Prairie Eco-Thrifter

JULY 4, 2011

Hello and welcome to the 316th Carnival of Personal Finance- Family Edition. Philip from Deliver Away Debt shares his story: How I Delivered Away My Debt. Big Cajun Man from THE Canadian Personal Finance Site asks What is Your Financial Plan B? Ken from Spruce Up Your Finances asks Need A Down Payment For Your House?

Personal Finance 240

Personal Finance Finance Family Debt 240

Family Balance Sheet

OCTOBER 7, 2014

Welcome to 31 Days to Organize Your Finances. 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. So grab your pay stubs and/or bank statements and calculate how much cash is flowing in each month.

Finance 113

Finance Organic Organization Financial Goals 113

Family Balance Sheet

SEPTEMBER 20, 2016

The segment was so inspiring that I reached out to her to see if she would participate in the Debt Free Stories series. She hosts a You Tube channel, The Former Mrs. Jones , where she vlogs about budgeting, debt free living, and family life. Meet the Former Mrs. Jones: Her Debt Free Story. How much debt did you pay off?

Debt 100

Debt Debt Free Bath and Body Works Gas 100

Prairie Eco-Thrifter

OCTOBER 21, 2012

Hello and welcome to this week’s Carnival of Personal Finance. If any of you have seen me host carnivals before you know that I like to add in some funny clips about personal finance for your enjoyment. Editors Picks: Big Cajun Man from THE Canadian Personal Finance Site shares 10 Phrases I have Used to Save Money.

Personal Finance 219

Personal Finance Finance Debt Money 219

Family Balance Sheet

JULY 13, 2016

So I’m thrilled to bring you today’s story, because I actually watched this couple’s debt free scream when it was live on the show. Drew & Farrah’s Debt Free Story. How much debt did you pay off? What kind of debt was it? What inspired you to get debt free? Where are you from?

Debt 100

Debt Debt Free Finds Home 100

Savings Corner

APRIL 4, 2024

To find out whether your business can afford a loan, many lenders will use something called a debt service coverage ratio (DSCR). DSCR = annual net operating income / total annual debt, including principal and interest Many lenders won’t consider any business with a DSCR below 1.25, and the higher the number, the stronger you look.

Bank 40

Bank Banking Credit Finance 40

Family Balance Sheet

JUNE 2, 2016

Today’s Debt Free Story is from Richard of Frugality Magazine , where he shares frugal living tips for financial freedom. How much debt did you pay off? What kind of debt was it? In total I estimate I paid off round $40,000 worth of debt, though depressingly a fair chunk of that was just interest.

Debt 100

Debt Finds Debt Free Pay Off Debt 100

Penny Pinchin' Mom

FEBRUARY 16, 2024

Pay Down Debt Yes, this is a good way to set yourself up financially. Getting out of debt should make the top three of your financial priorities. Besides, paying off your debt and keeping it at a healthy minimum will help your credit score rating. Additionally, I have a checking account and a savings account with the same bank.

Money 52

Money Insurance Debt Bulk 52

Family Balance Sheet

APRIL 1, 2011

You spring clean your home; why not spring clean your finances? Welcome in the beauty of the season with 5 Steps to Spring Cleaning Your Finances Review your 2011 Financial Goals. The Family Balance Sheet is a form that I created to help me communicate the state of our finances with my husband.

Finance 127

Finance Financial Goals Goals Credit 127

Prairie Eco-Thrifter

DECEMBER 7, 2014

Five years later, heavy regulatory costs on community banks and limited growth in traditional lending are driving borrowers online and investors couldn’t be happier with the returns available. If the loan is fully funded, the money is released to the borrower’s bank account and monthly payments are made directly to the website.

Debt 188

Debt Personal Finance Finance Credit 188

Motherhood Moments

MARCH 14, 2023

With gas prices still high and inflation putting pressure on people’s budgets, the personal-finance website WalletHub today released its editors’ picks for 2023’s Best Gas Credit Cards to help drivers save money, along with a new survey to gauge consumer sentiment. Best Gas Rewards Credit Card: The U.S.

Credit Cards 100

Credit Cards Gas Thrifty Credit 100

Savings Corner

APRIL 4, 2024

The steps may vary depending on whether you’re looking for debt consolidation loans , home improvement loans, medical loans or wedding loans. Personal loan qualification requirements Your credit score , income and debt are usually evaluated by personal loan lenders to see if you qualify.

