Prairie Eco-Thrifter

JANUARY 1, 2013

A financial advisor told me recently that the thing that really made him upset was that nearly every new client he spoke to was making the same disastrous personal finance mistakes. So let’s look at the most common personal finance mistakes and what you can do to prevent or fix them. Minimum Payments On Credit Cards.

Emergency Fund 272

Emergency Fund Credit Cards Personal Finance Finance 272

Family Balance Sheet

DECEMBER 29, 2020

If your fresh start for the New Year includes improving your finances, you are not alone! This package is designed to help you organize your finances, create a budget, plan for major purchases, understand your cash flow, and track your net worth. I created it as a way to communicate our finances to my husband.

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Budget Budgeting Family Property Taxes 130

Prairie Eco-Thrifter

JULY 13, 2015

Before you get ready to shove those kids of yours out of the nest, here are what I consider to be (based on my experience as a person, a Mom, and a Grandma) the most important things you (or someone) should teach them about personal finance. Here, told as I would tell it to my Grandkids, are my top 5 lessons. How to manage life activities.

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Personal Finance Finance Debt Money 100

Family Balance Sheet

MARCH 9, 2018

I’ve been working behind the scenes on a tool that I personally use to track and organize our finances: Family Budget Spreadsheets. This package of 9 Microsoft Excel spreadsheets is designed to help you organize your finances, plan for major purchases, create a budget, understand your cash flow, and track your net worth.

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Budget Budgeting Family Property Taxes 160

Prairie Eco-Thrifter

MAY 25, 2014

Or put yet another trip to Las Vegas on the credit card. My rewards credit cards were feeble, and I didn’t have a plan for using them. Often, as I review my finances, I ask myself this question: “What will my future self say about this?” Why I Don’t Use Credit Card Rewards Programs.

Money 209

Money Giving Las Vegas Credit Card Rewards 209

Family Balance Sheet

APRIL 9, 2021

Stressed out, we ventured into Dave Ramsey’s online Financial Peace University home course for help. We didn’t carry over credit card balances, we paid off our car notes early, and the interest rate on the student loan was at a low 2.75%. “Debt is Dumb and Cash is King.”. “…and That’s a necessity. A student loan?

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Debt Emergency Fund 2019 Debt Free 130

Family Balance Sheet

DECEMBER 28, 2016

If you’re thinking about some resolutions for 2017 that have to do with YOUR finances, then I’m inviting you to join me in January for the New Year New You Financial Summit. Monday, January 9: 12pm EST: Tips for Tackling Credit Card Debt with LaTisha Styles. See a course, but you can’t make the time slot?

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New Year's Debt Personal Finance Real Estate 100

Penny Pinchin' Mom

FEBRUARY 16, 2024

That’s why a vast majority of us go the financing route. Use Cash Every time you use your credit card, you are paying interest on that purchase. Spending hard cash is much harder than swiping your credit card. How much of that do you have saved up as we speak?

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Car Cars Bank Banking 52

Prairie Eco-Thrifter

MAY 30, 2012

The same can be said about finances – it is often the little things you do, the small actions you take, that have the biggest impact on your financial security, both in the present and in the future. Of course, this concept is true whether the little things are positive or negative.

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Money Emergency Fund Debt Financial Goals 235

Prairie Eco-Thrifter

JULY 18, 2011

Number 9 : Frugal Living tells us to let the dark night guide our finances. While the plot, acting, music composition, and special effects are normally what others focus on when watching this movie, there are actually quite a few lessons in personal finance that can be learned from The Dark Knight as well. Well it does. What about you?

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Money Personal Finance Finance Credit Cards 159

Family Balance Sheet

SEPTEMBER 9, 2014

About $52,000 of that $147K was consumer debt (credit cards, a student loan, a car loan, a home improvement loan, etc.) We just wanted to pay off our credit cards, which seemed like a huge task since we’d struggled with it for years. The rest was our house. I mean, we didn’t even think of it!

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Debt Debt Free Pay Off Debt Financial Goals 236

Family Balance Sheet

AUGUST 11, 2016

But for our own safety net, we must make our finances a priority. We charted out our course of action to pay off debts and start saving for retirement. It’s hard to change and improve your finances if you have no idea where you currently stand. If not for that fund, we would most likely have used credit cards to survive.

