For the Mommas

DECEMBER 21, 2015

10 Ways to Recover From Christmas Debt. The following tips are meant to help you recover without becoming overwhelmed by your Christmas debt. #1: 1: Accept the Debt. . #1: 1: Accept the Debt. But, do you seriously think there is going to be a time when your Christmas debt is going to seem smaller? 2: Focus on It.

Debt 40

Debt Christmas Credit Cards Bills 40

Family Balance Sheet

APRIL 11, 2020

We paid off our last non-mortgage debt in September and have since sent that loan’s monthly payment to our mortgage principal. I set up a strategy years ago to pay for those yearly expenses , so thankfully, there’s money for these bills and we won’t fall behind. Stop sending an extra payment to our mortgage.

Budgeting 246

Budgeting Budget Family Debt 246

Saving Cents With Sense

JANUARY 24, 2012

Then more than a year ago something in me changed after a health scare and I realized that it’s important to pay off debt and save more than ever. I’m currently taking care of my debt one month at a time. However, I know now that paying off debt is more important. Learning to be frugal isn’t going to happen for me overnight.

Pay Off Debt 94

Pay Off Debt Debt Credit Cards Frugal Parenting 94

Family Balance Sheet

MARCH 5, 2021

Yep, I found a $20 bill on a morning run at the beach! I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. Neither my husband nor I have been to Europe so this was a big deal and we were very excited to be able to take our kids on such a trip. Whew, got all of that!

February 257

February Money Airline Flights 257

Savings Corner

DECEMBER 25, 2023

To calculate how much house you can afford, we take into account a few primary items, such as your household income, monthly debts (for example, car loan and student loan payments) and the amount of savings available for a down payment. How does your debt-to-income ratio impact affordability? Debt and expenses. Credit profile.

Calculators 52

Calculators Debt Insurance Taxes 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. If you’re lacking on equipment front, check out Amazon for some great deals on appliances. Start cutting back and shopping around for ways you can reduce your monthly bills so you can join me on the road to financial freedom.

Bills 124

Bills Money Insurance Saving Money 124

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. Here are some of the most common applications.

Debt 52

Debt Credit Cards Credit College Tuition 52

Prairie Eco-Thrifter

AUGUST 6, 2013

With everything that’s going on right now, we can’t really afford to take on that kind of debt obligation. Are You Prepared to Take on That Debt? In a perfect world, you co-sign on the debt, the borrower makes payments on time, builds a bit of a good credit history, eventually pays off the loan.

Debt 238

Debt Credit Money At&T 238

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

Family Balance Sheet

JUNE 30, 2015

At the time, I wasn’t sure how we were going to pay our monthly bills, so future plans like funding our retirement , our daughters’ college education, or a lavish vacation were not on my mind. But once I created our debt freedom plan and outlined the steps we would take to wade through the hardships, I was overcome with relief.

Financial Goals 100

Financial Goals Debt Goals Emergency Fund 100

Family Balance Sheet

FEBRUARY 19, 2022

Pay our bills in a timely manner. Most are now set up on automatic billing which almost makes this a non-issue, but early on when I mailed actual checks, paying bills on time was a top priority. Implement our Debt Freedom Plan. Create our family’s financial goals and Debt Freedom Plan.

Office 130

Office Family Finance Kids and Family 130

Prairie Eco-Thrifter

APRIL 3, 2014

After realizing a financial mistake, like miscalculating a debt or failing to plan for a bill, and then beating yourself up on top of that financial stress, you’ll probably want to do something to make yourself feel better. Negative thoughts and attacks are hard to deal with. Placating Through Spending. Plan Your Next Step.

