Penny Pinchin' Mom

MARCH 11, 2024

Whether you are looking to save extra money for your emergency fund and potential unexpected expense, a new kitchen, or your kids’ college tuition—you name it—you will require self-discipline and a plan to reach any financial goal. You can start cutting out these expenses and see how much money you save. Believe me!

Saving Money 52

Saving Money Money Saving Credit Cards 52

Penny Pinchin' Mom

DECEMBER 17, 2023

The post The Age Old Question: Should You Pay Off Debt or Save? Should you pay off debt or save? So, you want to get started on debt repayment so you can focus on other financial goals? From a personal point of view, I much prefer living debt free. appeared first on Penny Pinchin' Mom.

Pay Off Debt 52

Pay Off Debt Debt Emergency Fund Financial Goals 52

Family Balance Sheet

JULY 25, 2019

On the 25th of every month from January to November in 2019, I will hold a virtual meeting on the blog to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. My monthly goal is $100. I had amassed $70 and thought it was a perfect addition to our Christmas account.

2019 113

2019 Club July Christmas 113

Family Balance Sheet

MAY 25, 2019

On the 25th of every month from January to November in 2019, I will hold a virtual meeting on the blog to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. My monthly goal is $100. I had amassed $70 and thought it was a perfect addition to our Christmas account.

2019 100

2019 Club Christmas May 100

Family Balance Sheet

JUNE 25, 2019

On the 25th of every month from January to November in 2019, I will hold a virtual meeting on the blog to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. My monthly goal is $100. In April, we received a small tax refund and I put $100 of our refund into our Christmas Savings account.

2019 100

2019 June Club Christmas 100

Family Balance Sheet

JANUARY 25, 2013

As outlined in the first post , your goal this past month was to create a budget for your Christmas spending. That final number will be your goal to save each month between now and November 25, 2013. I'm also offering FREE Christmas Gift & Spending Budget excel spreadsheet, click that link for more information.

Christmas 127

Christmas Club Goals Budgeting 127

Family Balance Sheet

JUNE 25, 2013

We''ve been working towards a goal of a cash Christmas since January and it''s not too late for you to join in. On the 25th of every month from January to November in 2013, I''m holding a virtual meeting for the Christmas Savings Club. If you are new, please read more about the Christmas Savings Club in the first post and join us.

June 100

June Club Christmas Goals 100

Family Balance Sheet

APRIL 25, 2019

On the 25th of every month from January to November in 2019, I will hold a virtual meeting on the blog to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. My monthly goal is $100. This number is the monthly amount you need to save between 4/25 and 11/25. Easy peasy!

2019 100

2019 April Club Christmas 100

Family Balance Sheet

MAY 25, 2013

On the 25th of every month from January to November in 2013, I''m holding a virtual meeting for the Christmas Savings Club. The goal for this monthly accountability meeting is to give updates on our progress, motivate one another and help all of us save for a cash Christmas. Our monthly goal is $100.

Club 100

Club Christmas May Goals 100

Savings Corner

DECEMBER 25, 2023

Our free calculator estimates your retirement nest egg based on your current retirement savings contributions and then calculates how it will stretch over your retirement in today’s dollars, taking inflation into account. Monthly contribution: This is the amount you save for retirement each month.

Calculators 52

Calculators Taxes Money Free 52

Prairie Eco-Thrifter

AUGUST 12, 2013

Once you’ve reached that goal and have a nice, healthy emergency fund in your bank, what do you do next? Here are some suggestions on what your savings focuses can be after you’ve met your goal: A Vacation. You may want to continue saving but also went to have a little fun with your money. Why not save up for a vacation?

Emergency Fund 200

Emergency Fund Debt Goals Money 200

Family Balance Sheet

JULY 25, 2013

On the 25th of every month from January to November in 2013, I''m holding a virtual meeting for the Christmas Savings Club. The goal for this monthly accountability meeting is to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. How did I do in July? Thanks for reading.

Club 100

Club Christmas July August 100

Family Balance Sheet

SEPTEMBER 25, 2019

On the 25th of every month from January to November in 2019, I will hold a virtual meeting on the blog to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. My monthly goal is $100. I had amassed $70 and thought it was a perfect addition to our Christmas account.

