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

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

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

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

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. Consider consolidating.

Debt 113

Debt Finance Pay Off Debt Credit 113

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. How were we going to find the funds by the due date? It was a horrible feeling.

Finance 100

Finance Property Taxes Organic Organization 100

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

Family Balance Sheet

MARCH 4, 2016

Today’s Debt Free Story is a guest post from Chris Peach. We lived our lives as if the money was never ending and we truly believed we were immune to ever having to worry about our finances. It wasn’t me telling her we are going to get out of debt, or her telling me it wasn’t in the budget.

Debt 100

Debt Finds Debt Free Television 100

Savings Corner

DECEMBER 25, 2023

Learn more about private student loans Find the best student loan companies for: Loans for students How do private student loans and federal student loans differ? You apply for a private student loan through a bank, credit union or online lender. You apply for a federal student loan by submitting the FAFSA.

Student 52

Student College Credit Debt 52

Savings Corner

DECEMBER 24, 2023

Find your net worth by using our net worth calculator. 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. What is my net worth? Net worth of U.S.

Calculators 52

Calculators Taxes Debt Consumer 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

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

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

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

Prairie Eco-Thrifter

JULY 30, 2012

If you can choose to develop a more positive attitude about your finances, you’ll find it easier to make a few small changes in your saving and spending. Your money works for you when it is earning you interest or adding value so don’t leave it sitting in your everyday bank account. Eliminate Debt Everyone has debts.

Debt 202

Debt Budgeting Budget Finance 202

Savings Corner

APRIL 4, 2024

Just like any other loan, you apply for refinancing, which includes a thorough check of your credit, income, employment history and finances. The money you tap from your home’s equity can be used to consolidate higher-interest debt or to improve your home. Where do I find more information on mortgage refinancing?

Calculators 40

Calculators Refinancing Insurance Homeowner Insurance 40

Prairie Eco-Thrifter

OCTOBER 17, 2012

I managed to rack up over $20,000 of credit card and personal debt by the time I was 23 and this affected my ability to keeo my first house. What I didn’t realize was that my non-balancing budgets meant that I was spending more than I earned and had to find ways to curb my spending if I was to avoid financial disaster. .

Budgeting 214

Budgeting Budget Debt Money 214

Prairie Eco-Thrifter

APRIL 6, 2012

Wayne presents Purpose of Budgeting posted at Young Family Finance , saying, “Are you left wondering why you should budget? Find out the purpose of budgeting and whether it’s important for you. The key is to finding out what they are, then determining which are marketable! ” Managing Debt.

Money 133

Money Finance Personal Finance Real Estate 133

Prairie Eco-Thrifter

MAY 10, 2012

Failure to monitor your consumption expenditures means that they are flying blindly regarding their future finances. ’ Financial Planning Ashley presents Should I Get Married with Debt? . ’ Financial Planning Ashley presents Should I Get Married with Debt? ” A Blinkin presents Should I Buy A House?

Money 113

Money May 2012 Debt 113

Family Balance Sheet

FEBRUARY 11, 2016

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. We use an online account, like Capital One 360 , that is connected to our local bank. Where Do I Find the Money for my Emergency Fund?

Emergency Fund 100

Emergency Fund Building 2007 Credit Cards 100

Prairie Eco-Thrifter

MAY 27, 2012

I mean, I was living from pay check to pay check , always hoping I’d find whatever money I needed to pay the bills. 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.

Emergency Fund 212

Emergency Fund Credit Cards Budgeting Budget 212

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. Career-wise while I studied biology at university I came out to find very few opportunities in my field. How much debt did you pay off? What kind of debt was it? Where are you from?

Debt 100

Debt Finds Debt Free Pay Off Debt 100

Savings Corner

DECEMBER 24, 2023

Check your credit score Your credit score will help you determine your financing options; lenders use it (among other factors) to set the terms and rates of your loan. Your bank or credit card company might offer free access to your score or credit report, too. Would renting for another year or two improve your financial standing?

