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. How does a cash-out refinance work? Cash-out refinances are generally best for big-ticket costs: Think home renovations or major debt consolidation.

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Refinancing Work Debt Home Improvement 52

Family Balance Sheet

JANUARY 20, 2023

That was the year that we made the goal of paying off the last of our non-mortgage debts and we achieved it by September of that year. In 2020, our financial goals were to read, research, and understand both college and retirement planning. Our oldest is a junior in high school and college becomes reality in the fall of 2024.

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Financial Goals Goals Debt College 130

Savings Corner

APRIL 4, 2024

Let’s look more closely at how HELOCs and home equity loans work, and how to determine which would work best for you. But it’s a revolving debt that offers an amount of funds (a replenishable balance, similar to a credit card limit) tied to the level of equity in your home. Home equity loan: What is it? HELOC: What is it?

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Home Work Debt Credit 52

Savings Corner

FEBRUARY 2, 2024

FULL LIST OF EDITORIAL PICKS: BEST COLLEGE STUDENT CREDIT CARDS Before applying, confirm details on the issuer’s website. Activating and tracking categories might be too much of a hassle for some students brand new to credit cards, but if you’re up for a little work, the rewards can be handsome. Read our review.

Credit Cards 52

Credit Cards Student Credit College 52

Family Balance Sheet

APRIL 19, 2016

Today’s Debt Free Story is from Anna. She is on a mission to help others become debt free. How much debt did you pay off? What kind of debt was it? It was a mix of college loans, a personal loan from my parents (for college), an overdraft account, and credit card debt. Where are you from?

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Credit Cards Debt Free College Debt 100

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. Time to find out.

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College Graduation Used Points 133

Family Balance Sheet

JULY 13, 2016

So I’m thrilled to bring you today’s story, because I actually watched this couple’s debt free scream when it was live on the show. Drew & Farrah’s Debt Free Story. Drew works full time for Department of Defense. Farrah works part time for Department of Defense. How much debt did you pay off?

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Debt Debt Free Finds Home 100

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. Rich people make debt their servant.

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Debt Used Money IBM 100

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 work full time in IT and my wife works part time in retail. I started my blog Debt Discipline to help keep us accountable while paying off our debt.

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Debt Credit Cards Debt Free Credit 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. How do your assets stack up against your liabilities/debts?

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Family Debt Finance Kids and Family 241

Motherhood Moments

FEBRUARY 16, 2023

Through this generous program, deserving applicants are awarded an opportunity to earn their college degree debt free. KC Scholars has been delivering on their mission of scholars graduating debt free for more than six years. KC Scholars supports all its awardees throughout the process and during college.

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Kansas City Kansas Student College 130

Family Balance Sheet

JANUARY 2, 2021

I wanted to reduce our non-mortgage debt, my clutter, my distractions, my impact on the environment, and my consumption of sweets. After writing some financial goals that had a lot to do with researching topics, such as retirement and college savings strategies, I realized that maybe my word for 2020 was READ. But 2019 was different.

Debt 130

Debt 2020 2019 Financial Goals 130

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. But Dave Ramsey’s view of debt is very different.

Debt 100

Debt Money Emergency Fund Goals 100

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.

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Debt Finance Organic Organization 100

Prairie Eco-Thrifter

JULY 10, 2014

My solution to this problem is to create a spending plan that actually works for me. Would you feel a weight lifted if you could pay off your high-rate consumer debt? I like travel, I feel it’s important to set money aside for retirement and my son’s college education, and I like charitable giving.

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Budgeting Budget Work Making 218

Savings Corner

DECEMBER 25, 2023

How do I choose a private college loan online? Instead of basing your loan offer on your credit, they look at your academic performance and earning potential to determine your ability to pay back the debt. How exactly do student loan interest rates work? How do I apply for a private student loan?

Student 52

Student College Credit Debt 52

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. We just finished paying off our non-mortgage debts and now we were considering taking out a car loan. Update our Debt Freedom Plan to reflect lessons learned during this crisis. More family time!

Budgeting 246

Budgeting Budget Family Debt 246

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.

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Personal Finance Finance Finance Tips Graduation 192

Prairie Eco-Thrifter

OCTOBER 10, 2012

I was in college for five and a half years for a four year program prior to graduating, and I paid my way through the whole thing. I learned quickly that the costs add up and that budgeting is of utmost importance if you want to graduate without thousands of dollars worth of debt. Which I did want to do.

