Penny Pinchin' Mom

JANUARY 16, 2024

Have Specific Financial Goals Financial planning is the key to financial success. You need to have very specific financial goals; what do you need to achieve by which date? Again, you’re not alone with this problem. ” Have Money Buddies Teamwork almost always makes the dream work.

Personal Finance 52

Personal Finance Finance Tips Finance Mom 52

Family Balance Sheet

JANUARY 17, 2018

Did you make 2018 financial goals ? My husband and I discussed some ideas over our holiday break and we decided on 2 solid must-achieve financial goals for the year. If we complete them early, we’ll move on to 2 additional goals that are on our radar. This will take us most of the year.

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Financial Goals Goals 2018 Debt 113

Family Balance Sheet

AUGUST 6, 2022

We’ve seen higher grocery and fuel bills lately, so we’re upping our frugal game to help the budget. Our financial goals are still important to us and we want to hit them regardless of the rising prices. To save time during the week, I make the salad and chop the fruit on Sunday nights. Got Bacon Fat?

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July Frugal Credit Cards Donation 130

Family Balance Sheet

MARCH 11, 2021

If your winter was as long and cold as mine, then you’re also looking forward to opening windows, breathing in the fresh air, and soaking up the sunshine. Do our goals still make sense now that we’re in the trenches of the new year? Take some time to review your yearly financial goals.

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Finance Cleaning Goals Insurance 130

Family Balance Sheet

MARCH 12, 2015

If your winter was as long and cold as mine, then you’re also looking forward to opening the windows to fresh air and plenty of sunshine. For some reason those open windows awakens our need to spring clean, so take this time to get your financial house in order too. Review your Yearly Goals. method when you wrote them?

Finance 100

Finance Cleaning Financial Goals Goals 100

Family Balance Sheet

JULY 10, 2023

My goal has always been to live well on less while achieving our big financial goals. 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. For more info, read: How We’re Saving for College with Upromise.

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Frugal June Flights CD 100

Family Balance Sheet

OCTOBER 16, 2017

The spreadsheet listed our short-term and long-term account balances, our debts, and our short-term and long-term financial goals. I STILL use our spreadsheet today. We are working towards some pretty big financial goals and we’ve hit quite a few already. Our goal: Increase Net Worth.

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Family Financial Goals Debt Calculators 100

Family Balance Sheet

JUNE 17, 2018

We used gift cards on 3 nights, ate leftovers on 1 night, and grilled burgers on the last night. One of the gift cards was given to us TWO years ago for Christmas. The restaurant isn’t exactly kid-friendly and we were waiting for the right time to use. These wristlets were never used. We want to be debt free.

Home and Garden 100

Home and Garden Financial Goals Friends And Family Sale Gardening 100

Family Balance Sheet

SEPTEMBER 22, 2017

I’ve recently re-started the series, What We Ate this Week on our Budget , because I missed the accountability and I had several readers ask for its return. It’s a tight budget and I failed miserably over the summer, but we have lots of financial goals, so I need to get it back in line. How I Use Pinterest for Meal Planning.

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Budgeting Budget Financial Goals Tacos 100

Family Balance Sheet

JANUARY 8, 2020

ALSO our 2019 Financial Goal!). The last loan was his student loan and I wanted him to make that final payment. That book has changed my outlook on reusing, recycling, making do, and rethinking one use products. The post My 2020 Financial Goals & A Recap of 2019 appeared first on Family Balance Sheet.

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Financial Goals Goals 2020 2019 130

Family Balance Sheet

SEPTEMBER 8, 2017

I’ve recently re-started the series, What We Ate this Week on our Budget , because I missed the accountability and I had several readers ask for its return. It’s a tight budget and I failed miserably over the summer, but we have lots of financial goals, so I need to get it back in line. We ate leftovers.

Budgeting 100

Budgeting Budget 2017 Home and Garden 100

Family Balance Sheet

SEPTEMBER 29, 2017

I’ve recently re-started the series, What We Ate this Week on our Budget , because I missed the accountability and I had several readers ask for its return. It’s a tight budget and I failed miserably over the summer, but we have lots of financial goals, so I need to get it back in line. How I Use Pinterest for Meal Planning.

