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. Only a small portion of your FICO score is based on having and using revolving credit. Where Credit Scores Come From. Your Score.

Credit Cards 234

Credit Cards Credit Building Rent 234

Family Balance Sheet

APRIL 12, 2016

I work in Finance/Accounting for a large corporation but I have also started a company called Every Single Dollar , which focuses on personal finance for single women. I had $29,000 in MBA student loans, $14,000 in credit cards, and $13,000 in a car loan. I will NEVER finance a car again.

Credit Cards 100

Credit Cards Debt Debt Free Student 100

Prairie Eco-Thrifter

JULY 4, 2011

Hello and welcome to the 316th Carnival of Personal Finance- Family Edition. Big Cajun Man from THE Canadian Personal Finance Site asks What is Your Financial Plan B? Control Your Cash from Control Your Cash boldly says Your Smart Car Isn’t Saving the World. It has gone on for generations. What do you think?

Personal Finance 240

Personal Finance Finance Family Debt 240

Prairie Eco-Thrifter

OCTOBER 21, 2012

Hello and welcome to this week’s Carnival of Personal Finance. If any of you have seen me host carnivals before you know that I like to add in some funny clips about personal finance for your enjoyment. Editors Picks: Big Cajun Man from THE Canadian Personal Finance Site shares 10 Phrases I have Used to Save Money.

Personal Finance 219

Personal Finance Finance Debt Money 219

Family Balance Sheet

AUGUST 21, 2020

Need a quick snapshot of your finances? I’m a firm believer that finances must be organized and neat, and a Family Balance Sheet helps you keep track of your finances in one tidy spreadsheet. Debts still need to be paid, cars will need new parts, homes will need to be repaired, and kids will need braces.

Family 241

Family Debt Finance Kids and Family 241

Motherhood Moments

MARCH 4, 2023

Source : freepik.com Managing finances can be an incredibly stressful and overwhelming endeavor. So, when “unpleasant surprises” arise, like a car repair or medical bill, you’re confident that you have enough money set aside to cover these. on your credit card. Make smart choices with credit.

Debt 130

Debt Money Building Credit Cards 130

Family Balance Sheet

OCTOBER 8, 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. To begin, gather all of your recent bills, receipts, checking & savings account statement, and/or credit card statements.

Finance 113

Finance Money Organic Organization 113

Prairie Eco-Thrifter

APRIL 10, 2013

And, even if you stay close to home, it’s nice to know that your finances are moving smoothly. Anytime you automate a portion of your finances, you need to be aware of your cash flow. Strategy: Use Your Credit Card. Make sure that your spending is within your income, and pay off the credit card each month.

Bills 271

Bills Credit Cards Finance Credit 271

Family Balance Sheet

OCTOBER 15, 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. Every month, we set aside money in our budget to cover our basic car maintenance. How will you pay for the item?

Finance 100

Finance Organic Organization Emergency Fund 100

Family Balance Sheet

OCTOBER 13, 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. I remember one morning my husband and I were sitting at the kitchen table contemplating if we should sell one of our cars.

Emergency Fund 100

Emergency Fund Finance Organic Organization 100

Prairie Eco-Thrifter

MAY 15, 2012

I mean, I was young, life was good, things were happening; what did I need all that finance stuff for? Better late than never’ is a good approach to personal finance for the over 40s. You might decide you don’t need two family-sized cars anymore. This was me, that’s for sure. I was doing OK!

Personal Finance 221

Personal Finance Finance Debt Calculators 221

Family Balance Sheet

OCTOBER 17, 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. We even thought we handled debt well since we avoided credit card debt. To us, debt was a necessary evil.

Debt 100

Debt Finance Organic Organization 100

The Frugal Girl

MARCH 4, 2024

Although my parents never specifically taught me about finances, they lived a frugal life by necessity. He diligently maintained our car and our house, doing all the work himself. I learned from the best, but I believe that a personal finance course should be a requirement for both high school and college graduation.

