Motherhood Moments

DECEMBER 26, 2022

Most Popular Resolution : 31% of people with a financial resolution want to save more. This is actually the second straight year in which more than three-quarters of people said their spending on January 1 festivities would decline year over year,” said Jill Gonzalez, WalletHub analyst. “As

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Family Balance Sheet

OCTOBER 8, 2015

The average American will spend about $700 on holiday purchases* and unfortunately many people will get a little surprise in the mail in January when the credit card bills start rolling in. 3 Smart Steps to a Debt Free Christmas. Take these steps and have a Debt Free Christmas. How do you save for Christmas spending?

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Debt Free Debt Christmas Budgeting 100

Family Balance Sheet

JANUARY 2, 2021

I wanted to reduce our non-mortgage debt, my clutter, my distractions, my impact on the environment, and my consumption of sweets. After writing some financial goals that had a lot to do with researching topics, such as retirement and college savings strategies, I realized that maybe my word for 2020 was READ. But 2019 was different.

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Debt 2020 2019 Financial Goals 130

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. 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. I save the points up to redeem a larger amount.

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April Money Credit Cards Donation 130

Family Balance Sheet

APRIL 11, 2020

Pre-coronavirus, I considered having 3 months of expenses saved in cash to be sufficient. 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. In January and February, my husband and I were contemplating replacing our 12.5

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Budgeting Budget Family Debt 246

Family Balance Sheet

JANUARY 20, 2023

That was the year that we made the goal of paying off the last of our non-mortgage debts and we achieved it by September of that year. In 2021, I wanted to increase our savings but didn’t attach any number to it, so we floundered that year away. We have a number that we want to save for each daughter.

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Financial Goals Goals Debt College 130

Family Balance Sheet

OCTOBER 15, 2021

Right before the pandemic started, I opened 529 College Savings Accounts for our daughters. My oldest was in eighth grade and one of my goals for 2020 was to start saving consistently for both daughters’ college education. In January of 2020, I was gung-ho about saving for college, however, I had no idea what was about to happen.

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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. 10.16% The average $30,000 HELOC rate as of the beginning of January 2024 — up from 7.62% in January 2023. What is a home equity loan? to 10 percent.

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Home Debt Credit Cards Credit 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. January and February were stellar months with finding money. I’m saving my plasma money for summer trips and activities. Found Money Recap: January 2021 – I found $1681. Credit Card Cash Back: $175.

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March Money Donation Credit Cards 130

Prairie Eco-Thrifter

JANUARY 7, 2011

They also have some tips on websites that can help us save our pennies. Financial Highway shares with us 3 ways we can actually save money all year long. Reducing Debt. Mrs. Not Made of Money shares her wisdom on how we can cure a hangover, a debt hangover that is. Here are some of the hits from this week: Managing Money.

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January Personal Finance Finance Green And Frugal 113

Prairie Eco-Thrifter

JANUARY 28, 2011

How to Save Money shares with us how we can keep our finances safe when buying items online. Sweating the Big Stuff tells us about 5 people that can save us money, time and stress. Live Real, Now tells us how we can save money on anything from bills to insurance. We save money and still look great. Reducing Debt.

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January 2010 Personal Finance Finance 124

Family Balance Sheet

NOVEMBER 18, 2022

Americans will spend about $900 on holiday purchases** and unfortunately, many people will get a little surprise in the mail in January when the credit card bills start rolling in. Take these steps and have a Debt Free Christmas. How do you save for Christmas spending? Have you started planning for Christmas? Source: Gallup.

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Christmas Budgeting Budget Money 130

Saving Everyday

JANUARY 16, 2014

Frugal Living: Powerful Family Budget And Debt Management Plan Advice For Abundance And Debt Free Living. The post 10 FREE Kindle Books For January 19th appeared first on Saving Every Day. The Loyal Servant. 52 Delicious & Healthy SUPERFOOD Breakfasts Under 300 Calories. Boredom Busters! The UnTied Kingdom.

