Prairie Eco-Thrifter

JUNE 6, 2011

Ask yourself : Do you start saving or paying off debt with a superhuman resolve- determined to avoid all temptation- only to fall off the wagon and give up hope in a matter of a few days? I started making smaller consistent payments that I could afford month after month and before I knew it my debt was gone.

Pay Off Debt 176

Pay Off Debt Win Debt Goals 176

Family Balance Sheet

JUNE 4, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. I calculate the per-hour rate from my plasma donations to make sure it’s a good use of my time. Over the years, I have found money through rebates, refunds, online sales, and even the ground.

Money 130

Money May Donation 2020 130

Family Balance Sheet

MAY 4, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. I calculate the per-hour rate from my plasma donations to make sure it’s a good use of my time. Over the years, I have found money through rebates, refunds, online sales, and even the ground.

April 130

April Money Credit Cards Donation 130

Savings Corner

APRIL 4, 2024

Make sure to keep your credit score in the best shape possible and work on paying off debt to lower your debt-to-income ratio. The bottom line Average personal loan interest rates can vary depending on your credit score and other factors, but you do have some control.

Debt 52

Debt Bank Banking Credit 52

Family Balance Sheet

NOVEMBER 5, 2014

What are your top 3 – 5 tips for saving money/pinching pennies to put towards paying off your debt. Make paying off debt a priority. If you’re going to get serious about becoming debt free, you have to make that your first priority. Who initiated the debt free goal?

Debt Free 241

Debt Free Debt Emergency Fund Finance 241

Prairie Eco-Thrifter

FEBRUARY 26, 2011

Reader Asks About Selling Home to Pay Off Debt – [link] I agree. Makes me feel bad for wanting to watch them play. #. Paying Debt vs. Saving Money [link] I say pay off debt. High Cost of Being a Moron: Round 2 [link] via @ sustainlifeblog We have all made our mistakes.

Pay Off Debt 113

Pay Off Debt Swap Debt Finance 113

Family Balance Sheet

SEPTEMBER 9, 2014

About $52,000 of that $147K was consumer debt (credit cards, a student loan, a car loan, a home improvement loan, etc.) But it wasn’t a decade of nothing but paying off debt. When we first started we couldn’t have even conceived of becoming completely debt free. What inspired you to get debt free?

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Savings Corner

DECEMBER 24, 2023

Try adjusting the terms, loan types or rate until you find a debt consolidation plan that fits your goals and budget. Debt consolidation is the process of combining several debts into one new loan. The goal is to streamline payments, lower interest, and pay off debt more quickly.

Debt 52

Debt Calculators Credit Cards Credit 52

Prairie Eco-Thrifter

SEPTEMBER 25, 2013

Share things you like spending money on (things vs. experiences), as well as your reasons for some of the money decisions that you make. It’s easier to understand yourself and your partner, and easier to create shared goals, when you both understand what makes you tick. Decide on Separate vs. Joint Spending. Set Goals Together.

Money 252

Money Finance Motivation Goals 252

Prairie Eco-Thrifter

JUNE 6, 2013

It really makes me happy. My friend Jackie over at The Debt Myth has created a Pay Off Debt App which I think is very cool. She has lived the journey of being sunken in debt and then freeing herself and now she is trying to help others do the same with her new app. Greetings and happy Friday.

Debt 145

Debt Fridays Win Green And Frugal 145

Prairie Eco-Thrifter

FEBRUARY 21, 2013

Paying off debt is hard to do. Read John’s post about his stumbles on the way to paying off his debt at The Money Principle. If you’re graduating soon or know someone who is, make sure to share Jason’s financial advice for new grads from Frugal Habits. PET Archives.

Fridays 165

Fridays Insurance Real Estate Debt 165

Prairie Eco-Thrifter

SEPTEMBER 26, 2012

I still have debt to pay off and want to buy a house, so all of that inflation money could go toward saving or paying down debt more quickly. Keep Your Goals in Mind When your income increases or expenses drastically decrease (like when you pay off debt), keep your goals in mind.

