Family Balance Sheet

SEPTEMBER 2, 2022

I’m always looking for ways to save my family money to not only help us get through current higher food and gas prices but also to help us achieve our big financial goals. Coincidently, our credit union was offering a free shred day AND free breakfast for participating. But in the end, $155 is still a gift.

August 130

August Frugal Green And Frugal Financial Goals 130

Penny Pinchin' Mom

DECEMBER 17, 2023

So, you want to get started on debt repayment so you can focus on other financial goals? However, if you pay off these debts, there will be nothing left for investments in these tough financial times. Doing this actually gave me the peace of mind that I needed to focus on my financial goals.

Pay Off Debt 52

Pay Off Debt Debt Emergency Fund Financial Goals 52

Penny Pinchin' Mom

MARCH 11, 2024

Whether you are looking to save extra money for your emergency fund and potential unexpected expense, a new kitchen, or your kids’ college tuition—you name it—you will require self-discipline and a plan to reach any financial goal. You can even use a budgeting app if you need a little more support reaching your financial goal.

Saving Money 52

Saving Money Money Saving Credit Cards 52

Prairie Eco-Thrifter

MAY 30, 2012

Not Having a Budget I know, you’ve heard it all before but have you taken action on this one yet? A budget provides you with a financial roadmap to get to where you want to be in life. A budget helps you track your finances so you know exactly where you are and whether you’re on track.

Money 235

Money Emergency Fund Debt Financial Goals 235

Family Balance Sheet

APRIL 19, 2016

It was a mix of college loans, a personal loan from my parents (for college), an overdraft account, and credit card debt. How often do you and your spouse discuss your finances/budget/spending? What are your financial goals now? How long did it take you? I paid off $23,605.10 and it took me 15 months.

Credit Cards 100

Credit Cards Debt Free College Debt 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. You can get a personal loan from online lenders, banks and credit unions, and the funds are provided in a lump sum. If you can’t, you risk doing lasting damage to your credit.

Debt 52

Debt Credit Cards Credit College Tuition 52

Prairie Eco-Thrifter

APRIL 13, 2011

Are you surprised when your credit card bill arrives at how much more you charged than you thought you had? We need to work together to set some financial goals and a budget for you so that you can resist spending money on items that really don’t matter in the long run. Leave your credit cards at home.

Financial Goals 174

Financial Goals College Tuition Goals Credit Cards 174

Family Balance Sheet

SEPTEMBER 17, 2021

In fact, it was one of my 2020 financial goals. Contact Info – I included names and numbers of extended family members, along with business cards of important contacts. Credit cards. I had all of this info scattered in my brain and in different file folders. Bank accounts. Retirement. Business Accounts.

Family 130

Family Financial Goals 2020 Insurance 130

Prairie Eco-Thrifter

MARCH 24, 2013

He pays off his credit card BEFORE the statement comes! Set your financial goals. In order to meet some financial goals, you must take some level of risk. However, unless you agree on what your financial goals are as a couple, chances are you won’t get there. Nothing in life is certain.

Financial Goals 222

Financial Goals Goals Money Real Estate 222

Family Balance Sheet

FEBRUARY 23, 2015

Our main financial goal in 2015 is to pay down our non-mortgage debt. I have scrutinized our budget tirelessly and I really feel like there’s nothing more to cut, so my focus is turning to finding money to put towards debt. We use a Discover credit card to pay for monthly expenses at our business.

Debt 100

Debt January Money Financial Goals 100

Family Balance Sheet

FEBRUARY 4, 2015

We also continued using debit and credit cards (paid in full multiple times per month) for the convenience of tracking our expenses online. We have never carried credit card debt during our marriage, so we felt comfortable that it wouldn’t be a temptation. What are your financial goals now?

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Family Balance Sheet

MARCH 6, 2012

Make Clear Financial Goals {Together}. Take some time to discuss your family and marriage's financial goals. I have found that there is less tension when we are both on the same page with our goals, but you need to take the time to discuss those goals together. Do you want to eliminate your credit card debt?

Money 225

Money Financial Goals Goals Kids and Family 225

Family Balance Sheet

SEPTEMBER 9, 2014

About $52,000 of that $147K was consumer debt (credit cards, a student loan, a car loan, a home improvement loan, etc.) We just wanted to pay off our credit cards, which seemed like a huge task since we’d struggled with it for years. Who initiated the debt free goal? What are your financial goals now?

