Family Balance Sheet

MAY 6, 2020

Our emergency fund. I am totally paraphrasing the year, but had it not been for the money in our emergency savings, we would most likely have used credit cards to survive. We reduced our spending where we could, but the money to pay any shortfall each month came from our emergency fund. It kept me up at night.

Debt 130

Debt Emergency Fund 2007 2020 130

Family Balance Sheet

JANUARY 26, 2016

2016 will be THE year. That was the month I didn’t know if we had enough funds to cover our expenses. Guidelines for 2016: 1. We have some home projects that we need to do and we have already set aside the funds. We will cut back, but it is unrealistic for me to say we won’t eat out at all this year.

Financial Goals 100

Financial Goals Goals 2016 Debt 100

Family Balance Sheet

JANUARY 17, 2018

We will need to cut back on dining out, but it is unrealistic for me to say we won’t eat at restaurants this year. I’ll do my best to follow my own advice, 10 Ways to Save When Eating Out , and we will bring snacks, bag lunches, and drinks on road and errand trips to save money. 2016 Update. 2017 Update.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

Family Balance Sheet

JUNE 22, 2020

As part of his baby steps, he does not advocate contributing to retirement until after you’ve paid off non-mortgage debts and saved 3-6 months of expenses in an emergency fund. We’re no spring chickens, so in November 2016, we started contributing again to our retirement. Health Sharing Ministry.

Debt 130

Debt Health Insurance Insurance Budgeting 130

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. And we were on a roll in January 2016. We had quite a bit of momentum coming out of 2015 and I never doubted our own abilities. Oh, and I turned 47 and my husband turned 55 in 2016.

Debt 100

Debt 2017 Student 2016 100