Family Balance Sheet

JANUARY 25, 2019

I promise I won’t start reciting Christmas carols, but while the holidays are still somewhat fresh in our minds, I think it would be a good idea to start planning for Christmas 2019. Did you use cash or put your purchases on a credit card? A credit Christmas equals: a “how are we going to pay for this” Christmas.

2019 100

2019 Club Christmas 2018 100

Family Balance Sheet

APRIL 9, 2021

We didn’t carry over credit card balances, we paid off our car notes early, and the interest rate on the student loan was at a low 2.75%. We agreed that credit card debt wasn’t very smart, but a car loan? Number 4 was knocked out in 2019. Update: DONE Sept 2019!! DONE November 2019. A student loan?

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Family Balance Sheet

MAY 6, 2020

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’d survived the dip in 2007, carried no credit card debt, and we were contributing to our retirement. We celebrated the achievement with a trip over Thanksgiving.

Debt 130

Debt Emergency Fund 2007 2020 130

Couponing 101

NOVEMBER 18, 2019

Just watch the news around Thanksgiving, and you’re likely to see hordes of people lining up well in advance of when stores open. Plus, as long as you stick to your budget, you might not feel such overwhelming dread when your credit card bill arrives. Don’t Get Too Competitive. Know How You Will Use Items.

Fridays 58

Fridays Re-use Budgeting Budget 58