Family Balance Sheet

APRIL 12, 2013

He has successfully inspired thousands of people to a life free of credit cards and debt. It just seemed easier to us to carry and use credit cards versus cash. We were using the cards to earn cash back on purchases that we needed to buy any way, so we were being smart about our spending. Or so we thought.

Credit Cards 100

Credit Cards Credit Debt March 100

The Frugal Girl

NOVEMBER 21, 2023

I don’t have time for anything very impressive right now! But still, it’s kinda nice that the 10th was free. So I only spent $1 out of pocket, and I didn’t even touch my $5 reward. ? I got a free drink at Panera (by accident) I went there after clinicals to work on some of my paperwork assignments.

Frugal 218

Frugal Copiers Credit Drinks 218

Family Balance Sheet

AUGUST 6, 2022

Winner Winner FREE Chicken Dinner! The value of the meal is $18, but the cash value of the 350 gas points for my vehicle is about $5.95–a great price for a dinner that I don’t have to cook! I haven’t bought non-clearance meat in months. Credit Card Cash Back Redemptions in July: $196.

July 130

July Frugal Credit Cards Donation 130

Family Balance Sheet

MARCH 23, 2020

Personally, to pass the unexpected free time, I’ve cleaned out closets and cupboards, taken walks, spent way too much time on social media, baked, cooked, and eaten way too many snacks. I could use some free ideas to do during the quarantine and to keep boredom at bay. FREE Things to Do During the Quarantine! Any device.

Credit Cards 162

Credit Cards Zoo Museum Education 162

The Frugal Girl

MARCH 5, 2024

I used a free $10 at Victoria’s Secret I signed up for their credit card ages ago (probably back when they still sent out catalogs. So I just always pop in and use them to get some free undies. I don’t have a picture of the finished product, but here’s what it looks like with the patch sewn in.

Frugal 216

Frugal Sewing Tickets Student 216

For the Mommas

JANUARY 20, 2016

Credit Card Rules You Should Live By. Ah, the credit card. That magical card of freedom. You may have gotten your first card in college, before you had any salary at all but just in time for that upcoming spring break trip: clothes, gas money, hotel…and then, one month later… BOOM! Just say no.

Credit Cards 40

Credit Cards Credit Debt Equal 40

Family Balance Sheet

APRIL 1, 2015

Today’s Debt Free Story is from Brian. We have involved our children in our money discussion once we decided to become debt free. It was all consumer debt spread over 5 credit cards. What inspired you to get debt free? We cut up our credit cards and never used them again. Where are you from?

Debt 100

Debt Credit Cards Debt Free Credit 100

Savings Corner

DECEMBER 25, 2023

If you don’t have a credit history, it’s hard to get a loan, a credit card or even an apartment. But how are you supposed to show a history of responsible repayment if no one will give you credit in the first place? There are also ways to use rent, phone and utility payments to build credit.

Building 52

Building Credit Credit Cards Taxes 52

Family Balance Sheet

NOVEMBER 2, 2022

Our goal is to NOT put our Christmas purchases on a credit card. January will be one giant nightmare when the credit card bills start rolling in. We set aside money each month throughout the year for gift spending, but that wasn’t always the case. Hopefully, that’s your goal too. Teach tennis lessons.

Christmas 130

Christmas Finds Friends And Family Sale Donation 130

For the Mommas

MARCH 22, 2020

Free 3-Months of SiriusXM. If you own a vehicle with a Sirius radio, but don’t currently have it enabled you could get 3 months of SiriusXM for free ! No credit card required. Continue reading Free 3-Months of SiriusXM at FTM. Continue reading Free 3-Months of SiriusXM at FTM.

Satellite Radio 64

Satellite Radio Radios Credit Cards Credit 64

Prairie Eco-Thrifter

SEPTEMBER 3, 2013

What if I told you I am able to take a free vacation or trip at least once a year? I would be doubtful too if someone told me that, but the truth is that it’s rather easy to do if you have a rewards credit card and work hard to maximize your earning potential with it. Pay recurring bills with the card.

Vacation 200

Vacation Credit Cards Frugal Airline 200

Saving Everyday

JANUARY 8, 2013

You get your FREE Credit Score & Analysis from CreditSesame – NO credit card needed and you don’t have to sign up for any free trial! It’s imperative to check your credit report at least once a year to correct errors and detect unauthorized activity. Get yours here!!

