Penny Pinchin' Mom

JANUARY 16, 2024

However, if you have been following me, you know that I am quite serious about finding ways to not only get out of debt but also how to create a budget (and stick to it) as well as how to save money without necessarily depriving your family of the quality of life they deserve. Again, you’re not alone with this problem.

Personal Finance 52

Personal Finance Finance Tips Finance Mom 52

Saving In Akron

DECEMBER 1, 2011

The holidays are coming, and money is tight for everyone. Well, let me tell you how I earned a fast $2,500 (yes, you heard that right) to pay for our holiday (and then some). There's no pressure to buy anything, and if they don't have what you like, they will make it for you. No going into debt!!!

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Giveaway Jewelry Holiday Office 247

Prairie Eco-Thrifter

MAY 2, 2013

Before i left for my holidays, my life was nuts. 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. The ABC’s of Debt Reduction. Happy Friday Everyone. PET Archives. 8 Tricks to Travel Healthier.

Life Insurance 167

Life Insurance Insurance Fridays Debt 167

Prairie Eco-Thrifter

JULY 4, 2011

Many of us have just celebrated Canada Day or Independance Day; a holiday where we celebrate our freedoms. Philip from Deliver Away Debt shares his story: How I Delivered Away My Debt. mbhunter from Mighty Bargain Hunter asks Are you contributing to this debt clock? Family is there when you need a hand or some advice.

Personal Finance 240

Personal Finance Finance Family Debt 240

Family Balance Sheet

OCTOBER 14, 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. The holiday season is just around the corner, and along with the festivities comes the gift buying frenzy. Have you started planning for Christmas gifts yet?

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Finance Giving Organic Organization 100

Saving Cents With Sense

DECEMBER 20, 2013

The holiday season has a number of hidden costs, which really aren’t hidden as much as they are… ignored. Let’s look at where you could save a little money this holiday season: Christmas Lights. Fifty-seven percent of respondents said they planned to buy things for themselves this season, compared to last year’s 59 percent.

Christmas 75

Christmas DIY Debt Pay Off Debt 75

Couponing 101

DECEMBER 14, 2012

Free Download of Gazelles, Baby Steps & 37 Other Things Dave Ramsey Taught Me About Debt Audiobook. Buy 1 Get 1 Free Holiday Drinks at Starbucks. Free Download of Funnix Beginning Math Program. Free Download of The Lonely Christmas Tree eBook. Have a Great Weekend! Free Samples of Citrucel, NatureMade, Propel Zero, and More!

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Freebie Friday Debt Amy's Centrum 99

For the Mommas

JANUARY 23, 2013

Saving more (52%), spending less (19%) and paying off debt (19%). Is now really the best time to buy that new couch or could you find one for free? One of the easiest and most overlooked ways to spend less is by re-evaluating your debt and improving your credit score. Paying Off Debt. The top 3 financial resolutions?

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Monitors Credit Debt Consumer 40

Prairie Eco-Thrifter

MAY 1, 2012

What about holidays, cars, homes, designer clothes, retirement? Then a friend told me how she learnt about delayed gratification – putting off buying stuff until she could afford to pay cash. She got rid of her credit card debt using this.” People who have no dream and aim at nothing, usually have no trouble getting it.

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Money Debt Debt Free Cooking At Home 211

Saving Cents With Sense

NOVEMBER 5, 2013

It is an exciting day because deals will be HOT, prices will be low, crowds will be swarming, and the holiday spirit will abound. Create a Budget – Decide what you are going to spend before going, this will help you stay out of debt and stick to your shopping list. Black Friday Frugal Holiday' All rights reserved.

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Fridays Shopping Thanksgiving Holiday 75

Prairie Eco-Thrifter

JULY 10, 2012

Do you want to be debt free? Do you want to be able to buy a cup of coffee at Starbucks every morning? How to Bake Cheap Holiday Cookies and Breads Holiday baked goods can make an excellent gift – for someone on your list, or to take to the cookie. Start with what you want to achieve or attain. Do you want to retire?

