Motherhood Moments

MARCH 4, 2023

In this blog post, we'll share some of the top financial habits that can help you improve your financial mindset and reduce your chances of falling head over heels in debt. Smart money hacks for the debt-averse individual Here are some of the easiest and most effective strategies to get you started on the road to financial success.

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Debt Money Building Credit Cards 130

Family Balance Sheet

FEBRUARY 16, 2016

Our emergency fund has saved us countless times and it will save us once again with the truck. And while I don’t like parting with our money, I am grateful that this repair won’t send us into financial distress. Follow these three action steps and the list of ideas below to find the cash for your fund.

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Family Balance Sheet

OCTOBER 18, 2019

Our Debt Freedom Plan has been a long winding road. The journey started in 2012 when we bought an office building for our business and then found ourselves with a lot of debt and not enough cash flow. To ease my anxiety about our new loans, we took the Financial Peace University home course and it changed how we thought about debt.

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Debt 2019 Financial Goals Emergency Fund 100

Penny Pinchin' Mom

DECEMBER 17, 2023

The post The Age Old Question: Should You Pay Off Debt or Save? Should you pay off debt or save? So, you want to get started on debt repayment so you can focus on other financial goals? However, if you pay off these debts, there will be nothing left for investments in these tough financial times.

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Pay Off Debt Debt Emergency Fund Financial Goals 52

Family Balance Sheet

OCTOBER 13, 2014

We’ll talk about cash flow, budgets, debts, and all of the nitty gritty of our finances that might not be fun to talk about, but are so important to discuss. We reduced our spending where we could, but the money to pay any shortfall each month came from our emergency fund. What is an Emergency Fund.

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Family Balance Sheet

NOVEMBER 5, 2014

Welcome to Debt Free Stories. How much debt did you pay off? What kind of debt was it? The debt consisted of my student loans and a car loan. What inspired you to get debt free? When my wife and I got married, we both made the decision that our first financial priority would be becoming debt free.

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Debt Free Debt Emergency Fund Finance 241

Family Balance Sheet

SEPTEMBER 9, 2014

Welcome to Debt Free Stories. She and her husband paid off $147,000 in debt–including their home. After paying off the debt, she was able to quit her job to pursue her passion. She blogs at The Debt Myth. Quitting my job is one of the things being debt free has enabled us to do. How much debt did you pay off?

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Debt Debt Free Pay Off Debt Financial Goals 236

Family Balance Sheet

MARCH 19, 2014

Prior to FPU, we thought we were doing well financially and never considered that we had too much debt. We didn’t have credit card debt, we paid off our car notes early, and the interest rate on the student loan was at a low 2.75%, so we thought we were doing okay. But Dave Ramsey’s view of debt is very different.

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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 written often about the importance of an emergency fund. Fortunately, we won’t be driving much. Post-coronavirus, not so much!

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Budgeting Budget Family Debt 246

Prairie Eco-Thrifter

SEPTEMBER 13, 2011

Living your dream life debt free requires a simply task of going back to Grade 1 math lessons and applying the concepts. Likewise, in your adult life, you can think of the first number representing the source of your monthly income and the second depicting debt or expenses – you need to borrow from another in order to complete the operation.

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Penny Pinchin' Mom

DECEMBER 17, 2023

Of course, budgeting isn’t all about sucking the fun out of everyone’s existence and putting family life on hold. You can’t… I should say you shouldn’t do it alone. It should be 6x that, and then you have your minimum emergency fund figure. That’s nowhere near enough!

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Finance Tips Finance Emergency Fund Life Insurance 52

Family Balance Sheet

SEPTEMBER 29, 2016

I watched her and her husband’s debt free scream on The Dave Ramsey Show. You can find Angela at her You Tube channel, Our Life…on a Budget , where she vlogs about getting out of debt and staying there! Angela & Jeff’s Debt Free Story. How much debt did you pay off? What kind of debt was it?

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Debt Debt Free Budgeting Budget 100

Family Balance Sheet

JANUARY 21, 2015

Today’s debt free story is from Aja. How much debt did you pay off? What kind of debt was it? We paid off about $110K worth of debt. It wasn’t until the last 2 years that we got serious. We paid down mostly student loans, vehicles and business credit card debt ( we already own a home outright ).