Real Estate 52

Real Estate Buy Buying Credit 52

Prairie Eco-Thrifter

JUNE 28, 2011

In South Florida (where I lived most recently), it’s possible to find an 8-unit complex for $400,000, or about $50,000 per unit. In order to acquire the property, let’s say the bank required 10% down, and allowed you to take out a 30 year loan for the remaining $360,000 (@ 4.5% What is Debt Leverage? interest).

Real Estate 180

Real Estate Rent Debt Calculators 180

Savings Corner

DECEMBER 27, 2023

Use this calculator to help you decide whether a personal loan is the right financing option for your plans. Good-credit borrowers with low debt-to-income ratios often get the lowest rates. Lenders determine your rate using your credit profile and history, income and existing debts. Enter your interest rate.

Calculators 40

Calculators Credit Debt Nov 40

Prairie Eco-Thrifter

JANUARY 30, 2017

Believe me, I know, I’ve been married for 45 years and am still finding some of those tricks. The New York Daily news reported that wife of Yankee ball player Alex Rodriguez’s wife ran up credit card debt of $100,000 when she found out about a dalliance between he and Madonna. Here are a couple to watch for and deal with.

Money 100

Money Camping Equipment Bank Banking 100

Prairie Eco-Thrifter

SEPTEMBER 15, 2014

Some might find it surprising that a millionaire would want to keep working. Managing your finances gets a lot more complex and time consuming. Gone were the days of having one bank account and only having to keep very simple records. You still want to do your best at work. A fulfilled life, to me, is a life of accomplishment.

Money 247

Money Grandchildren Thrifty Job Loss 247

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

JANUARY 28, 2011

How to Save Money shares with us how we can keep our finances safe when buying items online. We personally use Quicken and we find it works great for reviewing our finances. Moolanomy tells us how we can reach our savings goals by using virtual bank accounts. Reducing Debt. What did you do? Managing Money.

January 124

January 2010 Personal Finance Finance 124

Prairie Eco-Thrifter

JULY 16, 2013

If you’re trying to save money, pay down debt, or both, then you might want to consider skipping your family’s usual summer trip and plan staycations instead. For more creative options, find a national park instead, because many offer low cost tours and other activities. Be Treasure Hunters. Have a Field Day.

Frugal Life 242

Frugal Life Frugal Kids and Family Inexpensive 242

Saving With Shellie

JANUARY 5, 2011

If getting your finances in order is one of your resolutions this year, I’d like to encourage you to use Mint. One of the benefits to Mint is that when you set up your account, you can link your bank, credit card, loan and investment accounts. They use the same encryption security that all the banks use.

Tools 49

Tools Money T-Mobile Mobile Phone 49

Saving With Shellie

JANUARY 5, 2012

One of the benefits to Mint is that when you set up your account, you can link your bank, credit card, loan and investment accounts. It only takes a few minutes and by doing this Mint can pull in your balances, purchases and stock trades and give you a complete picture of your finances. You'll find even more deals and steals.

Budgeting 51

Budgeting Budget Software T-Mobile 51

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

Prairie Eco-Thrifter

FEBRUARY 4, 2011

Retirement lingo can get confusing if you are just starting out learning about finances. Punch Debt in the Face tells us why no spend challenges are for wussies. Personal Finance by the Book tells us how we can save money where we least expect it. Sustainable Personal Finance gives us the how to on installing a low flow toilet.

January 113

January February Debt Personal Finance 113

For the Mommas

MAY 22, 2012

Rather than finding yourself in a position where you’re relying on credit cards for these expenses – and then wasting your hard-earned money on paying off those cards in the following months – try creating separate sinking funds instead. Bank Your Savings. Another option is to simply bank your savings. Bank your savings.

Craigslist 78

Craigslist West Virginia Bank Banking 78