Family Balance Sheet

APRIL 30, 2014

The Goal of the Grocery Budget Challenge is to be creative with our meal planning and grocery shopping so that we do not over-spend. We don’t want to make our families miserable with bland meals, boring snacks, and not enough food in the house, but we must stay on budget. Action Step 1 : Plan your grocery budget for May.

Budgeting 100

Budgeting Budget Groceries Grocery 100

Family Balance Sheet

APRIL 9, 2021

Stressed out, we ventured into Dave Ramsey’s online Financial Peace University home course for help. We also didn’t feel comfortable with Dave’s suggestion of a $1000 starter emergency fund, which is his step #1. But $1000 was not nearly enough money to cover sudden emergencies in both our home and business.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Family Balance Sheet

NOVEMBER 5, 2014

Because we wanted to get out of debt as fast as possible, we stopped saving money after we had an emergency fund in place. Look over your current budget. We had financial advisors look over our budget and make suggestions about what we could cut. How often do you and your spouse discuss your finances/budget/spending?

Debt Free 241

Debt Free Debt Emergency Fund Finance 241

Motherhood Moments

MARCH 4, 2023

Set a budget and follow it consistently. The first line of defense against debt is to make a budget and keep to it. Or, instead of dining out every night, you may opt to cook at home more often. Emergencies do happen, so it's essential to have a savings cushion to fall back on when unexpected expenses pop up.

Debt 130

Debt Money Building Credit Cards 130

Prairie Eco-Thrifter

AUGUST 15, 2012

One of the best things you can do for the sake of your own self reliance is to build up your home food storage. Your home food storage can tide you over in the event of a financial setback, or be part of your efforts for emergency preparedness. Unfortunately, many people think of stockpiling when they consider home food storage.

Storage 229

Storage Building Home Bank 229

Prairie Eco-Thrifter

NOVEMBER 8, 2012

I’m not much into budgeting. It’s true that what I do with money technically amounts to a budgeting technique, but the idea of a traditional budget has never appealed to me. It’s a lot like a budget, and many people have told me they think that it’s a budget. Let’s consult the budget.

Emergency Fund 202

Emergency Fund Budgeting Budget Psychology 202

Prairie Eco-Thrifter

JULY 16, 2014

To buy a home under the assumption that you’ll some day make a profit from it or rely on one source of income assuming it’ll always be available to you is financially foolish. Assumption #4: You’ll never have an emergency. Emergencies happen…to everyone. They can come in the form of a health scare a home repair or otherwise.

Emergency Fund 174

Emergency Fund Insurance Recession Unemployment 174

Prairie Eco-Thrifter

JANUARY 10, 2013

The house stuff, time with the hubby, other home commitments etc. Working to build your emergency fund? Read up on emergency fund basics at Money Smart Guides. Figuring out a budget and how to meet those goals? Dragging your feet on finally setting a budget? Finalizing your 2013 goals?

Emergency Fund 193

Emergency Fund Debt Student Fridays 193

Prairie Eco-Thrifter

JANUARY 1, 2013

Lack of An Emergency Fund . One of the most common disastrous finance mistakes is not having any sort of financial back-up for emergencies. Experts recommend an emergency fund of at least six month’s salary as essential, especially if you are struggling to make ends meet. Not a bad buffer for difficult times!

Emergency Fund 272

Emergency Fund Credit Cards Personal Finance Finance 272

Prairie Eco-Thrifter

JANUARY 19, 2015

Yet, too often we make excuses not to save money, or we feel like our budget is just too tight to save. There are tricks you can use to save more money even IF your budget is very tight. Earmark this money for an emergency fund, a new car fund, a vacation fund, whatever you would like.

Money 100

Money 2015 Emergency Fund Bills 100

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. The key is to take action, even small ones.

Money 235

Money Emergency Fund Debt Financial Goals 235

Savings Corner

DECEMBER 25, 2023

Experts typically recommend spending no more than 20 percent of take-home pay on a car. Determining affordability requires balancing your vehicle needs and budget. How to determine how much car you can afford To set a budget for your vehicle, start by deciding what you can comfortably pay each month.

Cars 52

Cars Car Insurance Calculators 52

Family Balance Sheet

MAY 21, 2021

Being self-employed, we felt we needed more than Dave’s recommended $1000 starter emergency fund that he outlines in his book, so our first step was to save a bit more for our home and office. What do you value most in life, and what are you ok with temporarily cutting out of your budget?

