Motherhood Moments

JANUARY 24, 2023

Instead of just forking over the money you have, it is important to have a strategy so you can save the most money possible. Pay Off Debts to Be More Attractive to Lenders If you have real debt problems, then another solution is to start paying off what you owe. This material comes from Motherhood Moment. Thanks for reading!

Money 130

Money Home Real Estate Warranties 130

The Frugal Girl

FEBRUARY 5, 2024

How did you get interested in saving money? What’s the “why” behind your money-saving efforts? Finally, I want to be a good steward of my resources and our earth’s resources. The weight of debt can be so heavy mentally in addition to the direct effects of it. Things that save time.

Virginia 183

Virginia Kids and Family Library Frugal 183

The Frugal Girl

FEBRUARY 26, 2024

The focus was on saving money and resources and living in an eco-conscious way. How did you get interested in saving money? I was always in debt, which has been a tremendous source of shame for me. What’s the “why” behind your money-saving efforts? Fun fact: J.D.

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Daughter Green And Frugal Money Grandmother 130

Prairie Eco-Thrifter

JANUARY 5, 2014

“How we handle our money early in life can impact us in future years- for example, young adults who rely on credit may find themselves continuing this pattern throughout life and consumed with debt.” Concentrate more on saving than investing. It’s a lot easier to save your way into a secure future than to invest your way there.” –Tom

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Personal Finance Finance Finance Tips Graduation 192

Family Balance Sheet

APRIL 12, 2016

Today’s Debt Free Story is from Jessica. She owns Every Single Dollar , an online financial resource dedicated to helping single women make informed financial decisions and set themselves up for financial success. How much debt did you pay off? What kind of debt was it? What inspired you to get debt free?

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Credit Cards Debt Debt Free Student 100

The Frugal Girl

NOVEMBER 13, 2023

How did you get interested in saving money? My interest in frugality is less about saving money specifically, and more about making good use of the resources I have. What’s the “why” behind your money-saving efforts? What single action or decision has saved you the most money over your life?

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Kids and Family Parenting Cars Car 190

Savings Corner

DECEMBER 23, 2023

Repaying any debts Entrepreneurs often shoulder substantial debts, whether a business loan, credit lines or personal obligations incurred during the start-up phase. The proceeds from your life insurance policy can be used to repay these debts, ensuring that your family is not responsible for settling them.

Life Insurance 52

Life Insurance Insurance Debt College Tuition 52

Family Balance Sheet

FEBRUARY 6, 2021

On one side, it could go down as a very resourceful month. We had very little saved for a new-to-us car and we would have had to take out a loan to cover most of it, and that made me uneasy about purchasing the car. Instead, we opted to replace the tires and take a year or so to save for a car. Found Money in January: $1681.

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Finance January Family 2020 130

The Frugal Girl

NOVEMBER 6, 2023

How did you get interested in saving money? I think I’ve always liked to save money. What’s the “why” behind your money-saving efforts? Why do I want to save money? One of my children has special needs, and we need to look to their future and make sure the kiddo has resources to draw on to be comfortable.

Kids and Family 188

Kids and Family Money Home and Garden Frugal 188

Prairie Eco-Thrifter

SEPTEMBER 4, 2011

Everyone has the opportunity and capacity to save. It could be due to the lack of discipline in handling money or savings just getting depleted easily. If you really want to, one can come up with dozens of reasons why it is so hard to save. Imagine what your resources will be for tomorrow if you don’t start saving now.

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Family Financial Goals Debt Goals 196

Saving Cents With Sense

JANUARY 5, 2011

It can help you develop a plan to save for retirement, pay off student loans, or just pay off that debt you have been carrying! ©2009-10 Saving Sense Media LLC. This FREE budgeting software helps you manage all your personal finances, including bank accounts, credit cards, and investments, all in one place.

