Family Balance Sheet

OCTOBER 13, 2014

Welcome to 31 Days to Organize Your Finances. We’ll talk about cash flow, budgets, debts, and all of the nitty gritty of our finances that might not be fun to talk about, but are so important to discuss. Once your finances are in order, your goal should be to increase that number to: three months of living expenses? Six months?

Emergency Fund 100

Emergency Fund Finance Organic Organization 100

Savings Corner

DECEMBER 25, 2023

Opportunity: A course can deliver an excellent income stream, because you make money easily after the initial outlay of time. And to make good money from it, it has to be great. If you don’t take the time to learn how to make it a profitable venture, you could lose your investment and then some, says John H.

Money 52

Money Making Real Estate Rent 52

Prairie Eco-Thrifter

JUNE 14, 2012

Take personal finances, for example; too many people over-think their finances, with the result that it all seems too hard. So we just give up on trying to control expenditure and saving. Make your mantra, ‘ Keep it Simple ’. The more complicated your finances are, the harder it all seems.

Simple 221

Simple Finance Budgeting Budget 221

Family Balance Sheet

OCTOBER 15, 2021

Right before the pandemic started, I opened 529 College Savings Accounts for our daughters. My oldest was in eighth grade and one of my goals for 2020 was to start saving consistently for both daughters’ college education. We want to assist them in financing their college years and we needed to make some progress.

College 130

College Used 2020 Saving 130

The Frugal Girl

MARCH 4, 2024

I learned to save money by watching my parents. (I I still remember saving my change as a kid so I could “shop” for books at yard sales.) Although my parents never specifically taught me about finances, they lived a frugal life by necessity. Now I wish those dollars had gone into our savings accounts.

Green And Frugal 175

Green And Frugal Kids and Family Hotel Frugal 175

Penny Pinchin' Mom

FEBRUARY 16, 2024

I’m talking about how to earn, save, invest, and ultimately make your money work for you. Do you have a retirement plan or a healthy savings account? It’s yet another way of making sure that they (and you) are going to be financially okay in the future. You need to know what to do with money!

Money 52

Money Insurance Debt Bulk 52

The Frugal Girl

DECEMBER 11, 2023

Last year, to make a little extra cash, I started boarding dogs through Rover, and I am about to start a very very part time job using my RN license for a home care company. It’s not cheap but it’s a great tradition and it makes it such a special time of year. Fancy haircuts, color, etc. That is a never-ending list!

Money 190

Money Kids and Family Frugal Parenting 190

Prairie Eco-Thrifter

JANUARY 1, 2013

A financial advisor told me recently that the thing that really made him upset was that nearly every new client he spoke to was making the same disastrous personal finance mistakes. We don’t intentionally make mistakes but sometimes we cannot see any way out of our current position. That was me, at any rate.

Emergency Fund 272

Emergency Fund Credit Cards Personal Finance Finance 272

Prairie Eco-Thrifter

SEPTEMBER 28, 2014

As the time passed, I was able to figure out ways to save more money and stay on top of my finances. Extra Income Goes Into Savings. I put $25 per paycheck into my savings account every second Friday. If you sold something, for instance, on Craigslist for $30, put that into your savings right away.

Building 225

Building Emergency Fund Money Savings Account 225

Prairie Eco-Thrifter

APRIL 25, 2011

The key is to invest the time to teach your kids the right ways to manage their finances. Teach them actionable methods and strategies that will help them learn all of the ropes of personal finance. They would be responsible for making payments on their bill out of the money that they have been allotted. Don’t make this mistake.

Bills 174

Bills Finance Budget Budgeting 174

Savings Corner

DECEMBER 24, 2023

The seamless experience between viewing an IRA alongside other Bank of America products (like home loans, savings accounts, and CDs) can be appealing for IRA investors seeking a simple, unified perspective on their finances. That can make the broker less ideal for beginning investors who don’t have a lot of capital.

December 52

December Bank of America Bank Banking 52

Penny Pinchin' Mom

FEBRUARY 16, 2024

How much of that do you have saved up as we speak? The simple truth is that not many people have enough money saved up to buy a car. That’s why a vast majority of us go the financing route. If you do choose to go for the pre-owned option, you will be saving yourself a bit of money! Never zero, but minimized.

Car 52

Car Cars Bank Banking 52

Family Balance Sheet

AUGUST 11, 2016

.” Recently Go Banking Rates conducted two studies on savings rates with startling results. Almost 70% of Generation X have less than $1000 in personal savings account. *. of Generation X report a retirement savings account balance of $0.**. of Gen X report they have saves less than $10,000 for retirement.**.

