Prairie Eco-Thrifter

JUNE 25, 2013

Figure a much more conservative rate of return, between 5% and 7%, for stocks. Before you make changes to your retirement plan, ask yourself why you want to change things up. If you can’t come up with reasons based in fundamental analysis, consider sticking to your plan. Change the Plan Due to Fear.

Making 201

Making United States Taxes Health Care 201

Family Balance Sheet

APRIL 9, 2021

But Dave Ramsey’s view of debt is very different. Debt is Dumb and Cash is King.”. “…and and the borrow is the slave of the lender”, Proverbs 22:7. At that time, we didn’t consider all debt to be dumb. We agreed that credit card debt wasn’t very smart, but a car loan? He calls it his 7 Baby Steps.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Prairie Eco-Thrifter

MAY 1, 2013

If things go south in the years immediately leading up to your retirement, and during the first years of your retirement, counting on those types of returns can be problematic. However, this rule of thumb presumes a 7% annual return while assuming that inflation is 3%. The costs really start to add up.

Life Insurance 213

Life Insurance Insurance Debt Property Taxes 213

Family Balance Sheet

APRIL 2, 2022

If you think you’re going to come up short on cash, check out my 25 Ideas to Find Money. – Fire up the backyard fire pit and invite your friends and neighbors. – Turn the screens off and get outside. This is a year-round program, but the 2022 summer dates are June 4 & 5, July 2 & 3, and August 6 & 7.

Budget 130

Budget Budgeting Friends And Family Sale Home and Garden 130

Family Balance Sheet

JUNE 2, 2016

I ended up landing a job that paid considerably more than any other that I’d done – but that required 55+ hours weeks and anti-social hours. For example I got up at 3.45 Every month I would divide up my money carefully, and every month I would fail. How did you celebrate when you became debt free?

Debt 100

Debt Finds Debt Free Pay Off Debt 100

Family Balance Sheet

DECEMBER 10, 2014

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? After my first marriage fell apart, I ended up with over $14,000 of consumer debt, made up of a car loan and credit cards.

Debt 227

Debt Debt Free Financial Goals Goals 227

Family Balance Sheet

SEPTEMBER 29, 2016

I’m a Grade 7 teacher and my husband is a Mac Tools distributor. How much debt did you pay off? What kind of debt was it? When I sat down and added it all up, we were facing $58,704.10 worth of debt. What inspired you to become debt free? How long did it take you?

Debt 100

Debt Debt Free Budgeting Budget 100

Family Balance Sheet

JUNE 22, 2020

By the summer of 2013, we found ourselves in a pickle–we had too much debt and not enough cash flow. Overwhelmed with everything, I wrote our first Debt Freedom Plan based on Dave Ramey’s 7 Baby Step strategy but tailored to our lifestyle. We spent the next 6 years focused on paying off all of our non-mortgage debts.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Saving Cents With Sense

JANUARY 1, 2016

I know many of you are in similar situations of needed to save, but wanting to pay off debt, and eventually be able to put money in savings. Although I don’t claim to be an expert, I have learned many money saving tips through the past 7 years of running this frugal blog.

Saving Money 40

Saving Money 2016 Money Pay Off Debt 40

Savings Corner

DECEMBER 27, 2023

This type of loan is usually unsecured, meaning you don’t have to put up property like a house or car as collateral for the loan. Ideally, getting one positively impacts your overall financial health, by helping you pay off debt faster, for example, or adding to the value of your home. What is a personal loan?

Debt 40

Debt Home Improvement Consumer Credit 40

Family Balance Sheet

JUNE 16, 2015

I ended up spending the remainder of my pregnancy using a cane. The fear of losing my baby led to the desire for me to be a stay at home mom, but I knew that would never work if we were in such debt. What are the top 3 – 5 ways you found money to put towards debt. We gave up a lot of things. It was laughably bad.

