The Frugal Girl

DECEMBER 11, 2023

Last year, to make a little extra cash, I started boarding dogs through Rover, and I am about to start a very very part time job using my RN license for a home care company. In my free time I enjoy canning and preserving food (well, I enjoy the results of it, ha!), I would probably add it to our savings account for house projects.

Money 195

Money Kids and Family Frugal Parenting 195

Savings Corner

DECEMBER 24, 2023

Find your net worth by using our net worth calculator. To calculate your net worth, take inventory of what you own, as well as your outstanding debt. For example, your home would count toward your net worth if you’re willing to use it for a home equity line of credit or sell it should the need arise. Want us to do it for you?

Calculators 52

Calculators Taxes Debt Consumer 52

Prairie Eco-Thrifter

NOVEMBER 30, 2014

The proverbial saying ‘money doesn’t grow on trees’ is used by many a parent in denying some wished for item to their children. Well, kids, your parents lied to you – money does grow on trees. The trees are your investment accounts. Learn from books but learn from doing and observing as well.

Virginia 160

Virginia Money Real Estate Growing 160

Penny Pinchin' Mom

FEBRUARY 16, 2024

Needless to say, a vast majority of Americans don’t own luxury vehicles, but that’s not to say that these people own broken-down used cars. How much of that do you have saved up as we speak? Use Cash Every time you use your credit card, you are paying interest on that purchase. What is your dream car?

Cars 52

Cars Car Bank Banking 52

Family Balance Sheet

JUNE 24, 2021

But let me show you how to budget (and pay) for yearly bills with a strategy I’ve used for years. Every month going forward, transfer this money into a separate savings account that is connected to your checking account. This system works very well for us, but we have been doing it for several years.

Bills 130

Bills Budgeting Budget Emergency Fund 130

Penny Pinchin' Mom

FEBRUARY 16, 2024

It goes: 50% of your salary should go to your expenses and needs 30% should go towards what you want (a new car, a vacation, and all that) 20% should go towards your savings plan So, using this rule, 20% of everything you earn should go toward savings. Use In-Network ATMs Did you know that you could be losing as much as $5.00

Saving Money 52

Saving Money Money Saving Bills 52

Saving Everyday

SEPTEMBER 15, 2012

It’s a very simple program that turns your everyday spending into a little extra savings account to help pay for your family’s college expenses or withdraw for yourself. Add your loyalty cards (Kroger, Publix, CVS, etc…) and any debit/credit cards you use (see tip below). What you save goes into your account.

College 55

College Dining Money Used 55

Family Balance Sheet

JANUARY 31, 2020

Frugal living is being intentional with our money and creative with our resources, so we have more to put towards the things that are important to us. We want to live WELL, on LESS Money. This new routine only costs me $3 for the pick up and I’m finding it’s well worth it. Frugal living is NOT about feeling deprived.

January 130

January Frugal Green And Frugal Homemade 130

Prairie Eco-Thrifter

MAY 26, 2016

It has served me well over the years, eventually leading to my current position of financial freedom. Helping the parents teach my grandchildren to save is an ongoing project of mine. 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

Prairie Eco-Thrifter

MAY 15, 2013

I view each month’s bill – whether it be from the water company, the electric utility, or the natural gas provider – as a way to gauge how well I am doing in my efforts to both conserve energy and save money. Did I use less power than last month? How much money do I get to keep in my bank account this month?

Bills 202

Bills Conserving Energy DVD Players Toaster Ovens 202

Penny Pinchin' Mom

DECEMBER 17, 2023

Advantages of Paying Off Debt From a purely financial point of view, it makes more sense to focus on debt payoff rather than directing available cash to a savings account. Before I took up my Financial Reboot journey, I was more focused on growing my savings accounts as opposed to paying off debt first.

Pay Off Debt 52

Pay Off Debt Debt Emergency Fund Financial Goals 52

Saving Everyday

DECEMBER 24, 2011

It’s a very simple program that turns your everyday spending into a little extra savings account to help pay for your family’s college expenses or withdraw for yourself. Add your loyalty cards (Kroger, Publix, CVS, etc…) and any debit/credit cards you use (see tip below). What you save goes into your account.

College 45

College Dining Money Used 45

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. Oh well, I thought–I can sleep in that weekend. This money was put into my Christmas Savings account.

