Savings Corner

DECEMBER 27, 2023

Open a business bank account Keeping your business and personal finances separate is key to managing your business finances. Understand your startup financing options Most businesses need a little capital to get started. Startups should look to other financing options. See your loan options with Fundera by NerdWallet 8.

Finance 52

Finance Taxes Insurance Software 52

Prairie Eco-Thrifter

OCTOBER 8, 2012

Use that gift card combined with sales to buy some new clothes to give to a needy family. Redeem your points for an Amazon gift card and buy a toy for a child from a family in need. Rather than saving the points for yourself, you can donate them through Huggies’ Every Little Bottom program. At first.

Giving 235

Giving Money Swagbucks Donation 235

Savings Corner

DECEMBER 25, 2023

The rate adjustments are based on a benchmark index, which in most cases is the secured overnight financing rate, or SOFR. 3-year ARM rates NerdWallet’s mortgage comparison tool can help you find competitive 3-year ARM rates today, whether you are buying a home or refinancing. For example, an index rate of 5% plus a margin of 2.75

Economy 40

Economy Refinancing Finance Points 40

Prairie Eco-Thrifter

AUGUST 10, 2014

Insurance helps you manage your finances. If you borrow to buy your car, the lender might require you carry insurance so that the loan can be paid off if something happens to the vehicle. After all, one hospital visit could push your finances over the edge. In some cases, you are required to carry insurance. Money Tips'

Insurance 193

Insurance Life Insurance Health Insurance United States 193

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. Good tax planning can create ways to minimize the long-term impact of taxes on your finances, too.

Goals 52

Goals Debt Taxes Insurance 52

Prairie Eco-Thrifter

JULY 10, 2012

You can’t get what you want out of your personal finances on the Toll House budget. How to Start a Budget with a Purpose Just like my experience making cookies, we have the ability to put our finances into a budget so that we can get what we want with the money we earn. So, how do you manage your finances? Do you want to retire?

Budgeting 213

Budgeting Budget Toll House Cooking 213

Savings Corner

DECEMBER 24, 2023

These can be had directly from a mortgage lender or through a state housing finance agency, which connects first-time buyers with partner lenders. Through state housing finance agencies (HFAs), Fannie and Freddie also back another set of 3 percent down payment programs, called HFA Preferred and HFA Advantage , respectively.

Insurance 52

Insurance Finance Home Education 52

Nicoles Nickels

DECEMBER 2, 2011

Regina Lewis is one of the nation’s leading personal finance commentators known for well-researched, practical and actionable advice. For example, a $300 jacket would be contemplated for three days; a couple weeks before buying a $1,400 laptop. Her segments cover economic and consumer trends. of the total U.S.

Personal Finance 45

Personal Finance Finance Holiday Shopping 45

Prairie Eco-Thrifter

AUGUST 31, 2014

Because my husband and I were just dating at this point, we didn’t have combined finances so I didn’t share my newfound love for budgeting with him. At this point, I started realizing the impact of his money behaviour on our financial future, good or bad. I was a bit sneaky with this, but it worked nonetheless.

Budgeting 180

Budgeting Budget Money Finance 180

Prairie Eco-Thrifter

NOVEMBER 12, 2011

Now without further adieu, I present you with the dozens of great reads written by Yakezie members and challengers alike this past week in our efforts to bring you timely insight on personal finance and lifestyle today. Personal Finance Whiz: Keynesian vs Hayekian Economics – The Solution To Our Recession? I’m a geek, he’s not.

November 188

November 2011 Personal Finance Finance 188

Prairie Eco-Thrifter

NOVEMBER 6, 2013

I remember the old S&H Green Stamp days when folks would paste their little green stamps (which they go from buying stuff) in a book which could then be redeemed for more merchandise available from the catalog. If we can’t afford something, I’d rather not buy it. It’s a pain to use the points. Here is why.

Credit Card Rewards 228

Credit Card Rewards Credit Cards Credit Rewards 228

Prairie Eco-Thrifter

MARCH 29, 2011

Overbuying is when someone buys a premium version of a basic product that they may need. Buying a car. Automobiles are often necessary for getting to and from work, running errands, and for getting from point A to point B. They often buy too much car for too many dollars. Buying a house.

Furnishings 157

Furnishings Debt Cars Car 157

Family Balance Sheet

APRIL 1, 2015

It was many years of over spending and not having a plan for our money that led us to that point. In June of 2010, we hit our rock bottom point. I found as much information as I could on line about personal finance from personal finance blogs and I read Dave Ramsey’s book “ The The Total Money Makeover ” which really made sense to me.

