Family Balance Sheet

JANUARY 10, 2014

Are you spending more on groceries every month than your budget allows? The grocery bill can get out of control for me if I’m not careful. This year, I need to reduce our monthly grocery spending to $450 a month to stay within our overall budget I have planed for 2014. Plan on spending cash only, not credit cards.

Budget 174

Budget Budgeting Grocery Groceries 174

Motherhood Moments

DECEMBER 26, 2022

One of the most impactful resolutions people can make for 2023 is getting out of credit card debt. Credit card debt is rising at a historic pace , and owing a lot can put people in a very difficult position if the job market takes a turn for the worse. In addition, people should resolve to improve their WalletScore.

New Year's 130

New Year's Money Finance Debt 130

Prairie Eco-Thrifter

OCTOBER 17, 2012

Who needs a budget?’ So who needs to worry about budgeting, savings plans and a secure financial future? 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. So, why do we avoid the whole budget issue? Well, actually, no!

Budgeting 214

Budgeting Budget Debt Money 214

Prairie Eco-Thrifter

JANUARY 14, 2012

Since there seems to be so much in the news lately about credit cards- the good ones, the bad ones, the ugly ones, the fee free ones, the reward ones, the secured ones, etc. I figured I would talk about credit cards as today’s theme. Funancials : Should I Cancel My Credit Card? Futures introduction.

Credit Cards 220

Credit Cards Credit Finance Personal Finance 220

Family Balance Sheet

NOVEMBER 18, 2022

Americans will spend about $900 on holiday purchases** and unfortunately, many people will get a little surprise in the mail in January when the credit card bills start rolling in. Create a Budget. Include gifts, but also travel, decorations, cards, stamps, parties, etc. 3 Smart Steps to Pay Cash for Christmas.

Christmas 130

Christmas Budgeting Budget Money 130

Family Balance Sheet

FEBRUARY 28, 2014

The Goal of the Grocery Budget Challenge is to be creative with our meal planning and grocery shopping so that we do not over-spend. We don’t want to make our families miserable with bland meals, boring snacks, and not enough food in the house, but we must stay on budget. Action Step 1 : Plan your grocery budget for March.

Budgeting 124

Budgeting Budget February Groceries 124

Family Balance Sheet

JANUARY 3, 2013

To kick off the series and get everyone started on the first step, I created a Christmas Gift & Spending Budget excel spreadsheet that I am offering FREE to readers. Before the first meeting on the 25th, everyone needs to create a Christmas Gift & Spending Budget for 2013. Next, fill in a budget for 2013.

Budget 100

Budget Budgeting 2013 Christmas 100

Penny Pinchin' Mom

MARCH 11, 2024

Create a Budget You guys know me by now; you know I am all about creating and sticking to a family budget. Entries such as your mortgage, gas, electricity bill, and so on are essential. You can even use a budgeting app if you need a little more support reaching your financial goal. I can, however, help you with the plan.

Saving Money 52

Saving Money Money Saving Credit Cards 52

Family Balance Sheet

AUGUST 6, 2022

We’ve seen higher grocery and fuel bills lately, so we’re upping our frugal game to help the budget. Credit Card Cash Back Redemptions in July: $196. However, once we paid off all of that debt, I started playing the credit card game. I only use cards that offer some type of cashback offer.

July 130

July Frugal Credit Cards Donation 130

Family Balance Sheet

APRIL 2, 2021

Yep, I found a $20 bill while running on the beach! This money will be put in our Medical Out-of-Pocket budget category. Credit Card Cash Back: $175. I redeemed $175 for gift cards from our business credit card’s cashback program. Finding extra money is a game for me. Plasma earnings: $207.

March 130

March Money Donation Credit Cards 130

Motherhood Moments

MARCH 4, 2023

Set a budget and follow it consistently. The first line of defense against debt is to make a budget and keep to it. So, when “unpleasant surprises” arise, like a car repair or medical bill, you’re confident that you have enough money set aside to cover these. on your credit card. Make smart choices with credit.

Debt 130

Debt Money Building Credit Cards 130

Family Balance Sheet

APRIL 1, 2015

He writes at Debt Discipline about about how his family of 5 deals with money, budgets and debt. It was all consumer debt spread over 5 credit cards. We cut up our credit cards and never used them again. We cut up our credit cards and never used them again. The bill was paid for in cash!

