Family Balance Sheet

FEBRUARY 18, 2015

Today’s Debt Free Story is from Jen. Tell us about you and your family. My family and I are most known for paying off over $212,000 worth of debt and medical expenses in four years. How much debt did you pay off? What kind of debt was it? Over $212,000 worth of debt and medical expenses.

Debt 100

Debt Debt Free Finance Goals 100

Saving Cents With Sense

JANUARY 24, 2012

Then more than a year ago something in me changed after a health scare and I realized that it’s important to pay off debt and save more than ever. I’m currently taking care of my debt one month at a time. Over a year and a half ago I had to quit my job due a health scare.

Pay Off Debt 94

Pay Off Debt Debt Credit Cards Frugal Parenting 94

Family Balance Sheet

APRIL 11, 2020

Pre-coronavirus, we didn’t think twice about shaking a stranger’s hand, using the ATM keypad, or going to the grocery store without donning a hazmat suit. Every night my first prayer is that this virus starts to mitigate, the curve flattens to a manageable level for our health care system, and lives are saved.

Budgeting 246

Budgeting Budget Family Debt 246

Savings Corner

APRIL 4, 2024

Personal loans are becoming more popular among people looking to consolidate debt and find lower interest rates than credit cards. These include: Your income is used to determine how much you can borrow. Your debt-to-income ratio helps lenders determine how much debt you already have compared to your income.

Debt 52

Debt Bank Banking Credit 52

Prairie Eco-Thrifter

MAY 17, 2011

One of the more popular attributes of this type of lifestyle is the health benefits. Sure, driving a hybrid and cutting down energy consumption help to decrease pollution and help outdoor air quality, but there are also some great health benefits to making small changes around the house.

Health 167

Health Home Green Painting 167

Family Balance Sheet

JANUARY 11, 2019

I won’t rehash our entire health insurance story here, because I have written extensively about it and INCLUDED OUR NUMBERS, so to start from the beginning, read: Why We Left Traditional Health Insurance. Why We Chose Medi-Share, an affordable solution to traditional health insurance. The peace of mind is worth the cost. #

Financial Goals 100

Financial Goals Goals 2019 Health Insurance 100

Savings Corner

APRIL 4, 2024

Key takeaways A home equity loan allows you to borrow a lump sum against your home’s equity, usually at a fixed interest rate that’s lower than other forms of consumer debt. While high compared to their average of six percent in 2022, that’s significantly lower than other forms of consumer debt. What is a home equity loan?

Home 52

Home Debt Credit Cards Credit 52

Family Balance Sheet

JUNE 22, 2020

It was so big that I cried for two days straight– we paid off six figures in non-mortgage debts. How we got to six figures of non-mortgage debt: In the summer of 2012, we found an opportunity to purchase an office building for our small business. After the first year, the new business debt weighed on me.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Prairie Eco-Thrifter

AUGUST 17, 2017

High school grads today have seen parents using credit cards (or maybe even their cell phones) to charge everything from gas to groceries to online purchases. But that doesn’t mean you know how to stay out of credit trouble using it! With some drugs, even a one time use can cause permanent damage. Both damage your health.

College 133

College Graduation Used Points 133

Koupon Karen

JANUARY 15, 2024

Cash Flow And Debt Management: Such loans can also ensure smooth operations during cash flow challenges and consolidate high-interest debts, simplifying management and potentially saving money. Each loan type serves a unique purpose, and choosing the right one can significantly impact your business’s financial health.

Family 52

Family Finance Debt Monitors 52

Prairie Eco-Thrifter

MARCH 10, 2014

However, most of us need money to survive. Debt: Anxiety and Helplessness. One of the biggest money-related stressors out there is debt. When you are in debt — especially if it seems insurmountable — there is no end to the anxiety. How can you put it to good use so that it isn’t squandered?

Money 223

Money Debt Making Credit 223

Savings Corner

DECEMBER 24, 2023

Find your net worth by using our net worth calculator. To calculate your net worth, take inventory of what you own, as well as your outstanding debt. 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. Want us to do it for you?