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Budgeting Budget Personal Finance Software 55

Prairie Eco-Thrifter

JULY 10, 2014

Would you feel a weight lifted if you could pay off your high-rate consumer debt? Before I spend my financial resources, I ask whether or not the expense is important, and whether it reflects my core values. Am I saving up for a trip later? Think about what brings satisfaction to your life. Do you like helping others?

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Budgeting Budget Work Making 218

Savings Corner

APRIL 4, 2024

Home equity can be a valuable resource for homeowners. It represents the total debt against the home: both the original mortgage and the size of the new home equity loan or line of credit. Your home equity equals the current value of your home minus your current mortgage debt. A home’s condition affects its market value.

Calculators 52

Calculators Home Debt Fair-Trade 52

Savings Corner

APRIL 4, 2024

The money you tap from your home’s equity can be used to consolidate higher-interest debt or to improve your home. While refinancing can save you money in the long run, it comes with upfront fees. Visit our refinance resource page for calculators, tools and articles to help guide you on your mortgage refinance journey.

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Calculators Refinancing Insurance Homeowner Insurance 40

Prairie Eco-Thrifter

MAY 21, 2012

But did you know that Pinterest is also a fantastic resource for saving money? Whether you’re spending minutes or hours pinning photos of your favorite meals, outfits or vacation destinations, there is a wealth of money-saving knowledge floating around on those boards. Has it helped you save money? If so, how?

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Money DIY Saving Money Saving 188

Prairie Eco-Thrifter

MAY 25, 2014

Me from 15 years ago would get an earful about what not to do, and advice on budgeting and saving and staying out of debt. While my parents talked about saving money and only spending what you have, the lessons were more abstract than practical. However, I wasn’t maximizing my resources. What do you think?

Money 209

Money Giving Las Vegas Credit Card Rewards 209

The Frugal Girl

NOVEMBER 27, 2023

We don’t live super frugally, but we do live well within our means and try not to be wasteful with our resources. How did you get interested in saving money? When I got my first job in high school, my parents said I had to save a percentage of every paycheck. What’s the “why” behind your money-saving efforts?

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California Cars Car College 171

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

Prairie Eco-Thrifter

DECEMBER 30, 2013

However, your New Year’s Resolutions should be about more than just generically “saving more”, “spending less”, or “paying down debt” What if you’ve been making solid progress in those areas? What if you are ready to take your finances to the next level? Educate Yourself.

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Financial Goals Goals Finance Money 186

Saving Cents With Sense

JANUARY 1, 2016

My faith is in the Lord and where He will lead us… 2016 will also be a year where my family can start putting more in savings, too. I know many of you are in similar situations of needed to save, but wanting to pay off debt, and eventually be able to put money in savings. Saving Money on Haircuts.

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Saving Money 2016 Money Pay Off Debt 40

The Frugal Girl

JANUARY 29, 2024

How did you get interested in saving money? What’s the “why” behind your money-saving efforts? Staying out of debt was/is very important to me & miraculously I have succeeded this far, praise God. Since summer ’09, right after I had my first kid. I was born frugal, into a super frugal family.

Arkansas 180

Arkansas Frugal College Kids and Family 180

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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Credit Cards Credit Building Rent 234

Prairie Eco-Thrifter

OCTOBER 10, 2012

I learned quickly that the costs add up and that budgeting is of utmost importance if you want to graduate without thousands of dollars worth of debt. Here’s how I saved a lot on the cost of textbooks when in college, and you can too: Find Out Whether You Need The Book. What kinds of ways have you found to save money?

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College Library Rent Saving 188

Prairie Eco-Thrifter

SEPTEMBER 25, 2013

Whether you want to pay off debt or save for retirement or get a new TV, you have to be in agreement on the big stuff. It does you know good if you want to live a frugal lifestyle, and you keep trying to save money, if your spouse isn’t on board. Being wary of debt (and paying it down if you have it).

