Saving Cents With Sense

JANUARY 1, 2016

I know many of you are in similar situations of needed to save, but wanting to pay off debt, and eventually be able to put money in savings. Through lay offs, new jobs, new schools, illness, and everything else involved with a family, we have had our ups and downs. Make a list (with coupons of course!) and much more.

Saving Money 40

Saving Money 2016 Money Pay Off Debt 40

For the Mommas

JANUARY 23, 2013

Saving more (52%), spending less (19%) and paying off debt (19%). Is now really the best time to buy that new couch or could you find one for free? One of the easiest and most overlooked ways to spend less is by re-evaluating your debt and improving your credit score. Paying Off Debt.

Monitors 40

Monitors Credit Debt Consumer 40

Family Balance Sheet

SEPTEMBER 29, 2016

Before we left I was already feeling stressed from juggling 8 payments on top of our regular household bills and expenses. I knew that we had to do something different because we made a decent family income, but had nothing to show for it except for the mountain of bills that I had laid out in front of me.

Debt 100

Debt Debt Free Budgeting Budget 100

Family Balance Sheet

JULY 2, 2015

We had been paying on it our entire marriage, but could not afford to pay too much above the minimum payment requirement. We ended up buying a house from a relative, which put us in even more debt. Having more of a minimalist mentality has helped us to buy less and to own less. We live beneath our means.

Student 100

Student Debt Debt Free Finds 100

Family Balance Sheet

JUNE 16, 2015

I was 22 weeks pregnant, and left with a leg injury and a mound of medical bills. 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. What are your top 3 – 5 tips for saving money/pinching pennies to put towards paying off your debt.

Debt 100

Debt Debt Free Finds Goals 100

For the Mommas

JULY 24, 2016

You can use the difference in income to pay off debt, save or invest. Buy as small a house as you can while still being comfortable. Buying isn’t always the better investment. If you calculate your mortgage interest, the cost of insurance and maintenance, buying can be much more expensive than renting.

Frugal Lives 49

Frugal Lives Frugal Living Frugal Magazine and Newspaper Subscriptions 49

Family Balance Sheet

AUGUST 5, 2015

We had become so accustomed to living off both incomes that we really had to re-adjust a few lifestyle choices so we could live off just my husbands income. This ultimately is what put us on the fast track for paying off debt in such a quick amount of time. If married, who initiated the debt free goal?

Debt 100

Debt Debt Free Finds Finance 100

Savings Corner

DECEMBER 24, 2023

Working to improve your credit score and reduce your debt-to-income ratio before applying can help get you the best loan terms. Common reasons include paying off debt, financing a large purchase such as a vehicle or a boat, or covering the cost of a major expense like a wedding or a home renovation.

Debt 52

Debt Credit Cards Credit College Tuition 52

Family Balance Sheet

AUGUST 4, 2014

When Jon and I were married, we acknowledged that high paying careers were not on the docket for us, knowing that we wanted to have both comfortable and generous lives we decided that we would have to be incredibly diligent with our resources. The first step in this diligence was paying off debt.

Debt Free 243

Debt Free Debt Goals Student 243

Savings Corner

APRIL 4, 2024

You can deduct the interest (up to the limit) if the home equity loan is used to “buy, build or substantially improve” the property. Consolidating high-interest debt: If you’ve been struggling to pay off debts with high costs like credit cards, a home equity loan can make a big difference in the amount of interest you’re paying.

Home 52

Home Debt Credit Cards Credit 52

Prairie Eco-Thrifter

OCTOBER 15, 2011

Money Cone: 9 Impulse Buys that Turned Out Better than Expected We’ve all bought stuff based on commercials that turned out nothing like how it was advertised. Sometimes we buy stuff on a whim, only to be disappointed later. But not all my impulse buys have been duds. That man was Steve Jobs. Shamwow guy, you listening?)

October 200

October 2011 Finance Personal Finance 200

Family Balance Sheet

JUNE 22, 2020

We have thought about moving to a larger home with more space, but a smaller home means lower utility bills, homeowners’ insurance premiums, maintenance, and property taxes. Our monthly costs have gone up since 2017, but we’re still paying much less than we would with traditional health insurance. We drive older cars.

Debt 130

Debt Health Insurance Insurance Budgeting 130

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 made sure we could afford the monthly payments on a 15 year mortgage, with the mindset that we would pay more each month. What inspired you to get debt free? There were two things that inspired us to pay off debt.

Debt 100

Debt Debt Free Pay Off Debt Finds 100

Family Balance Sheet

JUNE 2, 2016

However, working in retail as I did, I was never a “big earner” While I tried to repay my student debt, the small payments I could afford made very little inroads. Firstly, I was offered a better-paid job but needed a vehicle to get there, so I took out a loan to buy one. Initially it all seemed fine.

Debt 100

Debt Finds Debt Free Pay Off Debt 100

Prairie Eco-Thrifter

JULY 25, 2011

Miss T, in her post “ Remember, Slow and Steady Wins the Race ” states “After failing [to get out of debt] a couple times, I came to the realization that I needed a new plan, one that was attainable and manageable for the long term. Paying off debt is great but having no quality of life in the process is not the way to do it.

Debt 172

Debt College Goals Life Insurance 172

Family Balance Sheet

JANUARY 7, 2015

Don’t buy it. We just decided to pay our house off as quickly as possible because we didn’t even want to be saddled with a mortgage. We wanted to be free to give as much as we could… and to never have to worry about bills. We quit when we were paying off debt. Oh and toilet paper.

Debt Free 100

Debt Free Debt Budgeting Budget 100