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How We’re Using Upromise to Save for College

Family Balance Sheet

I don’t recall why I never used the account, but I guess it just slipped my mind. Right before the pandemic started, I opened 529 College Savings Accounts for our daughters. My oldest was in eighth grade and one of my goals for 2020 was to start saving consistently for both daughters’ college education. Hello, 2020.

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Our 2023 Financial Goals

Family Balance Sheet

My husband and I discussed some ideas over our holiday break. 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. We want to assist our daughters with their college expenses.

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Kindergarten to College – Back to School Money Tips

Prairie Eco-Thrifter

Not many – but by planning ahead now you might find ways to lessen the expenses you will face next month and use the annual experience as a teachable moment in your child’s personal finance education. Parents already know that back to school time is the second most expensive time of the year (right after the holidays).

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10 Ideas to Find Cash for Christmas

Family Balance Sheet

The season of family, faith, food, and…shopping… collective sigh… The spending part of Christmas can get crazy, so I’ve come up with a list of ideas to find some extra cash for your Christmas spending if you’re coming up short. I use this spreadsheet every year. Hopefully, that’s your goal too.

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30 Free but Thoughtful Christmas Gift Ideas

Family Balance Sheet

This list of thoughtful, but FREE Christmas gift ideas is proof that you don’t need to spend a lot of money on the people you gift to if you use your time, resources, and creativity. Browse the entire list and let us know in the comments which ideas you’re going to give and what free gift ideas you have.

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10 Ideas to Find Cash for Christmas

Family Balance Sheet

I use this spreadsheet. In 2013, I had a year long series, Christmas Savings Club , to encourage everyone to set aside money each month for the holidays. My husband has made hundreds of extra dollars by using his experience as a collegiate swimmer and high school swim coach to teach private swimming lessons. Consider tutoring.

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10 FREE (but Thoughtful) Christmas Gift Ideas

Family Balance Sheet

There’s outside pressure during Christmas to spend lavishly only to have the recipient not really like the gift or even use it. This is a great idea for seniors, friends who don’t have family nearby, college students, or just about anyone on your list. Are you a knitter, crafter or do you know how to use a sewing machine?

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