Penny Pinchin' Mom

FEBRUARY 16, 2024

How about an education policy for the kids? Instead of buying that new bag with the extra cash you have, how about getting a new insurance policy and paying your first premium? Pay Down Debt Yes, this is a good way to set yourself up financially. Getting out of debt should make the top three of your financial priorities.

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Money Insurance Debt Bulk 52

The Frugal Girl

FEBRUARY 5, 2024

It has been amazing for our finances and my mental health. The weight of debt can be so heavy mentally in addition to the direct effects of it. things on Buy Nothing first and then thrift stores or Facebook marketplace, so I found a good play kitchen on marketplace when my little wanted one. What’s your best frugal win?

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Virginia Kids and Family Library Frugal 184

Savings Corner

DECEMBER 24, 2023

To calculate your net worth, take inventory of what you own, as well as your outstanding debt. On the other hand, even people with modest incomes can accumulate significant wealth and a high net worth if they buy appreciating assets and are prudent savers. families by education Track your money with NerdWallet. Net worth of U.S.

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Calculators Taxes Debt Consumer 52

Savings Corner

DECEMBER 24, 2023

In short, if it involves finances, then there’s a way to plan for it and optimize the outcome. A financial plan can help you direct how you organize your finances, from the small, short-term questions to the big, long-term issues. Debt reduction – How much do you need to pay down and how can you do it? What is a financial plan?

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Goals Debt Taxes Insurance 52

The Frugal Girl

MARCH 4, 2024

Although my parents never specifically taught me about finances, they lived a frugal life by necessity. I learned from the best, but I believe that a personal finance course should be a requirement for both high school and college graduation. We, as a country, owe our young people a more comprehensive education. Guess what!

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Green And Frugal Kids and Family Hotel Frugal 179

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.

Debt 52

Debt Credit Cards Credit College Tuition 52

Savings Corner

APRIL 4, 2024

The steps may vary depending on whether you’re looking for debt consolidation loans , home improvement loans, medical loans or wedding loans. Personal loan qualification requirements Your credit score , income and debt are usually evaluated by personal loan lenders to see if you qualify.

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Debt Credit Cards Credit Home Improvement 52

The Frugal Girl

DECEMBER 11, 2023

In my 20’s, I finally had a “real” job and wanted to buy a newer car. and realized we should pay off this debt as quickly as possible. The teachers and education are wonderful and our kids are thriving there so we will continue it as long as we can afford to. for anyone curious ? )

Money 194

Money Kids and Family Frugal Parenting 194

Prairie Eco-Thrifter

AUGUST 19, 2012

Education is the key here. Educate yourself about financial matters as they apply to your circumstances. Buy Insurance Speaking of insurance, this is another area that can help you avoid financial disaster. Manage Your Debts Managing your debts is a biggy when it comes to avoiding financial disaster.

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Emergency Fund Insurance Debt Credit Cards 222

Prairie Eco-Thrifter

JUNE 14, 2012

Take personal finances, for example; too many people over-think their finances, with the result that it all seems too hard. One of the simplest things you can do is to educate yourself about financial matters. The more complicated your finances are, the harder it all seems. We often seem to complicate things, don’t we?

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Simple Finance Budgeting Budget 221

Prairie Eco-Thrifter

JULY 10, 2014

Would you feel a weight lifted if you could pay off your high-rate consumer debt? I like travel, I feel it’s important to set money aside for retirement and my son’s college education, and I like charitable giving. But I also have bills to pay and it’s important to buy healthy foods for my family to eat.

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Budgeting Budget Work Making 218

Family Balance Sheet

MAY 27, 2015

Today’s Debt Free Story is from Olivia. We are both planners and despise wasting money on debt/interest, which is what led us to pay off our mortgage as soon as we could! How much debt did you pay off? What kind of debt was it? We paid off a total of $118,000 debt. What inspired you to get debt free?

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Debt Debt Free Pay Off Debt Finds 100

Family Balance Sheet

JUNE 4, 2015

However a few years ago, we found ourselves with too much debt and not enough cash. Our business was doing well and it seemed like the right time for us to buy. Within a year after settlement, we found ourselves with a lot of debt, not enough cash flow, and very little set aside for emergencies.

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Goals Debt Renovation Daughter 100

Savings Corner

APRIL 4, 2024

Key takeaways A home equity loan allows you to borrow a lump sum against your home’s equity, usually at a fixed interest rate that’s lower than other forms of consumer debt. While high compared to their average of six percent in 2022, that’s significantly lower than other forms of consumer debt. What is a home equity loan?

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Home Debt Credit Cards Credit 52

Prairie Eco-Thrifter

FEBRUARY 9, 2012

Instead of investing your money in education or your 401K, your money goes to clothes, gadgets, big screen TV’s or alcohol. If you make $50,000 a year after taxes and spend $60,000 a year, your finances are going backward. Sure you know you are in debt over your head. Not pretend our finances are fine. If so, why?

