Family Balance Sheet

MARCH 11, 2021

If your winter was as long and cold as mine, then you’re also looking forward to opening windows, breathing in the fresh air, and soaking up the sunshine. Do our goals still make sense now that we’re in the trenches of the new year? Did you use the S.M.A.R.T. Take a deep breath, spring is finally here!

Finance 130

Finance Cleaning Goals Insurance 130

Couponing 101

OCTOBER 22, 2019

Here are a couple of options that teachers can put to good use: Amazon Gift Card – An Amazon gift card can give teachers a huge selection of options for themselves or their classrooms. If you’re a teacher, what’s the best gift you’ve ever received? Let us know in the comments section below!

2019 49

2019 Holiday Gifts Gift Cards 49

Saving Everyday

OCTOBER 15, 2019

Black Friday 2019 will be here before you know it! If you’re heading out this year, I’ve got some tips to help you save money and have as stress-free of a day as possible. Black Friday 2019. The ads for the stores you’re going to. If you’re shopping in the store, get an early start.

2019 40

2019 Shopping Fridays Re-use 40

Couponing 101

MAY 2, 2019

Use promo code CINCO19 when ordering online and get a large 1-topping pizza for just $5.55. And on Sunday, May 5th, they’re giving away free t-shirts for the first 50 people in line. The post Where to Get 2019 Cinco de Mayo Deals appeared first on Couponing 101. Find a location near you. Hungry Howie’s Pizza.

Cinco De Mayo 61

Cinco De Mayo 2019 Beers Tacos 61

Family Balance Sheet

APRIL 9, 2021

At that time, our kids were 8 & 6, and now they’re both teenagers and wrapping up ninth & seventh grades. Number 4 was knocked out in 2019. We sent our very last payment to my husband’s student loan in September 2019, the same month I turned 50. We used Dave Ramsey’s debt snowball method. |

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Family Balance Sheet

FEBRUARY 6, 2021

We think we’ll use the money towards summer vacation. We’re converting our basement to a family room area and the original family room (in the pic above) is becoming a home office. We’re converting our basement to a family room area and the original family room (in the pic above) is becoming a home office.

Finance 130

Finance January Family 2020 130

Family Balance Sheet

JANUARY 20, 2023

The last time we wrote numbers-driven financial goals was 2019. <<— Once we paid off our non-mortgage debts in 2019, we started saving some of the debt snowball money for college savings. We used the snowball method to pay off our non-mortgage debts. My husband and I discussed some ideas over our holiday break.

Financial Goals 130

Financial Goals Goals Debt College 130

The Frugal Girl

SEPTEMBER 4, 2023

If you notice that your comments aren’t appearing, just send me an email and I can peek in the spam bin to see if you’re there. A built-for-a-lifetime bottle is best to be kept and used for a lifetime! I’m still carrying my metal water bottle that I got for free at Fincon in 2019.

Labor Day 209

Labor Day Spam Florida At&T 209

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. I think I started reading FG regularly in 2018 or 2019. I had a math teacher in high school who commonly used compounding interest examples in the classroom.

Money 191

Money Kids and Family Frugal Parenting 191

Family Balance Sheet

JANUARY 17, 2018

We blew through our health savings account, and now need to save another $10k so we’re not caught off guard if another emergency were to happen. This will take us most of the year. If nothing changes, this loan will be paid off by end of 2019, but I’d love to move that up and say adios to this loan! DONE – 6/1/2014.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

Couponing 101

APRIL 26, 2019

National Pretzel Day is Friday, April 26, 2019. Plus, enter to win free pretzels for a year by posting a Ben’s Pretzel photo to Instagram or Twitter using two hashtags: #NationalPretzelDay and #Benspretzels. Learn more at www.pretzelmaker.com/national-pretzel-day-2019. Talk about TGIF! Find a location near you.

2019 89

2019 Fridays Donation Psychology 89

Family Balance Sheet

FEBRUARY 1, 2019

One month down for 2019. We have only one financial goal for 2019 and we made some progress in January. If you’re new to writing a budget, read: How to Start a Budget (and be successful at it!). Use up all of those odd ingredients. How did you do with your financial goals in January? 5 – Plan ahead.

February 100

February Frugal Financial Goals Budgeting 100

Family Balance Sheet

APRIL 11, 2020

Pre-coronavirus, we didn’t think twice about shaking a stranger’s hand, using the ATM keypad, or going to the grocery store without donning a hazmat suit. I have been using it ever since. We’re taking life one day at a time because things are changing so rapidly. Emergency Savings = Last Resort.