Calculators 52

Calculators Taxes Debt Consumer 52

Savings Corner

DECEMBER 27, 2023

To qualify you, lenders look at factors including your credit score, credit report and debt-to-income ratio. 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. What are personal loan rates?

Debt 40

Debt Home Improvement Consumer Credit 40

The Frugal Girl

FEBRUARY 18, 2024

It’s important for my mental health to know we are doing what we can to protect our future selves. The first few years after graduating, I racked up a large credit card debt and bought a new SUV that cost approximately the same as my annual salary. I wait to find things that I love and then pretty much use them until they die.

Kids and Family 184

Kids and Family Home and Garden Money Frugal 184

Family Balance Sheet

OCTOBER 16, 2017

Back in October 2003, I left a corporate career as a department store buyer with a nice reliable paycheck and benefits– including health insurance –to join my husband in the land of self-employment. The spreadsheet listed our short-term and long-term account balances, our debts, and our short-term and long-term financial goals.

Family 100

Family Financial Goals Debt Calculators 100

Prairie Eco-Thrifter

JULY 11, 2013

Take a peak and see what I read this week: Good Reads From The Blogosphere: Jen from Money Rebound writes about Realistic Ways to Slash Your Student Loan Debt – Such a timely post considering the recent rate changes for federal student loans in the United States! Do you know how to protect yourself if debt collectors are harassing you?

Fridays 189

Fridays Debt Gas Mileage Financial Goals 189

Penny Pinchin' Mom

JANUARY 16, 2024

However, if you have been following me, you know that I am quite serious about finding ways to not only get out of debt but also how to create a budget (and stick to it) as well as how to save money without necessarily depriving your family of the quality of life they deserve. Find yours and use it to make extra cash.

Personal Finance 52

Personal Finance Finance Tips Finance Mom 52

Prairie Eco-Thrifter

JUNE 12, 2013

We all know that exercise is good for us. Regular exercise can do more for you than just help you enjoy better health and help you maintain your desired weight. Many people use exercises like yoga and tai chi to help them relax as well. It’s part of a healthy lifestyle. More Energy. Get Healthy'

Debt 228

Debt United States Activism Health 228

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.

Debt 274

Debt Wedding Money Financial Goals 274

Savings Corner

DECEMBER 25, 2023

Select members of other organizations may also be eligible, such as Public Health Service Officers or Officers of the National Oceanic & Atmospheric Administration. Average mortgage rates fluctuate daily and are influenced by the economy’s overall rate of growth, the inflation rate and the health of the job market.

Insurance 52

Insurance Debt Credit 2003 52

Prairie Eco-Thrifter

JUNE 4, 2012

Stay with me here – I’m very concerned about my child’s future, especially in these debt-ridden times of financial uncertainty. It should come as no surprise that I’m just as worried about my child’s financial health as I am about his physical and emotional health. If you have a fixed budget, this might be especially useful.

Life Insurance 187

Life Insurance Insurance Debt Money 187

Prairie Eco-Thrifter

JULY 31, 2014

Surviving a negative experience and enduring through or perhaps even overcoming it shows us that we are made of more than we ever dreamed, that we can do and be more than we thought. But how can you learn to use those negative experiences, and teach your children to do so as well to benefit your financial health? Free money!

Debt 167

Debt College Student Money 167

Savings Corner

DECEMBER 23, 2023

This cash value can be used for a variety of purposes, such as borrowing against the policy or using it to pay premiums. When you take a loan from your permanent insurance policy, the borrowing rates tend to be relatively low because you’re using the cash value as collateral. Why Switch to Permanent Life Insurance?

Life Insurance 52

Life Insurance Insurance College Tuition Fitness 52

Prairie Eco-Thrifter

APRIL 10, 2014

My therapist says it’s best for my mental health. I used to live in Weehawken, New Jersey, a twenty minute commute from midtown Manhattan. When you overspend for convenience, you sink into debt, stuck with high interest credit card payments and risk of damaging your credit when you fall behind on your bills. Get Organized'

Price 209

Price Rent Financial Goals Converse 209

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?

Personal Finance 240

Personal Finance Finance Family Debt 240

Savings Corner

DECEMBER 27, 2023

Use grad PLUS loans if you’ve maxed out your federal direct unsubsidized loans and still want to use federal loans to pay for graduate school. Stride Funding Income Share Agreement An income share agreement, or ISA, is not a student loan, but graduate students may be able to use one to finance their education.