Debt 100

Debt Credit Cards Debt Free Credit 100

Savings Corner

DECEMBER 25, 2023

Most people don’t have the cash to simply buy a house. Instead, they use a mortgage, which is a loan to buy a home. Sample rates also sometimes include discount points , which are optional fees borrowers can pay to lower the interest rate. Including discount points will make a lender’s rates appear lower.

Re-use 52

Re-use Economy Homeowner Insurance Insurance 52

Prairie Eco-Thrifter

MAY 1, 2013

While they can be helpful when it comes finding a starting point, rules of thumb should be approached with a degree of skepticism. Rules of thumb can be useful in terms of starting points for deciding on what to do next. If you are buying a home, start with the 30% rule, and then evaluate where that puts you in terms of finances.

Life Insurance 213

Life Insurance Insurance Debt Property Taxes 213

Prairie Eco-Thrifter

SEPTEMBER 26, 2013

Check them out: Good Reads From The Blogosphere: Mr.CBB @ Canadian Budget Binder makes a great point that life becomes a lot easier if we just simplify it in his post: Happiness is everything: Saving Money and Buying Time. Here are some great articles from this week. at Debt Roundup.

Fridays 187

Fridays Budgeting Budget New Cars 187

Family Balance Sheet

APRIL 11, 2020

Like many across the globe, my family’s finances are a bit unstable due to the Coronvius Pandemic. We didn’t have enough cash saved to buy a car without a loan and that wasn’t sitting well with me. I will eventually buy a machine, but for now, my morning coffee is secure. I have been using it ever since.

Budgeting 246

Budgeting Budget Family Debt 246

Prairie Eco-Thrifter

SEPTEMBER 15, 2014

If you are working at becoming a millionaire, perhaps you dream about the mansion you will buy and the servants you will have, the vacations you will take and the interests you will pursue. Managing your finances gets a lot more complex and time consuming. A fulfilled life, to me, is a life of accomplishment.

Money 247

Money Grandchildren Thrifty Job Loss 247

Koupon Karen

NOVEMBER 30, 2023

Check out local buy-and-sell groups or consignment shops. For example, some companies offer rewards programs that give you points for purchases, which you can redeem for future discounts. However, be careful not to fall into the trap of buying items just because they are on sale. But remember, you’re not alone.

Budgeting 52

Budgeting Budget Baby Friends And Family Sale 52

Prairie Eco-Thrifter

NOVEMBER 4, 2011

Where ever your child is on the learning continuum – here are some ideas on ways to teach personal finance without spending (much) extra time specifically on it. Include kids in deciding on menus, listing ingredients and buying the items at the store. Let them buy their own meal (counting the change). Buying gasoline.

Money 187

Money Parenting Kids and Family Gasoline 187

Prairie Eco-Thrifter

MARCH 18, 2011

101 Centavos blogs about practical freedom, an unequal mix of personal finance, gardening, investing, career advice, cooking and yard sales. But that’s the whole point of having a peeve, isn’t it. That’s not the point, is it? Instead of just one pet peeve, I suppose I have a menagerie of peeves, a whole peevery.

Pets 149

Pets Leftovers Personal Finance Milk 149

Prairie Eco-Thrifter

NOVEMBER 10, 2014

Less Stuff to Buy. We made a couple of furniture purchases to replace things we left behind, but since settling in, we are spending less on what we buy each week. We don’t want to buy anything unless we have a place to put it. Instead, we buy what we need for a little more than a week, and we plan our meals better.

Money 195

Money Public Transit Repairs Bills 195

Prairie Eco-Thrifter

JULY 25, 2012

Making Learning Fun There’s no need to gather up the kids and start lecturing on the finer points of finances. You probably tire of hearing their requests and you may not always have a good answer for why you aren’t buying something for them. They aren’t going to understand most of it.

Saving Money 188

Saving Money Money Kids Saving 188

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. Those of us who have been around awhile remember much higher rates – even up to 14% on CDs at one point. What can you even buy for $.06? Why be a saver stooge?

Money 124

Money Saving Money Lowes Grandchildren 124

Prairie Eco-Thrifter

JUNE 23, 2014

Many people choose to buy more efficient cars, take public transportation, and carpool in order to reduce these costs. He made it a point to spend that time doing work tasks, catching up on email, or reading something useful that he could put into practice to better his situation. However, gas costs aren’t all you have to consider.