Money 130

Money May Donation 2020 130

Prairie Eco-Thrifter

MAY 6, 2012

Unless you want to work until the day you die, you are going to need some savings to fund the years you no longer earn an income. Whether you want to retire early or work well after the retirement age, you will need to have saved enough to enable you to continue to live in the manner to which you have become accustomed.

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401K Saving Part Time Money 261

Penny Pinchin' Mom

JANUARY 16, 2024

However, if you have been following me, you know that I am quite serious about finding ways to not only get out of debt but also how to create a budget (and stick to it) as well as how to save money without necessarily depriving your family of the quality of life they deserve. I send in $50 every month to each of their accounts.

Personal Finance 52

Personal Finance Finance Tips Finance Mom 52

Family Balance Sheet

OCTOBER 10, 2014

That used to be me. I don’t handle life well when I feel like I’m living on the edge of a cliff, so we made a change. Every month, we transfer this money into a savings account that is connected to our checking account. When a bill comes due, I transfer from the savings into the checking to pay to bill.

Finance 100

Finance Property Taxes Organic Organization 100

Prairie Eco-Thrifter

JANUARY 4, 2012

It takes a well-thought-out business plan, it takes hard work initially with no guarantee of success, and there’s often scoffing along the way from all the people that think you’re crazy for trying something so unheard of. He then used that money to buy a plot of land and rented it to a local farmer for a hefty amount each month.

Making 264

Making Machines Real Estate Money 264

Prairie Eco-Thrifter

JANUARY 30, 2017

The author of Kiplinger article ‘How Money Is Used as a Weapon in Relationships ‘ says: “Money is among the most powerful weapons of control in a relationship.” Yet newlyweds as well as long time married folks may not even be aware of some of the money tricks they or their spouse could be using.

Money 100

Money Camping Equipment Bank Banking 100

Prairie Eco-Thrifter

AUGUST 12, 2013

You’ll reach your goal a lot more quickly than you did your emergency fund goal, and you’ll be able to both save and enjoy yourself. Plus, there’s nothing like rewarding yourself for doing so well. Instead of blowing the cash that you are used to putting away after months of saving, why not put it toward your retirement?

Emergency Fund 200

Emergency Fund Debt Goals Money 200

Family Balance Sheet

JUNE 25, 2011

If your holiday planning went smoothly last year then you might not feel any urgency to think about Christmas 2011, but if you overspent, shopped at the last minute and paid the price well into spring then you might want to rethink this year's strategy. Did you pay cash or use a credit card to buy gifts? Are you okay with that number?

Christmas 157

Christmas Credit Cards January Budgeting 157

freestuff.tv

MAY 18, 2011

Well that’s a pretty dumb question but for most of us, we fail to act on our desires. 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. Want financial freedom?

Budget 130

Budget Budgeting Debt Debt Free 130

Family Balance Sheet

MAY 31, 2016

Is an unexpected expense threatening your bank account? Or maybe you’re trying to build your emergency savings account, or save for a vehicle? You might be surprised and realize that YES, it would be possible for you to slash your grocery spending and still eat well. Day 9: Use Grocery Apps.

Grocery Spending 100

Grocery Spending Grocery Groceries Budgeting 100

Prairie Eco-Thrifter

FEBRUARY 10, 2013

Here are some ideas that the wary beginner can use to get started: 1. Contribute to a Retirement Account. Many of us don’t think about a retirement account as an investment account. In Canada, you can contribute to a RRSP, or even use a TFSA. However, that’s exactly what it is.

Fair-Trade 213

Fair-Trade United States Money Bank 213

Savings Corner

DECEMBER 24, 2023

How to calculate compound interest How compound interest is calculated Compound interest is calculated by applying an exponential growth factor to the interest rate or rate of return you’re using. Below is a mathematical formula you could use for calculating compound interest over a certain period: Image source: The Motley Fool.

Calculators 52

Calculators Simple Re-use Growing 52

Family Balance Sheet

APRIL 1, 2021

Now that we’ve paid off six figures of non-mortgage debt , we are working on saving 6 months’ expenses and maybe even more. Consider setting the money aside in a savings account that isn’t immediately accessible and doesn’t have an ATM attached to it This will help to avoid any impulsive non-emergency spending.