Green And Frugal 180

Green And Frugal Kids and Family Hotel Frugal 180

Savings Corner

APRIL 4, 2024

Whether you need money to pay for an unexpected hospital bill, an emergency car repair or to finance some much-needed home renovations , knowing how to get a personal loan will help make the application process as smooth as possible. Collateral is another word for an asset like a car, jewelry or a fine art collection.

Debt 52

Debt Credit Cards Credit Home Improvement 52

Prairie Eco-Thrifter

JULY 13, 2015

Before you get ready to shove those kids of yours out of the nest, here are what I consider to be (based on my experience as a person, a Mom, and a Grandma) the most important things you (or someone) should teach them about personal finance. You may pay way to much for a house or car or sell your things for much less than they are worth.

Personal Finance 100

Personal Finance Finance Debt Money 100

Family Balance Sheet

MARCH 26, 2021

Do you have enough cash to cover them or would you have to rely on high-interest credit cards or a loan from your family? With little money in their bank accounts, these Americans couldn’t afford these unfortunate expenses without using a credit card or maybe relying on a loan from family and friends.

Emergency Fund 130

Emergency Fund Building 2007 Credit Cards 130

Family Balance Sheet

APRIL 9, 2021

We didn’t carry over credit card balances, we paid off our car notes early, and the interest rate on the student loan was at a low 2.75%. We agreed that credit card debt wasn’t very smart, but a car loan? Our personal finances are so interwoven with our small business finances that we view them as one.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

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.

Debt 52

Debt Credit Cards Credit College Tuition 52

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. Reduce Your Credit Cards Ouch!

Simple 221

Simple Finance Budgeting Budget 221

Prairie Eco-Thrifter

MARCH 29, 2011

Lots of people overbuy when shopping for homes, cars, furniture, electronics, and other items. Buying a car. A car can be deemed a necessary purchase depending upon where you live. Many car shoppers would be better served by buying a practical fuel efficient automobile that meets their needs and the needs of their families.

Furnishings 157

Furnishings Debt Cars Car 157

Penny Pinchin' Mom

FEBRUARY 16, 2024

Here’s why: It leaves you with more disposable income It gives you greater peace of mind It makes it easier for you to invest the extra cash When you don’t have crushing credit card debt to worry about, you can plan your finances better, invest more, and spend the excess cash on better insurance policies for yourself and your family.

Money 52

Money Insurance Debt Bulk 52

Prairie Eco-Thrifter

MAY 8, 2011

I am talking about spring cleaning your finances and finding more ways you can save money. Today along with the great tips from my fellow personal finance bloggers, I am going to share with you six ways you can clean up your finances this season. t Paydown Your Credit Cards. Save Money this Spring: #2.

Saving Money 232

Saving Money Money Credit Cards Insurance 232

The Frugal Girl

NOVEMBER 13, 2023

years with no car (and two small kids!). I don’t want to feel like I’m wasting all the gifts I’ve been given, including my finances. I fell in love with pursuing a car-free life. years without a car, and our kids were 4 & 14 months when we moved there. Biking in my favorite park Here’s Liz!

Kids and Family 191

Kids and Family Parenting Cars Car 191

Savings Corner

DECEMBER 24, 2023

And when we say own, we include assets that you may still be paying for, such as a car or a house. For example, your home would count toward your net worth if you’re willing to use it for a home equity line of credit or sell it should the need arise. Liabilities : Any money you owe to another person or entity falls under this category.

Calculators 52

Calculators Taxes Debt Consumer 52

Family Balance Sheet

DECEMBER 10, 2014

After my first marriage fell apart, I ended up with over $14,000 of consumer debt, made up of a car loan and credit cards. My car was parked right outside, so it was hit with several of the bullets. Who handles the day-to-day finances in your home or do you work on it equally? How much debt did you pay off?

Debt 227

Debt Debt Free Financial Goals Goals 227

Prairie Eco-Thrifter

JULY 9, 2013

I also had to iron, make my bed, clean the wood floors in my bedroom, help Dad when he worked on the car and help out with special projects (like painting the rental house). They didn’t use credit (I’m not even sure they ever had a mortgage!) until late in life and then only credit cards. I became a saver.

