Savings Corner

APRIL 4, 2024

Before you can explore how to use this source of wealth, though, you need to know how much you have. This figure, along with your loan-to-value (LTV) ratio, determines the likelihood of being approved for a home equity loan or home equity line of credit (HELOC), and how much money you could be eligible for.

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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.

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Prairie Eco-Thrifter

SEPTEMBER 13, 2011

Living your dream life debt free requires a simply task of going back to Grade 1 math lessons and applying the concepts. Recall how your teacher taught you how to add and subtract. Now hold that thought and think about this: living your dream life debt free. . Basically, living your dream life debt free is simple.

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Savings Corner

APRIL 4, 2024

The steps may vary depending on whether you’re looking for debt consolidation loans , home improvement loans, medical loans or wedding loans. How to get a loan in 8 steps Consumers often choose personal loans because they provide fast access to cash for a variety of needs. Some lenders may also consider your work history or education.

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Motherhood Moments

JANUARY 18, 2023

Nobody knows for sure whether we’ll see a recession or not,” said Amy Maliga, financial educator with Take Charge America, a nonprofit credit counseling and debt management agency. Prepare by paying off debt. Hatch a plan to tackle your debt, particularly high-interest balances, to help you free up more cash.

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Prairie Eco-Thrifter

JUNE 26, 2017

Household debt is at an all-time high. In the current economic climate, household debt has been steadily rising, with no signs of stopping. Statistics Canada has a lot of great detailed information on the current state of household debt in our country, but it can all seem like a lot to take in.

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Family Balance Sheet

OCTOBER 18, 2019

Our Debt Freedom Plan has been a long winding road. The journey started in 2012 when we bought an office building for our business and then found ourselves with a lot of debt and not enough cash flow. To ease my anxiety about our new loans, we took the Financial Peace University home course and it changed how we thought about debt.

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Family Balance Sheet

MAY 6, 2020

We’ve had several instances over the years that have shaped how we viewed and managed our money. How Our Debt Freedom Plan Prepared Us for the Pandemic. We’d survived the dip in 2007, carried no credit card debt, and we were contributing to our retirement. This new business debt weighed on me.

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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.

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Family Balance Sheet

MARCH 26, 2021

Both books provided the blueprint for Our Debt Freedom Plan. Later in his plan, he recommends saving 3-6 months of expenses, but only after paying off the non-mortgage debt. Only you can determine how much you need in a starter emergency fund. The post How to Build your Emergency Fund appeared first on Family Balance Sheet.

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Penny Pinchin' Mom

FEBRUARY 16, 2024

The post Best Way to Consolidate Debt Without Hurting Credit – Smart Money Moves For Moms appeared first on Penny Pinchin' Mom. Without proper management, debt can quite literally bury you alive. The best way to consolidate debt without hurting credit is also the best way to get out of debt.

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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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freestuff.tv

MARCH 24, 2013

Jump onto Amazon and get How To Get Out Of Debt – A Biblical Approach To Living Debt-Free on Kindle for FREE!

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Family Balance Sheet

NOVEMBER 19, 2014

Today’s Debt Free Story is from Amanda & Daniel. Together they blog about becoming debt free and location independence in order to serve the world at Life with a Mission. How much debt did you pay off? What kind of debt was it? How long did it take you? We paid off $68,000 of debt in eight months.

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Prairie Eco-Thrifter

FEBRUARY 5, 2014

I’m sure you’ve heard: household debt is on the rise and consumerism is everywhere. Between credit card offers in the mail promising great rewards and the ability to borrow money for next to nothing, debt can be enticing. My experiences with debt have been 100% negative. Debt does much more damage than good, however.

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Prairie Eco-Thrifter

APRIL 7, 2014

Students now more than ever are graduating into a life of student loan payments, debt, and economic uncertainty. Here are some great reasons why you should try to graduate without debt: Job Freedom. When you are saddled with debt, you have to make choices based on paying back that debt. Debt is a Waste of Money.

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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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The Frugal Girl

FEBRUARY 28, 2024

How do you stay focused when your life feels overwhelmed with financial and parenting issues? I feel I will never get rid of my credit card debt and I am so disappointed in myself that I let the balances get so high. Daily habits are manageable and not nearly so overwhelming as looking at a pile of debt!

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Family Balance Sheet

FEBRUARY 10, 2017

As I reflect back to January 2016, I started that year pretty determined to pay off the balance of our non-mortgage debts. Unfortunately, we did not hit that goal and in part, have made some major changes to our Debt Freedom Plan. Our Debt Freedom Plan Started in 2013: The year 2012 was quite exciting for me and my husband.

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Prairie Eco-Thrifter

AUGUST 19, 2012

Manage Your Debts Managing your debts is a biggy when it comes to avoiding financial disaster. Spiraling debt is the biggest single cause of financial distress out there. Credit card debt remains at an all time high; this is the first debt to attack and get under control. What happened and how did you resolve it?