Debt 52

Debt Credit Cards Credit Home Improvement 52

Savings Corner

DECEMBER 24, 2023

Key takeaways A personal loan is money you can borrow to finance large purchases, consolidate debt, invest in yourself or cover emergency expenses. Working to improve your credit score and reduce your debt-to-income ratio before applying can help get you the best loan terms. You will also start to repay the money.

Debt 52

Debt Credit Cards Credit College Tuition 52

Prairie Eco-Thrifter

JANUARY 6, 2011

Are you currently in debt? Like many of us who have previously been in debt, I know how difficult financial management can be. Many of us have never been taught the basics as a child and once we reach adulthood, we find ourselves making poor financial decisions that take us down the road of debt. See where you can make cutbacks.

Debt 113

Debt Finance Pay Off Debt Credit 113

Family Balance Sheet

MARCH 4, 2015

Today’s Debt Free Story is from Maureen. She writes at A Debt Free Stress Free Life. Besides writing on my personal finance blog, A Debt Free Stress Free Life, I’m an adjunct professor at a local college and own a residential and commercial cleaning business. How much debt did you pay off? Where are you from?

Debt 100

Debt Credit Cards Debt Free Student 100

Prairie Eco-Thrifter

JULY 13, 2015

Before you get ready to shove those kids of yours out of the nest, here are what I consider to be (based on my experience as a person, a Mom, and a Grandma) the most important things you (or someone) should teach them about personal finance. I hope to show you how to use debt wisely. There are lots of ways to get into to debt.

Personal Finance 100

Personal Finance Finance Debt Money 100

Family Balance Sheet

OCTOBER 10, 2014

Welcome to 31 Days to Organize Your Finances. 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. By the end of the month, my goal is to help you have a detailed financial plan for your family. That used to be me.

Finance 100

Finance Property Taxes Organic Organization 100

Savings Corner

APRIL 4, 2024

Key takeaways Home equity loans and HELOCs are both financing tools that allow you to borrow against your ownership stake in your home. Home equity lines of credit (HELOCs) and home equity loans are two similar finance tools — methods of borrowing money against the ownership stake you have in your home. Home equity loan: What is it?

Home 52

Home Work Debt Credit 52

The Frugal Girl

MARCH 4, 2024

Although my parents never specifically taught me about finances, they lived a frugal life by necessity. I learned from the best, but I believe that a personal finance course should be a requirement for both high school and college graduation. I grew up in banking and held other finance-related positions during my working years.

Green And Frugal 179

Green And Frugal Kids and Family Hotel Frugal 179

Savings Corner

APRIL 4, 2024

Old National Bank 620 for conventional loans, 640 for FHA loans, 680 for VA loans 4.6 Bank 620 for conventional loans, 740 for jumbo loans 4.8 Citizens Bank 620 for conventional loans 4.5 PNC Bank 620 for conventional, jumbo and FHA loans, 640 for USDA loans 4.5 Bank 620 for conventional loans, 740 for jumbo loans 4.8

Refinancing 40

Refinancing Bank Banking Credit 40

Prairie Eco-Thrifter

NOVEMBER 25, 2012

In this article we will look at the pros and cons of saving and investing, as well as reducing debt, as a means of gaining financial security. Saving means that you deposit a sum of money, which you can generally add to over time, into an account with a bank, credit union, savings and loan or other financial institution.

Money 189

Money Debt Refinancing Credit Cards 189

Savings Corner

DECEMBER 27, 2023

These loans come with credit-building tools, flexible repayment terms and special features for debt consolidation and home improvement projects. Direct payment to creditors with debt consolidation loans. Maximum debt-to-income ratio: 75%, including mortgage and the loan you’re applying for. Minimum annual income: None.

Credit 52

Credit January Debt Credit Cards 52

Savings Corner

DECEMBER 25, 2023

You apply for a private student loan through a bank, credit union or online lender. Compare offers from multiple lenders including banks, credit unions, online companies and state-based lenders to find the lowest interest rate. You apply for a federal student loan by submitting the FAFSA. How do I choose a private college loan online?

Student 52

Student College Credit Debt 52

Savings Corner

DECEMBER 24, 2023

To calculate your net worth, take inventory of what you own, as well as your outstanding debt. That includes revolving consumer debts — such as credit card balances — as well as personal, auto, payday and title loan balances. Skip the bank apps and see all your accounts in one place. What is my net worth? Net worth of U.S.

Calculators 52

Calculators Taxes Debt Consumer 52

Prairie Eco-Thrifter

MAY 29, 2013

For those who prefer to pay with cash and avoid the credit card debt cycle altogether, building a solid credit history and high FICO score can be a challenge – but it doesn’t have to be. Debt load – 30%. This portion of your score reflects how much debt you carry. If you prefer to pay cash and avoid revolving debt, that’s great.

