Prairie Eco-Thrifter

MAY 22, 2011

Regardless as to the specifics, many Americans have elected to decrease spending, increase savings and eradicate debt. Pick a plan that works for you. Fortunately, there is no one size fits all plan to debt reduction. The plan only works when you work the plan; otherwise it’s just words on a page. Create a budget.

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Debt Recession Unemployment Budgeting 157

Savings Corner

APRIL 4, 2024

Let’s look more closely at how HELOCs and home equity loans work, and how to determine which would work best for you. But it’s a revolving debt that offers an amount of funds (a replenishable balance, similar to a credit card limit) tied to the level of equity in your home. This unpredictability could wreak havoc on your budget.

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Home Work Debt Credit 52

Family Balance Sheet

JULY 13, 2016

So I’m thrilled to bring you today’s story, because I actually watched this couple’s debt free scream when it was live on the show. Drew & Farrah’s Debt Free Story. Drew works full time for Department of Defense. Farrah works part time for Department of Defense. How much debt did you pay off?

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Debt Debt Free Finds Home 100

Family Balance Sheet

JANUARY 21, 2015

Today’s debt free story is from Aja. How much debt did you pay off? What kind of debt was it? We paid off about $110K worth of debt. We paid down mostly student loans, vehicles and business credit card debt ( we already own a home outright ). What inspired you to get debt free? The budget is key.

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Debt Debt Free Las Vegas Finance 100

Family Balance Sheet

FEBRUARY 23, 2016

Are you ready to crush debt this year? We’re going to give it everything we’ve got and hopefully pay off the last of our non-mortgage debt by the end of this year. It will be quite a feat because by my calculations we’ll be short each month if we just apply our debt snowball payment. Stretch yourself.

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Debt Goals 2016 Calculators 100

Family Balance Sheet

APRIL 1, 2015

Today’s Debt Free Story is from Brian. He writes at Debt Discipline about about how his family of 5 deals with money, budgets and debt. I work full time in IT and my wife works part time in retail. I started my blog Debt Discipline to help keep us accountable while paying off our debt.

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Debt Credit Cards Debt Free Credit 100

Family Balance Sheet

JANUARY 20, 2023

That was the year that we made the goal of paying off the last of our non-mortgage debts and we achieved it by September of that year. There are ways to reduce the costs by pursuing scholarships, starting at a community college, and working while studying. We used the snowball method to pay off our non-mortgage debts.

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Financial Goals Goals Debt College 130

Family Balance Sheet

JULY 22, 2015

Today’s Debt Free Story is from Deacon. How much debt did you pay off? What kind of debt was it? We paid off $52,000 in consumer debt. 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!

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Debt Debt Free Finance Finds 100

Saving Cents With Sense

NOVEMBER 11, 2013

Regardless of your income or gift giving needs, it is important to create a holiday budget from year to year. Creating a holiday budget can help you control your spending and make sure you get all of the items you need while staying out of debt or overspending. 5 Tips to Create a Holiday Budget. Define your needs.

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Budgeting Budget Holiday Debt 112

Family Balance Sheet

FEBRUARY 19, 2022

Instead, he shared the story about Susan, a wife, and mother who handled all of the financial tasks in her home, from budgeting to making investment decisions. Fast forward 16 years, I am working outside the home at our business and the cute baby in the above picture is now in high school and has a middle school-aged sister.

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Office Family Finance Kids and Family 130

Prairie Eco-Thrifter

NOVEMBER 22, 2012

“How to Live Large and Have Fun”, “How to Spend Millions on Credit and Never Pay a Dime”, “Live Large and On Charge…Cards”, “Living High on the Hog: The Art of Budget Busting”…these are all titles of fictitious books, but they might as well be bestsellers. Yes, that means that you cannot stop at the drive through on your way home from work.