Budgeting 213

Budgeting Budget Toll House Cooking 213

Coupons Do Work

OCTOBER 3, 2016

Since I do not use a credit card anymore (and read recently that banks are in debt due to too much credit cards out there), why not start saving now, with these easy tips : Want more frugal tips/ articles/ DIY stuff? With people traveling for the holidays, and if you are at home, I would sign up to make some extra cash!

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Christmas Swagbucks Bank Banking 153

Nicoles Nickels

NOVEMBER 30, 2011

Photo Deals are great during the holidays. You can use them to print photos, make ornaments for your own tree or adorable holiday gifts for your loved ones! Below are the current photo deals across the web, as compiled by Crystal at Coupon Out of Debt. Jacksonville : Pay $15 or $28 for holiday photo cards from MyPublisher.

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Photos Jacksonville Gardening Garden 49

Prairie Eco-Thrifter

JULY 16, 2013

If you’re trying to save money, pay down debt, or both, then you might want to consider skipping your family’s usual summer trip and plan staycations instead. As an alternative, head over to Walmart, Target, or another large retailer and pick a Slip ‘n Slide, or make your own , and buy some water guns or water balloons.

Frugal Life 242

Frugal Life Frugal Kids and Family Inexpensive 242

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. Would you like to buy a holiday house sometime? When will you buy your own home? When will you buy the car of your dreams? Well, this is especially true with your financial planning.

Financial Goals 213

Financial Goals Goals Making Simple 213

Nicoles Nickels

DECEMBER 13, 2011

Photo Deals are great during the holidays. You can use them to print photos, make ornaments for your own tree or adorable holiday gifts for your loved ones! Below are the current photo deals across the web, as compiled by Crystal at Coupon Out of Debt. Get 2 free photobooks when you buy 1, using coupon code DECBOOKS.

Photos 55

Photos December Debt Deals 55

Couponing 101

DECEMBER 26, 2011

Shopping a little bit at a time over the course of the year can be easier for some people than paying one lump sum at the end of the year (and potentially using credit cards and going into debt.) Buy now and stash it away for next year and pay just 1/4 of the price! or trying to save a little money each month to pay for gifts.

Christmas 80

Christmas Toys Gifts Bath and Body Works 80

Saving Cents With Sense

NOVEMBER 9, 2011

It is an exciting day because deals will be HOT, prices will be low, crowds will be swarming, and the holiday spirit will abound. Create a Budget – Decide what you are going to spend before going, this will help you stay out of debt and stick to your shopping list. Prepare in Advance. Day of: If you are shopping in-store – 6.

Fridays 87

Fridays Shopping Thanksgiving Debt 87

Nicoles Nickels

DECEMBER 19, 2011

Below are the last minute photo deals available across the web, as compiled by Crystal at Coupon Code Ava (formerly Coupon Out of Debt). The perfect gift for family and friends for the holidays! Buy by December 20, no code needed. On most of these deals, you need to order ASAP to receive your items in time for Christmas!

Photos 45

Photos Wall Art December Debt 45

Family Balance Sheet

JANUARY 17, 2018

My husband and I discussed some ideas over our holiday break and we decided on 2 solid must-achieve financial goals for the year. This is our very last non-mortgage loan and we send an extra payment every month as part of our Debt Freedom Plan. I’ll apply that money to the debt. Did you make 2018 financial goals ?

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Financial Goals Goals 2018 Debt 113

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. Now that we’ve paid off six figures of non-mortgage debt , we are working on saving 6 months’ expenses and maybe even more. Personally, I think a starter fund should be $2000-$3000.

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Emergency Fund Money Finds Friends And Family Sale 130

Couponing 101

JANUARY 4, 2011

Shopping a little bit at a time over the course of the year can be easier for some people than paying one lump sum at the end of the year (and potentially using credit cards and going into debt.) Buy now and stash it away for next year and pay just 1/4 of the price! or trying to save a little money each month to pay for gifts.

Saving Money 74

Saving Money Christmas Money Bath and Body Works 74

Prairie Eco-Thrifter

FEBRUARY 11, 2011

With Valentine’s Day making it’s appearance next week, I thought it would be fun to talk about the kissing part of the holiday. 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. Buy Like Buffett asks if you would rather be rich or comfortable ?