Emergency Fund 130

Emergency Fund Money Finds Friends And Family Sale 130

Saving Cents With Sense

JANUARY 1, 2014

I have many ways for you to start saving, including couponing, but before you become overwhelmed with the idea, here are 10 tips that are simple, easy and will make you one savvy shopper in 2014, so you can start saving more. 10 Savvy Ways to Save in 2014. Pay yourself first with a savings account.

2014 88

2014 Saving Bills Emergency Fund 88

Savings Corner

DECEMBER 24, 2023

Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction for setting up direct deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A. Loan proceeds cannot be used for post-secondary educational or business purposes. Credit cards issued by Citibank, N.A.

December 52

December CitiBank Puerto Rico Ranges 52

Family Balance Sheet

JANUARY 19, 2011

Some people keep their recipes on the computer, but I prefer my binder with its well-used, splattered pages. I keep separate binders for our Business Expenses & Statements , Business Taxes , Health Savings Account , Retirement , my passwords (with alphabet tabs), and Workouts. Do you use binders to stay organized?

Office 159

Office Organic Organization Friends And Family Sale 159

Family Balance Sheet

APRIL 9, 2015

Every month, transfer this money into a savings account that is connected to your checking account. When you are ready to pay a bill, transfer what is needed from the savings into the checking to pay the bill. This system works very well for us, but we have been doing it for several years.

Bills 100

Bills Real Estate Insurance Taxes 100

Prairie Eco-Thrifter

JANUARY 30, 2013

Know where these items are, and make sure other family members know as well. If you can get to it, the right safe will protect the information from floods and fires, as well as other disasters. You can augment with other emergency sources as well. However, I also keep emergency funds in a taxable investment account.

Emergency Fund 211

Emergency Fund Job Loss Transportation Staying Warm 211

Prairie Eco-Thrifter

MAY 22, 2011

A simple budget allows you to regulate spending as well as track cost. Use a savings account to pay down debts. Once you have devised a monthly budget, you can properly account for household income and expenditures. The monthly surplus will become the funding source for debt reduction and savings.

Debt 157

Debt Recession Unemployment Budget 157

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. Starting with just $5, you can invest in fractional shares of well-known companies, like Amazon, Apple, BP, and dozens of others. Well, stocks are one type of security that you may already be familiar with. Betterment.

Making 69

Making T-Mobile Money Goals 69

Savings Corner

DECEMBER 24, 2023

Portions of this article were drafted using an in-house natural language generation platform. A personal loan is money borrowed from a lender that can be used for nearly any purpose. Consolidate debt: You can use a personal loan to consolidate expensive debt, such as credit card debt.

Debt 52

Debt Credit Cards Credit College Tuition 52

Family Balance Sheet

MARCH 15, 2017

I remember being flabbergasted by the rates of individual policies back then, because I was so used to what had been coming out of my corporate paycheck which was about $100. We did take advantage of one benefit of a high deductible health plan: a Health Savings Account. Also, I never had a deductible when on a group plan.

Health Insurance 100

Health Insurance Insurance Health 2003 100

Prairie Eco-Thrifter

JUNE 22, 2014

Mom used to get so frustrated with me when I ran around with less than $5 on me. Saving was important to her and it has been very beneficial to me. Saving up to buy what I want has turned out to be fun – the anticipation is a large part of the enjoyment. Why I Use Cash Should You Save Or Invest Your Money?

Money 217

Money Mom Credit Cards Bank 217

Prairie Eco-Thrifter

JANUARY 27, 2014

Check out his review of Prosper Loans and his comparison of the best gas credit cards , as well as other quality financial advice. Savings Accounts and Stock Investments: Uses, Values and… 5 Investment Strategies For The Wary Beginner What’s Sustainable Investing All About? Are You Investing or Gambling?

Money 182

Money Goals Credit Cards Rewards 182

Saving Cents With Sense

JANUARY 3, 2017

Before you know it, you will be saving more in 2015 and become a savvy shopper! 10 Savvy Ways to Save in the New Year. Pay yourself first with a savings account. It is simple to open a savings account if you haven’t already. Be a savvy spender by using coupons. Record all your expenses for one month.

New Year's 40

New Year's Saving Bills Emergency Fund 40