Budgeting 100

Budgeting Budget Homemade Financial Goals 100

Family Balance Sheet

OCTOBER 13, 2017

It’s a tight budget and I failed miserably recently, but we have lots of financial goals, so I need to get it back in line. Wednesday: I used the Instant Pot to make meatloaf and mashed potatoes. What did you make this week that your family enjoyed? How I Use Pinterest for Meal Planning.

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Budgeting Budget Leftovers Financial Goals 100

Savings Corner

DECEMBER 24, 2023

Bankrate’s AdvisorMatch can connect you to a CFP® professional to help you achieve your financial goals. Here’s what financial planning is all about and what you need to know to get started. What is a financial plan? These are some of the largest issues when it comes to financial planning.

Goals 52

Goals Debt Taxes Insurance 52

Family Balance Sheet

AUGUST 21, 2020

However, knowing your numbers will help you determine and make a plan for the messiness. My Excel spreadsheet listed our short-term and long-term account balances, our debts, and our short-term and long-term financial goals. I STILL use our spreadsheet today. You could also use a recent appraisal.

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Family Debt Finance Kids and Family 241

Family Balance Sheet

APRIL 30, 2015

In 2015 I’m challenging myself to rethink purchases by taking advantage of more cost effective solutions like borrowing, buying second hand, or just making do with what we already have. We have some hefty financial goals this year and this is just one more way for me to squeeze more from our budget.

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Thrifting April Thrift Stores Financial Goals 100

Family Balance Sheet

APRIL 2, 2022

I want to make sure we have time to squeeze everything in and the funds to do it all. This info will help you make plans for next year. Swap with another family who could use a date night too. We used to live near a trail that was very shaded and had picnic tables along the path. Need some summer cash? 40 Summer Desserts.

Budgeting 130

Budgeting Budget Friends And Family Sale Home and Garden 130

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.

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Debt Debt Free Pay Off Debt Financial Goals 236

Prairie Eco-Thrifter

DECEMBER 31, 2012

Your first step when setting a goal is to choose something that matters. Think about what would really make a difference in your life — and perhaps in the lives of others. You will be more likely to stay on track with your goals if you take the time to choose something that matters to you in the long run. Break It Down.

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Goals Financial Goals Work Re-use 230

Prairie Eco-Thrifter

JANUARY 15, 2013

Neither of these men is what most of us would call “poor.” ” They make good money. In both cases, the drive is to maintain an image, and financial security isn’t important at all. They’d rather live as though they’re rich, and have others think they’re wealthy, than make changes.

Debt 274

Debt Wedding Money Financial Goals 274

Family Balance Sheet

SEPTEMBER 15, 2017

I’ve recently re-started the series, What We Ate this Week on our Budget , because I missed the accountability and I had several readers ask for its return. It’s a tight budget and I failed miserably over the summer, but we have lots of financial goals, so I need to get it back in line. How I Use Pinterest for Meal Planning.

Budgeting 100

Budgeting Budget Freezers Kids and Family 100

Family Balance Sheet

NOVEMBER 18, 2016

It’s Frugal Friday: A recap of how we frugal-ed our way through the week so that we have more money to put towards our financial goals. Even if you’re not hosting a big gathering, buy them. And at that price, it’s an easy way to make a big impact by donating to your local food banks. Financial Resources: 1.

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Frugal Cheap Fridays Win 100

Family Balance Sheet

APRIL 9, 2021

He makes it really simple and you should Google it if you haven’t heard of his steps. We chose the name, Our Debt Freedom Plan , and we referred to it often when we needed to make financial decisions. Something happens mentally when you WRITE down your goals and plans for execution. He calls it his 7 Baby Steps.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Family Balance Sheet

APRIL 1, 2021

Make it a game and be creative when looking for money within your budget and finding new ways to earn extra money. It sounds dreadful, but it is possible to reduce your grocery bill without making everyone in your family miserable. For ideas, read: 5 Make-Ahead Breakfast Ideas. Related Reading: Make meal planning a priority.