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Family Balance Sheet

APRIL 9, 2021

Stressed out, we ventured into Dave Ramsey’s online Financial Peace University home course for help. Prior to FPU, we thought we were doing well financially and never considered that we had too much debt. We agreed that credit card debt wasn’t very smart, but a car loan? Celebrate with CASH, not credit! Prioritize.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

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 ate at home a lot and watched our food budget carefully. We still allotted a lot of money for food, but we were careful not to go too far over budget. What are your financial goals now?

Debt 245

Debt Debt Free Finance Friends And Family Sale 245

Savings Corner

DECEMBER 24, 2023

Get started: Define your personal and financial goals. 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. Your bank or credit card company might offer free access to your score or credit report, too.

Real Estate 52

Real Estate Buy Buying Credit 52

Family Balance Sheet

SEPTEMBER 20, 2016

She hosts a You Tube channel, The Former Mrs. Jones , where she vlogs about budgeting, debt free living, and family life. It started with $40,000 in consumer debt (vehicles, credit cards, small student loan) and then sold our home and eliminated the $140,000 of mortgage debt. We tried our best to stretch the food budget.

Debt 100

Debt Debt Free Bath and Body Works Gas 100

Family Balance Sheet

JULY 22, 2015

It consisted of student loans, a car loan and even some credit card debt. After putting together a budget, it took us 18 months to pay off all of that debt! The main arguments we had happened when we overspent in a budget category. How often do you and your spouse discuss your finances/budget/spending?

Debt 100

Debt Debt Free Finance Finds 100

Family Balance Sheet

SEPTEMBER 29, 2016

You can find Angela at her You Tube channel, Our Life…on a Budget , where she vlogs about getting out of debt and staying there! We also had four credit cards, two lines of credit, and a car loan. The first thing we did was to review our spending and create a budget. Tell us about you and your family.

Debt 100

Debt Debt Free Budgeting Budget 100

Prairie Eco-Thrifter

JULY 4, 2011

They are also there working with you to help you reach your goals; even those financial goals. Nathan Richardson from ComplexSearch.com presents What’s a Good Credit Score? Sometimes a cash diet (not a crash diet) is necessary to get the ball rolling to help you reach your goals.

Personal Finance 240

Personal Finance Finance Family Debt 240

Family Balance Sheet

MARCH 18, 2015

She is the author of the successful website, Living Well Spending Less , where she writes about finding the Good Life on a budget. We thankfully have always been good about paying off our credit cards each month. We started making a monthly cash budget and paying with cash instead of credit or debit cards.

Debt Free 100

Debt Free Debt Finds Home and Garden 100

Family Balance Sheet

JUNE 16, 2015

She blogs about living a limitless life on a limited budget at Frugal Debt Free Life. We paid off $36,000 in student loans, credit cards, cars and a bit of medical debt. How often do you and your spouse discuss your finances/budget/spending? So I take the clothing or grocery budget and stretch it as far as I can.

Debt 100

Debt Debt Free Finds Goals 100

Family Balance Sheet

JANUARY 20, 2017

medical bills, a small credit card, both of our cars, and student loans. We tackled our small credit card balance, then our. strict budget. We committed to using a cash budget, and we talked daily at. 1 – Set a budget. Not only did we write a new budget before the start of. How long did.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

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. During that time, I started to budget for everything. Every aspect of our lives was included in our budget. Another way to think of a budget is a spending plan. lined paper.

Budgeting 133

Budgeting Budget Financial Goals Goals 133

Family Balance Sheet

JANUARY 21, 2015

We paid down mostly student loans, vehicles and business credit card debt ( we already own a home outright ). Finally, we took the dive by making a budget and starting our debt snowball. Yes, we followed the recommendations outlined in Dave Ramsey’s resources, Total Money Make Over/ Financial Peace University.

Debt 100

Debt Debt Free Las Vegas Finance 100

Prairie Eco-Thrifter

MAY 10, 2012

The Skilled Investor , Editor Budgeting and Economics Little House presents The Five Tool Budgeter posted at Little House in the Valley , saying, “In baseball, a five-tool player is one who excels in some of the game’s major skills: fielding, base running, hitting for power, hitting for contact, and throwing ability.