2019 100

2019 September Club August 100

Family Balance Sheet

JANUARY 31, 2020

I earned a free ham at my grocery store in December, so I baked it on New Year’s Day. I loaded up on their seconds and made my homemade sugar free applesauce. Related reading: How to Save Money on Groceries. How to Make Homemade Sugar-Free Applesauce. My goal was to eliminate all unnecessary spending.

January 130

January Frugal Green And Frugal Homemade 130

Family Balance Sheet

FEBRUARY 1, 2013

In an effort to find some extra money to fund our Christmas Savings Account , I'm doing a pantry challenge in February. My goal is to plan February's menu around what is currently in my pantry and freezer and fill in any needs at the store, but reduce my overall monthly grocery expenses. Have you ever done a pantry challenge?

February 100

February Freezers Goals Bills 100

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. Our 2 Main Financial Goals for 2018: 1 – Finish the will.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

Family Balance Sheet

OCTOBER 25, 2019

On the 25th of every month from January to November in 2019, I will hold a virtual meeting on the blog to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. My monthly goal is $100. I had amassed $70 and thought it was a perfect addition to our Christmas account.

2019 100

2019 October Club Christmas 100

Family Balance Sheet

APRIL 25, 2013

On the 25th of every month from January to November in 2013, I''m holding a virtual meeting for the Christmas Savings Club. The goal for this monthly accountability meeting is to give updates on our progress, motivate one another and help all of us save for a cash Christmas. Our monthly goal is $100.

April 100

April Club Christmas Goals 100

Family Balance Sheet

MARCH 25, 2013

On the 25th of every month from January to November in 2013, I'm holding a virtual meeting for the Christmas Savings Club. The goal for this monthly accountability meeting is to give updates on our progress, motivate one another and help all of us save for a cash Christmas. My monthly goal is $100.

March 100

March Club Christmas Goals 100

Family Balance Sheet

AUGUST 28, 2013

On the 25th of every month from January to November in 2013, I''m holding a virtual meeting for the Christmas Savings Club. The goal for this monthly accountability meeting is to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. On with the August meeting.

August 100

August Club Christmas Goals 100

Family Balance Sheet

OCTOBER 18, 2019

A lot of life happened over 7 years and our plan changed slightly, but our goal remains to achieve complete freedom from debt. Our 2019 Financial Goal. After years of scrimping and saving and not spending extra money on things, we have achieved the biggest financial goal we have ever set for ourselves in our 19 years of marriage.

Debt 100

Debt 2019 Financial Goals Emergency Fund 100

Savings Corner

DECEMBER 24, 2023

All of your retirement accounts are included as assets in your net worth calculation. That includes 401(k)s, IRAs and taxable savings accounts. Net worth calculator A smart view of your financial health Get a quick read on how you’re set up to meet expenses and money goals. Create my free account.

Calculators 52

Calculators Taxes Debt Consumer 52

The Frugal Girl

DECEMBER 11, 2023

In my free time I enjoy canning and preserving food (well, I enjoy the results of it, ha!), What’s the “why” behind your money-saving efforts? Being frugal allows me to stay at home with our little ones, which was always a goal of mine, and my husband has been very supportive of that.

Money 195

Money Kids and Family Frugal Parenting 195

Savings Corner

DECEMBER 24, 2023

Merrill Edge® Self-Directed Best for: Hands-off retirement savers Merrill Edge is a solid choice for those whose primary goal is to save for retirement, as the broker has copious resources on retirement and wealth planning. You can now trade all of Ally Invest’s mutual funds transaction-fee free. That’s right.

December 52

December Bank of America Bank Banking 52

Family Balance Sheet

JANUARY 2, 2013

A cash Christmas equals: a stress-free Christmas. a "I don't have to worry, because I've saved money" Christmas. Step 3: On the 25th of each month, we will be meeting (via a post) to discuss whether we hit our savings goal for the month. January's Goal: Create your budget, divide by 11 and save your first month's goal.

2013 113

2013 Christmas Club January 113

Prairie Eco-Thrifter

MAY 26, 2016

Because we only have a week to show results, and because savings account interest rates have been near zero each year since camps started, I have routinely given the jar 50% interest. Trepidation about having the grand-kids open a savings account. Both are now old enough to open a bank savings account.