January 45

January Debt Debt Free Frugal Lives 45

Prairie Eco-Thrifter

FEBRUARY 4, 2011

Bucksome Boomer shares with us 9 tips for tax time that will save us from forming those wrinkles. Saving Money Today clears up for us the difference between defined benefit and defined contribution. Punch Debt in the Face tells us why no spend challenges are for wussies. Reducing Debt. GO PACK GO! Managing Money.

January 113

January February Debt Personal Finance 113

Family Balance Sheet

MARCH 11, 2021

On January 1st, many of us are very gung-ho about writing goals but are we as enthusiastic about those goals on March 12? T – time-based, tangible, In 2019, we paid off six figures of non-mortgage debts. Related Reading : How We Paid off Six Figures of Debt. This simple yet effective list has eased my stress and saved me time.

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Finance Cleaning Goals Insurance 130

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

Family Balance Sheet

JULY 9, 2014

When my husband and I wrote our Debt Freedom Plan earlier this year, we made a commitment to scrutinize our monthly expenses to find money to put towards our plan. Our Savings: $67 a month or almost $800 a year. Our savings: $55 a month or $660 a year. Our savings: $184 a month. We want to have our cake and eat it too.

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Grocery Spending Financial Goals January Budgeting 242

Family Balance Sheet

JANUARY 26, 2016

As God is my witness, it WILL be the year that we pay off the last of our non-mortgage debt. At the time, we had 4 business loans and 1 student loan that were weighing on us, so we created our Debt Freedom Plan. We have a retirement to plan , our daughters’ college to save for, and many places to visit. Home Projects.

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Financial Goals Goals 2016 Debt 100

The Frugal Girl

FEBRUARY 18, 2024

In January, the four of us put together a long list of games we wanted to play, many of which were just gathering dust in the basement, and it has become a joint New Year’s resolution to get through all of them before the year is over! How did you get interested in saving money? A freebie cabinet. I quickly became a daily reader.

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Kids and Family Home and Garden Money Frugal 184

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. Her 2017 goal is to save $20,000 in cash.

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Financial Goals Goals Debt Budgeting 100

Prairie Eco-Thrifter

JANUARY 14, 2011

Bucksome Boomer shares with us how to revolutionize our finances using our savings. Financial Highway tells us how we can save on produce at the store. Reducing Debt. The Digerati Life shares insight as to when you should get help in trying to pay off your debt. He just turned 50 this week. Happy bday!!! Going Frugal.

January 113

January Personal Finance Green And Frugal Finance 113

Savings Corner

DECEMBER 27, 2023

These loans come with credit-building tools, flexible repayment terms and special features for debt consolidation and home improvement projects. Direct payment to creditors with debt consolidation loans. Maximum debt-to-income ratio: 75%, including mortgage and the loan you’re applying for. Minimum annual income: None.

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Credit January Debt Credit Cards 52

Family Balance Sheet

JANUARY 1, 2015

Every January 1, I get caught up in the hopeful feeling of the upcoming new year. Most of them are related to our small business, my husband’s chiropractic office, but last January I got a bee in my bonnet about debt…thank you, Dave Ramsey. This is the year that we will be very intense about paying off our debt.

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2015 Money Debt Home and Garden 100

Family Balance Sheet

DECEMBER 29, 2020

Saving more money is one of the top resolutions that people make…after getting in shape and eating healthier. One January, we received a very large credit card bill in the mail. Savings Goals – Set savings goals for the year and use this spreadsheet to track your progress. Are you ready for a fresh start?

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Budgeting Budget Family Property Taxes 130

Saving In Akron

JANUARY 12, 2012

If you've been wanting to invest in Dave Ramsey's program for eliminating your debt, now's the perfect time. Learn how to set up a cash flow plan, live within your means, pay off your debt, and have enough extra cash for saving and entertainment. New Members can sign up and save 10% with code JAN10.

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Education Money Free Shipping Software 113

Family Balance Sheet

JUNE 4, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. This money was put into my Christmas Savings account. January 2021 – I found $1681. Over the years, I have found money through rebates, refunds, online sales, and even the ground. My total found money in May: $321.81.

