Family Balance Sheet

NOVEMBER 19, 2014

Daniel can work anywhere there is an internet connection and the kids can homeschool anywhere, but we didn’t have the money to buy the plane tickets or book AirBnB apartments. We followed Dave Ramsey’s baby steps. We sold our house so now we are on Baby Step 4! It’s feels nice to spend money on a date night out.

Debt 245

Debt Debt Free Finance Friends And Family Sale 245

Saving Cents With Sense

MARCH 7, 2014

Don’t forget to take a coupon to help you save when you eat out. There are some pretty good deals this week, so check out the list below and grab the ones you want. Corner Bakery – Free Baby Bundt Cake WYB Lunch or Dinner Entree (exp: 3/25/2014). Bonefish Grill – $10 Off 2 Lunch Entrees (exp: 3/29/2014).

Restaurant 58

Restaurant Gardening Garden 2014 58

Prairie Eco-Thrifter

AUGUST 19, 2013

In Huffington Post article Boomers Give New Meaning To Spoiling The Grandkids author Linda Stern reported: “Roughly 36 percent of the grandparents surveyed by AARP said “spoiling (grand)children by buying them too much” was a part of a grandparent’s financial role.”. Our kids need the help.

Grandchildren 220

Grandchildren Grandkids Kids and Family Parenting 220

Saving Cents With Sense

JANUARY 3, 2017

It is an eye-opening experience and will allow you to figure out what you can cut back on, as well as what is a necessary expense. What about eating out? Avoid impulse buys. And when you are eating out, you can find a restaurant near you that offers FREE kids’ meals by visiting KidsMealDeals.com.

New Year's 40

New Year's Saving Bills Emergency Fund 40

Saving Cents With Sense

OCTOBER 23, 2015

Don’t forget to grab a coupon to save on eating out. Bob Evans – Buy 1 Get 1 Free Breakfast Entree When You Buy 2 Drinks (exp: 10/31/2015). Corner Bakery – Free Gingerbread Pumpkin Baby Bundt with Adult Entree Purchase (exp: 10/28/2015). Why pay full price? Black Angus Steakhouse – $19.99

Restaurant 40

Restaurant Chuck E Cheese 2015 Del Taco 40

Family Balance Sheet

JUNE 16, 2015

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. We started listening to Dave Ramsey and followed his baby steps pretty closely. We gave up eating out, cable, driving as many places. It was laughably bad.

Debt 100

Debt Debt Free Finds Goals 100

Coupons Do Work

APRIL 18, 2016

Kids Eat Free restaurants in 2016. When eating out, it can cost a lot but did you know there are restaurants where kids can eat free? In fact here are 80+ restaurants where kids can eat for free ! Cici’s Pizza : Kids 3 and under eat free. . : All day – One free kids meal per adult purchase.

Restaurant 100

Restaurant Kids 2016 Dining 100

Family Balance Sheet

MAY 6, 2020

I decided to use Dave Ramsey’s 7 Baby Steps as a guide and I wrote our first Debt Freedom Plan. As self-employed small business owners, we felt we needed to adapt Dave’s strict 7 baby steps to our lifestyle so we included our business and added many more steps. Boy am I glad we don’t have that loan right now!

Debt 130

Debt Emergency Fund 2007 2020 130

Saving Cents With Sense

JANUARY 1, 2015

It is an eye-opening experience and will allow you to figure out what you can cut back on, as well as what is a necessary expense. What about eating out? Avoid impulse buys. And when you are eating out, you can find a restaurant near you that offers FREE kids’ meals by visiting KidsMealDeals.com.

New Year's 40

New Year's Saving Bills Emergency Fund 40

Coupons Do Work

DECEMBER 22, 2016

Thinking about eating out? Most restaurants offering “kids eat free” promotions are for certain days and times. Kids Eat Free Menu by Day : Kids Eat Free Everyday : Bruster’s Real Ice Cream : Kids under 40 inches receive a free baby cone. Cici’s Pizza : Kids 3 and under eat free.

Kids 100

Kids Restaurant 2017 Dining 100

Saving Cents With Sense

AUGUST 19, 2012

Each week, I post a preview of the coupons , so you can decide if you want to buy additional papers that week. Tip: Coupons can be different in an actual subscription rather than if you buy the paper each week, so I recommend a subscription. Parents has coupons for baby or toddler products). Look in Magazines.

Magazine and Newspaper Subscriptions 87

Magazine and Newspaper Subscriptions Magazines Safeway Bills 87

Saving Cents With Sense

APRIL 26, 2013

Here’s a list of printable coupons to help you save this weekend when eating out or shopping. Top Restaurant Coupons: bd’s Mongolian Grill Coupon – 15% Off Entire Purchase (exp: 4/26/2013) Blimpie Coupon – Buy 1 6 Inch Sub Get 1 Free WYB 22 oz. Top Retail Coupons: A.C. Thanks, Surviving the Stores !).