Debt 100

Debt Debt Free Finds Goals 100

Family Balance Sheet

AUGUST 5, 2015

We decided to declare it our year of health and align our diets and become more healthy, invest more in our community at church and clean up our finances. Did you follow a particular debt freedom plan or book, such as Dave Ramsey or Debt-Proof Living? What are the top 3 – 5 ways you found money to put towards debt.

Debt 100

Debt Debt Free Finds Finance 100

Family Balance Sheet

FEBRUARY 2, 2017

If you figure that out you can then work to find healthier ways to fill the void and you can free yourself permanently from the bonds of debt. We tend to get so wrapped up wishing and dreaming about the end result that we never start the process. Related Reading: Chris’ post: The 7 Cash Myths We Avoided to Save $27k.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Family Balance Sheet

JUNE 8, 2018

Many years ago, our cash flow sucked, we put Christmas on a credit card, and I wasn’t sure how I was going to pay for a large tax bill. I came up with strategies to help us pay for yearly bills, large expenses, and we were able to pay off debts. During that time, I started to budget for everything.

Budget 133

Budget Budgeting Financial Goals Goals 133

Family Balance Sheet

APRIL 12, 2016

Today’s Debt Free Story is from Jessica. She owns Every Single Dollar , an online financial resource dedicated to helping single women make informed financial decisions and set themselves up for financial success. I was very excited about it and ended up buying Dave Ramsey’s book, The Total Money Makeover.

Credit Cards 100

Credit Cards Debt Debt Free Student 100

Family Balance Sheet

AUGUST 4, 2014

When Jon and I were married, we acknowledged that high paying careers were not on the docket for us, knowing that we wanted to have both comfortable and generous lives we decided that we would have to be incredibly diligent with our resources. The first step in this diligence was paying off debt. Jon asked for a raise.

Debt Free 243

Debt Free Debt Goals Student 243

For the Mommas

JULY 24, 2016

You can use the difference in income to pay off debt, save or invest. You can end up well ahead in the long run. You can save yourself hundreds, even thousands, a year by breaking up with your cable provider and signing up for an online streaming service. 20 Tips for Frugal Living. Brown bag it to work.

Frugal Lives 49

Frugal Lives Frugal Living Frugal Magazine and Newspaper Subscriptions 49

Family Balance Sheet

JULY 2, 2015

We had been paying on it our entire marriage, but could not afford to pay too much above the minimum payment requirement. We ended up buying a house from a relative, which put us in even more debt. But in the end, we ended up making enough profit to pay off our debt entirely and still put some into savings!

Student 100

Student Debt Debt Free Finds 100

Family Balance Sheet

JANUARY 7, 2015

We were debt free before I was 30 , including our home. The only debt we had was a mortgage – however when we first got married we were stupid and bought a Mercedes. We ended up using my remaining collage savings to pay that off. 5 every day for lunch could pile up quickly…and quit Starbucks.

Debt Free 100

Debt Free Debt Budgeting Budget 100

Family Balance Sheet

AUGUST 11, 2016

After I hit 40, I took up long distance running to stay fit, something I never considered in my 20’s or 30’s. We charted out our course of action to pay off debts and start saving for retirement. It’s FREE when you sign up here for my weekly newsletter. I really am enjoying this decade though.

Emergency Fund 100

Emergency Fund Money Finance Debt 100

Family Balance Sheet

JANUARY 20, 2017

talked about what went out that day, what was coming up, or if something. came up that day that made us need to tweak some of our other budget. grocery money we took out cash every pay day. up one thing.” ” It’s amazing how much money was freed up when I stayed. towards paying off your debt.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Prairie Eco-Thrifter

OCTOBER 15, 2011

Live Real, Now: Make Extra Money, Part 6: Setting Up a Site In this installment of the Make Extra Money series, LRN is going to show you how to set up a WordPress site. Don’t Quit Your Day Job: Refinance Your Mortgage and Pay the Same Amount? Here are some purchases that turned out to be better than expected!

October 200

October 2011 Finance Personal Finance 200