Debt 189

Debt Goals Money Bills 189

Family Balance Sheet

OCTOBER 6, 2014

When writing goals, you want to make sure they are S.M.A.R.T. T – time based, tangible, Instead of writing, “I want to pay off debt” or “I don’t want to live paycheck to paycheck”, refer to your recently completed balance sheet and craft S.M.A.R.T. goals , rather than ambiguous goals.

Financial Goals 113

Financial Goals Goals Finance Organic 113

Prairie Eco-Thrifter

MAY 1, 2013

Rules of thumb are often used to make various financial decisions. The rule of thumb that states that it makes sense to spend 30% of your income each month on a housing payment doesn’t take into account the fact that you might have other debts, and that taking on more might over-leverage you. So, What Can You Do?

Life Insurance 213

Life Insurance Insurance Debt Property Taxes 213

Family Balance Sheet

OCTOBER 18, 2019

Happy New Year’s 2019: In January 2019, we were down to one final non-mortgage loan, so we created just one financial goal for the year—-to pay off that last non-mortgage debt by December. Our non-mortgage debt was in the six figures when we started this plan and included 5 loans.

Debt 100

Debt 2019 Financial Goals Emergency Fund 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. How to Grill Pizza – No need to heat up the house to make homemade pizza, grill it instead! Have you started making summer plans? Once summer starts, enter the actual expense.

Budgeting 130

Budgeting Budget Friends And Family Sale Home and Garden 130

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. This will help you stay out of debt.

Budgeting 130

Budgeting Budget Debt Debt Free 130

Family Balance Sheet

FEBRUARY 23, 2016

We need to find/earn even more money each month to throw at the debt to make our goal by December 31, 2016. It’s a crazy goal, but I like a challenge and I’m looking forward to our reward when everything is paid off. So I concocted an idea to pay them off early and wrote our Debt Freedom Plan.

Debt 100

Debt Goals 2016 Calculators 100

Saving Cents With Sense

JANUARY 1, 2016

I know many of you are in similar situations of needed to save, but wanting to pay off debt, and eventually be able to put money in savings. Before we get to my tips, I want to stress that no matter what savings tips you decide to try, make sure that you aren’t spending more to save. Make Your Own Foamy Hand Soap.

Saving Money 40

Saving Money 2016 Money Pay Off Debt 40

Family Balance Sheet

FEBRUARY 2, 2017

Meet The Achievers: Deacon and his wife paid off $52,000 in debt in 18 months. His 2017 goal is to make $100,000 in online income. If you figure that out you can then work to find healthier ways to fill the void and you can free yourself permanently from the bonds of debt. Make a commitment. . Make it visual.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Family Balance Sheet

SEPTEMBER 29, 2016

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 had tried other methods in the past, but found this one suited us best since it forced us to focus on one goal at a time, rather than trying to do it all (pay off debt and contribute to savings and retirement).

Debt 100

Debt Debt Free Budgeting Budget 100

Savings Corner

APRIL 4, 2024

You’ll receive the funds in a lump sum, then make regular monthly repayments amortized over the term of the loan, typically as long as 30 years. If that happens, it can cause serious damage to your credit score, making it harder for you to qualify for future loans. Save for longer, or find a more affordable way to make them happen.

Home 52

Home Debt Credit Cards Credit 52

For the Mommas

JANUARY 23, 2013

Nearly 46% of consumers say they typically consider making a financial resolution – up 31% since the first year of the survey in 2009. Saving more (52%), spending less (19%) and paying off debt (19%). Do you really need cable television or can you make do without? Paying Off Debt.

Monitors 40

Monitors Credit Debt Consumer 40

Saving Cents With Sense

DECEMBER 20, 2013

Start the New Year off right by making a commitment to save money and pay off debt. Look for sources of cash that you can tap into and pay down debt. You give up rights to future payments, but the savings in interest on your credit cards could make the sale worth it. Covering Those Extra Costs.

Christmas 75

Christmas DIY Debt Pay Off Debt 75

Family Balance Sheet

NOVEMBER 19, 2014

We definitely spend a lot more money on eating out at restaurants and using babysitters now that we are debt free. When you have your own company you can make as little or as much money as you want. Is there anything else you’d like to add that you think would help the readers who want to become debt free?

