Family Balance Sheet

APRIL 11, 2020

We paid off our last non-mortgage debt in September and have since sent that loan’s monthly payment to our mortgage principal. We just finished paying off our non-mortgage debts and now we were considering taking out a car loan. Update our Debt Freedom Plan to reflect lessons learned during this crisis. Cash is King.

Budgeting 246

Budgeting Budget Family Debt 246

Family Balance Sheet

SEPTEMBER 21, 2015

August 2013 was a month that I’d like to wipe from my memory. We carried no credit card debt and we contributed to our retirement. But in August 2013, our business softened, renovations to our new building were more costly than planned, and we were now the owners of two mortgages, our home and our business. Stay positive.

Finance 100

Finance Debt August 2013 100

Prairie Eco-Thrifter

JANUARY 10, 2013

I have started a new job at work which is great but also very overwhelming as I still need to keep up doing my old job until my replacement is hired and trained. Working to build your emergency fund? Are you a current student or someone who’s currently paying off student loan debt? Finalizing your 2013 goals?

Emergency Fund 193

Emergency Fund Debt Student Fridays 193

Family Balance Sheet

FEBRUARY 4, 2015

Today’s Debt Free Story is from Shannon. He now works as an architect, and I do some freelance from home now that we have kids. How much debt did you pay off? What kind of debt was it? As many students do these days, we had tens of thousands of dollars of debt by the time we graduated with our Masters degrees.

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

The Frugal Girl

DECEMBER 11, 2023

I have a degree in nursing and worked in pediatrics for 8 years, then left the profession right before I had my third child. As a teenager, I saved quite a bit of the money I earned babysitting and working in a dining hall. My husband and I bought our first home in 2013 when interest rates and housing prices were pretty low.

Money 192

Money Kids and Family Frugal Parenting 192

Family Balance Sheet

JANUARY 26, 2016

As God is my witness, it WILL be the year that we pay off the last of our non-mortgage debt. It has been my obsession goal since we found ourselves in a dicey situation back in August 2013. Thankfully, we have worked through those trials and the experience actually made a positive impact on our finances.

Financial Goals 100

Financial Goals Goals 2016 Debt 100

Prairie Eco-Thrifter

NOVEMBER 6, 2013

It’s probably working! An August 2013 issue of Daily Finance, in an article entitled Credit Card Debt Falling But Still Very High reported: “According to data from the Federal Reserve, as of July 2013, the average indebted household in the U.S. Many people today seem to prefer paying by credit card.

Credit Card Rewards 228

Credit Card Rewards Credit Cards Credit Rewards 228

Family Balance Sheet

FEBRUARY 2, 2017

They pay off mountains of debt and scream about debt freedom, or maybe they save gobs of money in a record amount of time, or they have considerable success with their new small business. Meet The Achievers: Deacon and his wife paid off $52,000 in debt in 18 months. They’re still working on developing their goals for 2017.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Family Balance Sheet

JUNE 22, 2020

It was so big that I cried for two days straight– we paid off six figures in non-mortgage debts. How we got to six figures of non-mortgage debt: In the summer of 2012, we found an opportunity to purchase an office building for our small business. After the first year, the new business debt weighed on me.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Family Balance Sheet

JUNE 4, 2015

To many, working with a spouse would be too difficult, but our individual strengths and weaknesses complement each other and the arrangement has worked well. However a few years ago, we found ourselves with too much debt and not enough cash. I designed our Debt Freedom Plan, but it essentially was our life plan.

Goals 100

Goals Debt Renovation Daughter 100

Prairie Eco-Thrifter

DECEMBER 30, 2013

However, your New Year’s Resolutions should be about more than just generically “saving more”, “spending less”, or “paying down debt” What if you’ve been making solid progress in those areas? Educate yourself about how money works, and how to make the most of it. Educate Yourself.

Financial Goals 186

Financial Goals Goals Finance Money 186

Motherhood Moments

DECEMBER 12, 2022

I stumbled upon it,” says Knight, “and discovered that I was better at it than I thought I would be.” - Her debt to MTV. “I About the Author Holly Knight is a songwriter whose work helped define the MTV ’80s. In 2013, Knight was inducted into the Songwriters Hall of Fame. It really has a life of its own.” Thanks for reading!

New York City 100

New York City Music TV shows Dallas 100

Family Balance Sheet

JANUARY 1, 2015

Most of them are related to our small business, my husband’s chiropractic office, but last January I got a bee in my bonnet about debt…thank you, Dave Ramsey. I tricked …nudged my husband into following along and together we wrote out our Debt Freedom Plan. Although it will take hard work and sacrifice on our part.

2015 100

2015 Money Debt Home and Garden 100

Family Balance Sheet

DECEMBER 10, 2014

Today’s Debt Free Story is from Carrie. Yep, we’re newlyweds and eloped together in December 2013. After nearly a decade of working my way up the career ladder, I quit my small business accounting job to start my blog, Careful Cents. How much debt did you pay off? What kind of debt was it? Next summer?

Debt 227

Debt Debt Free Financial Goals Goals 227

Family Balance Sheet

FEBRUARY 10, 2017

As I reflect back to January 2016, I started that year pretty determined to pay off the balance of our non-mortgage debts. Unfortunately, we did not hit that goal and in part, have made some major changes to our Debt Freedom Plan. Our Debt Freedom Plan Started in 2013: The year 2012 was quite exciting for me and my husband.