Debt 130

Debt Goals Debt Free Pay Off Debt 130

Savings Corner

DECEMBER 24, 2023

Try adjusting the terms, loan types or rate until you find a debt consolidation plan that fits your goals and budget. Try adjusting the terms, loan types or rate until you find a debt consolidation plan that fits your goals and budget. Home equity loans can also be a risky method of debt consolidation.

Debt 52

Debt Calculators Credit Cards Credit 52

Family Balance Sheet

AUGUST 11, 2016

I’m on this journey to financial wellness with you and every weekend, I pack the newsletter with budgeting inspiration, money-saving tips & ideas, and frugal, yet tasty recipes. Start Saving for your Emergency Fund TODAY! That emergency fund saved our business, our sanity, and our marriage.

Emergency Fund 100

Emergency Fund Money Finance Debt 100

Prairie Eco-Thrifter

JULY 28, 2014

Another word for that roadmap is a budget. Not only does the budget need to account for all of your regular life expenses but it should also include line items for your big and small goals. Once you’ve figured out how much you need total, find a way to break it down and include a monthly savings target in the budget.

Hobby 189

Hobby Money Making Goals 189

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

Saving Cents With Sense

MAY 26, 2014

Only 32 percent of Americans prepare a monthly budget, according to a Gallup poll taken in June 2013. Creating a short-term budget and long-term financial plan can not only help you get out of debt once and for all, but they can also guide you to economic independence and prosperity. Build a Budget & Emergency Fund.

Emergency Fund 71

Emergency Fund Goals 2008 Debt 71

Prairie Eco-Thrifter

MARCH 14, 2013

Now is the time to watch every penny that you spend, so that you can purchase more in the same budget or even better, put that money in emergency funds. Finish your purchasing from the list, go home, and think over it. How can you accomplish this, especially when the prices are rising? Saving on Grocery Bills.

Saving Money 222

Saving Money Money Bills Insurance 222

Family Balance Sheet

JANUARY 26, 2016

You can only cut so much from a budget, so to fill in our shortfall, we’ll need to also earn extra income by growing our small business and growing my blog income. We will continue to save for travel and it is already part of our budget. Home Projects. We will control our money, rather than our money controlling us.

Financial Goals 100

Financial Goals Goals 2016 Debt 100

Prairie Eco-Thrifter

SEPTEMBER 4, 2011

Here are are five reasons why budgeting for your family is important: A thorough financial analysis helps you…. rise up during emergencies or unexpected occurrences. Create a Budget. Plan for Financial Emergencies. Establishing emergency funds aids you in building up savings for unexpected expenses.

Family 196

Family Financial Goals Debt Goals 196

Prairie Eco-Thrifter

MAY 25, 2014

Me from 15 years ago would get an earful about what not to do, and advice on budgeting and saving and staying out of debt. I’m trying to be a little more hands-on with my son, and talk more openly about money (which is something that didn’t happen much in my parents’ home. Why Aren’t You Doing THIS?

Money 209

Money Giving Las Vegas Credit Card Rewards 209

Family Balance Sheet

JANUARY 1, 2015

In 2014, the Grocery Budget Challenge encouraged us to keep our grocery spending in line and to be creative with our meal planning so that we do not over-spend. Weekly Meals on a Budget. Maintaining a grocery budget is a weekly process for me. When I blow off meal planning, I blow up our grocery budget. I Should What?

2015 100

2015 Money Debt Home and Garden 100

Prairie Eco-Thrifter

NOVEMBER 12, 2011

Financial Success for Young Adults: Financing a Home Modification – At some point in your life, it may be necessary to modify your home. Paying for a home modification could cost you a lot of money, but there are ways to work up to the costs so it’s not such a bad hit on your wallet. You are Probably Budgeting Wrong!

November 188

November 2011 Personal Finance Finance 188

Family Balance Sheet

JANUARY 21, 2015

I own a software consultancy that I run from home and my husband is a letter carrier with the post office. We have 2 girls that I am home schooling this year. We paid down mostly student loans, vehicles and business credit card debt ( we already own a home outright ). Nine years later, I am still at home!