February 113

February Finance Personal Finance Money 113

Motherhood Moments

FEBRUARY 7, 2023

billion on the holiday this year, the personal-finance website WalletHub today released its report on 2023's Best Places for Valentine’s Day. V-Day Debt Is Worth It for Some People. Almost 1 in 5 Americans think a Valentine’s Day gift is worth going into credit card debt. Dinner May Be Too Expensive. Financial Infidelity Hurts.

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Valentines Day Thrifty Debt Las Vegas 130

Finally Frugal

JANUARY 8, 2011

Basically, the idea is to avoid a post-Christmas financial hangover by putting those extra dollars away in a special holiday savings account, thereby gaining a nice cushion when the gift buying season raises its expensive head once again; Second, how about starting a fund just for the car maintenance costs?

Frugal 45

Frugal Spendthrift Debt Recession 45

Family Balance Sheet

FEBRUARY 16, 2016

He then advises paying off your non-mortgage debt before fully funding an emergency fund with 3 – 6 months worth of expenses. Being self-employed, we have a higher starter fund on hand and when we pay off our non-mortgage debt, we will save to at least 6 months expenses and maybe even more. 1 – Determine how much you need.

Emergency Fund 100

Emergency Fund Money Finds Friends And Family Sale 100

Prairie Eco-Thrifter

JULY 20, 2011

For example, if you’ve gotten yourself down from five-digit credit card debt to a zero balance, then your monthly bills are the lowest they can be, so it’s okay to spend a little on yourself. You don’t even need to buy yourself a new toy or expensive meal. Frugally Festive: 6 Affordable Ways to Enjoy the Holidays.

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Frugal Personal Finance Frugal Life Money 174

Prairie Eco-Thrifter

JANUARY 10, 2012

I want to use up all my holidays from work, as well as going on some random weekend road trips. If I had a nickel for every person who went on an exotic holiday and financed it, I’d have enough to fund the sequel to Dude Where’s My Car. I don’t have any debt, (except student loans/mortgages) so I can afford to go.

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Travel Debt Finance Emergency Fund 226

Prairie Eco-Thrifter

AUGUST 19, 2012

It’s not for paying bills, going on holidays or paying college fees; no matter how urgent these might be, they are not emergencies. 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.

Emergency Fund 222

Emergency Fund Insurance Debt Credit Cards 222

Prairie Eco-Thrifter

MAY 8, 2011

We just came back from holidays and did just that. Money doesn’t buy happiness but it buys opportunities. I did this yeas ago when I was in debt and it made paying off the debt a reality. Tax Debt Help presents Savers Tax Credit: Get Rewarded for Retirement. Save Money this Spring: #5.

Saving Money 232

Saving Money Money Credit Cards Insurance 232

Prairie Eco-Thrifter

JANUARY 14, 2012

The Debt Princess: The Kool-Aid Effect: The Relationship Between the Poor & Nutrition – A look into how the working poor are eating unhealthy. The only investing strategy that makes sense to me is buy and hold. Buy an energy efficient water heater. Read on to lean my thoughts. Turn off the lights.

Credit Cards 220

Credit Cards Credit Finance Personal Finance 220

Prairie Eco-Thrifter

JUNE 14, 2012

This can be as simple as forgoing dinner out sometimes and cooking at home more; taking your lunch from home sometimes instead of always buying it; and the oldie but goodie – giving up one expensive Starbucks coffee a day. Your budget helps you manage your debts, get them paid off and stops you getting in any deeper.

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Simple Finance Budgeting Budget 221

Saving In Akron

NOVEMBER 18, 2011

With the holidays coming, we're all in need of cards, calendars, invitations, and gifts. Below is a list of photo and gift deals brought to you by Crystal at Coupon Out of Debt to help you save money on all of your photo needs. Save 70% on holiday cards (Code CARD75). Get 30% Off Kodak Gallery Holiday Value Pack.

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Photos Gifts November Minneapolis 138

Prairie Eco-Thrifter

JANUARY 21, 2011

Reducing Debt. KNS Financial reminds us about the Payroll Tax Holiday and how many of us will get a raise in 2011. If you do get a raise, put it towards your debt so you can be one step closer to financial freedom. Deliver Away Debt shares with us tips on how we can stay out of debt in 2011. Investing Wisely.

January 124

January Emergency Fund Personal Finance Finance 124