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

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.

Budgeting 246

Budgeting Budget Family Debt 246

Prairie Eco-Thrifter

NOVEMBER 22, 2012

Because so many people are living on incomes that cannot support their spending habits; living on borrowed money, moving money from account to account, buying, spending, hiding the bills, and eventually the ‘dog of debt’ will catch up to you and bite you right in your credit report. Buy Store Brands. Used Doesn’t Mean Abused.

Saving Money 221

Saving Money Money Budgeting Budget 221

Family Balance Sheet

AUGUST 6, 2022

Years ago during our Debt Freedom Plan, I avoided using credit cards, not because we had credit card debt, but because I was trying to limit our overall spending. I allocated cash every month to the non-fixed categories like groceries, restaurants, clothing, and miscellaneous and stuck to the allocation.

July 130

July Frugal Credit Cards Donation 130

Family Balance Sheet

JANUARY 20, 2017

I love her passion for helping others along their debt free journey. Krystal & Josh’s Debt Free Story. How much debt did you pay off? What kind of debt was it? It took us four years, but we paid off over $80,000 of debt! We are debt. debts one by one. What inspired you to become debt free?

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Prairie Eco-Thrifter

FEBRUARY 14, 2013

There were as always great reads out this week which I have highlighted below: Good Reads From The Blogosphere: If you’re struggling to stay afloat with your finances, Grayson at Debt Roundup highlights how the first step to recovery is to admit you don’t have a budget. Should you line dry your clothes?

Debt 171

Debt Fridays Finance Re-use 171

Prairie Eco-Thrifter

JANUARY 10, 2013

If you’re currently balancing your debt payoff and savings efforts, Canadian Budget Binder highlights the reason why it’s important to get out of debt first before saving. Are you a current student or someone who’s currently paying off student loan debt? PET Archives: How to make your own clothes.

Emergency Fund 193

Emergency Fund Debt Student Fridays 193

Prairie Eco-Thrifter

JANUARY 15, 2013

They have enough money to qualify for the debt required to meet their ideas of how their lives should look. I’m going to write that again: They have enough money to qualify for the debt required to meet their ideas of how their lives should look. Their so-called wealth is actually debt. ” They make good money.

Debt 274

Debt Wedding Money Financial Goals 274

Family Balance Sheet

APRIL 12, 2013

"Debt is Dumb, Cash is King" - Dave Ramsey. He has successfully inspired thousands of people to a life free of credit cards and debt. We used them for everything, from groceries and restaurants to gas and clothing and everything in between. If we could reduce our spending by 12-18%, we could put that money towards our debt.

Credit Cards 100

Credit Cards Credit Debt March 100

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

Family Balance Sheet

FEBRUARY 2, 2017

They pay off mountains of debt and scream about debt freedom, or maybe they save gobs of money in a record amount of time, or they have considerable success with their new small business. Meet The Achievers: Deacon and his wife paid off $52,000 in debt in 18 months. His 2017 goal is to make $100,000 in online income.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Prairie Eco-Thrifter

MAY 9, 2011

Did you know that Americans dispose more than 700 billion pounds of paper, plastic, glass, wood, food, metal, clothing, electronics, etc. When you have mess to clean up, use cloth napkins, sponges, or dishclothes that can be washed instead of reaching for paper towels. 5 Ways to Reduce Your Debt. 7000 billion pounds!!!

Reuse 174

Reuse Recycle Recycled Recycling 174

Family Balance Sheet

OCTOBER 12, 2018

This money went into our regular checking account, but I’d like to start directing it towards our debt. To prepare for the cooler weather, I’m spending some time this weekend pulling out and washing our extra bedding and our fall clothing that’s been in storage. Here’s what I’ve found recently: $17.60

Frugal 100

Frugal Freezers Friends And Family Sale Financial Goals 100

Family Balance Sheet

APRIL 22, 2011

From composting and saving rain water to using cloth napkins and reusable grocery bags, I have made many changes in my life over the last 20 years. Buying our home, having children, and trying to become debt free have all had a hand in encouraging me to be a better steward of the environment. Earth Day has come a long way.