Money 124

Money Saving Money Lowes Grandchildren 124

Family Balance Sheet

JANUARY 25, 2019

any savings from sales and coupons washed away from the interest accrued from unpaid credit card balance(s). But a cash Christmas equals: a stress-free Christmas. I offer a FREE Christmas Budget spreadsheet to my email subscribers. A credit Christmas equals: a “how are we going to pay for this” Christmas. a relaxing Christmas.

2019 100

2019 Club Christmas 2018 100

freestuff.tv

MAY 18, 2011

Here are some secret tips in creating a budget that can rejuvenate your personal finances and become debt free. If needed, you can even create a savings account with a reputable bank and then tie that account with your salary account. Maintain this savings account to witness positive financial results.

Budgeting 130

Budgeting Budget Debt Debt Free 130

Saving Cents With Sense

MAY 26, 2014

The first thing you should determine when making a financial plan is your goals. Most people want to get out of debt, while others want to save for their children’s college educations or a new home. Write down your immediate and long-term goals and how you plan to achieve them. Never Pass up Free Money.

Emergency Fund 71

Emergency Fund Goals 2008 Debt 71

Couponing 101

DECEMBER 4, 2019

If you keep your money in a high-yield savings account, you might be able to get around 2% interest. Robinhood offers commission-free trades for self-directed accounts when the trades are made via mobile device or online, so you can buy and sell as you see fit without the fees piling up. What’s a security, you ask?

Making 69

Making T-Mobile Money Goals 69

Coupons Do Work

MAY 17, 2016

Amazing Jakes – Free game play credits for good grades (Plano, TX). Applebee’s -The A is for Apple Program gives kids a certificate for a free kids’ meal. Baskin-Robbins – Free scoop of ice cream for good grades check with your local Baskin Robbins store. Bob Evans – Star Student Program offers free kids meal for good grades.

Free Stuff 100

Free Stuff 2016 Baskin Robbins Student 100

Family Balance Sheet

FEBRUARY 19, 2022

There’s a yearly fee and a learning curve, but I love YNAB and it helps me stay on budget and financially organized with our day-to-day checking and savings accounts. We have been in our home for over 20 years and I’ve refinanced for better rates at least five times, mostly for free. Pay our bills in a timely manner.

Office 130

Office Family Finance Kids and Family 130

Saving Cents With Sense

JANUARY 18, 2012

I know we are half way through January, and many of you may already be giving up on your New Year’s Resolutions, but I wanted to encourage you to keep reaching for those goals you set. Did you want to save more money this year? The truth is that it is easy to start goals, and much more challenging to follow through. Lose Weight?

Goals 55

Goals Pay Off Debt January Gardening 55

Prairie Eco-Thrifter

FEBRUARY 3, 2016

Let them see your excitement as your own accounts grow and get excited with them as their savings increase. Help them figure out what to save for and show them that you have goals for your own savings. Saving towards a goal and them fulfilling that goal is very satisfying to a child.

Work 100

Work Kids Bank Banking 100

Family Balance Sheet

JANUARY 19, 2011

My financial binder holds my monthly to-do list , my yearly goals, our Family Balance Sheet , our family budget, and our business budget and statistics. I keep separate binders for our Business Expenses & Statements , Business Taxes , Health Savings Account , Retirement , my passwords (with alphabet tabs), and Workouts.

Office 159

Office Organic Organization Friends And Family Sale 159

Family Balance Sheet

OCTOBER 14, 2014

By the end of the month, my goal is to help you have a detailed financial plan for your family. To get started, download my FREE Christmas Gift Spending & Budget excel spreadsheet and start planning your Christmas spending budget TODAY, if you have not done so already. Welcome to 31 Days to Organize Your Finances.

Finance 100

Finance Giving Organic Organization 100

Prairie Eco-Thrifter

MAY 22, 2011

Regardless as to the specifics, many Americans have elected to decrease spending, increase savings and eradicate debt. The needs, goals and temperament of every household are unique. Use a savings account to pay down debts. The monthly surplus will become the funding source for debt reduction and savings.

Debt 157

Debt Recession Unemployment Budgeting 157