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Saving Money Money Budgeting Budget 221

Savings Corner

DECEMBER 24, 2023

These areas range from the basics such as budgeting to more complex areas such as saving and investing for retirement as well as estate planning for the distribution of your assets. A financial plan can help you get your financial life in order in areas such as: Budgets – How much can you spend this week or month and still stay on track?

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Goals Debt Taxes Insurance 52

Family Balance Sheet

JANUARY 20, 2017

I love her passion for helping others along their debt free journey. Krystal & Josh’s Debt Free Story. works in outbound sales, and I teach part-time. We have a huge heart for missions work. How much debt did you pay off? What kind of debt was it? We are debt. debts one by one.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Savings Corner

APRIL 4, 2024

Personal loans are becoming more popular among people looking to consolidate debt and find lower interest rates than credit cards. Your debt-to-income ratio helps lenders determine how much debt you already have compared to your income. According to a Bankrate study, the average personal loan interest rate is 12.10

Debt 52

Debt Bank Banking Credit 52

Family Balance Sheet

FEBRUARY 4, 2015

Today’s Debt Free Story is from Shannon. He now works as an architect, and I do some freelance from home now that we have kids. How much debt did you pay off? What kind of debt was it? As many students do these days, we had tens of thousands of dollars of debt by the time we graduated with our Masters degrees.

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Debt Free Debt Financial Goals Budgeting 100

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. They’re still working on developing their goals for 2017.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Family Balance Sheet

DECEMBER 28, 2016

I’ve been working on an exciting project over the last few months and I finally have all of the details! You will learn valuable information from leading personal finance bloggers on topics ranging from budgeting basics, dumping debt, boosting your income, and investing in YOUR future. Toni Husbands of Debt Free Divas.

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New Year's Debt Personal Finance Real Estate 100

Family Balance Sheet

MARCH 4, 2016

Today’s Debt Free Story is a guest post from Chris Peach. We both went to college, we both worked hard, and we felt like we were fairly intelligent human beings. We sat down at our kitchen table, took out a simple white piece of paper, and penned out a contract to ourselves: It was our Get Out Debt Contract.

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Debt Finds Debt Free Television 100

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.

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Debt Credit Cards Credit College Tuition 52

For the Mommas

DECEMBER 19, 2015

Christmas Gifts on a Budget. When you’re on a tight budget, you may think that your Christmas shopping will only yield cheap gifts. Even on a tight budget, you can purchase gifts that look expensive. Your friends and family will never know that you were on a tight budget. Start Shopping Early.

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Budgeting Budget Christmas Gifts 40

The Frugal Pig

FEBRUARY 1, 2024

Still, the ones you have relied on for years may not work well today and need updating. The post Frugal Habits That No Longer Work Like They Used To first appeared on Frugal Pig. Some frugal habits have stood the test of time.

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Frugal Work Used Wellness 32

Prairie Eco-Thrifter

FEBRUARY 15, 2011

But those can saddle your children with debt for 20 years or more! Here are 5 ways to trim your budget for your child’s college funds. Know Your Actual Budget. Written Budget. Create a hand written budget and make several copies. Use the above 5 ways to trim your budget for your child’s college fund.

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College Budgeting Budget Friends And Family Sale 100

Family Balance Sheet

JULY 2, 2015

Today’s Debt Free Story is from Acadia. My husband works as an architect and I teach art part time at my son’s school. 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.

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Student Debt Debt Free Finds 100

Family Balance Sheet

JANUARY 1, 2015

Most of them are related to our small business, my husband’s chiropractic office, but last January I got a bee in my bonnet about debt…thank you, Dave Ramsey. I tricked …nudged my husband into following along and together we wrote out our Debt Freedom Plan. Although it will take hard work and sacrifice on our part.

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2015 Money Debt Home and Garden 100

Savings Corner

DECEMBER 27, 2023

To qualify you, lenders look at factors including your credit score, credit report and debt-to-income ratio. They also have the most options when it comes to shopping for a loan. Having steady income, low debt, a long credit history and a record of on-time payments will improve your chances of being approved.

