest debt or to improve your home. Ideally, you’ll also get a lower rate in the process.

Calculators 40

Calculators Refinancing Insurance Homeowner Insurance 40

For the Mommas

JANUARY 20, 2016

Credit Card Rules You Should Live By. Ah, the credit card. Instantly you learned why your parents warned you about credit cards. Instantly you learned why your parents warned you about credit cards. Now that you’re older, even if you have a steady income there are still some credit card rules to live by.

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Credit Cards Credit Debt Equal 40

Savings Corner

DECEMBER 24, 2023

The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-6%, which will be deducted from any loan proceeds you receive. The lowest rate quoted assumes excellent credit, and a loan term of 36 months or shorter. Credit cards issued by Citibank, N.A. Rates as of 10-06-2023.

December 52

December CitiBank Puerto Rico Ranges 52

Prairie Eco-Thrifter

NOVEMBER 2, 2011

The global economic downturn and credit crunch has placed a large number of people under great financial pressure. Without clear knowledge of your finances you will not be able to make an informed decision regarding whether taking out a loan is necessary and sensible. 5 Ways to Reduce Your Debt.

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Debt Economical Refinancing Money 183

Savings Corner

DECEMBER 27, 2023

Bad credit loans: A guide to getting a personal loan with bad credit Upgrade: Best overall bad credit loans Why it made the list: Upgrade has a low minimum credit score requirement and low starting rates — a somewhat rare combination. Direct payment to creditors with debt consolidation loans.

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Credit January Debt Credit Cards 52

Savings Corner

DECEMBER 27, 2023

Personal loans from our partners Debt Consolidation Big Purchase Emergency Home Improvement Medical 5.0 Check your credit score First check your credit score to assess your financial picture. A high credit score gives you a better chance of qualifying for a personal loan and getting a lower interest rate.

Credit 52

Credit Bank Banking Calculators 52

Family Balance Sheet

FEBRUARY 2, 2017

They pay off mountains of debt and scream about debt freedom, or maybe they save gobs of money in a record amount of time, or they have considerable success with their new small business. Fortunately, they willingly shared their advice from their success and I am passing that information on to you, so we can ALL succeed this year.

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Financial Goals Goals Debt Budgeting 100

Savings Corner

DECEMBER 25, 2023

In the “Refine results” section, enter a few details, and in moments you’ll get a rate quote tailored to meet your needs, without having to provide any personal information. Service members or veterans who have completed 90 days of active-duty service or six creditable years in the Selected Reserve or National Guard. It’s that easy.

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Insurance Debt Credit 2003 52

Family Balance Sheet

DECEMBER 29, 2020

For more information about the spreadsheets and details on how to order, visit: Family Budget Spreadsheets. 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.

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Budgeting Budget Family Property Taxes 130

Family Balance Sheet

OCTOBER 16, 2017

The spreadsheet listed our short-term and long-term account balances, our debts, and our short-term and long-term financial goals. Our balance sheet is starting to reflect all of the hard work we have done over the last 5 years to reduce out non-mortgage and business debts, so I added a few calculations that were missing in the past.

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Family Financial Goals Debt Calculators 100

Prairie Eco-Thrifter

JULY 4, 2011

Philip from Deliver Away Debt shares his story: How I Delivered Away My Debt. mbhunter from Mighty Bargain Hunter asks Are you contributing to this debt clock? 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.&#. How about you?

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Personal Finance Finance Family Debt 240

Savings Corner

DECEMBER 24, 2023

A credit freeze keeps the sensitive data in your credit files from being accessed without your specific consent. That can protect you from fraudulent credit applications, even if a criminal has key information such as your birthdate and Social Security number. What is a credit freeze? Tax Filing Webinar — Jan.

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Credit Monitors Insurance Taxes 52

Family Balance Sheet

OCTOBER 23, 2011

The website strives to educate individuals in making wise choices about credit and debt, investing, education, real estate, insurance, spending, and more." The site is a wealth of information and I encourage you to go check it out. Their "mission is to develop a community of people who try to make financially sound decisions.

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Menu Planning Menu Plans Breakfast Real Estate 127

Savings Corner

APRIL 4, 2024

Learn the approval requirements and prequalify (if offered by the lender) before applying to minimize your potential credit damage. The steps may vary depending on whether you’re looking for debt consolidation loans , home improvement loans, medical loans or wedding loans. Some lenders may also consider your work history or education.

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Debt Credit Cards Credit Home Improvement 52

Family Balance Sheet

NOVEMBER 22, 2011

The website strives to educate individuals in making wise choices about credit and debt, investing, education, real estate, insurance, spending, and more." The site is a wealth of information and I encourage you to go check it out. Their "mission is to develop a community of people who try to make financially sound decisions.

Entertainment 100

Entertainment Crafts Craft Real Estate 100

Prairie Eco-Thrifter

FEBRUARY 21, 2012

The proceedings of Chapter 11 will require a reorganization plan wherein the company can work out its structure so as to be able to pay off its debts and therefore stay in business. Bondholders come next because a company’s debt is expressed in the form of bonds. How Can I Stay Informed?

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Debt Money New York Giving 185

Family Balance Sheet

MARCH 4, 2015

Today’s Debt Free Story is from Maureen. She writes at A Debt Free Stress Free Life. Besides writing on my personal finance blog, A Debt Free Stress Free Life, I’m an adjunct professor at a local college and own a residential and commercial cleaning business. How much debt did you pay off? What kind of debt was it?

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Debt Credit Cards Debt Free Student 100

Prairie Eco-Thrifter

MAY 10, 2012

’ Financial Planning Ashley presents Should I Get Married with Debt? For typical individual investors, without special access to information, it offers what is likely the best financial advice they will ever get: It is hard to consistently beat the market, especially after fees. Norton and now in its ninth edition.

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Money May 2012 Debt 113