Compost 127

Compost Composting College Home and Garden 127

Family Balance Sheet

DECEMBER 10, 2014

Today’s Debt Free Story is from Carrie. How much debt did you pay off? What kind of debt was it? 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. What inspired you to get debt free? Tell us about you and your family. Where are you from?

Debt 227

Debt Debt Free Financial Goals Goals 227

Prairie Eco-Thrifter

AUGUST 22, 2011

Line dry clothes. Leave clothes to dry naturally where possible rather than using the tumble dryer. Not only will you save energy but your clothes will smell fresher too. There’s no need to wash above 30 degrees unless your clothes are particularly dirty or if you have severe allergies. 5 Ways to Reduce Your Debt.

Bills 224

Bills Appliances Home and Garden Green 224

Prairie Eco-Thrifter

MARCH 26, 2014

TVs, cable, Internet service, certain clothes, particular foods, and even some social activities. However, the problem comes when your propensity to spend on luxuries leads to debt. If you are in debt because of the luxuries that you insist on having, that’s when it becomes a problem.

Phones 229

Phones Cable Internet Debt Skype 229

Prairie Eco-Thrifter

JULY 30, 2012

This means accommodation, food, utility bills, basic clothing and health care. Eliminate Debt Everyone has debts. It is usually debts that cause the most financial problems. Getting your debts paid off, or under control, is a good saving strategy because it’s saving you dead money which we call interest.

Debt 202

Debt Budgeting Budget Finance 202

Prairie Eco-Thrifter

OCTOBER 8, 2012

Use that gift card combined with sales to buy some new clothes to give to a needy family. While you may feel that you don’t have anything to donate to a charity, you can use free programs such as Swagbucks or Huggies to donate things like clothing, toys and diapers. You can use your Swagbucks for charity in a variety of ways.

Giving 235

Giving Money Swagbucks Donation 235

Family Balance Sheet

OCTOBER 21, 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. Cash is one of the easiest ways to stay on budget with those categories that are the easiest to overspend, such as groceries, restaurants, and clothes.

Finance 100

Finance Financial Goals Organic Organization 100

Family Balance Sheet

MARCH 6, 2012

It could be from the stress of unemployment, a large debt load, or the amount of shoes in someone's closet; money can be an evil force in a marriage. Do you want to eliminate your credit card debt? The accounts are to cover the personal categories that caused the most tension, such as clothes, hobbies, haircuts, and other miscellany.

Money 225

Money Financial Goals Goals Kids and Family 225

Prairie Eco-Thrifter

DECEMBER 16, 2012

Some people put themselves into debt because of this perceived obligation. And, to get your children involved, help them clean out clothing and toys they no longer need or use to donate to charity. And the worst part is that this smorgasbord of giving really benefits no one in need. If your child attends. Christmas in July.

Giving 203

Giving Holiday Kids Kids and Family 203

Family Balance Sheet

OCTOBER 9, 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. Variable categories change monthly depending on your spending habits and include categories like groceries, dining out, clothing, utilities, and entertainment.

Budgeting 100

Budgeting Budget Finance Organic 100

Prairie Eco-Thrifter

MAY 16, 2012

While many personal finance sites focus on things such as getting out of debt, saving for retirement, and investing, what really matters to me the most is how we can live healthy prosperous lives. The site has grown and changed so much and I owe it all to you, my readers.

Prizes 274

Prizes Personal Finance Finance Giveaway 274

For the Mommas

JANUARY 20, 2016

You may have gotten your first card in college, before you had any salary at all but just in time for that upcoming spring break trip: clothes, gas money, hotel…and then, one month later… BOOM! More purchases equals more spent money equals more credit card debt. If you do spend that much, can you pay off the debt?