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Debt Debt Free Las Vegas Finance 100

Family Balance Sheet

AUGUST 11, 2016

And by over 40, I mean I’m on the down slide to 5……nope, can’t quite type that number just yet. But I realize that it’s not all rainbows as retirement years aren’t that far away. Another friend chimed in, “we’ll never stop working, retirement isn’t possible.”

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Prairie Eco-Thrifter

JANUARY 10, 2013

Working to build your emergency fund? Read up on emergency fund basics at Money Smart Guides. If you’re currently balancing your debt payoff and savings efforts, Canadian Budget Binder highlights the reason why it’s important to get out of debt first before saving. Hi everyone.

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Emergency Fund Debt Student Fridays 193

Prairie Eco-Thrifter

MAY 30, 2012

Don’t forget to enter to win an iPad 3 here at PET. Increasing your credit card limit is really increasing your debt, or at least your exposure to debt, so say ’No!’ Not Having an Emergency Fund It is dangerous to spend every cent you earn and not to have buffer against illness, injury, job loss or hard economic times.

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Money Emergency Fund Debt Financial Goals 235

Prairie Eco-Thrifter

SEPTEMBER 16, 2013

This can breed short sightedness as you struggle to deal with your debt. We all know how powerful debt snowballing can be, with small amounts adding up over time to pay off a big portion of debt, and the reverse is true with small portions of spending adding up overtime to wreak havoc on your finances. Short-sightedness .

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Personal Finance Finance Consumerism Debt 222

Family Balance Sheet

JUNE 30, 2015

At the time, I wasn’t sure how we were going to pay our monthly bills, so future plans like funding our retirement , our daughters’ college education, or a lavish vacation were not on my mind. And that future didn’t look bleak, in fact, it looked very bright. Our Financial Goals: Pay off our non-mortgage debt.

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Penny Pinchin' Mom

JANUARY 16, 2024

However, if you have been following me, you know that I am quite serious about finding ways to not only get out of debt but also how to create a budget (and stick to it) as well as how to save money without necessarily depriving your family of the quality of life they deserve. So you aren’t alone! What Is Your Current Net Worth?

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Personal Finance Finance Tips Finance Mom 52

Prairie Eco-Thrifter

JANUARY 16, 2014

Those of us who had stocks , bonds, and mutual funds saw our net worth rise, but many (perhaps as many as 50% of us, according to CNN Money article M illions see no benefit from soaring stock prices ) missed out. If you don’t have any stock market investments, how can you get in on the action? Ask for stocks as a gift.

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Emergency Fund Debt Money Father 184

Family Balance Sheet

JANUARY 20, 2017

I love her passion for helping others along their debt free journey. Krystal & Josh’s Debt Free Story. How much debt did you pay off? What kind of debt was it? It took us four years, but we paid off over $80,000 of debt! We are debt. Grad school ain’t cheap, y’all! towards debt.

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Debt Debt Free Friends And Family Sale Budgeting 100

Family Balance Sheet

FEBRUARY 2, 2017

They pay off mountains of debt and scream about debt freedom, or maybe they save gobs of money in a record amount of time, or they have considerable success with their new small business. These folks didn’t corner the market on goal success either, instead they just got the task DONE. with their goals.

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Financial Goals Goals Debt Budgeting 100

Family Balance Sheet

FEBRUARY 4, 2015

Today’s Debt Free Story is from Shannon. How much debt did you pay off? What kind of debt was it? As many students do these days, we had tens of thousands of dollars of debt by the time we graduated with our Masters degrees. At the point when we finally got serious about paying off our debt we had $22,047 left.

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Debt Free Debt Financial Goals Budgeting 100

Prairie Eco-Thrifter

JULY 10, 2014

I don’t like budgets myself, and actually refer to what I do with my money as a “ spending plan.” Would you feel a weight lifted if you could pay off your high-rate consumer debt? Then, stop spending money on stuff that doesn’t fit with your core values. One of the hardest things to stick to is a budget.

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Family Balance Sheet

JANUARY 26, 2016

As God is my witness, it WILL be the year that we pay off the last of our non-mortgage debt. That was the month I didn’t know if we had enough funds to cover our expenses. I wouldn’t wish that feeling on my worst enemy. Fortunately, I’ve never met a goal I couldn’t handle. Restaurants.

