The Frugal Girl

MARCH 4, 2024

I read every post, but don’t comment often – usually some of you have already made my point for me. Although my parents never specifically taught me about finances, they lived a frugal life by necessity. I grew up in banking and held other finance-related positions during my working years. Spreadsheets are my friends.

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Green And Frugal Kids and Family Hotel Frugal 179

Savings Corner

APRIL 4, 2024

Different loans serve different purposes, so researching loan options is a good starting point. Brick-and-mortar banks tend to work with businesses that have a strong financial profile. Lenders may set requirements for: Time in business Traditional banks may require one to two years of business under your belt to qualify.

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Bank Banking Credit Finance 40

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

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Refinancing Bank Banking Credit 40

Penny Pinchin' Mom

FEBRUARY 16, 2024

The point is that women tend to outlive men across the globe. With a better credit score rating, you have access to better financing options, which, in turn, can help you take advantage of future investment opportunities. Additionally, I have a checking account and a savings account with the same bank.

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Money Insurance Debt Bulk 52

Prairie Eco-Thrifter

AUGUST 31, 2014

Because my husband and I were just dating at this point, we didn’t have combined finances so I didn’t share my newfound love for budgeting with him. When we moved in together and began to incorporate more and more of our financials, such as bills and bank accounts, I started trying to get him interested in budgeting.

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Budgeting Budget Money Finance 180

Prairie Eco-Thrifter

JANUARY 28, 2014

As a result of the PlayStation breach, I began changing the way I use my credit and debit cards , and my bank accounts , so that I could limit the difficulties associated with breaches of this nature. This is because I don’t want my bank account compromised. Use Credit Cards. I use credit cards a lot more now.

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Credit Cards Bank Banking Identity Theft 193

Prairie Eco-Thrifter

MAY 29, 2013

The older your accounts, the more points you will receive. Next, examine the reports in light of the bullet points above. Rent payments must be uploaded by third-party service like RentalKharma (currently free), RentReporters ($10 per month) or WilliamPaid (free when you pay your rent from your bank account via the site).

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Credit Cards Credit Building Rent 234

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. Take them to the bank and let them see you make your deposits. Buy them a piggy bank and help them remember to feed it when they can. Take them into the bank.

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Work Kids Bank Banking 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. Those of us who have been around awhile remember much higher rates – even up to 14% on CDs at one point.

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Money Saving Money Lowes Grandchildren 124

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. We consider 40 features and data points for each financial institution.

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Student College Credit Debt 52

Nicoles Nickels

DECEMBER 2, 2011

Regina Lewis is one of the nation’s leading personal finance commentators known for well-researched, practical and actionable advice. Lewis and Bank of America have put together some holiday shopping tips to help us save money this holiday season! Her segments cover economic and consumer trends. In that vein, Ms.

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Personal Finance Finance Holiday Shopping 45

Koupon Karen

NOVEMBER 30, 2023

In big cities, you can purchase high-quality baby gear without breaking the bank. For example, some companies offer rewards programs that give you points for purchases, which you can redeem for future discounts. But with careful budgeting, smart shopping, and creativity, you can prepare for your new arrival without breaking the bank.

Budgeting 52

Budgeting Budget Baby Friends And Family Sale 52

Savings Corner

APRIL 4, 2024

Whether you need money to pay for an unexpected hospital bill, an emergency car repair or to finance some much-needed home renovations , knowing how to get a personal loan will help make the application process as smooth as possible. Run the numbers Before taking out a loan, decide exactly how much you need to borrow.

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Debt Credit Cards Credit Home Improvement 52

Prairie Eco-Thrifter

SEPTEMBER 28, 2014

As the time passed, I was able to figure out ways to save more money and stay on top of my finances. I didn’t miss that $25 but it helped me get into the habit of transferring the money from point A to point B when I got paid. Extra Income Goes Into Savings. I put $25 per paycheck into my savings account every second Friday.

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Building Emergency Fund Money Savings Account 225

Savings Corner

DECEMBER 27, 2023

Best all-purpose travel rewards credit card For a reasonable fee you’ll earn rich, flexible rewards in many categories, with multiple transfer partner options, an annual hotel credit, anniversary points and a big sign-up bonus. The bank that issued your credit card sends money for the purchase to the merchant where the transaction took place.

Credit Cards 52

Credit Cards Credit December Airline 52

Prairie Eco-Thrifter

NOVEMBER 12, 2011

Now without further adieu, I present you with the dozens of great reads written by Yakezie members and challengers alike this past week in our efforts to bring you timely insight on personal finance and lifestyle today. Personal Finance Whiz: Keynesian vs Hayekian Economics – The Solution To Our Recession? I’m a geek, he’s not.

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November 2011 Personal Finance Finance 188

Prairie Eco-Thrifter

MAY 23, 2017

Those experiences – be they positive or negative – make us the person we are, at any given point in our lives. As a retiree, I started out as a saver, unsure how the finances were all going to work out (especially since I retired during the last recession). None of us are the same as we were yesterday, nor will be tomorrow.”.

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Making Recession College 401K 124

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. What is the break-even point on a mortgage refinance, and why does it matter? Mortgage refinancing is when you replace your current home loan with a new one.

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Calculators Refinancing Insurance Homeowner Insurance 40

Savings Corner

DECEMBER 24, 2023

These can be had directly from a mortgage lender or through a state housing finance agency, which connects first-time buyers with partner lenders. Instead, you’ll work with a mortgage lender of your choosing, which might be a bank, online lender or credit union, for example. A Section 184 loan requires just 2.25 percent down.

