Family Balance Sheet

DECEMBER 1, 2011

We love homemade Chex Party mix at our house and I make it every year in December. If you make it too, you might want to print the coupon for $1.00 off of Two Boxes of Chex cereals. How do you make Chex Party mix? Do you follow the Original recipe or are you more creative? I usually follow the original recipe, but I might mix it up this year.

Cereal 149

Cereal Homemade Printable Coupon December 149

Family Balance Sheet

NOVEMBER 15, 2013

Now through December 24 | Santa’s Wonderland - FREE 4 X 6 photo with Santa, FREE games, activities, and crafts.' Saturday, Nov. 16, 1 – 3 PM | Nicole Crafts Holiday Vinyl & Glass Block Demo. Sunday, Nov. 17, 1 – 3 PM | Snowcapped Peppermint Sticks – Make-n-Mold Candy Making Demo. Bass Pro Shops.

Nov 100

Nov Crochet Family Michael's 100

Family Balance Sheet

DECEMBER 9, 2014

I look forward to Christmas and the month of December all year and once it’s here, it always seems to fly by. It is so easy for the month to get lost in the commercialism and the frenzied pace and while it is fun to receive a gift, my husband and I want the month to be focused on our faith and our family.

Activism 208

Activism Christmas Budgeting Budget 208

Family Balance Sheet

NOVEMBER 20, 2013

Now through December 24 | Santa’s Wonderland - FREE 4 X 6 photo with Santa, FREE games, activities, and crafts. Sessions starting every half hour from 10:00am – 11:30am. See a store associate to join the fun! Saturday, Nov. 23, 1 – 3 PM | Cousin Tis the Season Jewelry Demo. Bass Pro Shops.

Nov 100

Nov Family Michael's Jewelry 100

Family Balance Sheet

NOVEMBER 23, 2013

Grab your spot at The Moms & Money Summit - December 6 & 7. I use blank calendars for meal planning, half marathon training, and family event planning. 5 Secret Ways to Save at Amazon.com at The Greenbacks Gal. Just in time for holiday shopping. It’s FREE and online.

November 100

November Used Menu Planning Menu Plans 100

Family Balance Sheet

NOVEMBER 13, 2012

To help my girls with their patience (and mine), I printed blank November and December calendars that I found online and posted them on the refrigerator. or "mommy, how many more days until we're off school." I'm just waiting for "mommy, how many more days until Santa comes?".

Holiday 127

Holiday Kids and Family Cheer November 127

Family Balance Sheet

JUNE 15, 2011

I stored the 5 lb sacks that I bought in December in the freezer and that worked out well, but I would need some kind of container for this 25 lb bag to keep it in the freezer.[link] All I could think of was my husband rolling his eyes when he sees this crazy bag.

Home and Garden 157

Home and Garden Freezers December Groceries 157

Family Balance Sheet

JANUARY 5, 2019

Back in December, I read the book, Zero Waste Home: The Ultimate Guide to Simplifying Your Life by Reducing Your Waste. I don’t want to get to December 2019 and wonder where the year went and have forgotten all about everything I was trying to accomplish. I want to reduce my impact on the environment. .

2019 100

2019 Recycle Recycled Recycling 100

Family Balance Sheet

DECEMBER 14, 2012

But what I do know is that I love to look at Christmas lights every December. Every square inch of their lawn must have been covered with lights and it was magical to me and my brother. What propels someone to decorate the outside of their home to such a level, I'll never know. And I've passed on that love to my kids.

Lighting 138

Lighting Christmas Frugal Holiday 138

Family Balance Sheet

DECEMBER 9, 2012

To celebrate the Birth of Christ, the true meaning of Christmas for many Christians, many churches have concerts, musicals, plays, candle lighting services, and other programs through out December that lead up to the much anticipated Christmas Eve service.

Christmas 100

Christmas Frugal Holiday Music 100

Family Balance Sheet

JANUARY 22, 2022

During December 2021, they offered $20 in freebies all at the same time. That’s an ok price but what made the sale super sweet was that I could stack it with the Ibotta promotion: $3 off, up to 3 offers allowed. The final price was.89/bottle! Free after offers: Lately, Ibotta has been offering more “free after offer” items.

Groceries 130

Groceries Grocery Friends And Family Sale 2000 130

Family Balance Sheet

JANUARY 11, 2011

I'll use that money through out the year for birthday gifts along with Christmas presents in December. I then divided that new number by 12 and that is the dollar amount that I am going to transfer to a savings account every month. I'm hoping that if I plan now, I'll spend less later. It is only 347 days away.