Student 52

Student Graduation January College 52

Family Balance Sheet

MARCH 4, 2015

Today’s Debt Free Story is from Maureen. She writes at A Debt Free Stress Free Life. Tell us about you and your family. 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. Where are you from?

Debt 100

Debt Credit Cards Debt Free Student 100

Prairie Eco-Thrifter

MAY 27, 2012

Like I state on my About page , I was in debt and living a life that didn’t satisfy me. Statistics show that nearly one in two Americans are in serious financial problems due to their debt levels. Avoid using store cards; they usually have excessively high interest rates and this negates any savings you might make.

Emergency Fund 212

Emergency Fund Credit Cards Budgeting Budget 212

Prairie Eco-Thrifter

OCTOBER 21, 2012

Editors Picks: Big Cajun Man from THE Canadian Personal Finance Site shares 10 Phrases I have Used to Save Money. Really, we should all carry a cue card in a our wallet that we can just whip out and use anytime we have an opportunity to save money. People there only have what they use and need and you know what…they are happy!!

Personal Finance 219

Personal Finance Finance Debt Money 219

Prairie Eco-Thrifter

APRIL 8, 2012

Lack of sleep can have far-reaching health implications as well as being annoying and leaving you tired for the next day. For optimum health and wellness we need to have 20 to 30 minutes of moderate activity on most days of the week. Related posts: Get Out of Debt…Sleep Debt That Is. Something had to be done.

Food and Drink 202

Food and Drink Debt Work Meals 202

Prairie Eco-Thrifter

MAY 26, 2016

But, with each of the above, you lose the use of that money and often have little chance of even getting it back, let alone making it grow. We could take on debt to grow using other people’s money. Using a student loan to get educated or re-educated in a new (presumably higher paying) field could also be a sure thing.

Money 124

Money Saving Money Lowes Grandchildren 124

Prairie Eco-Thrifter

JULY 13, 2015

To become self-sufficient, you not only need to learn the basics (like brushing your teeth and washing your hands), but you also need to pay attention in school, be aware of your environment, take care of your health (and stay away from drugs!) I hope to show you how to use debt wisely. How to manage life activities.

Personal Finance 100

Personal Finance Finance Debt Money 100

For the Mommas

JANUARY 19, 2016

Get Rid of Debt. If you are one of the many people who have a little or a lot of debt accumulated through credit cards or other ways, use this opportunity to pay some of it back. Paying off your debt now will lighten your load in the future and reduce money paid by you in the long term due to reduced interest on your loans.

Taxes 40

Taxes Emergency Fund Debt Money 40

Prairie Eco-Thrifter

MAY 1, 2012

Plan to do what rich people do (whatever it takes to get their dreams); to think like rich people think (ie: think bigger); to talk like rich people talk (ie: positively); to use money the way rich people use their money (ie: they make their money work for them). Look for small ways you can change the way you use your money.

Money 211

Money Debt Debt Free Cooking At Home 211

Saving In Akron

MARCH 9, 2011

I did not go into debt for this vehicle. Lack of debt means freedom and the ability to make the choices you want to make. My husband spent 8 months of those two years unemployed and looking for a job because we could no longer afford our health insurance. And just to let you all know, I practice what I preach here on my blog.

Emergency Fund 100

Emergency Fund Daughter Cars Car 100

Family Balance Sheet

JANUARY 17, 2018

I won’t rehash our health insurance story here, because I have written extensively about it and INCLUDED OUR NUMBERS. We blew through our health savings account, and now need to save another $10k so we’re not caught off guard if another emergency were to happen. This will take us most of the year.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

Prairie Eco-Thrifter

FEBRUARY 11, 2011

Morse Code kiss : Using a Morse code chart, use long and short kisses to spell out a message to your loved one and try to have them decipher it. Play Dirty Word Scrabble : Play Scrabble with your partner using dirty words or innuendos that will act out later that night. We used Ufile last year and will use it again this year.

February 113

February Finance Personal Finance Money 113