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Emergency Fund Money Finance Debt 100

Prairie Eco-Thrifter

FEBRUARY 3, 2016

While my spouse and I were in the throes of child rearing we didn’t think much about providing an intentional or structured set of lessons around personal finance. No, we won’t put that on the credit card and pay for it later. Credit cards require maturity. Of course we misused those cards!

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Work Kids Bank Banking 100

Prairie Eco-Thrifter

APRIL 10, 2014

When you overspend for convenience, you sink into debt, stuck with high interest credit card payments and risk of damaging your credit when you fall behind on your bills. What do you say to people complaining to you about their finances when they are clearly making poor choices? Absolutely not.

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Price Rent Financial Goals Converse 209

Prairie Eco-Thrifter

MAY 27, 2012

Of course, I wasn’t alone but that wasn’t much comfort, I can tell you! See if you can identify with any of these statements: I spend more than I earn I don’t have a household budget I use credit cards all the time to buy everyday essentials like food, gas, transport. This shows that the problem is really widespread.

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Emergency Fund Credit Cards Budgeting Budget 212

Family Balance Sheet

MAY 6, 2020

For many households, their finances and budgets are in limbo. My family’s finances have also been affected. I am totally paraphrasing the year, but had it not been for the money in our emergency savings, we would most likely have used credit cards to survive. Everything changed. What got us through financially?

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Debt Emergency Fund 2007 2020 130

Savings Corner

APRIL 4, 2024

Key takeaways Home equity loans and HELOCs are both financing tools that allow you to borrow against your ownership stake in your home. HELOCs (home equity lines of credit) come with variable interest rates and fluctuating monthly payments (like credit cards). A home equity line of credit (HELOC) is also secured.

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Home Work Debt Credit 52

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.

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Credit Cards Credit December Airline 52

Prairie Eco-Thrifter

APRIL 13, 2014

Agree on the values and expectations you want your children to have in the area of personal finance and consistently teach and enforce those between the two of you (and clue in any significant others in your family such as aunts, uncles, grandparents and etc). Sometimes that is not the best course of action. Bailing them out.

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Kids Money Parenting Kids and Family 219

Family Balance Sheet

FEBRUARY 4, 2015

I have been sharing my passion for simple living on GrowingSlower.com since 2011, and I now have added the Real Mom’s Guide series of books and courses to further encourage my readers! We also continued using debit and credit cards (paid in full multiple times per month) for the convenience of tracking our expenses online.

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Debt Free Debt Financial Goals Budgeting 100

Family Balance Sheet

MARCH 19, 2014

Last year, my husband and I took Dave Ramsey’s online Financial Peace University course. 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.” A student loan?

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Debt Money Emergency Fund Goals 100

Prairie Eco-Thrifter

FEBRUARY 4, 2014

My husband and I were graduate students with loans and credit card debt, and we were certain that a higher income would solve all of our problems. Of course, we like to have fun, too. So we re-jiggered our finances so that we only spend on things that we really enjoy, and that are really important to us. I like travel.

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San Francisco Emergency Fund Money Utah 248

Prairie Eco-Thrifter

JANUARY 14, 2012

Since there seems to be so much in the news lately about credit cards- the good ones, the bad ones, the ugly ones, the fee free ones, the reward ones, the secured ones, etc. I figured I would talk about credit cards as today’s theme. Funancials : Should I Cancel My Credit Card? Read away my friends.

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Credit Cards Credit Finance Personal Finance 220

Family Balance Sheet

AUGUST 5, 2015

10K in car payments, $35K in credit card debt. We decided to declare it our year of health and align our diets and become more healthy, invest more in our community at church and clean up our finances. We followed FPU which was a 9 week course. Who handles the day-to-day finances in your home or do you work on it equally?

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Debt Debt Free Finds Finance 100

Prairie Eco-Thrifter

MAY 26, 2016

Each year I bring them together in my Grandma Rie’s Money Camp and focus on different aspects of personal finance, with saving being a focus in each camp. Of course, depending on what we buy, we may experience some buyers remorse. If you are risk averse, you may lose sleep (and health) worrying about the safety of your finances.