Emergency Fund 218

Emergency Fund Debt Bills Money 218

Family Balance Sheet

FEBRUARY 2, 2017

They pay off mountains of debt and scream about debt freedom, or maybe they save gobs of money in a record amount of time, or they have considerable success with their new small business. Meet The Achievers: Deacon and his wife paid off $52,000 in debt in 18 months. In reality, they were driven, focused, and S.M.A.R.T.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Penny Pinchin' Mom

FEBRUARY 16, 2024

What about when your bills are simply pulling you under? Should you just pretend that you don’t have savings and increase your debt ? Your bills are going to be there, and you can’t simply not save money because you have to pay bills. I coupon and hunt for deals like a mad woman! So, what do you do?

Saving Money 52

Saving Money Money Saving Bills 52

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

Prairie Eco-Thrifter

AUGUST 22, 2011

Big energy bills can bleed your budget dry, not to mention the potential impact on the environment. Here are some ways you can reduce your energy bills. Cutting Your Heating Bills. You could be paying over the odds if your bill is based on estimated readings. Cutting Your Electricity Bills. Fix draft excluders.

Bills 224

Bills Appliances Home and Garden Green 224

Prairie Eco-Thrifter

NOVEMBER 6, 2013

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. I hate getting a bill for something I ate, digested and eliminated a month ago! Here is why.

Credit Card Rewards 228

Credit Card Rewards Credit Cards Credit Rewards 228

Prairie Eco-Thrifter

JANUARY 18, 2019

Here are some situations that could warrant the need for quick funding: Debts Must Be Settled: For those that care about their credit score, paying off a debt means making sure that each monthly payment is made on time, and in full. Divorce or Lawsuit: From court fees to lawyer bills, the justice system is not cheap.

Credit Cards 100

Credit Cards Credit Debt Hawaii 100

Birmingham Bargain Mom

JANUARY 12, 2012

This is a great way to earn extra cash towards bills, paying off debt or even special vacations -- selling metal or aluminum cans.

Pay Off Debt 65

Pay Off Debt Recycle Recycled Recycling 65

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? What kind of debt was it?

Debt 100

Debt Credit Cards Debt Free Student 100

Savings Corner

FEBRUARY 2, 2024

If you have bad credit or no credit history, your power company or water utility might require you to pay a deposit or get a letter of guarantee from someone who agrees to pay your bill if you can’t. You’ll get a card with your name on it that you can use for purchases, but your parent is legally responsible for the debt.

Credit Cards 52

Credit Cards Student Credit College 52

Family Balance Sheet

FEBRUARY 3, 2016

Today’s Debt Free Story is from Charissa. How much debt did you pay off? What kind of debt was it? We started paying it off when we got married and became debt free just shy of our second anniversary. What inspired you to become debt free? They didn’t like debt, and as I grew up, neither did I.

Debt 100

Debt Debt Free College Finds 100

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. How much debt did you pay off? What kind of debt was it? In total I estimate I paid off round $40,000 worth of debt, though depressingly a fair chunk of that was just interest.

Debt 100

Debt Finds Debt Free Pay Off Debt 100

Family Balance Sheet

JANUARY 14, 2011

Cookies needed to be baked, house work needed to be done, bills that needed to be paid, blog posts needed to be written and snow balls needed to be formed. Deals From Around the Web: Join Zulily for Daily Deals for Moms, Kids and Babies. And while it was fairly mild compared to last year's Snowpocalypse.my Lots of great posts.

Daughter 100

Daughter Debt Personal Finance Finance 100

For the Mommas

JULY 27, 2016

Eliminate debt. Credit card debt and high-interest loans are costing you money that you could use in the long-run. Prepare to live on one income by paying down, or paying off, these debts. Take a look at all your monthly bills – utilities, groceries, insurance – and come up with a plan to reduce them. Reduce expenses.

Baby 40

Baby Debt Credit Cards Phone Service 40

Prairie Eco-Thrifter

APRIL 10, 2014

By not dealing with the long term reality in the present, things inevitably become more difficult. When you overspend for convenience, you sink into debt, stuck with high interest credit card payments and risk of damaging your credit when you fall behind on your bills.

