Penny Pinchin' Mom

MARCH 11, 2024

The post Is Credit Karma Accurate? Is credit karma accurate? How far off, if at all, is it from the numbers given by any other credit reporting agency? Being credit-worthy is almost as important as being frugal. There are just some investment projects that you simply can’t finance with your savings or credit cards.

Credit 52

Credit Identity Theft Monitors Finance 52

Family Balance Sheet

MARCH 12, 2015

7 Ways to Spring Clean Your Finances. I developed our family balance sheet years ago when I needed a way to talk to my husband about our finances. Check your Credit Report. It is good idea to review your credit report periodically to check for any fraudulent activity, such as identity theft. Review Your Bills.

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Finance Cleaning Financial Goals Goals 100

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.

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Finance Financial Goals Goals Credit 127

Savings Corner

APRIL 4, 2024

Key takeaways A HELOC allows you to access your home’s equity over a period of time — you can borrow exactly what you need as you need it, typically for lower rates than other forms of credit. However, HELOCs also have a variable rate, and the sense of a seemingly limitless credit line could make them risky for less-disciplined borrowers.

Credit 40

Credit Home Debt College Tuition 40

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.

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Personal Finance Finance Debt Money 219

Prairie Eco-Thrifter

AUGUST 8, 2012

Many financial gurus extoll the virtues of giving, and even indicate that giving is part of successful finances. Conscious Spending as You Attempt to Budget According to Your Values One of the most important things you can do for your finances is to budget according to your values. What are your priorities?

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Finance Giving Donation Taxes 188

Prairie Eco-Thrifter

NOVEMBER 6, 2013

Credit card rewards programs are no different. Many people today seem to prefer paying by credit card. An August 2013 issue of Daily Finance, in an article entitled Credit Card Debt Falling But Still Very High reported: “According to data from the Federal Reserve, as of July 2013, the average indebted household in the U.S.

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Credit Card Rewards Credit Cards Credit Rewards 228

Family Balance Sheet

SEPTEMBER 21, 2015

We carried no credit card debt and we contributed to our retirement. I was reminded that even though August 2013 was a scary time, I learned some valuable lessons and proved to myself that I can make positive changes with regards to my family’s finances. 5 Lessons Learned When Our Finances Went Awry. photo credit.

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Finance Debt August 2013 100

Family Balance Sheet

FEBRUARY 19, 2022

In highly affluent circles, a family office is a private wealth management firm that manages the finances and investments for the ultra-wealthy and their families. While I was still helping my husband from home with his business, I felt like I wasn’t contributing to our finances and that drove me crazy. Project short-term cash needs.

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Office Family Finance Kids and Family 130

Savings Corner

DECEMBER 27, 2023

Open a business bank account Keeping your business and personal finances separate is key to managing your business finances. Understand your startup financing options Most businesses need a little capital to get started. Startups should look to other financing options. See your loan options with Fundera by NerdWallet 8.

Finance 52

Finance Taxes Insurance Software 52

Motherhood Moments

MARCH 4, 2023

Source : freepik.com Managing finances can be an incredibly stressful and overwhelming endeavor. 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.

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Debt Money Building Credit Cards 130

Family Balance Sheet

DECEMBER 29, 2020

If your fresh start for the New Year includes improving your finances, you are not alone! This package is designed to help you organize your finances, create a budget, plan for major purchases, understand your cash flow, and track your net worth. I created it as a way to communicate our finances to my husband.

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Budget Budgeting Family Property Taxes 130

Family Balance Sheet

MAY 4, 2021

Yep, I found a $20 bill while running on the beach! Credit Card Cash Back Redemptions in April: $439.62. Years ago during our Debt Freedom Plan, I avoided using credit cards, not because we had credit card debt, but I was trying to limit our overall spending. in credit card points. In April I redeemed $439.62

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April Money Credit Cards Donation 130

Family Balance Sheet

MARCH 9, 2018

I’ve been working behind the scenes on a tool that I personally use to track and organize our finances: Family Budget Spreadsheets. This package of 9 Microsoft Excel spreadsheets is designed to help you organize your finances, plan for major purchases, create a budget, understand your cash flow, and track your net worth.

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Budgeting Budget Family Property Taxes 160

Prairie Eco-Thrifter

JULY 22, 2021

When faced with a financial emergency it can seem like an impossible task to better your finances, especially when it comes to paying off bills and other important surprise payments. With several lenders providing you with a variety of APR’s based on the credit score that you have at the time of applying for the loan.

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Homeowner Insurance Credit Insurance Finance 100

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. Credit score and income are taken into account for most student loans.

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Student College Credit Debt 52

Prairie Eco-Thrifter

JANUARY 1, 2013

A financial advisor told me recently that the thing that really made him upset was that nearly every new client he spoke to was making the same disastrous personal finance mistakes. So let’s look at the most common personal finance mistakes and what you can do to prevent or fix them. Minimum Payments On Credit Cards.

Emergency Fund 272

Emergency Fund Credit Cards Personal Finance Finance 272

Family Balance Sheet

APRIL 1, 2015

It was all consumer debt spread over 5 credit cards. After trying to extend credit to finance the vacation and we were denied (best thing to ever happen to us) we realized we made too much money to be living like this and something had to change. We cut up our credit cards and never used them again.

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Debt Credit Cards Debt Free Credit 100

Prairie Eco-Thrifter

SEPTEMBER 5, 2019

2. Work on your Credit. It sounds strange but working on your credit rating now will give you a lot of benefits in the long-run. Think of it this way, the next time you need to borrow money, whether it’s for a personal loan, a mortgage, or a car finance loan; you’ll be able to achieve a lower rate on your interest.