Emergency Fund 100

Emergency Fund Money Finance Debt 100

Prairie Eco-Thrifter

MAY 26, 2016

Helping the parents teach my grandchildren to save is an ongoing project of mine. Each year I bring them together in my Grandma Rie’s Money Camp and focus on different aspects of personal finance, with saving being a focus in each camp. Trepidation about having the grand-kids open a savings account.

Money 124

Money Saving Money Lowes Grandchildren 124

Penny Pinchin' Mom

DECEMBER 17, 2023

You are one emergency short of losing track of your finances. If you are confused about whether you should pay off debt or save, you are not alone, although everyone’s financial situation is different. Before I took up my Financial Reboot journey, I was more focused on growing my savings accounts as opposed to paying off debt first.

Pay Off Debt 52

Pay Off Debt Debt Emergency Fund Financial Goals 52

Prairie Eco-Thrifter

JULY 30, 2012

If you can understand the concept of making small choices, on a regular basis, in order to achieve big gains in the future, it becomes easy to change this mindset. The future isn’t going to take care of itself; you have to take action regularly to make sure you can continue to live the way you want, for your whole life. and follow it?

Debt 202

Debt Budgeting Budget Finance 202

Penny Pinchin' Mom

MARCH 11, 2024

Having to deny yourself the instant gratification that comes with spending the money at hand calls for incredible mental fortitude; this is especially true in the era of “Insta-life,” where everyone wants it now, and Instagram models make their lives look so glamorous. Start Using Cash This is a wonderful way to save money.

Saving Money 52

Saving Money Money Saving Credit Cards 52

Prairie Eco-Thrifter

SEPTEMBER 5, 2019

Most of the time, making a significant difference to your financial situation is a process that takes consistent effort, and time. However, you can make a few changes that will help you to move in the right direction. When you can’t see the extra money sitting in your bank account, you’ll be less likely to spend it.

Bills 113

Bills Money Bank Banking 113

Prairie Eco-Thrifter

DECEMBER 6, 2012

Cut coupons, go grocery shopping when your items are on sale, and you will save money. This is not to say you should turn into an extreme couponing person, although if you can make it happen, more power to you. This will help you save money, especially when you take a look at the prices of food today. Saving money is essential.

Bank 265

Bank Banking Money Saving 265

Savings Corner

DECEMBER 24, 2023

Key takeaways A personal loan is money you can borrow to finance large purchases, consolidate debt, invest in yourself or cover emergency expenses. Common reasons include paying off debt, financing a large purchase such as a vehicle or a boat, or covering the cost of a major expense like a wedding or a home renovation.

Debt 52

Debt Credit Cards Credit College Tuition 52

Family Balance Sheet

APRIL 6, 2015

When you’re informed, you’ll be able to make better decisions when it comes to tax-advantaged investments, like retirement, health savings accounts, and educational savings accounts. But it is SO important to take the time to learn how one affects the other.

Taxes 100

Taxes Education Re-use Tools 100

freestuff.tv

MAY 18, 2011

Check out this guest post by Angela from Debt Consolidation Care: It needs no mention that budgets and savings play a pivotal role in assisting consumers in paying off debt. Through a budget they can monitor their investment and make the most of their hard-earned dollars. Make sure you buy only the things that you can afford with cash.

Budget 130

Budget Budgeting Debt Debt Free 130

Prairie Eco-Thrifter

OCTOBER 7, 2014

When it comes to you finances, are you doing okay, but know you could be doing better? Lots of little changes can add up to big results, like a fatter savings account, more contributions to retirement funds , the means to do really cool stuff and just greater peace of mind. When making one, remember to be realistic.

Money 113

Money Goals Budgeting Budget 113

Prairie Eco-Thrifter

AUGUST 19, 2012

Consider it insurance and don’t fret that it’s only earning measly interest in a savings account. Change Your Behaviour It has been said that personal finance is 20% knowledge and 80% behavior. If so, now is the time to review your knowledge, habits and behaviors around money and finances. I’m sure everyone.

Emergency Fund 222

Emergency Fund Insurance Debt Credit Cards 222

Savings Corner

DECEMBER 24, 2023

Because a personal loan is unsecured, there are no assets at risk, making it a good option for a debt consolidation loan. Credit card balance transfers Transferring your debt to one credit card, known as a credit card balance transfer , could help you save money on interest. Getting an unsecured card ensures you won’t risk any assets.

