Prairie Eco-Thrifter

NOVEMBER 17, 2018

It’s easy to lose hope, particularly when money is tight and you’re desperate to find a new job, but it’s important not to let the strain of the experience get to you. Remember, it’s important to make sure that you and your partner have a plan in place to repay the loan before you sign on the dotted line.

Hunts 138

Hunts Emergency Fund Re-use At&T 138

Family Balance Sheet

AUGUST 11, 2016

They’re taking a gap year between high school and college. We’re struggling with it all too. But for our own safety net, we must make our finances a priority. If you’re married, you MUST do this with your spouse.) Use my Family Balance Sheet excel spreadsheet to help you organize your finances.

Emergency Fund 100

Emergency Fund Money Finance Debt 100

Family Balance Sheet

JULY 10, 2023

My plan is to use this cash first as it will come to term around the same time we will need to make the first college payment. I also opened another Capital One 360 account for our emergency fund that was also sitting in a zero-interest savings account. In total, we have made $250 in interest since April.

Frugal 100

Frugal June Flights CD 100

Family Balance Sheet

MAY 21, 2021

Did you make a goal to pay off debt this year? It took us years to pay it all off, but we achieved it in 2019. I couldn’t imagine making the monthly payments for the full term of the loans, so I concocted an idea to pay them off early and wrote our Debt Freedom Plan. 2 – Create your Debt Freedom Plan.

Debt 130

Debt Goals Debt Free Pay Off Debt 130

Prairie Eco-Thrifter

MAY 25, 2014

These are lessons that I try to impress upon my son because I don’t want him to make the same mistakes I made 15 years ago. My rewards credit cards were feeble, and I didn’t have a plan for using them. But you’re not being as smart or effective with your money as you could be.” Money Tips'

Money 209

Money Giving Las Vegas Credit Card Rewards 209

Family Balance Sheet

APRIL 30, 2014

We don’t want to make our families miserable with bland meals, boring snacks, and not enough food in the house, but we must stay on budget. April Wins : By using the same strategies from March , I was able to stay within our grocery budget of $450. And what are your emergency meals that you always have on hand?

Budgeting 100

Budgeting Budget Groceries Grocery 100

Prairie Eco-Thrifter

MAY 27, 2012

To help you identify where you might be going wrong, we’re going to look at some of the more common financial mistakes people make. 10 Reasons Why You’re Broke If you always seem to have more month than cash, then it’s time to look at why. The second step is to make some changes. What about signs?

Emergency Fund 212

Emergency Fund Credit Cards Budgeting Budget 212

Family Balance Sheet

MARCH 19, 2014

But I personally don’t want to be any body’s slave and the total debt payment we make every month is astounding. Using Dave Ramsey’s 7 baby steps, we created our Debt Freedom Plan. I refer to it often when we need to make financial decisions. Unfortunately they’re not cheap.

Debt 100

Debt Money Emergency Fund Goals 100

Prairie Eco-Thrifter

OCTOBER 26, 2014

There’s no point in using more money than you need to. Make a list of all of the family and friends you buy for and how much you usually spend. Can you make any presents? If you don’t have a lot of cash, making presents can be the way to go. First, do you have time to make homemade Christmas presents?

Holiday 169

Holiday Emergency Fund Homemade Eating Out 169

Saving Cents With Sense

MAY 26, 2014

The first thing you should determine when making a financial plan is your goals. Income should include all funds from paychecks, government assistance, annuity payments and so forth. Build a Budget & Emergency Fund. Based on this information, make a budget. This site uses affiliate links.

Emergency Fund 71

Emergency Fund Goals 2008 Debt 71

Prairie Eco-Thrifter

JANUARY 22, 2012

They’re great at giving advice on stuff like frugality, extra income, budgets and emergency funds, but most lack in the area of investments. But, the good news for everyone reading is that products exist that make investing incredibly easy. Let’s start with mutual funds. Exchange Traded Funds.