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Financial Goals Goals 2016 Debt 100

Prairie Eco-Thrifter

MAY 25, 2014

” and “Why aren’t you doing THIS?” Me from 15 years ago would get an earful about what not to do, and advice on budgeting and saving and staying out of debt. These are lessons that I try to impress upon my son because I don’t want him to make the same mistakes I made 15 years ago.

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Money Giving Las Vegas Credit Card Rewards 209

Prairie Eco-Thrifter

JULY 4, 2011

When I was in Asia in April I was reminded that many people in this world aren’t given the option to choose. Philip from Deliver Away Debt shares his story: How I Delivered Away My Debt. Telling ourselves we can’t do something is just an excuse to not try. Don’t worry, there are options.

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Personal Finance Finance Family Debt 240

Prairie Eco-Thrifter

OCTOBER 24, 2013

No matter where you live, buying a home is a big commitment, so you shouldn’t enter into the transaction lightly. There are those who believe that a home doesn’t make a particularly good financial investment, but that it can be a great emotional/personal investment. You don’t want to end up “house poor.”

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Prairie Eco-Thrifter

MAY 27, 2012

Don’t forget to enter to win an iPad 3 here at PET. Like I state on my About page , I was in debt and living a life that didn’t satisfy me. Statistics show that nearly one in two Americans are in serious financial problems due to their debt levels. Do you know if you are heading for financial disaster?

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Emergency Fund Credit Cards Budgeting Budget 212

Saving In Akron

MARCH 9, 2011

I decided to go with the Kia because both my husband and I liked its sportier look, and you just can't beat the warranty. Drive over to the Kia dealer – they tell me the car isn't ready yet. So, we head out to eat so I don't have to come back. My daughter continues to carry on that she can't sleep.

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Emergency Fund Daughter Cars Car 100

Prairie Eco-Thrifter

AUGUST 10, 2014

If your home burns down and you don’t have coverage, you’re left with nothing.” Most of us can’t just pull out cash for a new car when the old one is totaled. Renters insurance makes sense for those who wouldn’t be able to replace the items in their apartment or rental home on their own, just paying cash.

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Insurance Life Insurance Health Insurance United States 193

Family Balance Sheet

JUNE 22, 2020

It was so big that I cried for two days straight– we paid off six figures in non-mortgage debts. How we got to six figures of non-mortgage debt: In the summer of 2012, we found an opportunity to purchase an office building for our small business. After the first year, the new business debt weighed on me.

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Debt Health Insurance Insurance Budgeting 130

Prairie Eco-Thrifter

FEBRUARY 4, 2014

My husband and I were graduate students with loans and credit card debt, and we were certain that a higher income would solve all of our problems. However, this isn’t always the case. While these things aren’t necessarily bad, we discovered that the mindset that came with a higher income was, “We can afford this!

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San Francisco Emergency Fund Money Utah 248

For the Mommas

JANUARY 19, 2016

Get Rid of Debt. If you are one of the many people who have a little or a lot of debt accumulated through credit cards or other ways, use this opportunity to pay some of it back. Paying off your debt now will lighten your load in the future and reduce money paid by you in the long term due to reduced interest on your loans.

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Taxes Emergency Fund Debt Money 40

Prairie Eco-Thrifter

SEPTEMBER 4, 2011

Many people are still trapped in debts and financial insufficiency due to the wrong formula or mindset they’ve been following ever since they got employed. Get Out of Debt. Debt; a simple four-letter word but deadly. Many relationships have been ruined by debts. Have you experienced much obscurity when in debt?

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Family Financial Goals Debt Goals 196

Prairie Eco-Thrifter

OCTOBER 21, 2012

They aren’t concerned about the latest deal, craze or freebie. Kristen from My Dollar Plan reminds us Why You Should Tell Your Family About Your Debt. If you don’t see it, you won’t miss it.” ” Jacob from Dwindling Debt asks Do Overdraft Chargers Affect Your Credit.

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Personal Finance Finance Debt Money 219

Family Balance Sheet

JANUARY 1, 2015

Most of them are related to our small business, my husband’s chiropractic office, but last January I got a bee in my bonnet about debt…thank you, Dave Ramsey. I tricked …nudged my husband into following along and together we wrote out our Debt Freedom Plan. I don’t want to wait years. Debt Free Stories.

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