Family Balance Sheet

APRIL 11, 2020

We paid off our last non-mortgage debt in September and have since sent that loan’s monthly payment to our mortgage principal. This includes Christmas savings, extra mortgage payment, clothing, hobbies, anything frivolous, and sadly, contributions to charities and our retirement will also be paused.

Budget 246

Budget Budgeting Family Debt 246

For the Mommas

JANUARY 5, 2011

Today only, David Bach is offering his Debt Free for Life book for free. If you are thinking of getting out of debt in 2011, this might be a book to get some ideas flowing. Read more about Free Download: Debt Free For Life. Free Manheim Steamroller Christmas Download & More. You can download the ebook here.

Debt Free 77

Debt Free Debt Philosophy Free 77

Family Balance Sheet

MAY 4, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. Years ago during our Debt Freedom Plan, I avoided using credit cards, not because we had credit card debt, but I was trying to limit our overall spending. Yep, I found a $20 bill while running on the beach!

April 130

April Money Credit Cards Donation 130

Coupons Do Work

OCTOBER 3, 2016

Christmas is around the corner — uh-oh! Actually it means saving as much money as you can before Christmas ! 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?

Christmas 153

Christmas Swagbucks Bank Banking 153

Saving Cents With Sense

DECEMBER 20, 2013

When we think about how much we spend at Christmas, we typically focus on how much we spend on gifts for other people. Let’s look at where you could save a little money this holiday season: Christmas Lights. Wired.com figures Americans spend $233 million to power Christmas lights every year. Photo by jspad via Flickr.

Christmas 75

Christmas DIY Debt Pay Off Debt 75

For the Mommas

NOVEMBER 5, 2014

Download: DIY Christmas Gifts: Create Simple DIY Gifts That Wow Friends And Family by Aubrey Azzaro. In this book you’ll find favorite cookies of the heroes and heroines in the Ten Christmas Brides romance-novel boxed set. Download: Favorite Christmas Cookies by Ruth Cardello. Download: Damsel in Debt: Episode.1

DIY 59

DIY Christmas Gifts Debt 59

For the Mommas

DECEMBER 19, 2015

Christmas Gifts on a Budget. When you’re on a tight budget, you may think that your Christmas shopping will only yield cheap gifts. Outlet malls are one of the best places to buy Christmas gifts that look expensive. That way, you can purchase some Christmas gifts without spending a dime. Visit Outlet Malls.

Budget 40

Budget Budgeting Christmas Gifts 40

Family Balance Sheet

JUNE 4, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. I made quite a bit more from the 4th quarter of 2020 where I do most of my Christmas shopping. This money was put into my Christmas Savings account. Yep, I found a $20 bill while running on the beach! Rakuten: $11.31.

Money 130

Money May Donation 2020 130

Family Balance Sheet

MARCH 4, 2016

Today’s Debt Free Story is a guest post from Chris Peach. We sat down at our kitchen table, took out a simple white piece of paper, and penned out a contract to ourselves: It was our Get Out Debt Contract. It wasn’t me telling her we are going to get out of debt, or her telling me it wasn’t in the budget.

Debt 100

Debt Finds Debt Free Television 100

Couponing 101

DECEMBER 26, 2011

Christmas can be very stressful, especially when you have a tight budget. next Christmas! 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.) Start shopping now. Short on cash?

Christmas 80

Christmas Toys Gifts Bath and Body Works 80

Family Balance Sheet

APRIL 2, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. Over the years, I have found money through rebates, refunds, online sales, and even the ground. Yep, I found a $20 bill while running on the beach! January and February were stellar months with finding money.

March 130

March Money Donation Credit Cards 130

Couponing 101

JANUARY 4, 2011

Christmas can be very stressful, especially when you have a tight budget. this Christmas! 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.) Start shopping now. Short on cash?

Saving Money 74

Saving Money Christmas Money Bath and Body Works 74

Family Balance Sheet

NOVEMBER 23, 2013

The list of speakers includes Crystal from Money Saving Mom, Rachel Cruze from the Dave Ramsey Show, Mary Hunt of Debt Free Living and many more. It’s not too late to make a budget for your Christmas spending. My offer for a FREE Christmas Gift & Spending Budget excel spreadsheet is still available. Dine and Dish.

November 100

November Used Menu Planning Menu Plans 100

Family Balance Sheet

DECEMBER 29, 2020

I created the Gift Spending Budget spreadsheet to start planning for the next Christmas because I NEVER wanted to feel that out of control again. When the following Christmas rolled around, we were able to use cash and slept quite soundly in January knowing there wouldn’t be any large bills in our mailbox.