Debt 100

Debt 2017 Student 2016 100

Family Balance Sheet

JANUARY 3, 2012

We are still working through some numbers and there might be some adjustments in the timelines we have given ourselves, but these are our financial priorities for 2012. Increase our Monthly Debt Payment. We have set a goal date of July 2015 to pay off all of our debt. The bad news is that we have a lot of work to do.

Financial Goals 127

Financial Goals Goals 2012 Emergency Fund 127

Finally Frugal

SEPTEMBER 10, 2012

This summer has flown by - I'm still working like a dawg, but I can sense that the end is nigh! Here's a more organized update (and then I'll explain my dilemma): Here's where things stand now, in early-mid September 2012: Second Mortgage Debt: $31,400::::$25,176. Student Loan Debt: $61,762::::$29,318. What would you do?

Debt 45

Debt Student Taxes January 45

Prairie Eco-Thrifter

MAY 10, 2012

’ Financial Planning Ashley presents Should I Get Married with Debt? The best part is, people interested in your work will pay you for rights to your photo. Income MMD presents What Did You Learn From Working as a Teenager? posted at Money Talks Coaching , saying, “Money and marriage. Readon for some great bonuses.

Money 113

Money May 2012 Debt 113

Prairie Eco-Thrifter

APRIL 17, 2015

A 2014 Money article What It Means to Be Middle Class Today reported that: “Jerry Love, who runs a certified public accountant firm in Abilene, Texas, and works with the middle class and the fabulously wealthy, says he has clients earning $300,000 to $400,000 annually who nonetheless consider themselves middle class.”

Polls 100

Polls New York City Wichita Debt 100

Prairie Eco-Thrifter

OCTOBER 21, 2012

Kristen from My Dollar Plan reminds us Why You Should Tell Your Family About Your Debt. Peter from Bible Money Matters shares 10 Tips to Save Money on Your Christmas Shopping and Avoid Going Into Debt. Moving when you’re young and looking for work almost always sucks because you are rarely moving toward a desirable location.

Personal Finance 219

Personal Finance Finance Debt Money 219

Finally Frugal

MAY 30, 2012

However, my earnings fluctuate monthly depending on how much teaching work I am offered - so I can never really predict until the month before how much money I will bring in. This creates some anxiety for me, though I am simply grateful for the extra work most days! Student Loan Debt: $61,762::::$39,070. this CAN be done.

Debt 40

Debt Student TV shows Goals 40

Prairie Eco-Thrifter

MAY 26, 2016

But, I wonder, will that work in today’s interest rate environment? Although we think of the Great Recession starting in early 2009, it wasn’t until 2013 that the 5 year CD interest rate fell below 1% – and has stayed there ever since according to Bank Rates interest survey data.

Money 124

Money Saving Money Lowes Grandchildren 124

For the Mommas

JANUARY 23, 2013

Saving more (52%), spending less (19%) and paying off debt (19%). Adrian Nazari, CEO and founder of CreditSesame.com , is available to talk about how consumers can start 2013 on the right financial foot, as well as discuss the top 3 financial resolutions and what consumers can do to address them including: Saving More.

Monitors 40

Monitors Credit Debt Consumer 40

Prairie Eco-Thrifter

JANUARY 10, 2017

She looked and looked for new work in her field, but just couldn’t land any of the few openings around. He was retired and unable to resume work. percent compared with the July 2013 through June 2014 midyear average, the U.S. Bureau of Labor Statistics (BLS) reported today. Average incomes also increased, up 6.6

Spendthrift 100

Spendthrift Economical Consumer Recession 100

Family Balance Sheet

JANUARY 17, 2018

2 Additional Goals: If we save the $10k early, we’d like to work on the following 2 goals. This is our very last non-mortgage loan and we send an extra payment every month as part of our Debt Freedom Plan. I’ll apply that money to the debt. You can read my original post: Our Debt Freedom Plan Begins. 2017 Update.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

Saving Cents With Sense

MARCH 25, 2013

My husband and I have worked to keep our credit clean, so we can have the best credit scores possible. Paying bills on time and managing debt are important steps to good credit. Contest Ends 3/28/2013. It hasn’t always been easy, but we know that this is a huge step in financial success, so we have made it a big priority.

Credit 75

Credit Finds Making Contest 75

Family Balance Sheet

JANUARY 8, 2020

By the end of 2019, I achieved one major bullet point and the others will continue to be a work in progress. My word was REDUCE: Non-mortgage debt to zero. There were hits and misses on this list, and many are things that I will continue to work on, but let’s recap: 1 – Reduce non-mortgage debt to zero.

Financial Goals 130

Financial Goals Goals 2020 2019 130

Prairie Eco-Thrifter

MAY 6, 2016

Author of Forbes article Why You Should Take Joel Greenblatt’s ‘Magic Formula’ Stocks Seriously , Charles Sizemore thinks it works, others don’t. Unfortunately, I was doing this from 2010 through 2013, part of the longest bull run we’ve had in the US recently.

401K 100

401K Money Emergency Fund Goals 100

Family Balance Sheet

AUGUST 11, 2014

Welcome to Debt Free Stories. She paid off $41,587 in debt in 14 months! I will be working one back in after the house project. How much debt did you pay off? What kind of debt was it? What inspired you to get debt free? I was inspired to get debt free for 2 main reasons: 1. Where are you from?

Debt Free 235

Debt Free Debt Mom Goals 235