Saving Cents With Sense

JANUARY 1, 2014

Having money automatically go into your account will help you stick to your resolution and save for your future, such as an emergency fund, a child’s college education, or retirement. It is an eye-opening experience and will allow you to figure out what you can cut back on, as well as what is a necessary expense.

2014 88

2014 Saving Bills Emergency Fund 88

Prairie Eco-Thrifter

SEPTEMBER 4, 2011

You can’t eat, sleep, and think?! The easiest way to get out of debt is to never borrow money at all. Plan for Financial Emergencies. Establishing emergency funds aids you in building up savings for unexpected expenses. Schedule your family dine out night because eating out frequently can damage your budget.

Family 196

Family Financial Goals Debt Goals 196

Family Balance Sheet

SEPTEMBER 9, 2014

She and her husband paid off $147,000 in debt–including their home. About $52,000 of that $147K was consumer debt (credit cards, a student loan, a car loan, a home improvement loan, etc.) Building an emergency fund also helps enormously. Who handles the day-to-day finances in your home or do you work on it equally?

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Family Balance Sheet

JANUARY 20, 2017

our home with a GREAT interest rate so we are okay with it. out and it gave us the momentum we needed to focus on all of our other. emergency fund, so we started throwing what little extra we had straight. because we aren’t eating out. We knew it would take us years to get out of debt!

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Saving Cents With Sense

JANUARY 3, 2017

Having money automatically go into your account will help you stick to your resolution and save for your future, such as an emergency fund, a child’s college education, or retirement. It is an eye-opening experience and will allow you to figure out what you can cut back on, as well as what is a necessary expense.

New Year's 40

New Year's Saving Bills Emergency Fund 40

Family Balance Sheet

JANUARY 21, 2015

I own a software consultancy that I run from home and my husband is a letter carrier with the post office. We have 2 girls that I am home schooling this year. We paid down mostly student loans, vehicles and business credit card debt ( we already own a home outright ). Nine years later, I am still at home! I am the nerd.

Debt 100

Debt Debt Free Las Vegas Finance 100

Saving Cents With Sense

JANUARY 1, 2015

Having money automatically go into your account will help you stick to your resolution and save for your future, such as an emergency fund, a child’s college education, or retirement. It is an eye-opening experience and will allow you to figure out what you can cut back on, as well as what is a necessary expense.

New Year's 40

New Year's Saving Bills Emergency Fund 40

Family Balance Sheet

JUNE 22, 2020

Our business was doing very well, and we were excited about the opportunity to own a property outside of our home. With that much debt, we needed some go big or go home heavy hitters that would make a big impact on debt reduction. Financially speaking, he focuses on building the business and I focus on managing our home and finances.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Family Balance Sheet

JANUARY 17, 2018

We will need to cut back on dining out, but it is unrealistic for me to say we won’t eat at restaurants this year. I’ll do my best to follow my own advice, 10 Ways to Save When Eating Out , and we will bring snacks, bag lunches, and drinks on road and errand trips to save money. Save a starter Home Emergency Fund.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

Family Balance Sheet

FEBRUARY 10, 2017

We dramatically reduced our spending by cutting our cable TV and landline , shopping thrifty, eating out less often , and lowering our grocery bill. Our extra funds went towards our cash flow. At that time, I couldn’t cash flow the office budget, home budget, our loans, and retirement savings.

Debt 100

Debt 2017 Student 2016 100

Family Balance Sheet

JUNE 8, 2018

I discovered the term, Zero-Based Budget, when my husband and I took Dave Ramsey’s Financial Peace University home course many years ago. Necessary expenses could be: – Home: Mortgage/rent, utilities, insurance, taxes, necessary repairs. – Food: groceries, meals out, school lunches.

Budgeting 133

Budgeting Budget Financial Goals Goals 133

Family Balance Sheet

MAY 27, 2015

I’m a former 3rd grade teacher, but now a stay at home mom and a graphic designer of Joyful Art Designs. Our plans for me to be a stay at home mom on one teacher salary. I would break down and cry a few times, but he stayed calm, reminded me of our goals, and always gave me a say in opting out of it. I hope we get to meet him.

Debt 100

Debt Debt Free Pay Off Debt Finds 100