Restaurant 49

Restaurant 2013 Babies R Us GNC 49

Family Balance Sheet

AUGUST 5, 2015

One of the first things we did is buy a swing set for our kids with cash! After 2 years of determination we decided that we would take a month off and with any of our extra earnings splurge fun activities with the kids, eat out and go on lots of dates:). I felt the celebration went on and on! That was fun! Which we love!

Debt 100

Debt Debt Free Finds Finance 100

Family Balance Sheet

APRIL 1, 2021

And when dining out, at least follow these 15 Smart Tips to Save Money When Eating Out. Did you buy the materials to make that cute craft that you found on Pinterest but the bag is still sitting in your dining room…3 months later? Cancel unused subscriptions. 13 – Return unused purchases.

Emergency Fund 130

Emergency Fund Money Finds Friends And Family Sale 130

Family Balance Sheet

JUNE 22, 2020

Overwhelmed with everything, I wrote our first Debt Freedom Plan based on Dave Ramey’s 7 Baby Step strategy but tailored to our lifestyle. As part of his baby steps, he does not advocate contributing to retirement until after you’ve paid off non-mortgage debts and saved 3-6 months of expenses in an emergency fund.

Debt 130

Debt Health Insurance Insurance Budgeting 130

The Frugal Girl

JANUARY 22, 2024

After our second son was born, we were renting a house that the owner was also hoping to sell, and they were showing it, and I was stressed out and worried about moving with a baby…and we bought the house. I have a rule now that if I want to buy a book, I need to donate one. If we want it, let’s buy it.

Rent 182

Rent Son Frugal Home and Garden 182

Prairie Eco-Thrifter

OCTOBER 5, 2014

If both you and your spouse are eating out every day for lunch, you’re looking at $128/month – on top of your regular grocery bill. And that’s a conservative estimate of $7 per lunch out. Buying Stuff You Don’t Need or Use. It doesn’t sound like much until you see it add up: $16/week = about $64/month. Money Tips'

Budget 245

Budget Budgeting May Lunch 245

Prairie Eco-Thrifter

SEPTEMBER 25, 2012

We shopped at garage sales, turned down the heat, combined errands to use less gas, didn’t buy a lot of prepared food, cooked at home and the like. When our first baby came we used cloth diapers (so we didn’t have to pay for the disposable ones) and had to freeze dry them in the garage in the winter. Peggy: Oh yes!

Thrifty 213

Thrifty Garage Spendthrift Fair-Trade 213

The Frugal Girl

NOVEMBER 13, 2023

We had to sell it less than 3 years after buying it, and between that and the market timing (bought in 2009, sold in 2012), we were lucky to come out of the whole situation with our original mortgage paid off completely by the sale! days I was there – I only needed to eat out for 2 dinners during the whole trip.

Kids and Family 191

Kids and Family Parenting Cars Car 191

Prairie Eco-Thrifter

APRIL 8, 2014

I’m one of those ubiquitous baby boomers. Americans eat out 3 – 4 times a week on average, do we really need a fancy kitchen, when we don’t even do that much cooking? That same decision holds true with everything. Multiple vehicles. ” How many vehicles do we really need? So, readers, shoot me down.

Phones 204

Phones Parenting Kids and Family Credit Cards 204

Saving Cents With Sense

APRIL 13, 2012

Check out all the Tax FREEBIES available including Panda Express, AMC Theatres and more! Looking to save a buck while you are out shopping or eating out this weekend? And here is a HOT deal to saving on eating out now or in the future. Don’t forget to take a coupon!

Restaurant 49

Restaurant Panda Express 2012 Babies R Us 49

Family Balance Sheet

JANUARY 17, 2018

I want to challenge myself to rethink our purchases by taking advantage of more cost effective solutions, like borrowing, buying second hand, or just making do with what we already have. We will need to cut back on dining out, but it is unrealistic for me to say we won’t eat at restaurants this year. Choose Thrift First.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

Saving Cents With Sense

MARCH 9, 2013

Here is a new list of restaurant and retail coupons to help you save when eating out and shopping this weekend. Adult Buffet (exp: 3/10/2013) Stevi B’s Coupon – Buy 1 Adult Buffet Get 1 Free WYB 2 Drinks from 11AM-4PM (exp: 4/7/2013) Teavana Coupon – FREE 16 oz Cup of Tea (exp: 3/31/2013).

Restaurant 49

Restaurant 2013 Bath and Body Works Hardware 49

Family Balance Sheet

MAY 27, 2015

The first and most important step to paying off our house, was buying a house we could afford. We did follow Dave Ramsey’s 7 Baby Steps to becoming debt free. We skipped Baby Step #5 (college funding) because we didn’t have kids at the time. We’re now on Baby Step #7 (building wealth, which includes college funding).

Debt 100

Debt Debt Free Pay Off Debt Finds 100

Family Balance Sheet

JUNE 2, 2016

Firstly, I was offered a better-paid job but needed a vehicle to get there, so I took out a loan to buy one. If it wasn’t absolutely critical, I didn’t buy it. That meant no vacations, no new clothes, no eating out, nothing. In other words – all-out avoidance rather than just reduction.

Debt 100

Debt Finds Debt Free Pay Off Debt 100