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Money Finance Motivation Goals 252

Prairie Eco-Thrifter

AUGUST 22, 2011

This time around my fellow bloggers and I were to share our Best Go Green Method To Save Money. Please check out the different tips below on how you too can save money and be green: Nickel by Nickel tells us how they read green using ebooks over at Beating Broke. Hello and welcome to the 10th Yakezie Blog Swap.

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Swap Personal Finance Finance Debt 133

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. Even though my son is only three, I am already teaching him that it’s important to value saving his money. How do you teach a child financial responsibility ? When he was born, I did think to draw up a will.

Life Insurance 187

Life Insurance Insurance Debt Money 187

Saving With Shellie

JANUARY 8, 2013

Dave Ramsey released a completely FREE resource called “Dave’s Guide to Budgeting” This guide can help you get started on the path to financial freedom. Dave Ramsey has excellent resources and his program has helped countless people get out of debt. Download your FREE copy today! Want more Dave Ramsey ?

Budgeting 55

Budgeting Budget Debt Discount 55

Prairie Eco-Thrifter

FEBRUARY 4, 2014

My husband and I were graduate students with loans and credit card debt, and we were certain that a higher income would solve all of our problems. Managing Your Resources. As a result of our earlier mistakes, we learned that we still need to direct our financial resources with a little thought and careful consideration.

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San Francisco Emergency Fund Money Utah 248

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.

Bank 40

Bank Banking Credit Finance 40

Saving With Shellie

MAY 12, 2014

Select Dave Ramsey books and resources are on sale for just $10. There are over 45 books and resources on sale. Dave Ramsey’s books have helped lots of people get out of debt and learn to manage their money. Dave Ramsey’s books have helped lots of people get out of debt and learn to manage their money.

Sale 45

Sale Debt Frugal Lives Frugal Living 45

Teresa's Deals

SEPTEMBER 4, 2015

She blogs about ways to help you save money, make money, has lot’s of printables, shares recipes and so much more. She blogs about coupons, household tips, saving money and more. Monica & Cathy over at Fabulessly Frugal are on a mission to help you save money while living a fabulous lifestyle.

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Frugal Frugal Lives Frugal Living St. Louis 100

Prairie Eco-Thrifter

OCTOBER 8, 2013

When I first started taking courses toward my degree, I quickly realized that the money that I’d saved up barely covered my textbooks for the year and I had to be resourceful to figure out how to come up with the cash. That feeling is even better when you know that you graduated without debt.

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Student Education Co-Op College 184

For the Mommas

MARCH 23, 2011

You can download The Simple Dollar: How One Man Wiped Out His Debts and Achieved the Life of His Dreams for free. Thanks, Money Saving Mom. Saving Everyday : Provides you with the resources to live well on less. Click to Visit Saving Everyday. Remember, the prices change frequently so make sure it is still $0.00

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Simple Debt Netflix Computers 76

The Frugal Girl

MARCH 4, 2024

Box are some of my favorite authors) and I use the library to borrow both regular books and electronic resources. How did you get interested in saving money? I learned to save money by watching my parents. (I I still remember saving my change as a kid so I could “shop” for books at yard sales.)

Green And Frugal 178

Green And Frugal Kids and Family Hotel Frugal 178

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? Going Frugal.

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February Debt Finance Personal Finance 113

Prairie Eco-Thrifter

MARCH 8, 2017

If you and your spouse or family disagree on saving, spending or investing one party may inadvertently sabotage the efforts of the other. It is the same with your finances, whether with credit, savings or investments, use the most reputable institution offering the best plans that you can find. Plan for growth over time.

Finance 133

Finance Growing Flowers and Plants Gardening 133

Prairie Eco-Thrifter

APRIL 6, 2012

” Jen presents 6 Free Financial Resources & Tools to Improve Your Finances posted at Master the Art of Saving , saying, “If youre interested in monitoring or improving your finances, then you probably dont want to be spending money to do it. ” Managing Debt. Thanks for your consideration.

Money 133

Money Finance Personal Finance Real Estate 133