Credit Cards 40

Credit Cards Credit Debt Equal 40

Family Balance Sheet

JUNE 2, 2016

Today’s Debt Free Story is from Richard of Frugality Magazine , where he shares frugal living tips for financial freedom. How much debt did you pay off? What kind of debt was it? In total I estimate I paid off round $40,000 worth of debt, though depressingly a fair chunk of that was just interest.

Debt 100

Debt Finds Debt Free Pay Off Debt 100

Finally Frugal

FEBRUARY 5, 2011

First, I read about the Six Items or Less project, in which participants pledge to choose SIX items of clothing (not including undergarments, outerwear and accessories, of course) from their closets and wear only those items for an entire month. I did take some clothing to consignment shops in December (ack! This is more like it!

Frugal 49

Frugal Clothing and Accessories Consignment Shops Consignment 49

Prairie Eco-Thrifter

MAY 1, 2012

What about holidays, cars, homes, designer clothes, retirement? She got rid of her credit card debt using this.” Related posts: Take Small Steps Towards Great Financial Health Finding Your Dream Job and How to Land it How to Live your Dream Life Debt Free Bust Out of a Financial Rut How to Have a Small Budget Wedding.

Money 211

Money Debt Debt Free Cooking At Home 211

Prairie Eco-Thrifter

APRIL 6, 2012

” Daisy presents Taking Care of Clothes posted at Add Vodka , saying, “I somehow doubt its a secret that I have a large wardrobe. I love clothes, and they really are to blame for my spending problems in the first place. ” Managing Debt. You see theres a reason that the majority of people are in debt.

Money 133

Money Finance Personal Finance Real Estate 133

Saving Cents With Sense

FEBRUARY 28, 2014

Your parents did a great job at keeping you fed, clothed, sheltered, and teaching right from wrong. With PNC reporting that the average 20-something faces $45,000 in debt, and Generation Opportunity finding a 15.9 According to the Consumer Financial Protection Bureau, student loan debt has surpassed $1 trillion.

Parenting 81

Parenting Economy Student Cars 81

Prairie Eco-Thrifter

JANUARY 26, 2011

I have been able to save on things like food, gas, and clothing. You see, it’s ok to reward yourself once in a while, but if you are really looking to get out of debt faster, then you owe it to yourself to save every penny that you can. Related posts: 8 Ways to Save Money on Clothes. Where have you been able to cut back?

Bills 124

Bills Money Insurance Saving Money 124

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?

Money 188

Money DIY Saving Money Saving 188

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.

Emergency Fund 130

Emergency Fund Money Finds Friends And Family Sale 130

Prairie Eco-Thrifter

AUGUST 26, 2012

You can make it fun for you kids by running a household scavenger hunt in which you reward you children for finding household items to donate, such as clothes, toys, books, old appliances, and canned goods. Stress the importance of saving and staying away from debt.

Thrifty 189

Thrifty Recycle Recycled Recycling 189

Family Balance Sheet

APRIL 2, 2022

Include everything from weekend trips to longer vacations, yard/garden projects, home renovations, kids’ camps, gear and clothing, and any other summer expense you might have. They’re all designed to help you save money, pay off debt, and achieve your financial goals, so please take advantage of them. Share in the comments!

Budgeting 130

Budgeting Budget Friends And Family Sale Home and Garden 130

Finally Frugal

FEBRUARY 9, 2011

There was a time in the not-so-distant past that my refund would have been spent on shoes, or clothes, or trinkets, or, yes, more shoes. For the past couple of years, my refund has gone straight to debt repayment. I can't WAIT to get my hands on my refund each year! So wait I will.

Taxes 45

Taxes Frugal Debt January 45

Prairie Eco-Thrifter

JANUARY 19, 2011

For example, if you are shopping for clothes , look for off season discount sales where you can get good clothes at a cheap price. You will be motivated to save so you can pay cash for your fun and enjoy the experience debt free. Watch for sales: Don’t ever buy items at full price. It is just a waste of your money.

Saving Money 124

Saving Money Money Insurance Bills 124