Insurance 52

Insurance Finance Home Education 52

Savings Corner

DECEMBER 27, 2023

Stride Funding Income Share Agreement An income share agreement, or ISA, is not a student loan, but graduate students may be able to use one to finance their education. We consider 40 features and data points for each financial institution.

Student 52

Student Graduation January College 52

Savings Corner

DECEMBER 25, 2023

The nation’s central bank attempts to guide the economy with the twin goals of encouraging job growth while keeping inflation under control. Sample rates also sometimes include discount points , which are optional fees borrowers can pay to lower the interest rate. What’s happening around the world will influence U.S.

Re-use 52

Re-use Economy Homeowner Insurance Insurance 52

Prairie Eco-Thrifter

JULY 28, 2014

Once you have a goal in mind, you need a roadmap for how you’re going to get from point A, where you are now, to point B, your goal. Seeing the numbers go up in my spreadsheets and bank accounts is enough for me, but maybe you would benefit from a more visual approach, or perhaps you can set mini goals and rewards along the way.

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Hobby Money Making Goals 189

Savings Corner

APRIL 4, 2024

To refinance a mortgage, you’ll pay between 2 and 5 percent of the loan amount in closing costs, so if you’re refinancing to save money, you’ll need to calculate your break-even point. Step 5: Get your paperwork in order Gather recent pay stubs, federal tax returns, bank/brokerage statements and anything else your mortgage lender requests.

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Refinancing Work Debt Financial Goals 52

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

SEPTEMBER 15, 2014

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. Many millionaires, me included, spend years of their life working and building up their wealth to reach the point where they have those millions.

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Money Grandchildren Thrifty Job Loss 247

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. and follow it? Eliminate Debt Everyone has debts.

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Debt Budgeting Budget Finance 202

Prairie Eco-Thrifter

MARCH 18, 2011

101 Centavos blogs about practical freedom, an unequal mix of personal finance, gardening, investing, career advice, cooking and yard sales. It’s not much money, it doesn’t break the bank. But that’s the whole point of having a peeve, isn’t it. That’s not the point, is it? It’s not that big a deal, really.

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Pets Leftovers Personal Finance Milk 149

Savings Corner

DECEMBER 27, 2023

Banks: Banks base loan decisions primarily on your credit score, history and income. Major banks are less flexible on qualification requirements, but having a good relationship with a local bank may help you qualify. A secured loan requires you to pledge collateral — usually a vehicle or bank account — to borrow money.

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Credit January Debt Credit Cards 52

Prairie Eco-Thrifter

JANUARY 30, 2013

My son knows that there are two meeting points out (depending on whether he leaves out the front or out the back) in our neighborhood. Financial contact numbers for banks, credit issuers, insurance companies, and others. Credit card with an adequate limit.

Emergency Fund 211

Emergency Fund Job Loss Transportation Staying Warm 211

Prairie Eco-Thrifter

OCTOBER 9, 2014

Oh wait, maybe there’s a bag of potatoes in there… Anyway, you get my point. I think about FinCon for example, the conference for personal finance bloggers I attended last weekend in New Orleans. Sometimes the things we have to give up to put an extra few bucks in the bank account aren’t really worth it.

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Saving Money Money Giving Public Transit 173

Prairie Eco-Thrifter

JULY 25, 2012

Making Learning Fun There’s no need to gather up the kids and start lecturing on the finer points of finances. At this point, you have the ability to explain how saving money works and how it can benefit them. When your children are older, you will be ready to take them to a bank to open up their own account.

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Saving Money Money Kids Saving 188

Prairie Eco-Thrifter

JANUARY 14, 2012

After that, while you all primed and interested in personal finance, continue and read the awesome articles that were written across the web this week regarding personal finance and enhancing your lifestyle. Finance Fox : Reasons to Buy a Car in January – After the Holidays! Take a moment to watch them.

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Credit Cards Credit Finance Personal Finance 220

Prairie Eco-Thrifter

MAY 4, 2011

for books and tips about losing weight and being healthy, even though all of the advice boils down to two points: eat right and exercise. Credit cards are far from the glorious tools the banks want you to think they are, but they’re not all bad, either. Questions and comments can be sent to: davis.jamie17@gmail.com.

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College Graduation Credit Cards Re-use 169

Prairie Eco-Thrifter

APRIL 4, 2016

Others might point out the importance of a good education. Depositing each and every birthday and Christmas gift check in the bank. Depositing part of your check in the bank for savings before you spend it on anything else. What do you think it takes to get rich? Some would say luck – as in winning a lottery.

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Goals Friends And Family Sale Money Activism 100

Prairie Eco-Thrifter

NOVEMBER 4, 2011

Where ever your child is on the learning continuum – here are some ideas on ways to teach personal finance without spending (much) extra time specifically on it. Explain how the checkout process works, point out the employees in the store and talk about what they do. How You Can Squeeze Teaching these Concepts into Your Busy Day?

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Money Parenting Kids and Family Gasoline 187

Savings Corner

DECEMBER 24, 2023

Lack of experience Whether you have complicated finances or you don’t know how certain things work, hiring a professional can help you grasp concepts you weren’t familiar with. If you’re just starting to invest in something like an IRA, a robo-advisor is a great introductory point. It’s truly the set-it-and-forget-it model.

Financial Goals 40

Financial Goals Goals Real Estate Money 40

Prairie Eco-Thrifter

MAY 31, 2012

Did you know a time when there weren’t cameras on every street corner and in every store, bank and business, clicking your picture and noting the time. (In MSNBC reported that “The federal government is allegedly compiling a database of telephone numbers dialed by Americans, and eavesdropping on U.S.

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Phones Converse Cameras 2001 187