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

Family Balance Sheet

NOVEMBER 5, 2014

We put any extra money that would come in toward our debt. 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.

Debt Free 241

Debt Free Debt Emergency Fund Finance 241

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

APRIL 4, 2024

The application process may vary depending on the lender and type of loan, and the funding time can range from a few days to 90 days or more. Alternatives like online lenders may lower their qualifications, helping startups and business owners with subprime credit get a business loan.

Bank 40

Bank Banking Credit Finance 40

Savings Corner

DECEMBER 27, 2023

Lenders primarily use your financial and credit information to determine your rate, but may consider additional information like whether you own your home, your education level and your employer. Those with fair to bad credit (scores below 690) may have to look a little harder and pay a higher rate for a personal loan.

Debt 40

Debt Home Improvement Consumer Credit 40

Savings Corner

DECEMBER 24, 2023

Working to improve your credit score and reduce your debt-to-income ratio before applying can help get you the best loan terms. 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

Prairie Eco-Thrifter

SEPTEMBER 26, 2012

Keep Your Goals in Mind When your income increases or expenses drastically decrease (like when you pay off debt), keep your goals in mind. Why were you working so hard toward making more money or decreasing your debt? While it may mean discipline to some, it is not always. Likely, there was a reason.

Debt 189

Debt Goals Money Bills 189

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. Through lay offs, new jobs, new schools, illness, and everything else involved with a family, we have had our ups and downs.

Saving Money 40

Saving Money 2016 Money Pay Off Debt 40

Family Balance Sheet

APRIL 2, 2022

Actually check ALL the libraries close to you, because they may offer different activities and most of them will likely be free or just a few dollars. They’re all designed to help you save money, pay off debt, and achieve your financial goals, so please take advantage of them. Have you started making summer plans?

Budgeting 130

Budgeting Budget Friends And Family Sale Home and Garden 130

Family Balance Sheet

NOVEMBER 19, 2014

Family and friends may think you are crazy for paying off your debt. Is there anything else you’d like to add that you think would help the readers who want to become debt free? Paying off debt can be done! It’s also a place to celebrate small victories.

Debt 245

Debt Debt Free Finance Friends And Family Sale 245

For the Mommas

JANUARY 23, 2013

Saving more (52%), spending less (19%) and paying off debt (19%). Paying Off Debt. After taking a look at your holiday shopping credit card bill, you may (unsurprisingly) groan and vow to pay off your debt as quickly as possible. The top 3 financial resolutions?

Monitors 40

Monitors Credit Debt Consumer 40

Savings Corner

APRIL 4, 2024

Consolidating high-interest debt: If you’ve been struggling to pay off debts with high costs like credit cards, a home equity loan can make a big difference in the amount of interest you’re paying. This means that your payments may be smaller than a home equity loan, which includes both interest and principal.

Home 52

Home Debt Credit Cards Credit 52

For the Mommas

JULY 24, 2016

You can use the difference in income to pay off debt, save or invest. It’s not as hard as you may think to still enjoy a great life while living more frugally. You may be able to afford a larger house, but that doesn’t mean you should live in one. You have more options with a frugal lifestyle. Eat out less.

Frugal Lives 49

Frugal Lives Frugal Living Frugal Magazine and Newspaper Subscriptions 49

Family Balance Sheet

JULY 2, 2015

We rarely use a credit card and if we do, we pay it off right away. If we want to buy a car, we save and pay cash. This may seem like a strange answer to put in this section, but we believe in helping others when they are struggling and putting our finances towards caring for our community and others around the world.

Student 100

Student Debt Debt Free Finds 100

Family Balance Sheet

AUGUST 5, 2015

We had become so accustomed to living off both incomes that we really had to re-adjust a few lifestyle choices so we could live off just my husbands income. This ultimately is what put us on the fast track for paying off debt in such a quick amount of time. If married, who initiated the debt free goal?