Debt 40

Debt Home Improvement Consumer Credit 40

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. If you are self-employed, work for a company or in an industry that is unstable, or maybe you or someone in your family has medical issues, you might want to save 6-12 months of expenses.

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Emergency Fund Money Finds Friends And Family Sale 130

Prairie Eco-Thrifter

MAY 27, 2012

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. Create a Budget If you don’t have an up-to-date budget, create one. I do this with all of my bills and it works great.

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Emergency Fund Credit Cards Budgeting Budget 212

Prairie Eco-Thrifter

MARCH 29, 2011

When shopping for products, people often fall for the upsell and overbuy. Lots of people overbuy when shopping for homes, cars, furniture, electronics, and other items. Automobiles are often necessary for getting to and from work, running errands, and for getting from point A to point B. Buying a car. Buying a house.

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Furnishings Debt Cars Car 157

Family Balance Sheet

OCTOBER 21, 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. We constantly have to work at it and there have been times when we have failed miserably, but every month we continue to plan our spending.

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Finance Financial Goals Organic Organization 100

Family Balance Sheet

OCTOBER 12, 2018

What We Ate this Week: I make an effort each week to serve my family delicious food but still stick to the budget. Every Sunday afternoon, I plan the meals and do my grocery shopping for the week. This month at Family Budgeters Unite! , Sometimes you have to work for it, but sometimes it suddenly and gratefully appears.

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Frugal Freezers Friends And Family Sale Financial Goals 100

Savings Corner

DECEMBER 25, 2023

down payment 3% New American Funding works with down payment assistance programs in 14 states, including California, Texas, Florida and Illinois. down payment 3% New American Funding works with down payment assistance programs in 14 states, including California, Texas, Florida and Illinois.

Calculators 52

Calculators Illinois Credit Debt 52

Prairie Eco-Thrifter

APRIL 14, 2013

What many do not realize is that, many times, the income they are earning may just be more than enough if they spend some time trimming their expenses and doing some lifestyle changes rather than breaking their backs with work but still failing to spend wisely. Master the Art of Budgeting. Shop Wisely, Spend Wisely.

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Money Cable Service Budgeting Budget 273

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. Now that you know what doesn’t work, it’s time to figure out what does. Plan Your Next Step.

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Emergency Fund Debt Bills Money 218

Family Balance Sheet

JULY 9, 2015

It’s no secret, I am fascinated, encouraged, and border-line obsessed with debt freedom. The idea of becoming debt free makes me downright giddy. So I love to hear the success stories of others who have found debt freedom. What did they specifically do to become debt free? 10 Smart Ways to Become Debt Free.

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Debt Free Debt Budgeting Budget 100

Prairie Eco-Thrifter

OCTOBER 27, 2011

Whether by bus, trolley, train or auto, the need to get to work hits everyone hard in a depressed economy. Join us in exploring ways to implement eco-friendly work from home tips, or to become more cost-effective working outside the home. Eco-Friendly Ways to Work. The Work-From-Home Solution. Smart Commute.

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Office Fuel Work From Home Saving Money 198

Teresa's Deals

SEPTEMBER 4, 2015

Addi from Frugal Fanatic believes anyone can earn an income from home without having to work 40 hours a week. Ruth over at Living Well Spending Less is all about the adventure of finding the good life on a budget. She blogs about shopping deals, recipes, how to live frugality, freebies and more. Louis area.

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Frugal Frugal Lives Frugal Living St. Louis 100

Prairie Eco-Thrifter

OCTOBER 13, 2013

My entertainment budget is not very big, because my “fun” happens to be reading, writing, and spending time with family. It’s fair game if you aren’t going into debt over it and if you are still able to put money aside for emergencies, retirement, and to meet your goals. Luckily, none of these hobbies tend to cost very much.

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Money Cars Car Laptops 184