Family Balance Sheet

AUGUST 11, 2016

I’m on this journey to financial wellness with you and every weekend, I pack the newsletter with budgeting inspiration, money-saving tips & ideas, and frugal, yet tasty recipes. Find a Financial Professional you can trust. Start Saving for your Emergency Fund TODAY! And Read some more. Where We Stand.

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Emergency Fund Money Finance Debt 100

Prairie Eco-Thrifter

JANUARY 1, 2013

Lack of An Emergency Fund . One of the most common disastrous finance mistakes is not having any sort of financial back-up for emergencies. Experts recommend an emergency fund of at least six month’s salary as essential, especially if you are struggling to make ends meet. So, have you made any of these mistakes?

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Emergency Fund Credit Cards Personal Finance Finance 272

Prairie Eco-Thrifter

NOVEMBER 4, 2013

Unfortunately, that is the problem; it has been shown that those who live the high life after graduation, without making any provisions for the future, find it much harder to settle into a plan that will ensure a secure financial future. Another important aspect of your budget should be an emergency fund.

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Graduation Making Emergency Fund Budget 210

Family Balance Sheet

APRIL 11, 2020

I have written often about the importance of an emergency fund. This is not an elective, fun, no-spend month like what we did in January to find funds for our summer vacation. We didn’t have enough cash saved to buy a car without a loan and that wasn’t sitting well with me. Cash is King.

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Budget Budgeting Family Debt 246

Family Balance Sheet

OCTOBER 18, 2019

1 – Save a starter Home Emergency Fund. Dave Ramsey suggests to have a starter emergency fund of $1000 while focusing on paying off non-mortgage debt. We have definitely dipped into this fund often, so I’m glad I strayed from his advice here. We limited our dinners out. We cut our gym memberships.

Debt 100

Debt 2019 Financial Goals Emergency Fund 100

Prairie Eco-Thrifter

JULY 28, 2014

Find something to motivate you into becoming financially literate. Once you’ve figured out how much you need total, find a way to break it down and include a monthly savings target in the budget. Find a way to track your progress towards your goals that helps you stick to your new spending and savings plan. How to Start.

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Hobby Money Making Goals 189

Family Balance Sheet

JULY 10, 2023

My goal has always been to live well on less while achieving our big financial goals. So we started shopping around and were shocked to find how expensive outdoor furniture has become. I accessorized with some clearance finds from Target and Sam’s and we are really happy with our new sunroom.

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Frugal June Flights CD 100

Prairie Eco-Thrifter

MARCH 14, 2013

Now is the time to watch every penny that you spend, so that you can purchase more in the same budget or even better, put that money in emergency funds. Well, I can tell you a number of ways to save money on household expenses. You can find so many things of similar quality at prices much lower than your favorite brand.

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Saving Money Money Bills Insurance 222

Penny Pinchin' Mom

JANUARY 16, 2024

However, if you have been following me, you know that I am quite serious about finding ways to not only get out of debt but also how to create a budget (and stick to it) as well as how to save money without necessarily depriving your family of the quality of life they deserve. Find yours and use it to make extra cash.

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Personal Finance Finance Tips Finance Mom 52

Prairie Eco-Thrifter

NOVEMBER 30, 2014

Well, kids, your parents lied to you – money does grow on trees. Ballenger was another teacher who lived frugally but well (often traveling around the world). Put your roots into healthy soil and suck up the best nutrients you can find. Learn from books but learn from doing and observing as well. Florence Ballenger.

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Virginia Money Real Estate Growing 160

Savings Corner

APRIL 4, 2024

There are, however, two catches: Low-risk investments earn lower returns than you could find elsewhere with risk; and inflation can erode the purchasing power of money stashed in low-risk investments. It’s also why low-risk plays make for better short-term investments or a stash for your emergency fund.

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April Lowes CD Bank 52

Prairie Eco-Thrifter

AUGUST 15, 2012

Figure Out What You Want to Include Your first step is to figure out what you want to include in your home food storage, as well as how much you need. Include quantities that make sense for your space, as well as that amounts that you can easily manage as part of your rotation. As well as. There’s no need to go overboard.