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Money May Donation 2020 130

Family Balance Sheet

AUGUST 11, 2016

And in adulthood, they are stashing their incomes and living hyper-frugally to save for early retirement, instead of waiting to 65 to fulfill their dreams. This leaves not much left to save for retirement. ” Recently Go Banking Rates conducted two studies on savings rates with startling results. It’s all too much.

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Emergency Fund Money Finance Debt 100

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. And we were on a roll in January 2016. Unfortunately, we did not hit that goal and in part, have made some major changes to our Debt Freedom Plan. I even created a hashtag, #crushingdebt2016.

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Debt 2017 Student 2016 100

Finally Frugal

SEPTEMBER 10, 2012

Here's a more organized update (and then I'll explain my dilemma): Here's where things stand now, in early-mid September 2012: Second Mortgage Debt: $31,400::::$25,176. Student Loan Debt: $61,762::::$29,318. Primary Mortgage Debt: $167,500::::$154,209. Student Loan Debt: $61,762::::$39,070. What would you do?

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Debt Student Taxes January 45

Saving Cents With Sense

NOVEMBER 11, 2013

Creating a holiday budget can help you control your spending and make sure you get all of the items you need while staying out of debt or overspending. Disposable income would be what is left after all of your bills for the month of November, December, and even January are paid. A debt free holiday is a feeling that money can’t buy!

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Budgeting Budget Holiday Debt 112

Family Balance Sheet

JANUARY 10, 2012

A sunny day in the middle of January called us outdoors. How much do we need to save to get to our target. Column E = Monthly debt payment. How much do we want to reduce debt by? Do we need to replenish our emergency savings? The following post is as much a reminder for me as it is for everyone else.

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Finance Financial Goals Goals C&H 138

Prairie Eco-Thrifter

DECEMBER 1, 2014

If you make $50,000 and your goal is to save $25,000 this year, I’m here to tell you, this isn’t likely to happen. If you make $50,000, maybe, depending on your situation, saving $2,400, or $200 a month is within your reach. A year’s worth of financial goals staring at you on January 1st can be daunting.

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Goals Financial Goals December Motivation 209

Family Balance Sheet

APRIL 1, 2011

Did you make some financial goals for 2011 back in January? If you didn't make any goals in January, take some time to plan for the balance of the year. It is a one page, visual reminder of our assets (checking, savings and retirement accounts), our liabilities (our debts) and our financial goals.

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Finance Financial Goals Goals Credit 127

Couponing 101

DECEMBER 26, 2011

I have a few tips for saving money (and your sanity!) Shopping a little bit at a time over the course of the year can be easier for some people than paying one lump sum at the end of the year (and potentially using credit cards and going into debt.) or trying to save a little money each month to pay for gifts. next Christmas!

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Christmas Toys Gifts Bath and Body Works 80

Couponing 101

JANUARY 4, 2011

I have a few tips for saving money (and your sanity!) Shopping a little bit at a time over the course of the year can be easier for some people than paying one lump sum at the end of the year (and potentially using credit cards and going into debt.) or trying to save a little money each month to pay for gifts. this Christmas!

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Saving Money Christmas Money Bath and Body Works 74

Prairie Eco-Thrifter

FEBRUARY 18, 2011

We have been saving for our vacation to Asia since last year and we have been successful at this. We have more stable careers, we have no debt (other than our mortgage), and we own a home. I don’t know about you but I am always up for saving some money anywhere I can. Reducing Debt. How about you? Congrats!!

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February Debt Finance Personal Finance 113

Prairie Eco-Thrifter

FEBRUARY 7, 2011

Different members from the network paired up to post on each other’s blogs and discuss the topic of how to save money on everyday activities. Here’s a list of all of the participants so you too can read some of the great day-to-day money saving tips that were shared on Friday! It’s a pretty cool thing really.

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Swap Personal Finance Finance Saving Money 113