Family Balance Sheet

JANUARY 25, 2019

It’s so easy to get caught up in all of the bargains that stores throw at us in November and December. 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.

2019 100

2019 Club Christmas 2018 100

Family Balance Sheet

SEPTEMBER 25, 2019

Welcome to the 2019 Christmas Savings Club. The club is open to anyone who wants monthly accountability to save for a cash Christmas. I added the check to our savings. In March, I added $70 in $1 bills that I had been setting aside for the past year. My monthly goal is $100.

2019 100

2019 September Club August 100

Family Balance Sheet

JANUARY 2, 2013

Another Christmas has passed by and while the memory of the Christmas shopping and spending is still lingering in my head, I've come up with a plan for all of us to start saving for 2013. Unless it's paid with cash, that is one hefty credit card bill come January. We have to plan and save for it.

2013 113

2013 Christmas Club January 113

Family Balance Sheet

AUGUST 30, 2014

Lately when I see my bill at the check out, I’m shocked at how few groceries are actually going home with me. On the 30th of each month, between January and November in 2014 , we will meet here to discuss our challenges and successes for the month with our grocery budget.

Budgeting 100

Budgeting Budget Groceries Grocery 100

Family Balance Sheet

OCTOBER 18, 2019

We ran the numbers of the purchase and they looked great on paper, but paper doesn’t account for a new server, a roof leak, unexpected medical bills, and other calamities. I menu planned consistently to keep our grocery bills under control. In November 2016, we started contributing again to our retirement.

Debt 100

Debt 2019 Financial Goals Emergency Fund 100

Family Balance Sheet

MARCH 4, 2016

I started changing the oil in our cars, I became our landscaper, and we both cut out any monthly bill that wasn’t a requirement for living. Finally in November 2011, just 7 months after we started, we looked down on paper and realized we were one payment away from debt freedom. We were living on scorched Earth. It didn’t stop there.

Debt 100

Debt Finds Debt Free Television 100

Family Balance Sheet

FEBRUARY 9, 2018

However, on November 1, 2016, we logged on to healthcare.gov to renew for 2017 and found premiums had doubled and the options were limited. We hit our Annual Household Portion (think: deductible) with this medical event and our medical bills started to be paid by the other members’ shares. A recap of our medical bills for 2017.

Health Insurance 113

Health Insurance Insurance 2017 Bills 113

Saving Everyday

JULY 13, 2012

This is the first year I started a Disney/vacation savings account of $25 a week. Also, since losing my Dad in November , I’ve been wanting to get back more often to help my step-mom. Here we go… Disney Trip 2012 – Total Savings Goal = $2555.35. 5-Night Package with Dining = $1585.35.

Disney 83

Disney Hotel Goals Money 83

Family Balance Sheet

MARCH 17, 2017

In November of 2016 we were facing a hefty health insurance premium increase for 2017 that was more than twice what we paid in 2016. We had a few sleepless nights in November and I truly felt betrayed by the health exchange and insurance companies. billion in medical bills. Sleepless Nights. Acts 2:44-45.

Health Insurance 164

Health Insurance Insurance Health Bills 164