Emergency Fund 130

Emergency Fund Money Finds Friends And Family Sale 130

Family Balance Sheet

JANUARY 5, 2018

Aside from a health concern with one of my daughters , 2017 was a great year, however, I was distracted by non-necessities, so my overall theme for 2018 is to use my time more wisely on the people and things that are important to me. These are just my personal goals. Update financials. I have a confession to make.

Goals 100

Goals 2018 Motivation Kids and Family 100

Prairie Eco-Thrifter

JULY 31, 2014

Was it the time you were able to save up and pay for something, or the time the re-possessor came around and took that car back? Was it the times you were flush with money or the times you were dirt poor and had to make do? Set new financial goals for yourself. No one likes painful situations, but they can be useful.

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Debt College Student Money 167

Prairie Eco-Thrifter

JANUARY 13, 2011

Author Bio: Sustainable PF writes with his wife, Mrs. SPF out of Ontario, Canada, at Sustainable Personal Finance where they discuss and explore the fine balance between their personal financial goals and their lifestyle and beliefs regarding sustainable living. You also end up with a freezer full of easy to re-heat meals.

Food and Drink 147

Food and Drink Re-use Home Drinks 147

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

JANUARY 13, 2011

Author Bio: Sustainable PF writes with his wife, Mrs. SPF out of Ontario, Canada, at Sustainable Personal Finance where they discuss and explore the fine balance between their personal financial goals and their lifestyle and beliefs regarding sustainable living. You also end up with a freezer full of easy to re-heat meals.

Food and Drink 133

Food and Drink Re-use Home Drinks 133

Saving Cents With Sense

APRIL 25, 2013

They’re even free. You have to actually use them. This secure service doesn’t cost a dime, and it can automatically organize and track your spending, display all of your financial information in one easy-to-read place, and help you stay on track to hit your financial goals. What’s the catch?

Money 75

Money Financial Goals Saving Phones 75

Family Balance Sheet

FEBRUARY 16, 2016

We use an online account like, Capital One 360 (my referral link). Read 11 Simple Menu Planning Tips to learn how to reduce your grocery bill without making everyone in your family miserable. If you find yourself hitting the drive thru on your way to work, start making your breakfast and brewing your coffee at home.

Emergency Fund 100

Emergency Fund Money Finds Friends And Family Sale 100

Family Balance Sheet

OCTOBER 9, 2014

Today, we’re going to analyze those numbers and challenge ourselves to improve them. It is my personal mission as the household manager for my family to live well, but I want us to do so on less money. I want my family to enjoy life, but we also have some pretty serious financial goals that we are trying to achieve.

Budgeting 100

Budgeting Budget Finance Organic 100

Savings Corner

DECEMBER 24, 2023

Doing so will empower you to make the best decisions for your family — and your wallet. Get started: Define your personal and financial goals. These are all important to help define the goals they would like to meet.” “These are all important to help define the goals they would like to meet.”

Real Estate 52

Real Estate Buy Buying Credit 52

Family Balance Sheet

AUGUST 5, 2015

Hi, We’re the Gann Fam! He was always trying to put us on budgets, help us look for ways to save and not spend so much but we never found a system that worked for us and continued in spending behaviors that didn’t help advance goals. It helped us see debt go down and excited us to see progress!

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Debt Debt Free Finds Finance 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.

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Debt Debt Free Friends And Family Sale Budgeting 100

Family Balance Sheet

JUNE 8, 2018

Personally, budgeting has allowed us to control of our money, reach financial goals, and start planning for our dream life. I discovered the term, Zero-Based Budget, when my husband and I took Dave Ramsey’s Financial Peace University home course many years ago. We have been using this system ever since.

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Budgeting Budget Financial Goals Goals 133

Family Balance Sheet

JULY 13, 2016

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. We looked around and saw people making 4x what we made, but they were upside down too… So we said there has to be a better way. Making 100k but living on 50k.

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Debt Debt Free Finds Home 100