Prairie Eco-Thrifter

MAY 29, 2013

For those who prefer to pay with cash and avoid the credit card debt cycle altogether, building a solid credit history and high FICO score can be a challenge – but it doesn’t have to be. Pay your bills on time and avoid carrying credit card balances, and you’re well on your way to an excellent score. Debt load – 30%.

Credit Cards 234

Credit Cards Credit Building Rent 234

Prairie Eco-Thrifter

JULY 18, 2013

Pauline from Reach Financial Independence shares 5 ways to get out of debt , to show how you can accelerate your debt payments to become debt free earlier. Grayson from Debt RoundUp wants to know Why is Prepaid Such a Dirty Word? Competing With Yourself To Save On Utility Bills. Are You Financially Ready For Kids?

Debt 199

Debt Fridays Personal Finance Goals 199

Savings Corner

DECEMBER 27, 2023

But there is a caveat with prepayment: Student loan servicers, which collect your bill, may use your extra payment to advance your due date — applying the extra amount to next month’s payment. By paying an extra $100 every month on a standard 10-year repayment plan, you’d be debt-free about five and a half years ahead of schedule.

Student 52

Student Refinancing Debt Free Debt 52

Savings Corner

DECEMBER 27, 2023

These loans come with credit-building tools, flexible repayment terms and special features for debt consolidation and home improvement projects. Direct payment to creditors with debt consolidation loans. Maximum debt-to-income ratio: 75%, including mortgage and the loan you’re applying for. Minimum annual income: None.

Credit 52

Credit January Debt Credit Cards 52

Prairie Eco-Thrifter

APRIL 25, 2011

Teach them how to pay bills. If you want to raise a financially responsible child then you need to get them acquainted with bills as soon as possible. I am not suggesting that you throw them into debt! You should however teach them the importance of paying their bills in full and on time. Show them how to create a budget.

Bills 174

Bills Finance Budgeting Budget 174

Prairie Eco-Thrifter

FEBRUARY 25, 2011

Another time, we splurged long-term and bought smartphones, more than doubling our monthly cell phone bill. Sure, I enjoy using my cell phone and I will definitely get a lot of use out of our new games, but they aren’t enough to make me really happy. This isn’t about those extravagances. Vacations are clearly a luxury.

Vacation 113

Vacation Debt Kids and Family Swap 113

Family Balance Sheet

JULY 9, 2014

When my husband and I wrote our Debt Freedom Plan earlier this year, we made a commitment to scrutinize our monthly expenses to find money to put towards our plan. Last year we decided that it was time to cut the cable cord when our bill increased dramatically. We decided to cut the land line cord too since we both have cell phones.

Grocery Spending 242

Grocery Spending Financial Goals January Budgeting 242

Prairie Eco-Thrifter

SEPTEMBER 4, 2011

Many people are still trapped in debts and financial insufficiency due to the wrong formula or mindset they’ve been following ever since they got employed. Then set aside money for your monthly bills such as electricity, water, internet, phone, house, car, etc; and other expenditures like personal items. Get Out of Debt.

Family 196

Family Financial Goals Debt Goals 196

Prairie Eco-Thrifter

FEBRUARY 9, 2012

Sure you know you are in debt over your head. But there is no way you are going to give up cable, the cell phone, eating out or your gym membership. So you continue to get further in debt as you continue to spend. What is the one thing you are refusing to give up that would help you pay off your debt?

Money 203

Money Debt Finance Credit Cards 203

Family Balance Sheet

MARCH 4, 2016

Today’s Debt Free Story is a guest post from Chris Peach. The straw that broke the camel’s back was the phone call I received from Andrea: She was checking out of the grocery store with our 10 month old on her hip and our card was declined – insufficient funds. He and his wife paid off $52,000 in just 7 months.

Debt 100

Debt Finds Debt Free Television 100

Prairie Eco-Thrifter

FEBRUARY 21, 2013

Paying off debt is hard to do. Read John’s post about his stumbles on the way to paying off his debt at The Money Principle. Is it worth it to purchase insurance for your smart phone? How to Save Hundreds of Dollars a Year on Your Water Bill. And it’s even harder when mishaps occur. PET Archives.

Fridays 165

Fridays Insurance Real Estate Debt 165

Prairie Eco-Thrifter

APRIL 13, 2011

Scammers Staging as Credit Card Debt Specialists. A lot of people are in debt these days and are looking for ways out. In this scenario, the victim will get a phone call from a scammer that is claiming to be associated with a company they hold a credit card with. Carefully look over your monthly billing statements.

Credit Cards 145

Credit Cards Credit Debt Identity Theft 145

Family Balance Sheet

JUNE 8, 2018

Many years ago, our cash flow sucked, we put Christmas on a credit card, and I wasn’t sure how I was going to pay for a large tax bill. I came up with strategies to help us pay for yearly bills, large expenses, and we were able to pay off debts. During that time, I started to budget for everything. lined paper.

Budgeting 133

Budgeting Budget Financial Goals Goals 133

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. Also compare electricity, water, gas, phone, internet and other services you have. 7.) Pay only the minimum on debts. 2.) Apply for jobs.

Unemployment 200

Unemployment Debt Job Loss Money 200

Savings Corner

DECEMBER 24, 2023

While all three credit bureaus have slightly different requirements, here is the information you will generally need to provide: Depending on how you initiate the credit freeze — online, by phone or by mail — you might also need the following: Copy of your passport, driver’s license or military ID. Proof of address, like a utility bill.