Money 113

Money May 2012 Debt 113

Family Balance Sheet

AUGUST 5, 2015

10K in car payments, $35K in credit card debt. He was always trying to put us on budgets, help us look for ways to save and not spend so much but we never found a system that worked for us and continued in spending behaviors that didn’t help advance goals. What are your financial goals now?

Debt 100

Debt Debt Free Finds Finance 100

Savings Corner

APRIL 4, 2024

Here’s generally how it works: The lender will do a credit check. You’ll turn in any required financial documentation. But there’s one key difference: You use the cash from the equity you’ve built in your home to repay other non-mortgage debt, like credit card balances. You’ll pay for a home appraisal.

Refinancing 52

Refinancing Work Debt Financial Goals 52

Prairie Eco-Thrifter

NOVEMBER 12, 2011

Funancials: Lesser Known Credit Card Perks – Most people are aware of the advantages to using a credit card. Budgeting in the Fun Stuff: The Dollar Challenge – 20?s Smart Family Finance: Is Your Budget Easy to Beat? You are Probably Budgeting Wrong!

November 188

November 2011 Personal Finance Finance 188

Family Balance Sheet

JULY 2, 2015

We rarely use a credit card and if we do, we pay it off right away. Just as others may struggle with staying on budget, we struggled in dealing with not having much time for each other or as a family during that time. How often do you and your spouse discuss your finances/budget/spending?

Student 100

Student Debt Debt Free Finds 100

Family Balance Sheet

APRIL 12, 2016

I had $29,000 in MBA student loans, $14,000 in credit cards, and $13,000 in a car loan. I ended up taking Financial Peace University as well. Simply doing a budget. Definitely a monthly budget – I always create one every month. I no longer use credit cards – only debit cards or cash.

Credit Cards 100

Credit Cards Debt Debt Free Student 100

Family Balance Sheet

DECEMBER 10, 2014

After my first marriage fell apart, I ended up with over $14,000 of consumer debt, made up of a car loan and credit cards. I did the regular budget audit and cut things out like entertainment, fast food, and going out with friends. How often do you and your spouse discuss your finances/budget/spending?

Debt 227

Debt Debt Free Financial Goals Goals 227

Prairie Eco-Thrifter

JANUARY 7, 2015

If you didn’t ring in the New Year with thousands of dollars in savings, no debt, and a budget, there is always time to get on the right track. The year end review stage is also a great time to order a free credit report for yourself to review any potential errors on it and get them wiped away before the year progresses.

Goals 100

Goals Financial Goals New Year's Budgeting 100

The Frugal Girl

MARCH 4, 2024

A lot of blood, sweat, and tears were shed here, but we both agree that having no mortgage gave us a serious leg up on our retirement savings and other financial goals. I track expenses, monitor our budget and handle all of our investments. My personal best frugal win was marrying a guy who can and will fix almost anything.

Green And Frugal 181

Green And Frugal Kids and Family Hotel Frugal 181

Family Balance Sheet

FEBRUARY 3, 2016

She helps readers gain control of their finances and live well on a budget at her blog Cook with a Shoe . We paid off $7,665 worth of credit cards, school loans and a car loan. I would say that this plan helped me more in the area of using a zero-based budget and sticking with a budget. Where are you from?

Debt 100

Debt Debt Free College Finds 100

Penny Pinchin' Mom

MARCH 11, 2024

” Robert Kiyosaki I dare say there isn’t a soul on this planet as frugal as a mom on a budget. Unfortunately, many of us head out to the grocery stores armed with nothing but our credit card and a rough idea of what we need. This should save you a bundle on the cleaning products budget.

Saving Money 52

Saving Money Money Mom Used 52

Family Balance Sheet

MAY 27, 2015

I knew I was going to be a stay at home mom when we had kids and since we were both teachers, we simply could not afford for me to stay home, unless we got rid of something big in our budget. Our initial goal was to pay off our 15 year mortgage in 7-8 years by doubling our payment each month. Budget – Obvious, I know.

Debt 100

Debt Debt Free Pay Off Debt Finds 100