Transportation 204

Transportation Cars Car Insurance 204

Penny Pinchin' Mom

MARCH 11, 2024

Buy in Bulk Apart from using coupons, I advocate buying in bulk when at the grocery store. Whenever you buy brand products, you are paying for the name; that’s what makes them a bit more expensive than most. At this point, you will have saved a whopping $5,050, and then you can start again.

Saving Money 52

Saving Money Money Saving Credit Cards 52

Family Balance Sheet

JANUARY 21, 2015

She writes about family, finances and faith at her blog, Principles of Increase. More diligence with finances brought in more income producing opportunities for us. We rarely argued about finances since we paid the decision to be debt free. Who handles the day-to-day finances in your home or do you work on it equally?

Debt 100

Debt Debt Free Las Vegas Finance 100

Prairie Eco-Thrifter

APRIL 14, 2013

Spending more than you can afford will definitely put you either in grave debt, or it can even make you bankrupt at some point. Avoiding the unnecessary things like extra trips to the store can help you save on gas or transportation expenses, and limiting the times that you eat out can actually do a lot for your finances.

Money 273

Money Cable Service Budgeting Budget 273

Family Balance Sheet

APRIL 19, 2016

She writes at her personal finance website, And Then We Saved. It was more that I finally got to the point where I was sick of feeling like crap about myself and I was ready to do whatever it took to try to change things. I had been overspending for about 9 years at that point and enough was finally enough. Where are you from?

Credit Cards 100

Credit Cards Debt Free College Debt 100

Prairie Eco-Thrifter

MARCH 26, 2014

One of the fundamental principles of savvy finances is understanding the difference between needs and wants. The reality, of course, is that paying the monthly charges — not to mention buying the phone in the first place — is somewhat expensive. Unfortunately, it’s all too easy to let luxuries become needs.

Phones 229

Phones Cable Internet Debt Skype 229

Prairie Eco-Thrifter

FEBRUARY 3, 2016

While my spouse and I were in the throes of child rearing we didn’t think much about providing an intentional or structured set of lessons around personal finance. Buy them a piggy bank and help them remember to feed it when they can. Point out how compound interest is making savings grow. Encourage them to save.

Work 100

Work Kids Bank Banking 100

Savings Corner

DECEMBER 24, 2023

For instance, some people might want to buy a house soon while others are focusing on saving for retirement. Lack of experience Whether you have complicated finances or you don’t know how certain things work, hiring a professional can help you grasp concepts you weren’t familiar with. Robo-advisor.

Financial Goals 40

Financial Goals Goals Real Estate Money 40

Prairie Eco-Thrifter

NOVEMBER 18, 2012

At one point or another, every homeowner eventually decides they want to either add something to their home, or renovate it one way or another. Plenty of different factors should be thought about when you’re considering when you want to invest in renovations or simply buy a new place for your family.

Renovation 189

Renovation Home Work From Home Repairs 189

Prairie Eco-Thrifter

OCTOBER 6, 2014

When you do shop, make sure you use a list and that you only buy what you need that will not only save you money, it will also help the environment. According to EndHunger.org, approximately 40 percent of the foods Americans buy goes to waste. There may come a point when you need to make larger changes to go green. Money Tips'

Green 113

Green Recycle Recycled Recycling 113

Prairie Eco-Thrifter

DECEMBER 20, 2012

It’s only 27 hours of travel time between the two cities so the smart traveler would add in $100 for a night of hotel lodging, bringing the grand total for travel from point A to point B to $365. 4 Good Reasons To Buy Travel Insurance Insurance has always been something that most of us aren’t really sure about getting.

Vacation 202

Vacation Travel Insurance Airfare 202

Family Balance Sheet

FEBRUARY 4, 2015

We bought into the myth that student loan debt is “good debt” and that it was better to “invest” in buying a home instead. At the point when we finally got serious about paying off our debt we had $22,047 left. Once we both took a look at our budget and finances, it was clear what we needed to do.

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Family Balance Sheet

SEPTEMBER 9, 2014

Travel, buy fun stuff, give gifts, help others, work if I feel like it and not if I don’t, etc. asking for discounts every time you buy something, etc. Who handles the day-to-day finances in your home or do you work on it equally? How often do you and your spouse discuss your finances/budget/spending?

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236