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Storage Building Home Bank 229

Prairie Eco-Thrifter

MARCH 23, 2015

Find and study other ways of living, earning, learning and dreaming. Travel, find a mentor, volunteer in another area. Should you spend the money on that new flat screen and sound bar, or save it for the emergency fund? Consider not only the financial aspects, but the life enjoyment aspects as well.

Financial Goals 100

Financial Goals Emergency Fund Money Goals 100

Family Balance Sheet

JULY 20, 2011

I don't want to drain the emergency fund, which could easily happen when the AC needs replaced. Read through the owners manuals to find out how to clean the appliances. Did you know that you need to clean the outside of your refrigerator as well as the inside? We certainly don't want to go into debt either.

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Appliances Washer and Dryer Emergency Fund Warranties 138

Family Balance Sheet

JANUARY 26, 2016

SO THIS WILL BE THE YEAR…YAY… WOOHOO… BUT……in order to reach our goal by the end of the year, we need to find/earn more money than we currently are able to come up with each month. The goal is to reduce our monthly spending where we can to find extra money to apply to our debt. I think I’ll survive.

Financial Goals 100

Financial Goals Goals 2016 Debt 100

Prairie Eco-Thrifter

NOVEMBER 12, 2011

Money Cactus: Wealth Creation Online: Invest It Wisely Interview – There are a stack of really great personal finance blogs online and keeping up with them can be tough, this series introduces you to those who I think are well worth knowing about. Today I’m going to talk about getting those emergency funds going.

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November 2011 Personal Finance Finance 188

Prairie Eco-Thrifter

SEPTEMBER 13, 2011

Well it’s because they are lured by that vision of a ’dream life’ into over using their credit limit and acquiring mortgages that they can’t afford. If you can’t get your dream life on your current income, then find ways to increase your income sources. Use your math skills to define your dream life.

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Debt Free Debt Emergency Fund Hobby 235

Prairie Eco-Thrifter

JULY 4, 2011

Some people find themselves buried under student loan debt with little chance of ever paying it off. Squirrelers from Squirrelers presents The Case for a Bigger Emergency Fund. Is the conventional advice of keeping a 3 to 6 month emergency fund still valid? Music to my ears!! Don’t worry, there are options.

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Personal Finance Finance Family Debt 240

Saving With Shellie

JULY 12, 2011

You’ll also find a button like the one at the top of this post, here on Saving with Shellie. Start an emergency fund? The 2011 Savings.com Deal Pros will be working together to challenge our readers to save more and I can’t wait to see how well everyone does! You'll find even more deals and steals.

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Emergency Fund Goals Saving Saving Money 67

Prairie Eco-Thrifter

SEPTEMBER 4, 2011

Many parents are finding it hard to control their finances and stretch their wallet these days more than ever. If you use the formula: INCOME–EXPENSES = SAVINGS , then you are bound to find yourself with a ‘financial cavity’. Follow this pattern and you are well on your way to generating savings. What did you find?

Family 196

Family Financial Goals Debt Goals 196

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.

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2014 Saving Bills Emergency Fund 88

Prairie Eco-Thrifter

JUNE 9, 2013

You will probably find other things that are causing you stress and it is important to review all aspects of your life to find where these stressors are lurking. I find it helpful to jot these down because when you’re stressed, holding too many thoughts in your mind is darned near impossible. The Pressure of Time.

Making 202

Making Emergency Fund Work Finance 202

Prairie Eco-Thrifter

OCTOBER 21, 2012

Well, this time I have done it again and put together some good laughs for you to enjoy on your Monday morning. There will always be limits on salary or income potentials so finding ways to save always help. Take the test to find out!” Hello and welcome to this week’s Carnival of Personal Finance. I totally agree.