Budget 130

Budget Budgeting Family Property Taxes 130

Family Balance Sheet

JANUARY 1, 2015

Most of them are related to our small business, my husband’s chiropractic office, but last January I got a bee in my bonnet about debt…thank you, Dave Ramsey. I tricked …nudged my husband into following along and together we wrote out our Debt Freedom Plan. Debt Free Stories. My Themes for 2015: 1.

2015 100

2015 Money Debt Home and Garden 100

Family Balance Sheet

OCTOBER 22, 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. So if you could use some extra cash for your emergency fund , or save for Christmas presents or any other activity or need, then you must read 31 Days to Find $1000.

Finance 127

Finance Emergency Fund Organic Organization 127

Prairie Eco-Thrifter

NOVEMBER 14, 2013

Head to this link and get yourself entered: $1000 Christmas Giveaway. Bob from Dwindling Debt wants to know, Can you Really Go Contract Free with your Smart Phone? If so, don’t miss Adam’s post at Stop Worrying About Money highlighting 5 Christmas Gift Ideas For Friends and Family Who Struggle With Money.

Fridays 174

Fridays Airline Personal Finance Money 174

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. The first few years after graduating, I racked up a large credit card debt and bought a new SUV that cost approximately the same as my annual salary. How did you get interested in saving money?

Kids and Family 186

Kids and Family Home and Garden Money Frugal 186

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. To get started, download my FREE Christmas Gift Spending & Budget excel spreadsheet and start planning your Christmas spending budget TODAY, if you have not done so already.

Finance 100

Finance Giving Organic Organization 100

Prairie Eco-Thrifter

JANUARY 2, 2014

Christmas and New Years with friends and family went well though. If so, follow these 3 Basic Rules from Bob at Dwindling Debt. I don’t have much to say this week other than I am freezing my butt off…literally. Where I happen to live we have been colder than Mars. Said so on the news. I am hoping it warms up a bit.

Mars 180

Mars Fridays Haggle Haggling 180

Couponing 101

DECEMBER 14, 2012

Free Christmas Cookie Number Sort Printable. Free Download of 5 Christmas Songs. Free Download of Gazelles, Baby Steps & 37 Other Things Dave Ramsey Taught Me About Debt Audiobook. Free Download of The Lonely Christmas Tree eBook. Free $15 Credit to ThredUp. Free Disney Movie Rewards. Free Offers from Wrapp.

Freebie Friday 99

Freebie Friday Debt Amy's Centrum 99

The Frugal Girl

DECEMBER 11, 2023

and realized we should pay off this debt as quickly as possible. Within reason, we like to give our kids a nice Christmas with presents they enjoy. I decided to get a loan even though I had the money to pay in cash. Shortly after that, my brand new husband and I took a financial course (by the famous D.R., for anyone curious ? )

Money 195

Money Kids and Family Frugal Parenting 195

Saving With Shellie

DECEMBER 12, 2011

Are your Christmas expenses scary this year? Get a free download of Dumping Debt by Dave Ramsey and learn how to get on track for 2012. This is audio lesson will teach you about Dave’s Debt Snowball Method and how to start the process of living debt free. Stan and I do our own modified version of Dave’s plan.

Living Debt Free 75

Living Debt Free Debt Audio Debt Free 75

Prairie Eco-Thrifter

JANUARY 16, 2014

Traditional investment advice says that you shouldn’t invest in the market until you are financially stable, have an emergency fund and have taken care of other basics, such as insurance of all kinds, debt removal and etc. I heartily agree with that advice, but there are ways you can inch into the market along the way.

Emergency Fund 184

Emergency Fund Debt Money Father 184

Prairie Eco-Thrifter

OCTOBER 21, 2012

Kristen from My Dollar Plan reminds us Why You Should Tell Your Family About Your Debt. ” Sean from One Smart Dollar shares 5 Ways to Save Money on Christmas Shopping. Peter from Bible Money Matters shares 10 Tips to Save Money on Your Christmas Shopping and Avoid Going Into Debt. Take the test to find out!”

Personal Finance 219

Personal Finance Finance Debt Money 219

Family Balance Sheet

JANUARY 3, 2012

On Christmas day, my husband and I spent 4 hours together traveling in a car to visit his family. Increase our Monthly Debt Payment. We have set a goal date of July 2015 to pay off all of our debt. The kids were in the back seat watching a movie and we were in the front seat reviewing 2011 and strategizing for the upcoming year.