Debt 100

Debt Credit Cards Debt Free Credit 100

Savings Corner

DECEMBER 24, 2023

Simply fill in your outstanding loan amounts, credit card balances and other debts. Try adjusting the terms, loan types or rate until you find a debt consolidation plan that fits your goals and budget. Fill in your outstanding loan amounts, credit card balances and other debts to see what your monthly payment could look like.

Debt 52

Debt Calculators Credit Cards Credit 52

Penny Pinchin' Mom

FEBRUARY 16, 2024

This includes your credit cards, student loans, business loans—you name it. Balance Transfer Credit Card You could get yourself a balance transfer credit card if your outstanding loans aren’t that massive. When it comes to using a balance transfer credit card , you definitely need to be careful.

Debt 52

Debt Credit Money Mom 52

Family Balance Sheet

SEPTEMBER 25, 2019

This should cover my tentative 2019 Christmas budget that I based on what we spent in 2018. I’m challenging myself to find the cash outside of our budget. In March, I added $70 in $1 bills that I had been setting aside for the past year. I also earned $20 from Ibotta and $7 from Ebates, and found $23 within our May budget.

2019 100

2019 September Club August 100

Family Balance Sheet

JANUARY 25, 2019

Did you use cash or put your purchases on a credit card? But if those gifts were paid with a credit card that doesn’t get paid off as soon as the bill arrives, any savings from store sales, coupons, and/or rebates might be negated from the interest accrued. Step 1: Create a 2019 Christmas Budget.

2019 100

2019 Club Christmas 2018 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. See if you can identify with any of these statements: I spend more than I earn I don’t have a household budget I use credit cards all the time to buy everyday essentials like food, gas, transport.

Emergency Fund 212

Emergency Fund Credit Cards Budgeting Budget 212

For the Mommas

DECEMBER 19, 2015

Christmas Gifts on a Budget. When you’re on a tight budget, you may think that your Christmas shopping will only yield cheap gifts. Even on a tight budget, you can purchase gifts that look expensive. Your friends and family will never know that you were on a tight budget. It doesn’t have to be that way though.

Budget 40

Budget Budgeting Christmas Gifts 40

Savings Corner

DECEMBER 27, 2023

Managing a personal loan successfully, however, requires understanding how the payments change your monthly budget and creating a clear plan to pay off the loan. Perhaps more importantly, automatic payments help you avoid missed payments — which often result in late fees — and make the payment an effortless part of paying your monthly bills.

Debt 52

Debt Refinancing San Antonio Rhode Island 52

Prairie Eco-Thrifter

JANUARY 26, 2011

I myself struggled for many years paying my own bills, but have since found numerous ways to save money. By implementing these two things into your shopping, you can drastically reduce your grocery budget for the month. To find other ways to reduce your expenses, take a close look at your checkbook and credit card statements.

Bills 124

Bills Money Insurance Saving Money 124

Family Balance Sheet

OCTOBER 25, 2019

This should cover my tentative 2019 Christmas budget that I based on what we spent in 2018. I started the year challenging myself to find the cash outside of our budget. However by late summer, I found it easier to set aside the money directly from our budget. I offer a FREE Christmas Budget spreadsheet to my email subscribers.

2019 100

2019 October Club Christmas 100

Family Balance Sheet

NOVEMBER 25, 2013

This idea came to me last January when I received our credit card statement in the mail that had all of our Christmas purchases on it. It was due on January 19 and I had had enough–no more ridiculous credit card bills. We sliced and diced our budgets. We had yard sales. We had a pantry challenge.

Club 100

Club November Christmas Credit Cards 100

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. That may be a shock if you’re used to making minimum payments on a credit card.

Debt 52

Debt Credit Cards Credit Home Improvement 52

Coupons Do Work

APRIL 14, 2015

Over the years I have had to budget, put money away…so we can live the life without worrying about money. To budget, not spend on stupid things and save as much as you can. My total bill was $27.57. I paid it all in cash (try not to pay in credit cards…). also set aside money for a rainy day.

Budgeting 100

Budgeting Budget Food Kids and Family 100

Prairie Eco-Thrifter

JANUARY 1, 2013

I was an expert at this; I spent every dollar I earned and juggled multiple credit cards to pay bills and buy whatever I thought I had the money for. Of course, by using credit cards for purchases and bills, I was spending money I didn’t have and probably wouldn’t have any time soon.