Used 228

Used Parenting Credit Cards Debt 228

Prairie Eco-Thrifter

AUGUST 19, 2012

Don’t consider the cost of the premiums; consider the cost of replacing your car, home, furniture, income etc. Credit card debt remains at an all time high; this is the first debt to attack and get under control. Limit your exposure by aggressively attacking your credit card balances, focusing on one at a time.

Emergency Fund 222

Emergency Fund Insurance Debt Credit Cards 222

Family Balance Sheet

MARCH 4, 2015

Besides writing on my personal finance blog, A Debt Free Stress Free Life, I’m an adjunct professor at a local college and own a residential and commercial cleaning business. in credit card debt, and an additional $28,756.17 How much debt did you pay off? What kind of debt was it? How long did it take you? I had $50,784.35

Debt 100

Debt Credit Cards Debt Free Student 100

Prairie Eco-Thrifter

JANUARY 8, 2013

I learnt many of them from personal experience when I realized that I had to do something about my credit card debt that was spiraling out of control. I was spending more than I earned, using my several credit cards to buy just about everything and paying off one balance so I had enough credit to pay another.

Debt 271

Debt Win Credit Cards Money 271

Family Balance Sheet

FEBRUARY 11, 2016

Do you have enough cash to cover them or would you have to rely on high interest credit cards or a loan from family? With little money in their bank accounts, these Americans couldn’t afford these unfortunate expenses without using a credit card or maybe relying on a loan from family and friends. A Very Tough Year.

Emergency Fund 100

Emergency Fund Building 2007 Credit Cards 100

Couponing 101

JANUARY 22, 2019

Instead of digging around for your phone when it rings in the car, you can see right on your wrist who is calling and even pick it up on your watch if needed. Don’t forget to use your My Best Buy® Credit Card to earn 5% Back in rewards (6% for Elite Plus) on all your purchases at Best Buy.

Watches 64

Watches Credit Cards Phones Activism 64

Family Balance Sheet

MAY 6, 2020

For many households, their finances and budgets are in limbo. My family’s finances have also been affected. I remember one morning my husband and I were sitting at the kitchen table contemplating if we should sell one of our cars. Everything changed. It was a scary time for us. What got us through financially?

Debt 130

Debt Emergency Fund 2007 2020 130

Family Balance Sheet

SEPTEMBER 9, 2014

About $52,000 of that $147K was consumer debt (credit cards, a student loan, a car loan, a home improvement loan, etc.) We just wanted to pay off our credit cards, which seemed like a huge task since we’d struggled with it for years. Then my husband decided to pay off his car. The rest was our house.

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Prairie Eco-Thrifter

JUNE 14, 2012

” CCS presents Savvy Credit Card Use: Track Your Spending posted at Credit Card Smarts , saying, “A big key to using your credit card wisely is tracking your credit card spending. Financial Planning Odysseas presents Forget Your ATM Card? Not so today.

Money 124

Money 2012 June Credit Cards 124

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. Credit Cards. Credit cards are probably the greatest danger to all your best intentions of sticking to your budget. Not Making Adjustments. Losing Focus and Ignoring The Budget.

Budgeting 222

Budgeting Budget Credit Cards Transportation 222

Prairie Eco-Thrifter

OCTOBER 22, 2013

If you spend like crazy when you’re shopping, charge up your credit cards, and take out enormous loans to pay for your home or car, then your kids are likely to follow in your footsteps because they’ll think that’s normal behavior. Saving and Investing Early.

Money 234

Money Kids College Tuition Kids and Family 234

Family Balance Sheet

AUGUST 11, 2016

But for our own safety net, we must make our finances a priority. It’s hard to change and improve your finances if you have no idea where you currently stand. Use my Family Balance Sheet excel spreadsheet to help you organize your finances. If not for that fund, we would most likely have used credit cards to survive.

Emergency Fund 100

Emergency Fund Money Finance Debt 100