Family Balance Sheet

APRIL 1, 2015

Today’s Debt Free Story is from Brian. He writes at Debt Discipline about about how his family of 5 deals with money, budgets and debt. I started my blog Debt Discipline to help keep us accountable while paying off our debt. How much debt did you pay off? What kind of debt was it?

Debt 100

Debt Credit Cards Debt Free Credit 100

Family Balance Sheet

AUGUST 6, 2022

In the grand scheme of college funding, $200 is a drop in the bucket, but I always appreciate free money. Credit Card Cash Back Redemptions in July: $196. 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.

July 130

July Frugal Credit Cards Donation 130

Prairie Eco-Thrifter

AUGUST 17, 2017

If you are going on to college in the fall, don’t let summer roll by without doing some preparation work to help you avoid typical college fail points. Talk to any alumni you may know (hint parents, cousins, that kid that went off to college last year) to see what they know about it. Read up on what colleges may offer.

College 133

College Graduation Used Points 133

Prairie Eco-Thrifter

MARCH 4, 2015

It was nearly impossible to figure out exactly how the program would work for each query, because, as Bonnie Baker (the engaging and energetic DB2 speaker) used to put it “It depends” Likewise with understanding whether the rich use debt differently than the rest of us… it depends. It depends on how the debt is managed.

Debt 100

Debt Used Money IBM 100

Family Balance Sheet

AUGUST 21, 2020

Debts still need to be paid, cars will need new parts, homes will need to be repaired, and kids will need braces. My husband’s brain likes to see everything written down on one page, so I developed that first spreadsheet to list all of our accounts and all of our debts. It showed him what we OWE and what we OWN.

Family 241

Family Debt Finance Kids and Family 241

Family Balance Sheet

MARCH 19, 2014

Prior to FPU, we thought we were doing well financially and never considered that we had too much debt. We didn’t have credit card debt, we paid off our car notes early, and the interest rate on the student loan was at a low 2.75%, so we thought we were doing okay. “Debt is Dumb and Cash is King.”

Debt 100

Debt Money Emergency Fund Goals 100

Savings Corner

APRIL 4, 2024

You can use this money for any purpose, including home remodeling , consolidating higher-interest debt , college tuition and other financial needs. Cash-out refinances are generally best for big-ticket costs: Think home renovations or major debt consolidation. This can be a boon for your credit score.

Refinancing 52

Refinancing Work Debt Home Improvement 52

Family Balance Sheet

OCTOBER 17, 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. For years, my husband and I didn’t consider OUR debts to be wrong. To us, debt was a necessary evil. Today’s assignment: Create a Plan to Eliminate Your Debt.

Debt 100

Debt Finance Organic Organization 100

The Frugal Girl

NOVEMBER 27, 2023

I made some foolish choices shortly after graduating college, burning through my savings and running up credit card bills. I think of the period of my life right after college my “quarter life crisis,” which included a series of money mistakes. What’s your best frugal win?

California 172

California Cars Car College 172

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

Savings Corner

APRIL 4, 2024

Key takeaways A home equity loan allows you to borrow a lump sum against your home’s equity, usually at a fixed interest rate that’s lower than other forms of consumer debt. While high compared to their average of six percent in 2022, that’s significantly lower than other forms of consumer debt. What is a home equity loan?

Home 52

Home Debt Credit Cards Credit 52

Savings Corner

DECEMBER 25, 2023

How do I choose a private college loan online? Compare offers from multiple lenders including banks, credit unions, online companies and state-based lenders to find the lowest interest rate. If you have no income and no credit or bad credit, you’ll need a co-signer to get a private student loan.

Student 52

Student College Credit Debt 52

Savings Corner

DECEMBER 25, 2023

Many people use the cash from a cash-out refinance to fund large-scale home improvements, education expenses or debt consolidation. Cash-out refinances are helpful with major expenses, because you generally can borrow much more than you could with a personal loan or by using credit cards. Potentially higher interest rate.

