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. Debts still need to be paid, cars will need new parts, homes will need to be repaired, and kids will need braces.

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Family Debt Finance Kids and Family 241

Prairie Eco-Thrifter

SEPTEMBER 16, 2013

Lots of people will say that there’s no real formula for personal finance, because it’s personal. Too much of any of these following behaviours will kill anybody’s finances, and, not only that but may lead to poor behaviours in other areas as well. Of course consumerism is a deadly sin of finance. Consumerism.

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Personal Finance Finance Consumerism Debt 222

Family Balance Sheet

JANUARY 21, 2015

Today’s debt free story is from Aja. She writes about family, finances and faith at her blog, Principles of Increase. How much debt did you pay off? What kind of debt was it? We paid off about $110K worth of debt. What inspired you to get debt free? Tell us about you and your family. The budget is key.

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Debt Debt Free Las Vegas Finance 100

Family Balance Sheet

FEBRUARY 23, 2016

Are you ready to crush debt this year? We’re going to give it everything we’ve got and hopefully pay off the last of our non-mortgage debt by the end of this year. It will be quite a feat because by my calculations we’ll be short each month if we just apply our debt snowball payment. Stretch yourself.

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Debt Goals 2016 Calculators 100

Prairie Eco-Thrifter

JANUARY 8, 2013

Personal debt has unfortunately become a way of life in the 21 st century with levels reaching all time highs. A recent survey in the US showed that increasing numbers of people are filing for bankruptcy as their debts reach levels they simply cannot service. Managing your debt is vital if you are to avoid going down this road.

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Debt Win Credit Cards Money 271

Family Balance Sheet

SEPTEMBER 20, 2016

Meet Kristy, aka, The Former Mrs. Jones. The segment was so inspiring that I reached out to her to see if she would participate in the Debt Free Stories series. She hosts a You Tube channel, The Former Mrs. Jones , where she vlogs about budgeting, debt free living, and family life. How much debt did you pay off?

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Debt Debt Free Bath and Body Works Gas 100

Family Balance Sheet

JULY 22, 2015

Today’s Debt Free Story is from Deacon. I have a passion to help people take control of their finances so that they can live the life they want to have. How much debt did you pay off? What kind of debt was it? We paid off $52,000 in consumer debt. What inspired you to get debt free? Where are you from?

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Debt Debt Free Finance Finds 100

Family Balance Sheet

AUGUST 5, 2015

Today’s Debt Free Story is from Jessica. How much debt did you pay off? What kind of debt was it? 130K in mortgage debt. 10K in car payments, $35K in credit card debt. We made the decision to tackle our debt back at our home church in Chattanooga. What inspired you to get debt free?

Debt 100

Debt Debt Free Finds Finance 100

Family Balance Sheet

SEPTEMBER 29, 2016

Meet Angela. I watched her and her husband’s debt free scream on The Dave Ramsey Show. You can find Angela at her You Tube channel, Our Life…on a Budget , where she vlogs about getting out of debt and staying there! Angela & Jeff’s Debt Free Story. How much debt did you pay off? worth of debt.

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Debt Debt Free Budgeting Budget 100

Prairie Eco-Thrifter

APRIL 25, 2011

Guest Post Author Bio: This guest post was written by Frank Collins, a professional writer specialized in topics related to personal finance, debt relief, credit repair and more. If you are willing to settle your debts on your own, pass through the debt settlement blog for more tips and advice on the topic.

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Debt Debt Free DIY Personal Finance 124

Family Balance Sheet

JULY 13, 2016

So I’m thrilled to bring you today’s story, because I actually watched this couple’s debt free scream when it was live on the show. Drew & Farrah’s Debt Free Story. How much debt did you pay off? What kind of debt was it? What inspired you to get debt free? Where are you from?

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Debt Debt Free Finds Home 100

Family Balance Sheet

JANUARY 10, 2012

I created our Family Balance Sheet years ago as a way for me to communicate the state of our finances to my husband. Column E = Monthly debt payment. Column H = Interest rate or finance charge. How much do we want to reduce debt by? Did you make a 2012 goal to meet regularly with your spouse to discuss finances?