Credit Cards 55

Credit Cards Credit Activism At&T 55

Penny Pinchin' Mom

MARCH 11, 2024

We know that saving for a rainy day isn’t just a phrase our grandparents used to throw around. I can’t help you with the self-discipline end of things; I’m still learning that myself. When you see the cash flying out of your wallet, you won’t be so eager to spend it. But you and I know better. Believe me!

Saving Money 52

Saving Money Money Saving Credit Cards 52

Family Balance Sheet

SEPTEMBER 9, 2014

Welcome to Debt Free Stories. Quitting my job is one of the things being debt free has enabled us to do. If you want to become debt free, I’m here to tell you it is TOTALLY worth all the time, effort, and frustration. But it wasn’t a decade of nothing but paying off debt. What inspired you to get debt free?

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Family Balance Sheet

AUGUST 21, 2020

Knowing all of these numbers doesn’t mean that there won’t be messiness with your money. Become an email subscriber and get a FREE Family Balance Sheet Excel Spreadsheet download. Create your own Family Balance Sheet: I offer a spreadsheet free to email subscribers. You could also use a recent appraisal.

Family 241

Family Debt Finance Kids and Family 241

Saving Everyday

AUGUST 13, 2012

You get your FREE Credit Score & Analysis from CreditSesame – NO credit card needed and you don’t have to sign up for any free trial! It’s imperative to check your credit report at least once a year to correct errors and detect unauthorized activity. Get yours here!!

Credit Cards 45

Credit Cards Credit Activism At&T 45

Prairie Eco-Thrifter

FEBRUARY 2, 2014

In addition, you’re left with the burden of proving you are really you and that you didn’t charge up thousands of dollars. In addition to stealing credit card numbers , Target now admits that thieves were able to also get people’s names, mailing addresses, e-mail addresses, and phone numbers. Use cash only?

Identity Theft 228

Identity Theft Credit Freezers Credit Cards 228

Family Balance Sheet

OCTOBER 15, 2021

I don’t recall why I never used the account, but I guess it just slipped my mind. Side Note #1: I do not advocate the use of credit cards unless you are able to pay off the balance every month so as not to incur fees and charges. It’s FREE! Instead, it is my honest review. Hello, 2020.

College 130

College Used 2020 Saving 130

Family Balance Sheet

SEPTEMBER 2, 2022

For starters, I didn’t donate plasma this month and that is usually my biggest source of extra cash. Lately, the line has been really long to get in and I wasn’t in the mood to stand in it. FREE Shredding! Coincidently, our credit union was offering a free shred day AND free breakfast for participating.

August 130

August Frugal Green And Frugal Financial Goals 130

Savings Corner

DECEMBER 27, 2023

MORE ABOUT THE CARDS FEATURED ON THIS PAGE Use the buttons at the top of the page to see cards in different categories. Top balance transfer credit cards BankAmericard® credit card: 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account.

Credit Cards 52

Credit Cards Credit December Airline 52

Prairie Eco-Thrifter

JULY 9, 2013

I learned that sometimes it isn’t fun to work, but that you just buckle down and do it anyway. Although my parents didn’t seem to make specific efforts to teach me financial lessons, their behavior modeled several. They didn’t use credit (I’m not even sure they ever had a mortgage!)

Used 228

Used Parenting Credit Cards Debt 228

Family Balance Sheet

DECEMBER 29, 2020

I found a lot of printable (pdf) budgets, but couldn’t find a spreadsheet that I liked. Years ago, there was a month where I hadn’t planned on a large property tax bill and I wasn’t sure where we were going to find the money. One January, we received a very large credit card bill in the mail.

Budgeting 130

Budgeting Budget Family Property Taxes 130

Couponing 101

MAY 14, 2019

Read on to learn all about My Best Buy, My Best Buy credit cards, sales, price match, open-box deals, and trade-ins. Get a Free My Best Buy Membership. Becoming a My Best Buy member is free and provides big benefits. Your closet or basement doesn’t have to become an electronics graveyard! Shop Open-Box Deals.

Saving Money 74

Saving Money Money Buy Buying 74

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%. At that time, we didn’t consider all debt to be dumb. At that time, we didn’t consider all debt to be dumb. We thought we were doing really well. That’s a necessity.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

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

NOVEMBER 26, 2014

Our goal is to NOT put our Christmas purchases on a credit card. January will be one giant nightmare when the credit card bills start rolling in. To be honest, we set aside money each month throughout the year for gift spending, but that wasn’t always the case. Hopefully, that’s your goal too.