Finance 187

Finance Emergency Fund Re-use Simple 187

Prairie Eco-Thrifter

FEBRUARY 4, 2014

When I was younger, I used to think that a higher income was the solution to most of my financial issues. We make plenty!” So we re-jiggered our finances so that we only spend on things that we really enjoy, and that are really important to us. However, this isn’t always the case. I like travel.

San Francisco 248

San Francisco Emergency Fund Money Utah 248

Prairie Eco-Thrifter

OCTOBER 24, 2013

Some think that a home makes a good investment. There are those who believe that a home doesn’t make a particularly good financial investment, but that it can be a great emotional/personal investment. Buying a home can provide a safe, stable, and personal space that your family can use as a haven. An emergency fund?

Buy 217

Buy Buying Debt Emergency Fund 217

Family Balance Sheet

SEPTEMBER 9, 2014

We live in metro Phoenix, in a 70s tract house that we’ve been gradually re-doing. For example, it took us about 3 years to pay off a combined $17,000 in credit card debt, but later we managed to pay off twice as much in 3 years on about the same income. Your money stays yours, so you can make it work for you.

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Penny Pinchin' Mom

JANUARY 16, 2024

Again, you’re not alone with this problem. ” Have Money Buddies Teamwork almost always makes the dream work. Find yours and use it to make extra cash. How much money do you want to send to your retirement account by the end of the year? The trick is to pay close attention to the interest rates.

Personal Finance 52

Personal Finance Finance Tips Finance Mom 52

Prairie Eco-Thrifter

AUGUST 15, 2012

Then, make a list of what you want to include. I know that, technically, we’re supposed to store wheat. However, right now we don’t grind down wheat to use in our regular meals. Make a list of the items you want in your food storage, from frozen items to canned goods, to dried fruit.

Storage 229

Storage Building Home Bank 229

Prairie Eco-Thrifter

NOVEMBER 30, 2014

The proverbial saying ‘money doesn’t grow on trees’ is used by many a parent in denying some wished for item to their children. You have to plant it, feed it, water it and care for it to make it grow big enough to notice. We don’t panic because we know we can make do with out the investment money.

Virginia 160

Virginia Money Real Estate Growing 160

Prairie Eco-Thrifter

OCTOBER 20, 2014

After all, there may still be useful life left in it, no reason to trash it just because one little thing goes wrong. I bought some ice cube trays and now make ice once a day in them. I love that ice maker and making ice every day is a royal pain. Good thing we have that emergency fund because this won’t be cheap to fix.

Saving Money 162

Saving Money Money Saving Emergency Fund 162

Family Balance Sheet

FEBRUARY 2, 2017

His 2017 goal is to make $100,000 in online income. They’re still working on developing their goals for 2017. Make a commitment. . Making financial goals can be intimidating, but make a commitment to START…and continue on to the next step. Make it visual. M = Make it MEASURABLE.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Prairie Eco-Thrifter

OCTOBER 15, 2011

How is it possible that a couple making $200K don’t know where $60K is going every year? Live Real, Now: Make Extra Money, Part 6: Setting Up a Site In this installment of the Make Extra Money series, LRN is going to show you how to set up a WordPress site. Personal Finance Whiz : What Is An Emergency Fund?

October 200

October 2011 Finance Personal Finance 200

Prairie Eco-Thrifter

MAY 6, 2016

Digging into this formula investment technique (which is similar to dollar cost averaging), led me to the re-discovery of multiple other types of formulas and techniques which are supposed to help us make our money grow. What are some of the methods used for investing? Stock picking formulas.

401K 100

401K Money Emergency Fund Goals 100

Family Balance Sheet

JANUARY 20, 2017

When my husband and I got married, we were making hardly any money. working full time at a low-paying job and going to grad school full time, while my husband was working multiple jobs just to help us make ends meet. we still weren’t making enough money to cover all of our monthly bills. strict budget. towards debt.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Family Balance Sheet

SEPTEMBER 29, 2016

We’re typical Canadians that spend most of our free time in the fall and winter months inside arenas. Now we had yet another payment to add to the mix, and I honestly didn’t know how I was going to make it all work. We used (and currently still follow) Dave Ramsey’s Baby Steps.