Refinancing 52

Refinancing Debt Credit Cards College Tuition 52

Prairie Eco-Thrifter

JANUARY 5, 2014

Manisha has an MBA from Harvard and serves as a Financial Fellow at Wellesley College. How we handle our money early in life can impact us in future years- for example, young adults who rely on credit may find themselves continuing this pattern throughout life and consumed with debt.” Start an aggressive debt payoff schedule.

Personal Finance 192

Personal Finance Finance Finance Tips Graduation 192

For the Mommas

JANUARY 20, 2016

Credit Card Rules You Should Live By. Ah, the credit card. That magical card of freedom. 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!

Credit Cards 40

Credit Cards Credit Debt Equal 40

The Frugal Girl

FEBRUARY 18, 2024

I’m 47, married, and living amongst the cornfields in a college town in the Midwest U.S. As our family and household income grew, my husband and I made it a goal to put more money aside for emergencies, retirement, college, home improvements, etc. I live in a fairly transient town with lots of college students. helping out 7.

Kids and Family 185

Kids and Family Home and Garden Money Frugal 185

Prairie Eco-Thrifter

MAY 25, 2014

These were my college years, when I made lots of stupid decisions. Or put yet another trip to Las Vegas on the credit card. Me from 15 years ago would get an earful about what not to do, and advice on budgeting and saving and staying out of debt. Why I Don’t Use Credit Card Rewards Programs.

Money 209

Money Giving Las Vegas Credit Card Rewards 209

Savings Corner

APRIL 4, 2024

HELOCs (home equity lines of credit) come with variable interest rates and fluctuating monthly payments (like credit cards). Home equity lines of credit (HELOCs) and home equity loans are two similar finance tools — methods of borrowing money against the ownership stake you have in your home. HELOC: What is it?

Home 52

Home Work Debt Credit 52

Savings Corner

APRIL 4, 2024

You can use your equity to renovate some rooms, pay off credit cards, cover college tuition, start your own business … or almost anything else. It represents the total debt against the home: both the original mortgage and the size of the new home equity loan or line of credit.

Calculators 52

Calculators Home Debt Fair-Trade 52

Family Balance Sheet

DECEMBER 28, 2016

You will learn valuable information from leading personal finance bloggers on topics ranging from budgeting basics, dumping debt, boosting your income, and investing in YOUR future. Toni Husbands of Debt Free Divas. Monday, January 9: 12pm EST: Tips for Tackling Credit Card Debt with LaTisha Styles.

New Year's 100

New Year's Debt Personal Finance Real Estate 100

Prairie Eco-Thrifter

FEBRUARY 28, 2013

Lance was an unfortunate victim of credit card fraud. Student Debt Survivor wants you to know a secret about paying off $30K in student loans. How to Use a Credit Card to Save the World. Cat at Budget Blonde has come a long way in her financial and personal journeys. PET Archives. Smell Great on the Cheap.

Fridays 170

Fridays Student Debt Credit Cards 170

Prairie Eco-Thrifter

JULY 31, 2014

For me, my best financial lesson came from suffering through 10 years of near poverty, the consequence of picking a non-lucrative college major, then figuring out how to re-train and enter a highly rewarding profession – learning to be independent and self-sufficient, even from my spouse. Read more on my story in my book. Free money!

Debt 167

Debt College Student Money 167

Family Balance Sheet

JUNE 4, 2015

However a few years ago, we found ourselves with too much debt and not enough cash. Within a year after settlement, we found ourselves with a lot of debt, not enough cash flow, and very little set aside for emergencies. As much as I wanted to be a property owner, the extra debt was beginning to suffocate us.

Goals 100

Goals Debt Renovation Daughter 100

Family Balance Sheet

AUGUST 11, 2016

They’re taking a gap year between high school and college. ” Her comment was echoed by another (in real life) conversation I was having with a different friend who is sending a child off to college this fall. The cost of college education is crushing and many parents feel compelled to assist or pay for the entire tuition.