Debt 245

Debt Debt Free Finance Friends And Family Sale 245

Savings Corner

APRIL 4, 2024

Getting a business loan requires careful research and consideration to make sure you’re choosing the best funding option for you. You’ll also need to make sure that you meet the lender’s requirements for credit score, time in business and cash flow, ensuring that your business can easily handle loan repayments.

Bank 40

Bank Banking Credit Finance 40

Family Balance Sheet

AUGUST 5, 2015

Soon after making that decision we found out our church in Chattanooga would be hosting Dave Ramsey’s Financial Peace University. Did you follow a particular debt freedom plan or book, such as Dave Ramsey or Debt-Proof Living? It helped us see debt go down and excited us to see progress! We named our price at $100.

Debt 100

Debt Debt Free Finds Finance 100

Savings Corner

DECEMBER 27, 2023

Ideally, getting one positively impacts your overall financial health, by helping you pay off debt faster, for example, or adding to the value of your home. If your lender charges this fee, make sure the final loan amount will be enough to cover your expenses. Consider a secured personal loan.

Debt 40

Debt Home Improvement Consumer Credit 40

Savings Corner

DECEMBER 24, 2023

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. Once you receive the cash, you must make recurring, monthly payments until the debt has been fully repaid.

Debt 52

Debt Credit Cards Credit College Tuition 52

Family Balance Sheet

APRIL 9, 2021

Becoming debt-free became very appealing and the idea of being able to give more, save more, and live more was the direction we wanted to go. He makes it really simple and you should Google it if you haven’t heard of his steps. Related Reading: WHY We Wanted to be Debt Free. Paying off debt is not fun.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Family Balance Sheet

FEBRUARY 22, 2011

Which comes first: saving for an emergency OR paying off debt? Many personal finance experts believe in building an emergency fund to $1000 to get started and then pay off consumer debt. Once that debt is paid off then start building up you emergency fund to your desired number.

Emergency Fund 127

Emergency Fund 2007 Personal Finance Debt 127

Prairie Eco-Thrifter

JANUARY 6, 2011

Like many of us who have previously been in debt, I know how difficult financial management can be. Many of us have never been taught the basics as a child and once we reach adulthood, we find ourselves making poor financial decisions that take us down the road of debt. See where you can make cutbacks.

Debt 113

Debt Finance Pay Off Debt Credit 113

For the Mommas

JULY 24, 2016

You can use the difference in income to pay off debt, save or invest. And as an added bonus, leftovers make a great lunch the next day. Make a rule that you can’t buy it for at least 30 days after you put it on the list. Look for ways to do it cheaply, by making a gift. 20 Tips for Frugal Living.

Frugal Lives 49

Frugal Lives Frugal Living Frugal Magazine and Newspaper Subscriptions 49

Saving Cents With Sense

JANUARY 18, 2012

Pay off Debt? Re-evaluate your initial goals to make sure they were attainable, and change them up a bit if you need to. The point of goal setting is not to make you feel bad about yourself, but rather to help you get to where you want to be. To Reach Your Goals, make sure they are: Specific. Lose Weight?

Goals 55

Goals Pay Off Debt January Gardening 55

Prairie Eco-Thrifter

JULY 4, 2011

I know I sometimes get bogged down with too many options and I can take forever to make a decision. Philip from Deliver Away Debt shares his story: How I Delivered Away My Debt. If we make effort we will succeed. Sometimes a charitable contribution can make a direct impact on your life and others. How about you?

Personal Finance 240

Personal Finance Finance Family Debt 240

Family Balance Sheet

JULY 2, 2015

We have a 5 year old son and are in the process of adopting our 2 year old and 4 month old foster sons, making us parents of 3 boys! But in the end, we ended up making enough profit to pay off our debt entirely and still put some into savings! If married, who initiated the debt free goal? Be creative.

Student 100

Student Debt Debt Free Finds 100

Prairie Eco-Thrifter

OCTOBER 15, 2011

How is it possible that a couple making $200K don’t know where $60K is going every year? Live Real, Now: Make Extra Money, Part 6: Setting Up a Site In this installment of the Make Extra Money series, LRN is going to show you how to set up a WordPress site. There were 50 submissions this week. In no particular order….

October 200

October 2011 Finance Personal Finance 200