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Time Is Money. Or Is It?

Prairie Eco-Thrifter

If time is money, then people who work more hours should make more money. Time is only money if that’s how you chose to structure your income, around an hourly rate. To escape the time is money paradigm, you have to be willing to be paid based on results rather than hours.

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How to Make Good Financial Decisions

Prairie Eco-Thrifter

To get ahead in life, you need to make more good decisions than bad. Good decisions can result in your ability to get a better job, make more money, save more money, invest for gain and other steps that help you end up in financial plus land. Using common sense. More thinking, less feeling.

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Find out How Drew & Farrah Paid off $200k of debt, including their HOME

Family Balance Sheet

Once we got married we realized we have great jobs and a great income, but where is all the money going? We knew that we would make more money but we wanted to be able to buy a house with a conventional mortgage and we can’t come up with the down payment so we need to ratchet down. Example, Farrah would want a pedicure.

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Things to Consider Before Investing in Real Estate

Prairie Eco-Thrifter

Know beforehand if you plan on making money off your real estate via rent or capital gains. Will I make more money off of rent, or more money off of the increase of the value of the land? Chances are, when you invested in the piece of real estate, you used a mortgage.

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25 Ways to Find Money for Your Emergency Fund

Family Balance Sheet

Now go through the list and really ask yourself if you use or need all of it. If you’re not using it, cancel it today and redirect that monthly money into your emergency savings. However, if you do use it , ask your gym if they swap volunteer hours for a free membership. Add it up to get a total.

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25 Ways to Find Money for Your Emergency Fund

Family Balance Sheet

Consider setting the money aside in a savings account that isn’t immediately accessible and doesn’t have an ATM attached to it, to avoid any impulsive non-emergency spending. We use an online account like, Capital One 360 (my referral link). You never know when you will need this money. What is your craft?