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Finance Financial Goals Goals C&H 138

Savings Corner

DECEMBER 24, 2023

In short, if it involves finances, then there’s a way to plan for it and optimize the outcome. A financial plan can help you direct how you organize your finances, from the small, short-term questions to the big, long-term issues. Debt reduction – How much do you need to pay down and how can you do it? What is a financial plan?

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Goals Debt Taxes Insurance 52

Family Balance Sheet

FEBRUARY 19, 2022

In highly affluent circles, a family office is a private wealth management firm that manages the finances and investments for the ultra-wealthy and their families. While I was still helping my husband from home with his business, I felt like I wasn’t contributing to our finances and that drove me crazy. Implement our Debt Freedom Plan.

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Office Family Finance Kids and Family 130

Savings Corner

APRIL 4, 2024

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. To find out whether your business can afford a loan, many lenders will use something called a debt service coverage ratio (DSCR).

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Bank Banking Credit Finance 40

Prairie Eco-Thrifter

MAY 16, 2012

I started this site as a way of meeting some new people and having some interesting conversations and it has transformed into something much more than that. The most enjoyable part of this whole thing though has been meeting all of you. The site has grown and changed so much and I owe it all to you, my readers.

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Prizes Personal Finance Finance Giveaway 274

Savings Corner

DECEMBER 24, 2023

To calculate your net worth, take inventory of what you own, as well as your outstanding debt. That includes revolving consumer debts — such as credit card balances — as well as personal, auto, payday and title loan balances. Or, you can think of net worth as everything you own less all that you owe. What is my net worth?

Calculators 52

Calculators Taxes Debt Consumer 52

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. Home equity lines of credit (HELOCs) and home equity loans are two similar finance tools — methods of borrowing money against the ownership stake you have in your home. Home equity loan: What is it?

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Home Work Debt Credit 52

Savings Corner

APRIL 4, 2024

You can use this money for any purpose, including home remodeling , consolidating higher-interest debt , college tuition and other financial needs. Cash-out refinances are generally best for big-ticket costs: Think home renovations or major debt consolidation. The difference between the two is given to you in a lump-sum payment.

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Refinancing Work Debt Home Improvement 52

Prairie Eco-Thrifter

JULY 18, 2013

Last night I had to work until 8 pm and then after that had to go and meet my hubby at the grocery store to pick up our stuff for the next couple weeks. When it comes to managing your money, sometimes it has to be First Values and Goals, Then Strategies , as Emily from Evolving Personal Finance highlights.

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Debt Fridays Personal Finance Goals 199

Family Balance Sheet

FEBRUARY 4, 2015

Today’s Debt Free Story is from Shannon. How much debt did you pay off? What kind of debt was it? As many students do these days, we had tens of thousands of dollars of debt by the time we graduated with our Masters degrees. At the point when we finally got serious about paying off our debt we had $22,047 left.

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Debt Free Debt Financial Goals Budgeting 100

Prairie Eco-Thrifter

JANUARY 10, 2013

If you’re currently balancing your debt payoff and savings efforts, Canadian Budget Binder highlights the reason why it’s important to get out of debt first before saving. Are you a current student or someone who’s currently paying off student loan debt? Figuring out a budget and how to meet those goals?

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Emergency Fund Debt Student Fridays 193

The Frugal Girl

MARCH 4, 2024

I’m Mary, and it’s a pleasure to participate in Kristen’s Meet a Reader series. Although my parents never specifically taught me about finances, they lived a frugal life by necessity. I learned from the best, but I believe that a personal finance course should be a requirement for both high school and college graduation.

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Green And Frugal Kids and Family Hotel Frugal 180

The Frugal Girl

NOVEMBER 13, 2023

Today, we’re meeting a reader who has managed to live for 2.5 I don’t want to feel like I’m wasting all the gifts I’ve been given, including my finances. I was in 4th grade, and had 2 younger siblings when they began their debt-repayment journey. years with no car (and two small kids!). I have two!