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Bills Money Bank Banking 113

Family Balance Sheet

OCTOBER 15, 2021

We want to assist them in financing their college years and we needed to make some progress. 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. Right before the pandemic started, I opened 529 College Savings Accounts for our daughters.

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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.

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Debt Credit Cards Credit College Tuition 52

Prairie Eco-Thrifter

APRIL 24, 2012

Well according to the bill’s sponsors, in the resolution presented to and passed by the 112 th Congress this March, we have a lot of issues to solve. Why do we need it? According to the resolution: Twenty-five.6

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United States Personal Finance Economical Finance 202

Coupons Do Work

SEPTEMBER 8, 2016

Tmobile iphone 7 Freebie Deal: Today, September 9th and for a limited time only, new and existing T-Mobile customers can score an iPhone 7 32GB completely FREE or a n iPhone 7 Plus 32GB f or just $120 with qualifying iPhone 6 or newer trade in and a 24-month finance agreement. Qualifying customers will receive $27.09

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Sprint T-Mobile Finance Credit 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. HELOCs (home equity lines of credit) come with variable interest rates and fluctuating monthly payments (like credit cards). A home equity line of credit (HELOC) is also secured.

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Home Work Debt Credit 52

Saving Cents With Sense

MARCH 25, 2013

Do you know what your credit score is? You should because your credit score can help you save money. With good credit, you can qualify for special financing, reduced down payments or smaller monthly installments. My husband and I have worked to keep our credit clean, so we can have the best credit scores possible.

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Credit Finds Making Contest 75

Savings Corner

DECEMBER 24, 2023

Simply fill in your outstanding loan amounts, credit card balances and other debts. Fill in your outstanding loan amounts, credit card balances and other debts to see what your monthly payment could look like. Personal loans A personal loan is an unsecured loan that, unlike a credit card, has equal monthly payments.

Debt 52

Debt Calculators Credit Cards Credit 52

Prairie Eco-Thrifter

JUNE 4, 2013

Timing Matters in Finances. Money is taken from my connected personal line of credit, and I am charged a $5 fee, plus interest until the small loan is repaid. If I didn’t have that line of credit connected to my checking account , though, the consequences would be different. My other stopgap is the personal line of credit.

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Emergency Fund Money Bills Credit Cards 243

For the Mommas

JULY 23, 2012

You can get a totally free credit report (thru Experian and enter to win $250.00). Credit Sesame wants to help you ease the ‘Back to School” stress. Credit Sesame wants to help you ease the ‘Back to School” stress. Don’t worry about raking up those credit card bills, or putting a dent in your savings.

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Credit Win Credit Cards Finance 61

Savings Corner

DECEMBER 25, 2023

How much car you can afford depends on factors like your monthly income, your credit score and the features you’d like your vehicle to have. This measure compares your monthly bills to your gross monthly income. For some buyers, financing a vehicle may make sense when balanced as a part of their larger financial picture.

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Cars Car Insurance Calculators 52

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. Some lenders even specialize in certain types.

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Insurance Finance Home Education 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. The higher your credit score, the lower the interest rate you will be eligible for — which means that lower scores equate to more expensive mortgages.

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Real Estate Buy Buying Credit 52

Penny Pinchin' Mom

MARCH 11, 2024

Entries such as your mortgage, gas, electricity bill, and so on are essential. So I would suggest using this method until you have your spending habits under control, and then you can go back to the credit cards. This is when I’ve made all the mandatory payments, such as my mortgage and utility bills.

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Saving Money Money Saving Credit Cards 52

Family Balance Sheet

APRIL 19, 2016

She writes at her personal finance website, And Then We Saved. It was a mix of college loans, a personal loan from my parents (for college), an overdraft account, and credit card debt. Who handles the day-to-day finances in your home or do you work on it equally? Today’s Debt Free Story is from Anna. Where are you from?

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Credit Cards Debt Free College Debt 100

Family Balance Sheet

NOVEMBER 19, 2014

The debt included about $30,000 in student loans, some medical debt, IRS debt, and a small amount on a credit card. We lowered our living expenses and looked at our bills and decided what we could live without. Finances have definitely been the biggest strain in our 11 years of marriage. Daniel does all the day-to-day finances.

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Debt Debt Free Finance Friends And Family Sale 245

Prairie Eco-Thrifter

JULY 18, 2013

Take a peak and see what I read this week: Good Reads From The Blogosphere: Have you ever wondered How Secured Credit Cards Help You Repair Your Credit ? If so, don’t miss Ryan’s post about how they can be an option for repairing bad credit at The Better Credit Blog. A Satisfying Life Is All About Balance.

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Debt Fridays Personal Finance Goals 199

Prairie Eco-Thrifter

MARCH 14, 2011

FIRE Getters presents Top 5 Ways To Trim Our Grocery Bills! posted at FIRE Finance , saying, “We decided to optimize our grocery expenses and pull the strings on our food budget even tighter. So we spent some time researching on ways to cut down our grocery bill. Here’s how…&#.

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Frugal Movies Finance Bills 150

Saving Everyday

JULY 30, 2012

Get a free credit score & chance to win $250 ~. Credit Sesame wants to help you ease the ‘Back to School” stress. Don’t worry about raking up those credit card bills, or putting a dent in your savings. Don’t worry about raking up those credit card bills, or putting a dent in your savings. How to Enter?

Credit 40

Credit Win Credit Cards Finance 40