College 188

College Library Rent Saving 188

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 188

Kids and Family Home and Garden Money Frugal 188

Prairie Eco-Thrifter

OCTOBER 8, 2013

When I was in high school , I worked two (sometimes three) jobs so that I could go to college. Being a reckless teenager, I ended up spending most of the money I earned on nights out and dresses, but the purpose of my working so much during high school was to put myself through school. Paid Internships/Co-Op Work Terms.

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Student Education Co-Op College 184

Family Balance Sheet

JUNE 30, 2015

At the time, I wasn’t sure how we were going to pay our monthly bills, so future plans like funding our retirement , our daughters’ college education, or a lavish vacation were not on my mind. But once I created our debt freedom plan and outlined the steps we would take to wade through the hardships, I was overcome with relief.

Financial Goals 100

Financial Goals Debt Goals Emergency Fund 100

Savings Corner

DECEMBER 27, 2023

College Ave Graduate Student Loan College Ave is a good choice if you’re working your way through graduate school. Unlike many lenders, including the federal government, College Ave offers graduate student loans if you’re attending school less than half-time. and work at a university.

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Student Graduation January College 52

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. My dad has worked for nearly 40 years as a School Custodian. On work ethic: “Never turn down overtime. Lesson : Be dependable and hard-working. My work is my exercise.

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Work Debt Credit Cards Finance 133

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. Here are some of the most common applications.

Debt 52

Debt Credit Cards Credit College Tuition 52

Family Balance Sheet

JUNE 4, 2015

To many, working with a spouse would be too difficult, but our individual strengths and weaknesses complement each other and the arrangement has worked well. However a few years ago, we found ourselves with too much debt and not enough cash. I designed our Debt Freedom Plan, but it essentially was our life plan.

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Goals Debt Renovation Daughter 100

Savings Corner

DECEMBER 25, 2023

How does a cash-out refinance work? Many people use the cash from a cash-out refinance to fund large-scale home improvements, education expenses or debt consolidation. With a cash-out refinance , you’re getting a new loan that’s for more than you owe on your current mortgage. Potentially higher interest rate.

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Refinancing Debt Credit Cards College Tuition 52

Family Balance Sheet

MARCH 4, 2016

Today’s Debt Free Story is a guest post from Chris Peach. We both went to college, we both worked hard, and we felt like we were fairly intelligent human beings. 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.

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Debt Finds Debt Free Television 100

Prairie Eco-Thrifter

FEBRUARY 15, 2011

Building a college finance fund takes dedication and consistency. When your children are college age, they can always get a private student loan. But those can saddle your children with debt for 20 years or more! But those can saddle your children with debt for 20 years or more! Know Your Actual Budget.

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College Budgeting Budget Friends And Family Sale 100

Family Balance Sheet

JANUARY 20, 2017

I love her passion for helping others along their debt free journey. Krystal & Josh’s Debt Free Story. works in outbound sales, and I teach part-time. We have a huge heart for missions work. How much debt did you pay off? What kind of debt was it? We are debt. debts one by one.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Family Balance Sheet

DECEMBER 28, 2016

I’ve been working on an exciting project over the last few months and I finally have all of the details! 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.

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New Year's Debt Personal Finance Real Estate 100

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. How does a home equity loan work?

Home 52

Home Debt Credit Cards Credit 52

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!

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Debt College Student Money 167

Prairie Eco-Thrifter

AUGUST 21, 2014

It all started in high school, when I graduated five months earlier than my peers so I could work full time and save up money before starting college. I worked full-time throughout college and took a few internships. One way that I’ve benefited immensely from this is in my career. Yes, temporary.

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Travel Graduation College Full Time 165

Savings Corner

DECEMBER 24, 2023

Debt reduction – How much do you need to pay down and how can you do it? Debt reduction If you’ve piled on too much debt, a financial plan can help you devise a way to get out from under it. Whichever way you go, this kind of plan helps you get out of the habits that are piling you under debt.

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Goals Debt Taxes Insurance 52

Prairie Eco-Thrifter

JANUARY 10, 2013

I have started a new job at work which is great but also very overwhelming as I still need to keep up doing my old job until my replacement is hired and trained. Working to build your emergency fund? Are you a current student or someone who’s currently paying off student loan debt? Hi everyone. I literally feel spun.

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Emergency Fund Debt Student Fridays 193

Family Balance Sheet

AUGUST 11, 2016

You work until you are 65 and then retire. They’re taking a gap year between high school and college. Work for the same company for 35+ years. ” 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. Go to school.

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Emergency Fund Money Finance Debt 100