Emergency Fund 100

Emergency Fund Money Finance Debt 100

Prairie Eco-Thrifter

FEBRUARY 3, 2014

I wonder if that could be part of our national debt problem. He ended up hundreds of thousands of dollars in debt and only salvaged his estate by selling (after his death) his civil war memoirs. Just because you make it to be the most powerful leader in the world doesn’t mean you end up rich.

Personal Finance 186

Personal Finance Finance 2005 Debt 186

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

JULY 4, 2011

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? and says, “The big debt clock is over $14 trillion now, but this other one is approaching $1 trillion, and may affect you more directly.&#. How about you?

Personal Finance 240

Personal Finance Finance Family Debt 240

Family Balance Sheet

MARCH 4, 2016

Today’s Debt Free Story is a guest post from Chris Peach. The straw that broke the camel’s back was the phone call I received from Andrea: She was checking out of the grocery store with our 10 month old on her hip and our card was declined – insufficient funds. He and his wife paid off $52,000 in just 7 months.

Debt 100

Debt Finds Debt Free Television 100

Savings Corner

DECEMBER 27, 2023

Top balance transfer credit cards BankAmericard® credit card: 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account. Read our review of the BankAmericard® credit card. But most people can’t go wrong with these award-winners.

Credit Cards 52

Credit Cards Credit December Airline 52

Savings Corner

APRIL 4, 2024

Unlike home equity loans with a fixed amount, home equity lines of credit, or HELOCs , allow you to borrow from your home’s equity as needed over a set time frame. This can help you keep your monthly payments down and avoid unnecessary debt and interest. Like credit cards, HELOCs come with variable interest rates.

Credit 40

Credit Home Debt College Tuition 40

Couponing 101

MAY 28, 2019

adults have credit card debt, kids might not be learning the best financial lessons to set them up for future success. While the stakes may seem small now, the lessons can carry over later to help your children save for college or their first house. They soak up the language, beliefs, and habits of the people around them.

Saving Money 84

Saving Money Money Simple Financial Goals 84

Family Balance Sheet

MARCH 4, 2015

Today’s Debt Free Story is from Maureen. She writes at A Debt Free Stress Free Life. 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. How much debt did you pay off? Where are you from?

Debt 100

Debt Credit Cards Debt Free Student 100

Prairie Eco-Thrifter

OCTOBER 17, 2012

I managed to rack up over $20,000 of credit card and personal debt by the time I was 23 and this affected my ability to keeo my first house. How I wish I had followed all the advice I happily ignored when I finished college and started work. That’s not a good line of thinking at all, as I discovered the hard way.

Budgeting 214

Budgeting Budget Debt Money 214

Prairie Eco-Thrifter

APRIL 11, 2011

Join the husband/wife blogging team of Broke Professionals as they attempt to dig themselves out of a combined six figures in student loan debt. On credit cards and debt: “Credit cards are the easiest way to get into trouble. Stay out of debt in general. He is one of my heroes.

Work 133

Work Debt Credit Cards Finance 133

Saving Cents With Sense

MAY 26, 2014

Creating a short-term budget and long-term financial plan can not only help you get out of debt once and for all, but they can also guide you to economic independence and prosperity. Most people want to get out of debt, while others want to save for their children’s college educations or a new home.

Emergency Fund 71

Emergency Fund Goals 2008 Debt 71

Couponing 101

JULY 26, 2011

Today, you can pick up pretty much any book, newspaper, or magazine and find an article about getting out of debt. Did you know that: * Nellie Mae reports that the average amount of credit card debt held by college graduates is $2,700. * It is time to change and that change is going to happen with our kids!

Saving Money 103

Saving Money Money Kids Debt 103

Nicoles Nickels

JULY 25, 2012

Even prior to college, students are required to have all sorts of supplies, and that can put a strain on your wallet. Credit Sesame wants to help you ease the Back to School financial strain. Don’t worry about raking up those credit card bills, or putting a dent in your savings. Education expenses seem to grow every year.

Win 45

Win Finance Personal Finance Debt 45