Debt 100

Debt Debt Free Budgeting Budget 100

Prairie Eco-Thrifter

MAY 26, 2016

But, with each of the above, you lose the use of that money and often have little chance of even getting it back, let alone making it grow. We could take on debt to grow using other people’s money. Using a student loan to get educated or re-educated in a new (presumably higher paying) field could also be a sure thing.

Money 124

Money Saving Money Lowes Grandchildren 124

Family Balance Sheet

JANUARY 17, 2018

Did you make 2018 financial goals ? Shame on us for dragging our feet on this for too long. Shame on us for dragging our feet on this for too long. We blew through our health savings account, and now need to save another $10k so we’re not caught off guard if another emergency were to happen.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

The Frugal Girl

JANUARY 29, 2024

We’re meeting an Arkansas reader today and initially, I thought she was the first one! Tell us a little about yourself Greetings from the NW corner of Arkansas, where I was born (around 40+ years ago) and raised. We use the eggs, harvest meat & if I can’t get out to hunt venison we’ve had friends give us meat.

Arkansas 182

Arkansas Frugal College Kids and Family 182

Savings Corner

DECEMBER 25, 2023

A down payment is the cash you pay upfront to make a large purchase, such as a home. You use a loan to pay the rest of the purchase price over time. You may have heard that you need to make a 20% down payment on a home, but that’s really just the threshold many lenders use for requiring mortgage insurance on a conventional loan.

Insurance 52

Insurance Home Refinancing Money 52

Family Balance Sheet

JUNE 22, 2020

With that much debt, we needed some go big or go home heavy hitters that would make a big impact on debt reduction. We started with 5 loans and paid the smallest loan off first while making the minimum payments on the other 4 loans. We’re no spring chickens, so in November 2016, we started contributing again to our retirement.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Family Balance Sheet

JUNE 8, 2018

We have been using this system ever since. I highly suggest using a separate paper calendar from your normal planner to eliminate any confusion. Also color coding will be helpful as this is a visual exercise, and you will be using all of this info in the upcoming steps. How to Start a Budget (and be successful at it!).

Budgeting 133

Budgeting Budget Financial Goals Goals 133

Prairie Eco-Thrifter

JANUARY 10, 2012

Some are even trying to take it to another level, by either making enough money on their blogs to be able to travel all the time, or regaling us with their tales of travel gone past. I want to use up all my holidays from work, as well as going on some random weekend road trips. Look at all the countries they’ve been to.

Travel 226

Travel Debt Finance Emergency Fund 226

Family Balance Sheet

FEBRUARY 10, 2017

This new strategy had us looking in the same direction with regards to our financial future and my husband was on board. We are using Dave Ramsey’s snowball method and I’m proud to say that since 2013, we’ve paid off 4 business loans totaling almost $75,000. Pay off the student loan, using the debt snowball method.

Debt 100

Debt 2017 Student 2016 100

Family Balance Sheet

OCTOBER 20, 2014

We’re going to use the zero based budget as a guide for our monthly spending plan. At this time, I do not have an excel spreadsheet for you to download, but I found an easy pdf for you to use– make a budget worksheet , or create your own excel budget, or just use paper, pencil, and calculator at this time.

Finance 100

Finance Organic Organization Budgeting 100

Family Balance Sheet

AUGUST 11, 2014

The company I had worked at for 12 years when I started my journey in January 2013, announced it would be making significant job cuts summer 2013. Use this to develop a budget & determine where you will cut back. (If Use cash system with envelopes for your over spending areas. Was there a particular event?

Debt Free 235

Debt Free Debt Mom Goals 235