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Money Saving Money Lowes Grandchildren 124

Savings Corner

APRIL 4, 2024

If you qualify for the best rates, a HELOC can be a less expensive way to consolidate debt or finance a home renovation. Frequently asked questions on HELOCs What is a home equity line of credit (HELOC)? Like credit cards, HELOCs come with variable interest rates.

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Credit Home Debt College Tuition 40

Savings Corner

DECEMBER 27, 2023

Of course, the accountant or auditor is free to come to a different conclusion if there’s evidence that the business can’t pay back its loan or meet other obligations. For example, you should avoid putting personal expenses on a business credit card.

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Software Personal Finance Credit March 52

Prairie Eco-Thrifter

JANUARY 6, 2011

This savings can be directly applied towards your smaller debts such as credit and store cards in order to clear them more quickly. Trying to manage your finances and prioritize on paying off debt is impossible if you don’t keep a proper track of your income and outgoing’s. Don’t take out an additional loan.

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Debt Finance Pay Off Debt Credit 113

Prairie Eco-Thrifter

JULY 20, 2011

Guest Post Author Bio: David Bakke enjoys living frugally in Atlanta and frequently shares his best financial tips and experiences on Money Crashers , an online resource ranked as one of the top personal finance blogs online. I started by cutting grocery expenses, and then expanded to lowering monthly bills and reducing insurance fees.

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Frugal Personal Finance Frugal Life Money 174

Family Balance Sheet

SEPTEMBER 20, 2016

It started with $40,000 in consumer debt (vehicles, credit cards, small student loan) and then sold our home and eliminated the $140,000 of mortgage debt. After that, we paid off the remaining $20,000 of debt over the course of 9 months. Who handles the day-to-day finances in your home or do you work on it equally?

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Debt Debt Free Bath and Body Works Gas 100

The Frugal Girl

MARCH 4, 2024

A few years back, I hit my all-time high by borrowing 126 books over the course of one year. Although my parents never specifically taught me about finances, they lived a frugal life by necessity. I learned from the best, but I believe that a personal finance course should be a requirement for both high school and college graduation.

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Green And Frugal Kids and Family Hotel Frugal 177

Prairie Eco-Thrifter

MAY 31, 2012

Bloggers post the most detailed accounts of their finances on their sites – what they make, what they spend, where it comes from and goes, where their banks are and what their net worth is. What will the world be like in 50 years if we stay this course? How valuable is our privacy? Do we have a right to it? No related posts.

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Phones Converse Cameras 2001 187

Nicoles Nickels

JANUARY 18, 2012

Most people will include a resolution about their finances in their list of goals for the year. Some of the most common resolutions is to save more money, spend less money, or pay off credit card debt. Make Them a Habit.

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New Year's Frugal Insurance Budgeting 40

Motherhood Moments

FEBRUARY 7, 2023

billion on the holiday this year, the personal-finance website WalletHub today released its report on 2023's Best Places for Valentine’s Day. cities across 26 key metrics, ranging from florists per capita to forecasted precipitation to the cost of a three-course meal for two. Bad Credit Might Keep You Single. Seattle, WA 3.

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Valentines Day Thrifty Debt Las Vegas 130

Prairie Eco-Thrifter

MAY 8, 2011

I am talking about spring cleaning your finances and finding more ways you can save money. Today along with the great tips from my fellow personal finance bloggers, I am going to share with you six ways you can clean up your finances this season. t Paydown Your Credit Cards. Save Money this Spring: #2.

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Saving Money Money Credit Cards Insurance 232

Family Balance Sheet

MARCH 4, 2015

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. in credit card debt, and an additional $28,756.17 Of course I had to tackle the biggest issue which was my feelings of unworthiness.

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Debt Credit Cards Debt Free Student 100

Nicoles Nickels

NOVEMBER 7, 2011

I’ve added money to the card in all3 ways I was able: by charging money on my other American Express card, by debiting it from my bank account and by purchasing a MoneyPak and adding the funds to the card. I used the American Express Prepaid card just as I would have my other credit cards.

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Hotel Budgeting Budget Home and Garden 40