Price 209

Price Rent Financial Goals Converse 209

Couponing 101

JULY 26, 2011

Today, you can pick up pretty much any book, newspaper, or magazine and find an article about getting out of debt. Did you know that: * Nellie Mae reports that the average amount of credit card debt held by college graduates is $2,700. * USA Today reports that the average college graduate owes about $19,000 in student loan debt. . *

Saving Money 103

Saving Money Money Kids Debt 103

Family Balance Sheet

OCTOBER 12, 2018

My Favorite Recent Grocery Deals: 17 cents each!! Lately the deals have been really good and I just cashed out $21 two weeks ago at Ibotta. My most recent favorite deal was when I bought 5 sour cream containers for 17 cents each by stacking an Ibotta cash back rebate with a store sale. from Ebates. from Ibotta rebate.

Frugal 100

Frugal Freezers Friends And Family Sale Financial Goals 100

Prairie Eco-Thrifter

OCTOBER 5, 2011

You might also be entitled to assistance from services for free food or food stamps, assistance with bills or medical treatment. Pitch providers against each other and see who comes up with the best deal for you. 7.) Pay only the minimum on debts. 2.) Apply for jobs. 4.) Cut unnecessary services.

Unemployment 200

Unemployment Debt Job Loss Money 200

Prairie Eco-Thrifter

OCTOBER 21, 2012

They aren’t concerned about the latest deal, craze or freebie. Kristen from My Dollar Plan reminds us Why You Should Tell Your Family About Your Debt. Peter from Bible Money Matters shares 10 Tips to Save Money on Your Christmas Shopping and Avoid Going Into Debt. We should take a moment to refresh our perspective.

Personal Finance 219

Personal Finance Finance Debt Money 219

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

JANUARY 19, 2011

Allow for change: Just because you got a certain deal a year ago on a phone plan doesn’t mean there isn’t a better deal available now. Staying healthy can save you tons on medical bills as well as insurance. Never go past due: This one is pretty simple; always pay your bills on time.

Saving Money 124

Saving Money Money Insurance Bills 124

Saving In Akron

MARCH 9, 2011

I did not go into debt for this vehicle. Lack of debt means freedom and the ability to make the choices you want to make. I am sharing this with all of you because I want to support you not just in getting the best deals for yourself, but in maintaining a debt free lifestyle. I paid cash. Anyone can do this.

Emergency Fund 100

Emergency Fund Daughter Cars Car 100

For the Mommas

JANUARY 23, 2013

Saving more (52%), spending less (19%) and paying off debt (19%). 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. Depending on the amount of debt and the different interest rates, the savings could add up.

Monitors 40

Monitors Credit Debt Consumer 40

Prairie Eco-Thrifter

AUGUST 6, 2012

Sometimes, fitness centers even require a contract; signing a contract for such a membership usually affords you a better monthly deal, but it locks you in for a certain amount of time offering little flexibility. Environment This is a bigger deal to me than even the cost. How Can Thriftiness Become a Debt Relief Option?

Green 202

Green Frugal Cycle Green And Frugal 202

Saving Cents With Sense

JANUARY 27, 2011

View your bill online or by email. Pay using your own bank’s online bill pay (the same way you pay other bills through online banking). You’ll find even more deals and fun conversations. 4) “Like” Shop Debt FREE (eBillme) on Facebook and leave a comment letting me know that you do. just leave me a comment!

Gift Cards 76

Gift Cards Giveaway Gifts Bills 76

Prairie Eco-Thrifter

OCTOBER 15, 2011

Good Financial Cents: What to Watch For With Debt Settlement Companies Considering using a debt settlement company? Here’s some tips to be wary of when trying to consolidate your debt. Deliver Away Debt: What Is Quantitative Easing and Why Won’t It Stop? Personal Finance Whiz : What Is An Emergency Fund?

October 200

October 2011 Finance Personal Finance 200