Christmas 138

Christmas 2011 Bills Credit Cards 138

Family Balance Sheet

DECEMBER 17, 2012

Also, this holiday season, Edwards Desserts will be donating $1 to Toys for Tots for every Edwards Desserts product purchased during the months of November and December (up to $50,000). Plus, with every e-card sent, both you and the recipient will receive up to (2) $1 off any Mrs Smith's or Edwards Frozen pies via an email link. (2

Desserts 100

Desserts Holiday Georgia Hersheys 100

Family Balance Sheet

DECEMBER 23, 2017

Planner details: January – December 2018 tabs. I’m going to take some time between Christmas and New Year’s to sit down and think through these pages. What do I want to accomplish this year with all aspects of my life: personal, family, spiritual, work, and of course, financial! 1 day per page. Twin wire binding.

2018 100

2018 Video College Gratitude 100

Family Balance Sheet

OCTOBER 31, 2011

Six years ago this December, my husband and I celebrated our first Christmas as parents. We were so excited to send out a photo Christmas card to introduce our new little bundle to our friends and family. That year started our tradition of sending out a photo card to our close family and friends.

Holiday 113

Holiday 2011 Collectibles Photos 113

Family Balance Sheet

DECEMBER 29, 2020

I knew it was coming because we hadn’t planned for all of the gifts we bought in December and used a credit card to pay for them. We scrambled to find the cash, but at that moment I created the Personal Escrow spreadsheet because I NEVER wanted to have that frantic feeling again.

Budgeting 130

Budgeting Budget Family Property Taxes 130

Family Balance Sheet

JANUARY 4, 2016

Instead of December, we now should have it paid off by the end of this February. We have new financial goals for this year. While we made considerable headway in 2015 with reducing our debts, we missed our goal of paying off a loan by the end of the year. Once that is paid off, we will have just one final non-mortgage loan.

2016 100

2016 Money Financial Goals Debt 100

Family Balance Sheet

MARCH 9, 2018

I knew it was coming, because we hadn’t planned for all of the gifts we bought in December and used a credit card to pay for them. We scrambled to find the cash, but in that moment I created the Personal Escrow spreadsheet , because I NEVER wanted to have that frantic feeling again.

Budgeting 160

Budgeting Budget Family Property Taxes 160

Family Balance Sheet

OCTOBER 14, 2014

Gift giving isn’t just a December sport. Secondly, I also want you to brainstorm all of your other gift spending through out the year. Download another budget (but save under a different name) for your other yearly gift giving. We need to plan for gift giving all year long.

Finance 100

Finance Giving Organic Organization 100

Family Balance Sheet

DECEMBER 30, 2014

And as I type this post on December 28, 2014 I am sitting in my dining room that also works as a make-shift office, books piled high, papers strewn over the buffet, rolls of gift wrap lying against the wall, and our extra chairs from Christmas breakfast still haven’t been put away. Thanks for supporting Family Balance Sheet.

Kids and Family 187

Kids and Family Home Cleaning Wellness 187

Family Balance Sheet

JANUARY 2, 2012

This past December, I had crafts planned for each day of their holiday vacation. My husband bought a new camera this past summer and I have yet to watch the instructional video. Our Family Goals. Declare one night each week to be Family Game Night. Less TV time, more creative time.

Goals 138

Goals Family 2012 Sewing Machines 138

Family Balance Sheet

FEBRUARY 1, 2011

While Christmas shopping back in December, I noticed a Brownie pan at a home goods store with a price tag of $29.99. Every time one of us walks by the pan, we cut off just one more piece. Just one tiny piece won't hurt. And that is NOT good for us or our waistline.

Frugal 127

Frugal Freezers Homemade Desserts 127

Family Balance Sheet

JANUARY 10, 2014

Personally, the club encouraged me to set aside money every month and the relief and empowerment that I felt in December when we paid cash for all of our Christmas gifts was awesome! Last year, I ran a monthly series, The Christmas Savings Club , that encouraged all of us to save monthly so that we could have a cash Christmas.

Budgeting 174

Budgeting Budget Groceries Grocery 174

Family Balance Sheet

MARCH 25, 2013

Are you struggling with saving money now (in March) for something that you won't need until November or December? At the beginning of March I was still $40 behind from January & February, but I transferred $125 to our account this month and I'll aim to get the $15 in April along with our $100 goal. How Are You Doing? Stay Strong!