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Money Debt Finance Credit Cards 203

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. Debt load – 30%. This portion of your score reflects how much debt you carry. If you prefer to pay cash and avoid revolving debt, that’s great.

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Credit Cards Credit Building Rent 234

The Frugal Girl

NOVEMBER 13, 2023

I don’t want to feel like I’m wasting all the gifts I’ve been given, including my finances. We had to sell it less than 3 years after buying it, and between that and the market timing (bought in 2009, sold in 2012), we were lucky to come out of the whole situation with our original mortgage paid off completely by the sale!

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Kids and Family Parenting Cars Car 191

Prairie Eco-Thrifter

MAY 26, 2016

Each year I bring them together in my Grandma Rie’s Money Camp and focus on different aspects of personal finance, with saving being a focus in each camp. What can you even buy for $.06? While the grand-kids savings account alternatives are slim – save in a piggy bank or buy that new toy, adults have a few other options.

Money 124

Money Saving Money Lowes Grandchildren 124

Prairie Eco-Thrifter

FEBRUARY 18, 2011

We get a visual picture every month of where are finances are and what we have spent our money on. The only secrets we have from one another is when we buy each other a gift. We have more stable careers, we have no debt (other than our mortgage), and we own a home. Squirrelers asks us how much we had to work to buy that?

February 113

February Debt Finance Personal Finance 113

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.

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Credit January Debt Credit Cards 52

Prairie Eco-Thrifter

APRIL 11, 2011

Guest Post Author Bio: Broke Professionals is a personal finance blog aimed at the over-educated and underpaid. Join the husband/wife blogging team of Broke Professionals as they attempt to dig themselves out of a combined six figures in student loan debt. Stay out of debt in general. He is one of my heroes.

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Work Debt Credit Cards Finance 133

Prairie Eco-Thrifter

JANUARY 14, 2011

Canadian Finance Blog tells us how our spare change can really add up. Canadian Personal Finance Blog shares with us what he has learned about money management over the years. Bucksome Boomer shares with us how to revolutionize our finances using our savings. Reducing Debt. He just turned 50 this week. Happy bday!!!

January 113

January Personal Finance Green And Frugal Finance 113

Prairie Eco-Thrifter

FEBRUARY 19, 2013

We all know that one of the best personal finance strategies is to have a budget and you’ve probably tried to create one at some time. is for ‘other’ expenses and this category includes things like education, gifts, vacations, personal care, tobacco and alcohol, contributions, personal insurances, pensions and miscellaneous expenses.

Budgeting 222

Budgeting Budget Credit Cards Transportation 222

Prairie Eco-Thrifter

JANUARY 28, 2011

How to Save Money shares with us how we can keep our finances safe when buying items online. I think they keep you focused on paying your house off and make it harder for those who really shouldn’t buy a house to acquire one. We personally use Quicken and we find it works great for reviewing our finances.

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January 2010 Personal Finance Finance 124

Prairie Eco-Thrifter

MARCH 14, 2011

posted at FIRE Finance , saying, “We decided to optimize our grocery expenses and pull the strings on our food budget even tighter. FMF presents Five Retro Rules to Save Money posted at Free Money Finance , saying, “These tips from the past can save us all some big bucks.&#.

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Frugal Movies Finance Bills 150

Prairie Eco-Thrifter

APRIL 4, 2016

Others might point out the importance of a good education. Paying extra on your debt each period and then not incurring new debt. Buying personal finance books at garage sales and reading them one after another to make sure you have a basis of knowledge on money management. What do you think it takes to get rich?

Goals 100

Goals Friends And Family Sale Money Activism 100

Prairie Eco-Thrifter

AUGUST 7, 2012

Those who just go along, hoping for the best, are usually the ones who struggle financially or get themselves into too much debt. With your budget in place, it becomes so much easier to control your day-to day finances. Would you like to buy a holiday house sometime? When will you buy your own home?

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Financial Goals Goals Making Simple 213

Prairie Eco-Thrifter

FEBRUARY 11, 2011

The Canadian Personal Finance Blog shares with us 10 lists he hopes none of us follow when it comes to our money management. Canadian Dream shares with us the stages of personal finance. Frugal Dad reminds us that the war on debt starts at home and until we make changes there, we are never going to win the battle. Reducing Debt.

February 113

February Finance Personal Finance Money 113

Savings Corner

DECEMBER 27, 2023

Bonus rewards are awarded based on where you buy something, not what you buy. Most cards offer a “grace period” : If you pay your balance in full on each statement — meaning you don’t roll over any debt from one month to the next — you won’t be charged interest. So if your interest rate is 17.5%

Credit Cards 52

Credit Cards Credit December Airline 52

Prairie Eco-Thrifter

FEBRUARY 15, 2011

Building a college finance fund takes dedication and consistency. Using part of the money that is already earned is one way to not take up a second job and make higher education a viable option. But those can saddle your children with debt for 20 years or more! Actively choose to not buy anything that can be borrowed.

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College Budgeting Budget Friends And Family Sale 100