Debt 52

Debt Calculators Credit Cards Credit 52

Prairie Eco-Thrifter

APRIL 6, 2012

Wayne presents Purpose of Budgeting posted at Young Family Finance , saying, “Are you left wondering why you should budget? Justin presents Know the Common Mistakes with Your Personal Finances posted at Budget Snob , saying, “Many people make the same financial mistakes. The Skilled Investor , Editor.

Money 133

Money Finance Personal Finance Real Estate 133

Family Balance Sheet

MARCH 15, 2017

Instead I’m writing about my family’s experience with traditional health insurance and how it has affected OUR finances. We did take advantage of one benefit of a high deductible health plan: a Health Savings Account. This post is not meant to be taken in a political way. What did we decide to do?

Health Insurance 100

Health Insurance Insurance Health 2003 100

Prairie Eco-Thrifter

NOVEMBER 25, 2012

We read that we should make our money work for us but worry about making a wrong decision that could actually cost money rather than make us money. In this article we will look at the pros and cons of saving and investing, as well as reducing debt, as a means of gaining financial security. Save or invest?

Money 189

Money Debt Refinancing Credit Cards 189

Family Balance Sheet

MARCH 26, 2021

Create a separate savings account and call it your Emergency Fund. Be diligent about how you use this account. It might be best to use an account that isn’t linked to an ATM card, thus making it somewhat annoying to reach the funds, but not difficult when you do actually need them. Where Should the Money Go?

Emergency Fund 130

Emergency Fund Building 2007 Credit Cards 130

Prairie Eco-Thrifter

MAY 22, 2011

Some families find it feasible to make drastic cuts to non essential expenditures such as entertainment, dining out, and vacationing. Use a savings account to pay down debts. Once you have devised a monthly budget, you can properly account for household income and expenditures. Pick a plan that works for you.

Debt 157

Debt Recession Unemployment Budget 157

Family Balance Sheet

JANUARY 24, 2012

We have our 2011 tax meeting this week with our accountant. Honestly, he is worth his weight in gold; the tax rules make my head spin. I do pass this folder along to my accountant for his review. This is a personal blog about my thoughts, experiences and ideas on personal finance and home mangagement.

Office Supplies 153

Office Supplies Taxes Office Simple 153

Family Balance Sheet

MARCH 17, 2017

This is my honest opinion so far and I will be making updates through out the year. At the end of 2016, our finances were affected in such a dramatic way by health insurance that my husband and I made a very deliberate decision to leave the traditional model for a very non-traditional and somewhat unknown option: health cost sharing ministry.

Health Insurance 164

Health Insurance Insurance Health Bills 164

Savings Corner

DECEMBER 25, 2023

Investing in the financial markets might sound like one of the scariest parts of managing your finances, but it’s also potentially the most rewarding. A savings account just won’t build wealth. That makes investing one of the best things that Americans of any age can do to get on the road toward financial well-being.

Taxes 52

Taxes Growing Money College Tuition 52

Family Balance Sheet

FEBRUARY 11, 2016

Create a separate savings account and call it your Emergency Fund. Be diligent about how you use this account. It might be best to use an account that isn’t linked to an ATM card, thus making it somewhat annoying to reach the funds, but not difficult when you do actually need them. Where Should the Money Go?

Emergency Fund 100

Emergency Fund Building 2007 Credit Cards 100

Prairie Eco-Thrifter

JANUARY 30, 2013

Know where these items are, and make sure other family members know as well. Make sure that you understand escape routes from the house, and that you drill family members on how to get clear of the house, and where to meet. Broken water and gas mains can make an already difficult situation intolerable — and even more dangerous.

Emergency Fund 211

Emergency Fund Job Loss Transportation Staying Warm 211

Family Balance Sheet

FEBRUARY 22, 2011

Three to six months living expenses used to be what the personal finance experts recommended, but in today's environment, maybe six months to a year is more prudent. In 2007, we used about 6 months worth of living expenses and our savings came very close to drying up, so saving one year's worth of living expenses might be more wise for us.

Emergency Fund 127

Emergency Fund 2007 Personal Finance Debt 127

Prairie Eco-Thrifter

FEBRUARY 3, 2016

While my spouse and I were in the throes of child rearing we didn’t think much about providing an intentional or structured set of lessons around personal finance. And they will see that you put money aside in savings. Encourage them to save. Take them to the bank and let them see you make your deposits.

Work 100

Work Kids Bank Banking 100