Penny Pinchin' Mom

DECEMBER 17, 2023

The post The Age Old Question: Should You Pay Off Debt or Save? Should you pay off debt or save? So, you want to get started on debt repayment so you can focus on other financial goals? However, if you pay off these debts, there will be nothing left for investments in these tough financial times.

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Savings Corner

DECEMBER 27, 2023

The worst-case scenario is that you get a loan without a clear picture of its impact on your monthly cash flow, leading you to take on more debt to make up for it. Consolidation puts all of your debts together under one monthly payment at one interest rate. It doesn’t hurt to be prudent,” Young says. “If

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Family Balance Sheet

OCTOBER 15, 2021

Instead, it is my honest review. Way back in 2008 I signed up for a Upromise account and then it sat unused for many years. I don’t recall why I never used the account, but I guess it just slipped my mind. Right before the pandemic started, I opened 529 College Savings Accounts for our daughters. Hello, 2020.

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Savings Corner

DECEMBER 27, 2023

To qualify you, lenders look at factors including your credit score, credit report and debt-to-income ratio. Having steady income, low debt, a long credit history and a record of on-time payments will improve your chances of being approved. Using a car, savings account or other asset as collateral may get you a lower rate.

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Family Balance Sheet

FEBRUARY 19, 2022

Today at age 50+, I still optimize our cash flow, but my focus is shifting towards saving with our daughters’ future education costs, building our net worth, and planning for our retirement years. Over the years, my FOM duties included: Review the day-to-day/month-to-month budget and spending for our household.

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Savings Corner

DECEMBER 24, 2023

The article was reviewed, fact-checked and edited by our editorial staff. Key takeaways A personal loan is money you can borrow to finance large purchases, consolidate debt, invest in yourself or cover emergency expenses. Once you receive the cash, you must make recurring, monthly payments until the debt has been fully repaid.

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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. Debt load – 30%. This portion of your score reflects how much debt you carry. If you prefer to pay cash and avoid revolving debt, that’s great.

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