Debt 100

Debt Debt Free Las Vegas Finance 100

Family Balance Sheet

FEBRUARY 4, 2015

He now works as an architect, and I do some freelance from home now that we have kids. We bought into the myth that student loan debt is “good debt” and that it was better to “invest” in buying a home instead. After we had kids, though, I stayed home, so we continued making the minimum payment for years.

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Family Balance Sheet

JANUARY 20, 2017

our home with a GREAT interest rate so we are okay with it. strict budget. emergency fund, so we started throwing what little extra we had straight. 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. The biggest.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Savings Corner

FEBRUARY 2, 2024

Then try it again with a deposit amount that fits your budget. Overall, there is no one answer for how much you should have in savings , but an ideal target for an emergency fund is enough to cover three to six months’ worth of basic expenses. When you put money in a savings account, the interest you earn builds on itself.

Calculators 52

Calculators Saving Bank Banking 52

Prairie Eco-Thrifter

SEPTEMBER 13, 2011

For example, if you are expecting your sales volume to escalate, even if it is really possible, exclude it in preparing your budget. It will just turn your home into a warehouse of unused things that in essence are costing you money. If you stop smoking, you can use that money to fund your emergency fund.

Debt Free 235

Debt Free Debt Emergency Fund Hobby 235

Prairie Eco-Thrifter

JULY 4, 2011

A plan B is a must in any home. Often times, home buyers may not be aware that free money for a down payment on a house is still available for qualified buyers. This doesn’t mean you will always live with a cash budget, although you certainly could. Squirrelers from Squirrelers presents The Case for a Bigger Emergency Fund.

Personal Finance 240

Personal Finance Finance Family Debt 240

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! Coming home from a trip to Disney World was what started it all. The first thing we did was to review our spending and create a budget. Angela & Jeff’s Debt Free Story.

Debt 100

Debt Debt Free Budgeting Budget 100

Prairie Eco-Thrifter

OCTOBER 15, 2011

Personal Finance Whiz : What Is An Emergency Fund? One of the major components of being financially fit is to have an emergency fund. Our Journey To Zero: Get To Know Old People and Save Money Great deals can be found in the most surprising of places, like from old people and funeral homes. So what did they do?

October 200

October 2011 Finance Personal Finance 200

Prairie Eco-Thrifter

OCTOBER 21, 2012

Danielle from Saving Without A Budget shares 5 Smart Investing Tips for 2012. Young from Young and Thrifty presents A Woman’s Perspective on Engagement Rings , and says, “As a woman who has been dating her boyfriend for the past 7 years, bought a home and moved in together for the past 1.5 ” J.P.

Personal Finance 219

Personal Finance Finance Debt Money 219

Family Balance Sheet

SEPTEMBER 9, 2014

She and her husband paid off $147,000 in debt–including their home. About $52,000 of that $147K was consumer debt (credit cards, a student loan, a car loan, a home improvement loan, etc.) Building an emergency fund also helps enormously. Who handles the day-to-day finances in your home or do you work on it equally?

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Saving Everyday

FEBRUARY 15, 2014

5 Ways to Save Money In The Home by Living A Frugal Life. Five Ways to Build Your Emergency Fund FAST! Basic Steps for Setting up a Budget by Frugal Living Mom. Helping You Keep a Healthy Budget by More Than A Mom Of Three. 8 Budget Fitness Tips – Work Your Body NOT Your Wallet by Thrifty Jinxy.

Saving Money 71

Saving Money Frugal Money Thrifty 71

Family Balance Sheet

JUNE 8, 2018

During that time, I started to budget for everything. Every aspect of our lives was included in our budget. When people hear the word budget, they think “restriction” and “no fun”, but honestly that couldn’t be further from the truth. Another way to think of a budget is a spending plan.

Budgeting 133

Budgeting Budget Financial Goals Goals 133

Saving Everyday

JANUARY 1, 2015

5 Ways to Save Money In The Home by Living A Frugal Life. Five Ways to Build Your Emergency Fund FAST! Basic Steps for Setting up a Budget by Frugal Living Mom. Helping You Keep a Healthy Budget by More Than A Mom Of Three. 8 Budget Fitness Tips – Work Your Body NOT Your Wallet by Thrifty Jinxy.

Saving Money 40

Saving Money Frugal Money Thrifty 40