Credit 52

Credit Monitors Insurance Taxes 52

Family Balance Sheet

OCTOBER 8, 2014

We’ll talk about cash flow, budgets, debts, and all of the nitty gritty of our finances that might not be fun to talk about, but are so important to discuss. To begin, gather all of your recent bills, receipts, checking & savings account statement, and/or credit card statements. Welcome to 31 Days to Organize Your Finances.

Finance 113

Finance Money Organic Organization 113

Family Balance Sheet

APRIL 1, 2021

He then advises paying off your non-mortgage debt before fully funding an emergency fund with 3 – 6 months worth of expenses. Now that we’ve paid off six figures of non-mortgage debt , we are working on saving 6 months’ expenses and maybe even more. 3 – Reduce your monthly utility bills.

Emergency Fund 130

Emergency Fund Money Finds Friends And Family Sale 130

Family Balance Sheet

MARCH 12, 2015

T – time based, tangible, Take a peek at my family’s financial goals–I keep our Debt Freedom Plan on our refrigerator door for a constant reminder of our financial goals. Review Your Bills. Use spring as a reminder to review your bills to see if you’re paying too much. Bills to review: home owners insurance.

Finance 100

Finance Cleaning Financial Goals Goals 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.

Baby 40

Baby Debt Credit Cards Phone Service 40

The Frugal Girl

MARCH 4, 2024

I can’t even imagine how many repair bills from plumbers, electricians, appliance techs, and auto mechanics he has saved us over the years. He spent $500 for parts, and we estimated a bill of well over $1,000 had all the work been done at a service station. I’ll bet the dollar amount would be staggering. Made me proud!

Green And Frugal 178

Green And Frugal Kids and Family Hotel Frugal 178

Prairie Eco-Thrifter

JUNE 14, 2012

Your budget helps you manage your debts, get them paid off and stops you getting in any deeper. No more nasty phone calls or letters of demand! Get a Debit Card The next step to simplifying your finances is to get a debit card linked to your working account, (the one that does the work of paying your bills and expenses).

Simple 221

Simple Finance Budgeting Budget 221

Prairie Eco-Thrifter

MAY 8, 2011

Give your phone company a call and ask about better packages and lower rates. Our phone and internet fees doubled in price so we called to see if we could get a better deal. I did this yeas ago when I was in debt and it made paying off the debt a reality. She was still struggling with college credit card debt.

Saving Money 232

Saving Money Money Credit Cards Insurance 232

Savings Corner

DECEMBER 27, 2023

Top balance transfer credit cards BankAmericard® credit card: 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account. It’s a versatile card, but use it just for gas and you’ll earn an impressive 5% back per billing cycle, up to $500 spent — for no annual fee.

Credit Cards 52

Credit Cards Credit December Airline 52

Prairie Eco-Thrifter

JUNE 14, 2012

No Biggie, As Long as You’ve Got Your Phone posted at Wallet Blog , saying, “Like the idea of using your smartphone for everything, but would rather use cash than make contactless payments and lose track of your budget? Se how you can do this any why you need to. Financial Planning Odysseas presents Forget Your ATM Card?

Money 124

Money 2012 June Credit Cards 124

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

Prairie Eco-Thrifter

AUGUST 17, 2017

High school grads today have seen parents using credit cards (or maybe even their cell phones) to charge everything from gas to groceries to online purchases. ” You don’t, after all, want to spend 4 years sinking into credit card debt and then have to dig your way out while trying to start your career.

College 133

College Graduation Used Points 133

Family Balance Sheet

JANUARY 5, 2019

I want to reduce our debt by paying off our last non-mortgage loan. . It was a goal in 2018, but high medical bills and other financial challenges hindered our progress. I recently just put a 30 minute screen limit on my phone for social media and hopefully that will help me reduce my time spent on a daily basis.

2019 100

2019 Recycle Recycled Recycling 100

For the Mommas

JANUARY 20, 2016

Pay your bill on time or early every month. More purchases equals more spent money equals more credit card debt. If you do spend that much, can you pay off the debt? Now that you’re older, even if you have a steady income there are still some credit card rules to live by. Just say no. Avoid gimmicks. Be responsible.

Credit Cards 40

Credit Cards Credit Debt Equal 40

Prairie Eco-Thrifter

JULY 16, 2013

If you’re trying to save money, pay down debt, or both, then you might want to consider skipping your family’s usual summer trip and plan staycations instead. Geocaching is the new high-tech form of treasure hunting using a GPS-enabled cell phone. Have a Potluck Party. The adults can socialize while the kids are playing.

Frugal Life 242

Frugal Life Frugal Kids and Family Inexpensive 242

Family Balance Sheet

FEBRUARY 16, 2016

He then advises paying off your non-mortgage debt before fully funding an emergency fund with 3 – 6 months worth of expenses. Being self-employed, we have a higher starter fund on hand and when we pay off our non-mortgage debt, we will save to at least 6 months expenses and maybe even more. 1 – Determine how much you need.

Emergency Fund 100

Emergency Fund Money Finds Friends And Family Sale 100

Fashion Without Guilt

APRIL 2, 2009

After the main bills are taken care of, you can start to see what is left over and plan for your luxuries. Rudder - Rudder is the only product that looks forward and determines how much you can spend today and still pay all your bills. Obopay - Use any mobile phone to get, send, or spend money. It's just in our nature.

Finance 40

Finance Budgeting Budget Mobile Phone 40

Saving Everyday

JANUARY 10, 2012

The debt of gratitude that I feel for all of you, most of whom I will never meet, is indescribable. From working with your creditors, to negotiating your bills, to clever ways to save. And my husband who flew back and forth from Afghanistan and has been there for me via messenger, phone, and email every single day.

Money 53

Money Work Saving Money Daughter 53