Credit Cards 234

Credit Cards Credit Building Rent 234

Family Balance Sheet

JULY 2, 2015

Today’s Debt Free Story is from Acadia. How much debt did you pay off? What kind of debt was it? All of our debt was $97,000 in student loan debt. We ended up buying a house from a relative, which put us in even more debt. What inspired you to get debt free? Tell us about you and your family.

Student 100

Student Debt Debt Free Finds 100

Saving Everyday

DECEMBER 28, 2012

LearnVest’s My Money Center will give you a snapshot of your overall finances, including your assets, debts, and net worth. LearnVest is also protected by bank level security and encryption so your accounts are always 100% safe and secure. I’ve used this for months and LOVE how easy and user-friendly it is!

Finance 45

Finance Budgeting Budget Tools 45

Savings Corner

APRIL 4, 2024

This increases your mortgage debt but gives you money that you can invest or use to fund a goal, like a home improvement project. Debt consolidation refinance Caret Down Like cash-out refinances, debt consolidation refinances give you cash. You can use these funds as retirement income, to pay medical bills or for any other goal.

Refinancing 52

Refinancing Work Debt Financial Goals 52

Family Balance Sheet

MARCH 26, 2021

With little money in their bank accounts, these Americans couldn’t afford these unfortunate expenses without using a credit card or maybe relying on a loan from family and friends. I’m a big fan of online accounts, like Capital One 360 , that you will connect to your local bank. How Much Do I Need in an Emergency Fund?

Emergency Fund 130

Emergency Fund Building 2007 Credit Cards 130

Family Balance Sheet

OCTOBER 16, 2017

I could talk all day about personal finance and money-saving strategies, but my husband, while very responsible with money, just doesn’t feel the same way. To keep the communication flowing, I created my very first Balance Sheet to give my husband a snapshot of our household and business finances. It was tricky at first.

Family 100

Family Financial Goals Debt Calculators 100

Prairie Eco-Thrifter

JULY 16, 2012

If you are currently looking to adopt an ethical approach to your finances, you have probably already got some areas that you want to exclude. Third World Debt Is there a commitment to helping third world countries tackle their debt crises? In some cases, banks may allow investment in this area on a case-by-case basis.

Bank 186

Bank Banking Fair-Trade Debt 186

Family Balance Sheet

JANUARY 20, 2017

She is the co-founder of the website, Little Light on a Hill , where she writes about faith, family, and finances. I love her passion for helping others along their debt free journey. Be sure to check out her website where she is offering a free finance workbook if you subscribe to her newsletter. How much debt did you pay off?

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Prairie Eco-Thrifter

JUNE 14, 2012

Take personal finances, for example; too many people over-think their finances, with the result that it all seems too hard. The more complicated your finances are, the harder it all seems. Simple finances work for you rather than against you, so it’s a win-win. What kinds of tricks have you used to manage your finances?

Simple 221

Simple Finance Budgeting Budget 221

Prairie Eco-Thrifter

MAY 26, 2016

Each year I bring them together in my Grandma Rie’s Money Camp and focus on different aspects of personal finance, with saving being a focus in each camp. Both are now old enough to open a bank savings account. We could take on debt to grow using other people’s money. Back then I had a passbook.

Money 124

Money Saving Money Lowes Grandchildren 124

Family Balance Sheet

AUGUST 11, 2016

” Recently Go Banking Rates conducted two studies on savings rates with startling results. But for our own safety net, we must make our finances a priority. We charted out our course of action to pay off debts and start saving for retirement. Use my Family Balance Sheet excel spreadsheet to help you organize your finances.

Emergency Fund 100

Emergency Fund Money Finance Debt 100

Prairie Eco-Thrifter

APRIL 24, 2012

Forty-one percent of adults in the United States gave themselves a grade of C, D, or F on their knowledge of personal finance (according to the 2011 Consumer Financial Literacy Survey Final Report of the National Foundation for Credit Counseling). According to the resolution: Twenty-five.6 Your children know that you are saving money.

United States 202

United States Personal Finance Economical Finance 202

Prairie Eco-Thrifter

OCTOBER 11, 2012

It can be so easy to run up thousands of dollars in debt just by using that credit card. Debt and an uncontrollable spending habit is probably the most common issue that causes fights between couples. Most people will not see eye to eye when it comes to how much credit card debt is acceptable.

Debt 222

Debt Credit Cards Money Credit 222