Emergency Fund 272

Emergency Fund Credit Cards Personal Finance Finance 272

Prairie Eco-Thrifter

NOVEMBER 22, 2012

“How to Live Large and Have Fun”, “How to Spend Millions on Credit and Never Pay a Dime”, “Live Large and On Charge…Cards”, “Living High on the Hog: The Art of Budget Busting”…these are all titles of fictitious books, but they might as well be bestsellers. That is $100 a week you can be using to BUY GROCERIES!

Saving Money 221

Saving Money Money Budgeting Budget 221

Family Balance Sheet

NOVEMBER 2, 2022

Our goal is to NOT put our Christmas purchases on a credit card. January will be one giant nightmare when the credit card bills start rolling in. We paid for many of our Christmas purchases on a credit card and then hustled in January 2013 to pay it off. Hopefully, that’s your goal too.

Christmas 130

Christmas Finds Friends And Family Sale Donation 130

Family Balance Sheet

MARCH 5, 2021

Yep, I found a $20 bill on a morning run at the beach! I had an unexpected surprise hit my credit card in February. Any money I earn from Ibotta goes back into my grocery budget. Finding extra money has become a game for me. Over the years, I have found money through rebates, refunds, online sales, and even the ground.

February 257

February Money Airline Flights 257

Family Balance Sheet

OCTOBER 15, 2021

Side Note #1: I do not advocate the use of credit cards unless you are able to pay off the balance every month so as not to incur fees and charges. If you are committed to paying your credit card off at the end of every month so as not to incur fees and charges, consider signing up for the Upromise Mastercard.

College 130

College Used 2020 Saving 130

Family Balance Sheet

SEPTEMBER 19, 2014

Rather than succumb to the chaos, let’s plan together to spend only what we have and not put one dime of our holiday spending on a credit card. In January 2015, we will not have a feeling of dread when the credit card bills start rolling in. Create a Budget. Not a single dime! Find the Money.

Debt Free 100

Debt Free Debt Christmas Budgeting 100

Savings Corner

DECEMBER 27, 2023

Lenders typically like to see that you can cover your monthly bills, including any other loan or credit card payments, and have money left over after your new personal loan payment. The highest APR an affordable bad credit loan should have is 36%, according to most consumer advocates. On-time loan payments build credit.

Credit 52

Credit January Debt Credit Cards 52

Family Balance Sheet

APRIL 19, 2016

It was a mix of college loans, a personal loan from my parents (for college), an overdraft account, and credit card debt. How often do you and your spouse discuss your finances/budget/spending? The post Find out how Anna paid off $23,605 in college, personal loans, and credit cards. How long did it take you?

Credit Cards 100

Credit Cards Debt Free College Debt 100

Prairie Eco-Thrifter

JUNE 14, 2012

Have a Budget Firstly, you must know where your money comes from and where in needs to go. This means you must have a budget and that budget must be accurate, complete and absolutely simple and easy to follow. If your current budget is so complicated you never look at it, sit yourself down and simplify it.

Simple 221

Simple Finance Budgeting Budget 221

Prairie Eco-Thrifter

JANUARY 19, 2015

Yet, too often we make excuses not to save money, or we feel like our budget is just too tight to save. There are tricks you can use to save more money even IF your budget is very tight. Save all $5 bills that you get. A few years ago, I was operating on a cash budget. I know I would. But it doesn’t have to be.

Money 100

Money 2015 Emergency Fund Bills 100

Prairie Eco-Thrifter

SEPTEMBER 2, 2011

There are plenty of money tips for college freshman but I just have three: watch your pennies, start a budget and don’t open a line of credit. Credit Cards for College Students. It is really important to build your credit and a large part of your credit history is dependent on the average age of accounts.

College 180

College Money Student Budget 180

For the Mommas

FEBRUARY 4, 2016

Tips for Celebrating Valentine’s Day on a Budget. In fact, it’s quite easy to celebrate Valentine’s Day while being on a budget. Now, there are a couple things you should take into account when it comes to celebrating Valentine’s Day on a budget. Valentine’s Day Candy on a Budget.

Budget 40

Budget Budgeting Chocolate Homemade 40

Savings Corner

DECEMBER 24, 2023

One of the biggest benefits of a personal loan is that they often charge lower fixed interest rates when compared to other forms of lending, like credit cards. Pros Lower interest rates: Personal loans typically have lower interest rates compared to credit cards, especially if you have a high credit score.

Debt 52

Debt Credit Cards Credit College Tuition 52