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Kids and Family Parenting Cars Car 192

Family Balance Sheet

JANUARY 20, 2017

Meet Krystal. She is the co-founder of the website, Little Light on a Hill , where she writes about faith, family, and finances. I love her passion for helping others along their debt free journey. Be sure to check out her website where she is offering a free finance workbook if you subscribe to her newsletter.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Family Balance Sheet

FEBRUARY 20, 2013

Dave Ramsey is a financial coach, best-selling author, and speaker whose message of “cash is king and debt is dumb” is unrelenting. The book is designed to help you design a plan for paying off your debts and saving for a secure future. It is also full of the inspiring testimonies of ordinary people who have become debt-free.

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Money Podcasts Debt Finance 147

Family Balance Sheet

MARCH 6, 2012

I'm participating in Women’s Money Week which is about encouraging women to speak up about money, take control of our finances, and reshape our financial future. It could be from the stress of unemployment, a large debt load, or the amount of shoes in someone's closet; money can be an evil force in a marriage. In my house, it's me.

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Money Financial Goals Goals Kids and Family 225

Family Balance Sheet

DECEMBER 10, 2014

Today’s Debt Free Story is from Carrie. How much debt did you pay off? What kind of debt was it? After my first marriage fell apart, I ended up with over $14,000 of consumer debt, made up of a car loan and credit cards. What inspired you to get debt free? Tell us about you and your family. Where are you from?

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Debt Debt Free Financial Goals Goals 227

Prairie Eco-Thrifter

JANUARY 15, 2013

They have enough money to qualify for the debt required to meet their ideas of how their lives should look. I’m going to write that again: They have enough money to qualify for the debt required to meet their ideas of how their lives should look. Their so-called wealth is actually debt.

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Debt Wedding Money Financial Goals 274

The Frugal Girl

FEBRUARY 5, 2024

Today we are meeting a reader from my neck of the woods over here in the Mid-Atlantic. ? It has been amazing for our finances and my mental health. The weight of debt can be so heavy mentally in addition to the direct effects of it. The post Meet a Reader | AF in Virginia appeared first on The Frugal Girl.

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Virginia Kids and Family Library Frugal 185

Prairie Eco-Thrifter

DECEMBER 30, 2013

As you might expect, especially among personal finance bloggers, financial resolutions are pretty popular. What if you are ready to take your finances to the next level? Once you know what you want your money to do for you, it’s a little easier to create a plan that can meet your objectives. Money Tips'

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Financial Goals Goals Finance Money 186

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. That was me, at any rate.

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Emergency Fund Credit Cards Personal Finance Finance 272

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. I interviewed several personal finance bloggers that have conquered their past financial goals and continue to challenge themselves going forward.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Prairie Eco-Thrifter

MARCH 29, 2011

Many car shoppers would be better served by buying a practical fuel efficient automobile that meets their needs and the needs of their families. Many home owners bought way too much house than their finances could afford. A basic attractive looking home that meets the needs of the home buyer is more than enough. Buying a house.

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Furnishings Debt Cars Car 157

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

Prairie Eco-Thrifter

SEPTEMBER 26, 2013

I will be spending my weekend working at an out of town business meeting. If you’re in the market for a new car, make sure to read Grayson’s post where he wonders, Should You Pay Cash or Finance Your Next Vehicle? at Debt Roundup. The good news is I am back to doing Friday links. What about you all? Any great plans?

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Fridays Budgeting Budget New Cars 187

Savings Corner

DECEMBER 25, 2023

Lenders will look at your debt-to-income ratio, or DTI. Financing your vehicle may not always be the best choice, especially if you stand to spend more than the recommended amount of your income each month toward a loan. For some buyers, financing a vehicle may make sense when balanced as a part of their larger financial picture.

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Cars Car Insurance Calculators 52