Prairie Eco-Thrifter

OCTOBER 24, 2013

Right now, many people wonder if now is the right time to buy a house. In the United States, where I live, there is interest in buying now, before prices completely recover and while interest rates are near record lows. Here are two things to consider before you buy a home: Why are You Buying the House?

Buy 217

Buy Buying Debt Emergency Fund 217

Prairie Eco-Thrifter

MAY 16, 2013

Check them out: Good Reads From The Blogosphere: When you’re aggressively trying to pay down debt, you may feel that you’ve done all you can to curb your expenses, but have you really? Don’t miss Melissa’s post at My Personal Finance Journey if you Think You’re Sacrificing to Pay Down Debt? Think Again.

Fridays 187

Fridays Debt Unemployment Rent 187

The Frugal Girl

FEBRUARY 18, 2024

At age 12, I started saving up my allowance and babysitting money to buy Christmas gifts for other children who were less fortunate. After I became a mother, finances became much more complicated. We rented at first, but the rental situation in our new town was poor. How did you get interested in saving money? Childhood joy.

Kids and Family 187

Kids and Family Home and Garden Money Frugal 187

Savings Corner

DECEMBER 24, 2023

Whatever the economic state of the real estate market, buying a house can be an exciting and emotional process. Buying a house: A step-by-step guide 1. Determine why you want to buy a house Purchasing a home is a major decision that shouldn’t be taken lightly. Other things to consider Is it the right time to buy?

Real Estate 52

Real Estate Buy Buying Credit 52

Family Balance Sheet

OCTOBER 9, 2014

Welcome to 31 Days to Organize Your Finances. 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. Fixed categories are things like your mortgage/rent, insurance premiums, and car payments.

Budgeting 100

Budgeting Budget Finance Organic 100

Family Balance Sheet

JANUARY 20, 2017

She is the co-founder of the website, Little Light on a Hill , where she writes about faith, family, and finances. I love her passion for helping others along their debt free journey. Be sure to check out her website where she is offering a free finance workbook if you subscribe to her newsletter. How much debt did you pay off?

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Prairie Eco-Thrifter

APRIL 10, 2014

I found out that the rent on this studio was $2,400/month. My rent in our spacious three bedroom was $500/month. When you overspend for convenience, you sink into debt, stuck with high interest credit card payments and risk of damaging your credit when you fall behind on your bills. The same is true of any challenge.

Price 209

Price Rent Financial Goals Converse 209

Family Balance Sheet

JUNE 4, 2015

However a few years ago, we found ourselves with too much debt and not enough cash. After renting an office for 12 years, we had nothing to show for it and the space was starting to feel a bit cramped. Our business was doing well and it seemed like the right time for us to buy.

Goals 100

Goals Debt Renovation Daughter 100

Prairie Eco-Thrifter

JUNE 28, 2011

Even though the listed examples are quite different from one another, each of them could be purchased and rented for a profit. Your property may not always be 100% rented, but it can easily be 75% rented. With a large rental house, it’s either 100% rented, or 0% rented. What is Debt Leverage?

Real Estate 180

Real Estate Rent Debt Calculators 180

Prairie Eco-Thrifter

MAY 2, 2013

Mr.CBB @ Canadian Budget Binder checks the pros and cons of renting and buying. Deacon @ Well Kept Wallet paid off debt in 18 months and is inviting readers to do the same. Deacon @ Well Kept Wallet paid off debt in 18 months and is inviting readers to do the same. The ABC’s of Debt Reduction. PET Archives.

Life Insurance 167

Life Insurance Insurance Fridays Debt 167

Family Balance Sheet

JUNE 22, 2020

It was so big that I cried for two days straight– we paid off six figures in non-mortgage debts. How we got to six figures of non-mortgage debt: In the summer of 2012, we found an opportunity to purchase an office building for our small business. Also, the monthly mortgage payment was less than our rent payment.

Debt 130

Debt Health Insurance Insurance Budgeting 130

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

APRIL 6, 2012

Wayne presents Purpose of Budgeting posted at Young Family Finance , saying, “Are you left wondering why you should budget? Justin presents Know the Common Mistakes with Your Personal Finances posted at Budget Snob , saying, “Many people make the same financial mistakes. ” Managing Debt.

Money 133

Money Finance Personal Finance Real Estate 133

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.

Debt Free 100

Debt Free Debt Budgeting Budget 100

Prairie Eco-Thrifter

MAY 21, 2012

As with most popular sites on the web, Pinterest has become a channel for online retailers, so if I were to purchase everything that I liked exactly at the price I find it, it’s safe to say that I’d quickly be broke or worse, back in credit card debt. Are you a fan of Pinterest? Has it helped you save money? If so, how?

Money 188

Money DIY Saving Money Saving 188

Prairie Eco-Thrifter

FEBRUARY 15, 2011

Building a college finance fund takes dedication and consistency. But those can saddle your children with debt for 20 years or more! Actively choose to not buy anything that can be borrowed. Rent books, books on tape, movies, and read magazines at the library.

College 100

College Budgeting Budget Friends And Family Sale 100

The Frugal Girl

JUNE 10, 2024

Also, thrifting —I very rarely buy new, it’s normally secondhand. I went in thinking, last chance, I’ll have to buy one on eBay if I can’t find it today. Financing a fun car we didn’t need was an obvious dumb move in hindsight. We did learn a lesson from that though: we prefer to save up and buy the car we need in cash.

Kids and Family 130

Kids and Family Thrifting Vacation Friends And Family Sale 130

The Frugal Girl

MARCH 4, 2024

Although my parents never specifically taught me about finances, they lived a frugal life by necessity. When they got married, they bought a duplex so that the rent money from the tenant in the upstairs apartment would pay the mortgage. I grew up in banking and held other finance-related positions during my working years.

Green And Frugal 181

Green And Frugal Kids and Family Hotel Frugal 181

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?

Virginia 186

Virginia Kids and Family Library Frugal 186

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.

Credit 52

Credit January Debt Credit Cards 52

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.

Credit Cards 234

Credit Cards Credit Building Rent 234

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. The more complicated your finances are, the harder it all seems. Simple finances work for you rather than against you, so it’s a win-win. We often seem to complicate things, don’t we?

Simple 221

Simple Finance Budgeting Budget 221

Prairie Eco-Thrifter

OCTOBER 5, 2014

Do you make enough money to cover your mortgage or rent, groceries, transportation, and other essential expenses, but find yourself on a treadmill of not being able to save? Buying Stuff You Don’t Need or Use. Many people are, and you’re not alone. Think about everything you could use $1536 per year on.

Budgeting 245

Budgeting Budget May Lunch 245

Savings Corner

DECEMBER 25, 2023

What if you’re unable to rent out your property? You may suddenly have tenants who can no longer pay their rent, while you may still have a mortgage of your own to pay. Or you may not be able to rent the home out for as much as you could before, as incomes decline. What if you get a tenant who pays late or damages the property?

Money 52

Money Making Real Estate Rent 52

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!

Kids and Family 192

Kids and Family Parenting Cars Car 192

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. Housing, whether it is rent or a mortgage, accounts for the biggest piece of the pie at 31.8%. Next comes transportation at 17.6%, but this is one area that could vary widely between households.

Budgeting 222

Budgeting Budget Credit Cards Transportation 222

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