Christmas 235

Christmas Finds Part Time Thrift Stores 235

Prairie Eco-Thrifter

NOVEMBER 26, 2013

People who wait this long usually aren’t shopping for the perfect gift; instead, they’re just looking to give ANY gift so the people in their lives will know that they care. If you are going to shop online, try to use a credit card. A credit card can protect you and your purchases thanks to Section 75.

Christmas 203

Christmas Shopping Gift Cards Credit Cards 203

Saving With Shellie

DECEMBER 27, 2014

Today Google Play is offering a FREE download of the Frozen Soundtrack. To get this download, click the FREE button at the top. Don’t click each individual song because those are $1.29 Also, Google Play requires you have your credit card information on file. Find more Freebies I’ve posted recently.

Frozen 81

Frozen Credit Cards Frugal Lives Frugal Living 81

Prairie Eco-Thrifter

MAY 30, 2012

Don’t forget to enter to win an iPad 3 here at PET. Having Multiple Credit Cards Buying with credit cards leads to spending more than you earn and we all know where that leads. Interest rates on credit cards are usually the highest around so you are actually paying many times what the item is worth.

Money 235

Money Emergency Fund Debt Financial Goals 235

Couponing 101

FEBRUARY 4, 2019

Read on to learn all about Sam’s Club membership , Instant Savings Book , Last Chance Buys and member credit card perks. Even without any of the other perks and savings tricks I’m going to talk about below, the prices in Sam’s Club are so low you can’t afford to not stock your house here.

Club 75

Club Saving Money Shopping Money 75

Family Balance Sheet

SEPTEMBER 17, 2021

For me, it wasn’t about making my life easier, but rather, making my family’s life easier if they needed vital information in the case that I am incapacitated or just not available. I’m not sure why I didn’t complete it in 2020, since I had more free time than usual, but I finally got the project done in 2021.

Family 130

Family Financial Goals 2020 Insurance 130

Couponing 101

JANUARY 15, 2019

59.99), plus free shipping on orders $35 and up! And don’t forget to use your My Best Buy® Credit Card to earn 5% Back in rewards (6% for Elite Plus) on all your purchases at Best Buy. Get Call of Duty: Black Ops 4 for $29.99 (reg. Please read our disclosure policy here.

Credit Cards 55

Credit Cards Video Games Games Finance 55

Penny Pinchin' Mom

DECEMBER 17, 2023

From a personal point of view, I much prefer living debt free. It got to a point where my savings weren’t mentally registering as my savings but as my potential debt reduction. It’s a dangerous game to play because we always need savings, but my mind just wouldn’t let it be.

Pay Off Debt 52

Pay Off Debt Debt Emergency Fund Financial Goals 52

Couponing 101

JANUARY 22, 2019

Right now Best Buy is offering up to $100 off the Apple Watch Series 3 plus free shipping! That means that while this deal is going, you can essentially upgrade to a cellular-enabled Apple Watch for free! You don’t have to rudely look at your phone when you get a text during dinner to see if it’s urgent.

Watches 64

Watches Credit Cards Phones Activism 64

Prairie Eco-Thrifter

FEBRUARY 3, 2016

While my spouse and I were in the throes of child rearing we didn’t think much about providing an intentional or structured set of lessons around personal finance. No, we can’t get you that splendid new electronic toy your friends have. No, we can’t get season passes to the amusement park.

Work 100

Work Kids Bank Banking 100

Savings Corner

FEBRUARY 2, 2024

FULL LIST OF EDITORIAL PICKS: BEST AIRLINE CREDIT CARDS Before applying, confirm details on the issuer’s website. Delta SkyMiles® Gold American Express Card Our pick for: Delta Air Lines The Delta SkyMiles® Gold American Express Card pays bonus rewards not only on Delta flights but also at restaurants worldwide and at U.S.

Airline 52

Airline Credit Cards Credit February 52

Prairie Eco-Thrifter

SEPTEMBER 2, 2011

There are plenty of money tips for college freshman but I just have three: watch your pennies, start a budget and don’t open a line of credit. Credit Cards for College Students. It is really important to build your credit and a large part of your credit history is dependent on the average age of accounts.

College 180

College Money Student Budgeting 180