Debt 100

Debt Debt Free Finds Finance 100

Family Balance Sheet

AUGUST 4, 2014

When Jon and I were married, we acknowledged that high paying careers were not on the docket for us, knowing that we wanted to have both comfortable and generous lives we decided that we would have to be incredibly diligent with our resources. The first step in this diligence was paying off debt. Be a part of this change.

Debt Free 243

Debt Free Debt Goals Student 243

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. Pay off Debt? Did you want to save more money this year? Lose Weight? Give up Caffeine (gasp!)?

Goals 55

Goals Pay Off Debt January Gardening 55

Family Balance Sheet

APRIL 9, 2021

An emergency fund is a must and you may choose to follow Dave’s advice on a $1000 starter fund, but personally, we chose to have a bit more. Paying off debt is not fun. That’s one reason why we included celebrations in our Debt Freedom Plan. Also, allow yourself to dream about your wants. Prioritize.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Prairie Eco-Thrifter

JULY 4, 2011

, and says, “The big debt clock is over $14 trillion now, but this other one is approaching $1 trillion, and may affect you more directly.&#. Your City or County May Have Free Money For You. Often times, home buyers may not be aware that free money for a down payment on a house is still available for qualified buyers.

Personal Finance 240

Personal Finance Finance Family Debt 240

Prairie Eco-Thrifter

JANUARY 6, 2011

Also cut out any unnecessary expenditure, such as subscriptions and memberships that may no longer be of much use to you. This savings can be directly applied towards your smaller debts such as credit and store cards in order to clear them more quickly. Instead pack a lunch and cook some simple meals at home for dinner.

Debt 113

Debt Finance Pay Off Debt Credit 113

Family Balance Sheet

FEBRUARY 3, 2016

However, since paying off our debt, I have become a much bigger fan of the baby steps laid out by Dave Ramsey and really see the wisdom in paying off debt in that fashion. What are the top 3 – 5 ways you found money to put towards debt. I initiated paying off the debt.

Debt 100

Debt Debt Free College Finds 100

Motherhood Moments

FEBRUARY 7, 2023

Dinner May Be Too Expensive. V-Day Debt Is Worth It for Some People. Almost 1 in 5 Americans think a Valentine’s Day gift is worth going into credit card debt. Taking time to improve your finances may lead to better romantic prospects.” 36% people say that going out to dinner on Valentine’s Day is a bad deal.

Valentines Day 130

Valentines Day Thrifty Debt Las Vegas 130

Family Balance Sheet

JUNE 2, 2016

In general though, the process of paying off debt has taught me a lot of things, and its a lifestyle I continue to this day. Was there something that you gave up that you will go back to now that you are debt free? Paying off debt and growing savings is a means to an end. Yes, but not yet!

Debt 100

Debt Finds Debt Free Pay Off Debt 100

Family Balance Sheet

DECEMBER 10, 2014

How did you celebrate when you became debt free? I became debt-free on May 29, 2012 and the first thing I did was quit my job as a seasonal tax pro. I only pay for Netflix and Hulu Plus, which is around $18 a month — a far cry from my $90+ satellite TV bill.

Debt 227

Debt Debt Free Financial Goals Goals 227

Saving Cents With Sense

FEBRUARY 17, 2016

You may experience lower tax rates if filing together, but you also are on the hook for accuracy. Paying Off Debt. If both of you are entering your marriage with debt, you might have previously been tackling your accounts in the ways that made individual sense. Community Property Laws.

Taxes 40

Taxes Debt Finance Wedding 40

Family Balance Sheet

JUNE 8, 2018

I came up with strategies to help us pay for yearly bills, large expenses, and we were able to pay off debts. For example, if today is May 22, then follow these steps to plan for June’s budget. During that time, I started to budget for everything. Every aspect of our lives was included in our budget.

Budgeting 133

Budgeting Budget Financial Goals Goals 133