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Savings Corner

DECEMBER 24, 2023

How to freeze your credit So how do you freeze your credit? How to unfreeze your credit Go to the credit bureau website and use the account you used to freeze your credit to unfreeze your credit. How to freeze your child’s credit Parents and guardians can freeze the credit of a child under 16.

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Savings Corner

APRIL 4, 2024

To find out whether your business can afford a loan, many lenders will use something called a debt service coverage ratio (DSCR). DSCR = annual net operating income / total annual debt, including principal and interest Many lenders won’t consider any business with a DSCR below 1.25, and the higher the number, the stronger you look.

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Penny Pinchin' Mom

FEBRUARY 16, 2024

The post How to Save Money From Salary Without Sacrificing Your Lifestyle appeared first on Penny Pinchin' Mom. Learning how to save money from your salary without sacrificing your lifestyle is a skill worthy of an entire course subject in the most prestigious of schools. How much of your salary should you save?

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Prairie Eco-Thrifter

SEPTEMBER 7, 2021

Senior homeowners can use this money to pay their daily expenses or repay their credit card debt. How to Change your Financial Situation Fast The Different Types Of Business Loans 3 Different Ways to Plan for Your Family's Future Should You Risk Not Having Homeowner's Insurance? IS TERM INSURANCE PURE PROTECTION PLAN?

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Family Balance Sheet

JULY 9, 2015

It’s no secret, I am fascinated, encouraged, and border-line obsessed with debt freedom. The idea of becoming debt free makes me downright giddy. So I love to hear the success stories of others who have found debt freedom. How did they make it happen? What did they specifically do to become debt free?

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Prairie Eco-Thrifter

JULY 29, 2014

These people may accrue thousands of dollars of debt on a credit card their spouse doesn’t even know about. The popular sitcom, How I Met Your Mother, delved into this episode when Marshall discovered that Lily had over $20,000 in hidden credit card debt thanks to her designer clothes habit. Money Tips'

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Prairie Eco-Thrifter

MARCH 4, 2015

It was nearly impossible to figure out exactly how the program would work for each query, because, as Bonnie Baker (the engaging and energetic DB2 speaker) used to put it “It depends” Likewise with understanding whether the rich use debt differently than the rest of us… it depends. Rich people make debt their servant.

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Family Balance Sheet

JUNE 2, 2016

Today’s Debt Free Story is from Richard of Frugality Magazine , where he shares frugal living tips for financial freedom. How much debt did you pay off? What kind of debt was it? How long did it take you? I left university, as so many do, with a fair chunk of debt. What inspired you to get debt free?

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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? Being a good example is the first step to teaching your kids how to handle money with maturity. Being a good example is the first step to teaching your kids how to handle money with maturity. “What is debt, mommy?”

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Savings Corner

DECEMBER 27, 2023

Understanding where to start, what you need in order to apply and how to compare offers can help you select the best personal loan. Personal loans from our partners Debt Consolidation Big Purchase Emergency Home Improvement Medical 5.0 Source link The post How to Get a Personal Loan in 6 Steps appeared first on Savings Corner.

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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. Meet The Achievers: Deacon and his wife paid off $52,000 in debt in 18 months. His 2017 goal is to make $100,000 in online income.

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Prairie Eco-Thrifter

APRIL 3, 2014

After realizing a financial mistake, like miscalculating a debt or failing to plan for a bill, and then beating yourself up on top of that financial stress, you’ll probably want to do something to make yourself feel better. If you’ve amassed a pile of consumer debt, create a budget and see where you can cut back. Plan Your Next Step.

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Prairie Eco-Thrifter

JANUARY 16, 2014

Traditional investment advice says that you shouldn’t invest in the market until you are financially stable, have an emergency fund and have taken care of other basics, such as insurance of all kinds, debt removal and etc. Better Investing can give you some tips on how to join or start such a club. Money Tips'

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Family Balance Sheet

JUNE 16, 2015

Today’s Debt Free Story is from Lydia. She blogs about living a limitless life on a limited budget at Frugal Debt Free Life. How much debt did you pay off? What kind of debt was it? How long did it take you? We paid off $36,000 in student loans, credit cards, cars and a bit of medical debt.

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Prairie Eco-Thrifter

SEPTEMBER 25, 2014

Too often, we rely on debt to get us through tough times instead of thinking and planning ahead. In a couple of decades, when people are just too old/and or disabled to work, but have a mountain of debt and no retirement savings, what will become of us as a nation? How have you built habits to support a strong financial future?

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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? How long did it take you? 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.

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Family Balance Sheet

APRIL 1, 2015

Today’s Debt Free Story is from Brian. He writes at Debt Discipline about about how his family of 5 deals with money, budgets and debt. I started my blog Debt Discipline to help keep us accountable while paying off our debt. How much debt did you pay off? What kind of debt was it?

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