Financial Goals 127

Financial Goals Goals 2012 Emergency Fund 127

Saving Everyday

NOVEMBER 29, 2014

Special Christmas Recipes. Blood Debt. The Crazy Christmas Caper. What Happens At Christmas. You don’t have to have a Kindle – download the Free Reading Apps to read Kindle books on a variety of different devices! Thanks to Lindsay at See Mom Click for this great list! Food for Mood. Watching the Tree Limbs.

November 45

November Debt Burritos Fantastic 45

Saving Cents With Sense

OCTOBER 31, 2014

Homemade Christmas Gifts by Victoria Raymond. Favorite Christmas Cookies by Multiple Authors. Debt Free: 9 Step System To Get Out of Debt Fast and Have Financial Freedom by Ashton Periera. Classic Rock Icons MP3. Southern Breeze Sweet Tea Sample. Thanksgiving Coloring Sheets.

Halloween 40

Halloween Freebies Debt Thanksgiving 40

Family Balance Sheet

SEPTEMBER 19, 2014

News flash: 96 days until Christmas morning. Instead, we’ll start the new year off right because we celebrated a debt free Christmas. 2 Ways to Prepare for a Debt Free Christmas. Download my FREE Christmas Gift Spending & Budget excel spreadsheet and get started on your Christmas spending budget TODAY.

Debt Free 100

Debt Free Debt Christmas Budgeting 100

Couponing 101

DECEMBER 9, 2011

Free Download Christmas Music. Free Download of Dave Ramsey’s Dumping Debt. Free 1-Year Membership to ShopRunner. Facebook offer). Print a coupon for a Free Bottle of Sambazon. Facebook offer). Free 8×10 Collage Print. Free Download of Handmade Holiday Decor eBook. Free Download of Holiday Treats eBook.

Freebie Friday 65

Freebie Friday Fridays Freebies Subway 65

Saving Cents With Sense

NOVEMBER 11, 2013

Creating a holiday budget can help you control your spending and make sure you get all of the items you need while staying out of debt or overspending. A debt free holiday is a feeling that money can’t buy! Frugal budget christmas holidays save money' ©2009-13 Saving Cents with Sense ™, a website of Saving Sense Media LLC.

Budget 112

Budget Budgeting Holiday Debt 112

Prairie Eco-Thrifter

JULY 22, 2014

As much as I enjoy performing in Christmas shows each holiday season, the audiences won’t come after the New Years, which brings my work to an end before I’d like it to. Rather than being ruled by the anxiety of no longer receiving a paycheck, I took a chance and it paid off. It hasn’t always been that simple though. Or a Cash Flow Problem?

Money 219

Money Unemployment Emergency Fund Couch 219

Couponing 101

SEPTEMBER 16, 2011

Free Audio Download of Dumping Debt by Dave Ramsey. Free Download of Christmas Planning Sheets and eBook. $10 Free Recyclebank Points. Free Wedding Party Greeting Card. Free Subscription to BabyTalk Magazine. Free Audio Download of What Wondrous Love is This? from With Grateful Praise.

Freebie Friday 81

Freebie Friday Fridays Freebies Emergen-C 81

For the Mommas

NOVEMBER 11, 2013

While it is a wonderful season, it is also the season of overspending, overbuying and debt. I don’t want these postings to lead to overspending, overbuying or debt. Just because it is Christmas doesn’t mean you shouldn’ t use your super shopping skills. 101 Deals of Christmas Featured Posts' Be prudent.

Holiday 61

Holiday Budgeting Budget Debt 61

Prairie Eco-Thrifter

DECEMBER 16, 2012

Some people put themselves into debt because of this perceived obligation. Christmas in July. I have always thought that “Christmas in July was a catch phrase made up by. And the worst part is that this smorgasbord of giving really benefits no one in need. If your child attends. This post was written by Marie.

Giving 203

Giving Holiday Kids Kids and Family 203

Birmingham Bargain Mom

DECEMBER 7, 2011

Grab this DVD when you spend $10 online at www.daveramsey.com.

Dvd 74

Dvd Debt Free Bargain 74

Prairie Eco-Thrifter

OCTOBER 13, 2013

It’s fair game if you aren’t going into debt over it and if you are still able to put money aside for emergencies, retirement, and to meet your goals. You wouldn’t drive a luxury vehicle to your parent’s house at Christmas for four hours in the snow. Luckily, none of these hobbies tend to cost very much.

Money 184

Money Car Cars Laptops 184