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Personal Finance Finance Debt Money 219

Family Balance Sheet

FEBRUARY 2, 2017

You might even find yourself wondering, “well, they don’t know my circumstances”, or “they can’t have it that bad,” or “their life must be so much easier than mine.” Deacon, from Well Kept Wallet , says, you need to map out a step by step plan to make your goals happen.

Financial Goals 100

Financial Goals Goals Debt 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

Saving With Shellie

JULY 22, 2011

I encouraged you to build an emergency fund or pay down debt with your savings. Many of my fellow Deal Pros are determined to save as well. Ruth of Living Well, Spending Less is pledging to save $100 per week in order to renovate her backyard after the destruction of Hurricane Charlie. Happy Saving!

Goals 49

Goals Emergency Fund Financial Goals Debt 49

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

Prairie Eco-Thrifter

MAY 6, 2016

Graham (and Buffet) are known for their practice of ‘value investing’ – finding stocks that are undervalued. Also, my spouse and I are both buy and hold investors, so the selling part didn’t clique well with us. The net net stocks are those that have a low price relative to the net current asset value.

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401K Money Emergency Fund Goals 100

Family Balance Sheet

JANUARY 1, 2015

I started the Debt Free Stories interview series back in September and it has been really well received. These will continue as long as I can find people don’t mind being open and transparent about their debt free story. If you’ve missed the previous interviews, you can find them HERE.

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2015 Money Debt Home and Garden 100

Family Balance Sheet

JANUARY 20, 2017

emergency fund, so we started throwing what little extra we had straight. 4 – The biggest thing is finding like-minded friends. Find friends who have some of the same. Communicating well and communicating often has made talking about. First, we will save our six-month emergency fund. priorities.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Prairie Eco-Thrifter

MAY 26, 2016

It has served me well over the years, eventually leading to my current position of financial freedom. Because I truly believe that saving is valuable – even in a low interest rate environment- I will find a way to help them realize the value of saving. I’m a saver, always have been.

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Money Saving Money Lowes Grandchildren 124

Family Balance Sheet

SEPTEMBER 29, 2016

You can find Angela at her You Tube channel, Our Life…on a Budget , where she vlogs about getting out of debt and staying there! This is where we cut out any extra spending, such as personal money and clothing money, as well as trying to cut our grocery budget for the month, and add the money we saved to the debt payment.

Debt 100

Debt Debt Free Budgeting Budget 100

Family Balance Sheet

JANUARY 17, 2018

However, we could use a year of extra thriftiness to find any extra funds to accelerate the $10k. What We Won’t Give Up: My motto has always been “living well on less” and now it will be “living well on (even) less”. Save a starter Home Emergency Fund. The Guidelines for 2018: 1. Be Exceptionally Frugal.

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Financial Goals Goals 2018 Debt 113

Family Balance Sheet

FEBRUARY 3, 2016

She helps readers gain control of their finances and live well on a budget at her blog Cook with a Shoe . T he other thing to find more money towards debt was simply picking up more work. Find your Why. The next goals in line would be to build up a 3 month emergency fund and save enough money to replace my car.

Debt 100

Debt Debt Free College Finds 100

Family Balance Sheet

MAY 27, 2015

But I do realize some things happen that we don’t plan for as well. We made a plan and it ended up being God’s will as well. We’re now on Baby Step #7 (building wealth, which includes college funding). Make sure to have an emergency fund so you’re not put back into debt when something comes up.

Debt 100

Debt Debt Free Pay Off Debt Finds 100

Savings Corner

DECEMBER 24, 2023

Homeowners should consider the size of their emergency fund, as well as whether they would prefer to pay more to transfer additional risk and limit unexpected costs. It is important to find an independent agent that has relationships with multiple insurers, as this will enable a homeowner to compare multiple different companies.

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Homeowner Insurance Insurance December Emergency Fund 52

Family Balance Sheet

JUNE 22, 2020

We had been renting for over 10 years and we were ready to find a property to move our business to and eventually build our net worth. Our business was doing very well, and we were excited about the opportunity to own a property outside of our home. Everything looked great on paper.

Debt 130

Debt Health Insurance Insurance Budgeting 130