March 100

March Club Christmas Goals 100

Family Balance Sheet

JANUARY 25, 2019

It’s so easy to get caught up in all of the bargains that stores throw at us in November and December. Did you over spend? Did you use cash or put your purchases on a credit card? I get swayed too when I see the sales flyers for all of the pretty things.

2019 100

2019 Club Christmas 2018 100

Family Balance Sheet

JANUARY 31, 2020

I earned a free ham at my grocery store in December, so I baked it on New Year’s Day. This new routine only costs me $3 for the pick up and I’m finding it’s well worth it. I stick to my list and random delicacies aren’t falling into my cart. Yes, please!

January 130

January Frugal Green And Frugal Homemade 130

Family Balance Sheet

JANUARY 25, 2013

Coming off of December, our extra funds were a bit low after paying for this past Christmas. That number includes gifts for our kids, extended family members, teachers, friends, neighbors, bus drivers, service people, our Christmas cards, stamps, and our donations towards the Salvation Army's Adopt-a-Family program.

Christmas 127

Christmas Club Goals Budgeting 127

Family Balance Sheet

JUNE 17, 2018

We talked about our 2018 financial goals back in late December, but we didn’t look past the current year. The topic came to me when I realized that my husband and I haven’t really talked about our future financial goals in awhile.

Home and Garden 100

Home and Garden Financial Goals Friends And Family Sale Gardening 100

Family Balance Sheet

NOVEMBER 28, 2014

Enrollment for Elite Blog Academy is now OPEN for $299, starting Friday, November 28th through Midnight on December 5th. Blogging is not for the faint of heart, and this course requires a willingness to buckle down and get to work. This is the last time this course will ever offered at this price, and believe me, it is worth SO much more!

Growing 190

Growing Goals Full Time Video 190

Family Balance Sheet

JANUARY 11, 2019

In previous years, I would create a long list of financial goals, only to have little accomplished by the end of the December. Too many shiny quarters and not enough focus gets absolutely nothing accomplished. I almost stopped writing goals down altogether.

Financial Goals 100

Financial Goals Goals 2019 Health Insurance 100

Family Balance Sheet

DECEMBER 17, 2015

The magazine offers delicious recipes, step-by-step tutorials, meal planning tips, and high-value coupons–there were over $40 worth of coupons in the November/December issue. It is a beautiful, high quality magazine that is completely FREE with your store bonus card.

Food 100

Food Storing Saving Magazines 100

Family Balance Sheet

FEBRUARY 14, 2011

It was the reason I bought four 5-lb bags of flour during the holiday sales back in the December. When I use the sale flour that I bought in December and when I buy the yeast on sale and with a coupon, I'll spend about $1 to make one batch of the Master Recipe. I take the full 2 weeks to use the dough.

Bread 159

Bread Ovens Pizza Baking 159

Family Balance Sheet

FEBRUARY 23, 2016

We need to find/earn even more money each month to throw at the debt to make our goal by December 31, 2016. It will be quite a feat because by my calculations we’ll be short each month if we just apply our debt snowball payment.

Debt 100

Debt Goals 2016 Calculators 100

Family Balance Sheet

JUNE 4, 2015

We paid off our first renovation loan in December 2014 and the next loan should be paid off by the end of this summer. We have a long way to go before we accomplish our goals and reach debt freedom, but my husband and I are starting to see momentum and progress. Our business is again thriving. We are communicating regularly.

Goals 100

Goals Debt Renovation Daughter 100

Family Balance Sheet

OCTOBER 18, 2019

Happy New Year’s 2019: In January 2019, we were down to one final non-mortgage loan, so we created just one financial goal for the year—-to pay off that last non-mortgage debt by December. … cue the Jefferson Starship song, “Nothing’s going to stop us now”… Fast forward to September.

Debt 100

Debt 2019 Financial Goals Emergency Fund 100

Family Balance Sheet

FEBRUARY 7, 2014

2 Rotating Cleaning Checklists (not dated and January – December). 15 Month Calendar (15 pages) October 2013-December 2014 – vertical with plenty of room to put in a binder or planner. The Simplified Life Kit includes: 2 Budget + Bill Pay Checklists – one in turquoise + green and one in pink + purple.

Organic 100

Organic Organization Menu Planning Menu Plans 100

Family Balance Sheet

AUGUST 4, 2014

We also were working on paying for Jon’s master’s degree and then my own masters degree, which I completed in December 2013. After graduating with our bachelor’s degrees Jon and I had about $36,000 in debt between us.

Debt Free 243

Debt Free Debt Goals Student 243