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How to Budget (and Pay) for Yearly Bills + a FREE Speadsheet

Family Balance Sheet

Not sure how to budget for your once-a-year bills? They can cause a panic, especially when just one bill is into the four figures, like our property taxes or auto insurance! But let me show you how to budget (and pay) for yearly bills with a strategy I’ve used for years. Let us know in the comments.

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How to Determine Home Value

Savings Corner

The long answer depends on the market and whether you’re asking a lender, an agent or a county tax assessor. Knowing how to calculate your home’s value with the help of online tools and trained professionals better prepares you to buy, sell, refinance, tap into your home’s equity — or even negotiate lower property taxes.

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Family Budget Spreadsheets 2021

Family Balance Sheet

That is why I created Family Budget Spreadsheets — a bundle of spreadsheets that we personally use to plan and budget our money. For more information about the spreadsheets and details on how to order, visit: Family Budget Spreadsheets. For 2021, the bundle includes 10 spreadsheets, 2 trackers, and 2 pdfs.

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How to Save on Rental Cars

Prairie Eco-Thrifter

The sales tax, plus the ongoing higher property tax and insurance are really turning him off – and the van does fine if we drive it locally or just for a few hours to the lake. Some rental companies will give you a lower rate and still not charge you for days you didn’t use in the week if you return it early.

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How to Say No When a Sibling Asks for Money

Prairie Eco-Thrifter

Keep it businesslike and a bit formal and use this speech to prevent the conversation from becoming a high pressure appeal to your heartstrings. Say No the Right Way The Tower of Power site suggests that you will be more successful saying no if you use the right No. Use Alternate Solutions Look for non-monetary resolutions.

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How to Save Money on Your Home’s Mortgage

Prairie Eco-Thrifter

This extra money can be used to fund your retirement account or pay down some bills. Regardless of what purpose you decide to use this money for, it is always a good idea to get a lower mortgage payment whenever possible. The lenders use it to protect their interest in the property. Get a property tax assessment.

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Mortgage Calculator with PMI and Taxes

Savings Corner

How to use the mortgage calculator Under “Home price,” enter the price (if you’re buying) or the current value (if you’re refinancing). On mobile devices, tap “Refine Results” to find the field to enter the rate and use the plus and minus signs to select the “Loan term.”