Budgeting 246

Budgeting Budget Family Debt 246

Family Balance Sheet

JUNE 22, 2020

In September 2019, my husband and I accomplished our biggest financial goal in our almost 20 years of marriage. When that loan was paid off, we put that full amount towards the third loan and this continued until September 2019. We’re no spring chickens, so in November 2016, we started contributing again to our retirement.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Family Balance Sheet

MAY 6, 2020

What got us through financially? 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. I still use my spreadsheet to this day! I decided to use Dave Ramsey’s 7 Baby Steps as a guide and I wrote our first Debt Freedom Plan.

Debt 130

Debt Emergency Fund 2007 2020 130

Couponing 101

MARCH 26, 2019

We are a quarter of the way through 2019, and that means it’s time to check in on those new year’s resolutions! So starting on April 1, I’m holding myself to a strict spending limit using the envelope budget method. Do not use a credit or debit card! Step 1: Choose Your Target Spending Category.

Saving Money 88

Saving Money Money Used Budgeting 88

Saving Everyday

JANUARY 31, 2019

They’re easy to make, affordable, and come in several different varieties. They’re great both ways, and there are directions for both right on the package! You can use the sauce that comes with them or whip up a batch of my creamy soy-ginger sauce. In 2019, the Chinese New Year falls on February 5th.

New Year's 76

New Year's Re-use February 2019 76

Couponing 101

NOVEMBER 18, 2019

After all, who has time to tally how much they’ve spent when they’re already hunting for the next great deal? Just watch the news around Thanksgiving, and you’re likely to see hordes of people lining up well in advance of when stores open. Know How You Will Use Items. Don’t Get Too Competitive.

Fridays 58

Fridays Re-use Budgeting Budget 58

Family Balance Sheet

MAY 21, 2021

It took us years to pay it all off, but we achieved it in 2019. Your first assignment: Take the first step and calculate your debts by using my FREE Family Balance Sheet. For us, we valued camping and our daughters’ activities. Did you make a goal to pay off debt this year? 2 – Create your Debt Freedom Plan.

Debt 130

Debt Goals Debt Free Pay Off Debt 130

Couponing 101

NOVEMBER 22, 2018

Whether you like a leisurely walk or an intense hike, you’re bound to find a park that suits you. Arkansas State Parks is offering free admission to 12 of their parks on Friday, November 23, which they’re calling Green Friday. Snap and share your outdoor adventures with us using the hashtag #FreshAirFriday?

Fridays 40

Fridays South Carolina Virginia Delaware 40

Savings Corner

DECEMBER 24, 2023

The total bill would be about $6,300 — about 13% of your taxable income, even though you’re in the 22% bracket. Your state might have different brackets, or it might altogether use a different system. For example, if you’re a single filer in 2023 with $35,000 of taxable income, you would be in the 12% tax bracket.

Taxes 52

Taxes 2017 Bills 2018 52

Couponing 101

MAY 25, 2019

National Wine Day is Saturday, May 25, 2019! Winc The deal: The wine subscription service is offering $26 off when you use the code “MEMORIALDAY19.” Instacart The deal: If you’re in need of a little cheese for Wine Day, Instacart has a couple of offers available. What a way to kick off Memorial Day weekend.

Wine 65

Wine Food and Wine Cinco De Mayo Memorial Day 65

Couponing 101

FEBRUARY 13, 2019

If you’re still looking for affordable, last-minute Valentine’s Day gifts to make your loved ones feel extra special, check out these great CVS weekly ad deals. These deals actually stretch until 2/16, so if you’re the type to wait until the weekend to celebrate, you can shop all the way through Saturday.

CVS 53

CVS Chocolate Hersheys Re-use 53

Couponing 101

SEPTEMBER 23, 2019

Knowing more about the retailers you’re likely to purchase from can save you valuable seconds to help you snag the best deals. Only shop at websites you trust, avoid using public Wi-Fi when entering payment information, and make sure any website you shop at is secure. Sign Up to Receive Information from your Favorite Retailers.

Shopping 81

Shopping Motivation At&T Re-use 81

Couponing 101

FEBRUARY 1, 2019

If you’re stressing about what to get for that special man in your life, check out my top 10 Valentine’s gifts for him — all under $15! Perfect for adventurous outdoorsmen, upgrade their Apple Watch look with a rugged nylon band that can be unraveled up to 3 meters and used as a lifeline in survival situations!

Gifts 69

Gifts Sunglasses Phones Cars 69