Family Balance Sheet

AUGUST 6, 2022

We’ve seen higher grocery and fuel bills lately, so we’re upping our frugal game to help the budget. Our financial goals are still important to us and we want to hit them regardless of the rising prices. I use the pesto as a sauce for hot pasta or pasta salad, pizza topping, and spread it over grilled chicken or fish.

July 130

July Frugal Credit Cards Donation 130

Family Balance Sheet

SEPTEMBER 29, 2016

I watched her and her husband’s debt free scream on The Dave Ramsey Show. You can find Angela at her You Tube channel, Our Life…on a Budget , where she vlogs about getting out of debt and staying there! Angela & Jeff’s Debt Free Story. Tell us about you and your family. How much debt did you pay off?

Debt 100

Debt Debt Free Budgeting Budget 100

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

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. I STILL use our spreadsheet today.

Family 241

Family Debt Finance Kids and Family 241

Family Balance Sheet

AUGUST 5, 2015

Today’s Debt Free Story is from Jessica. Tell us about you and your family. Hi, We’re the Gann Fam! How much debt did you pay off? What kind of debt was it? 130K in mortgage debt. 10K in car payments, $35K in credit card debt. What inspired you to get debt free?

Debt 100

Debt Debt Free Finds Finance 100

Savings Corner

DECEMBER 25, 2023

With a cash-out refinance , you’re getting a new loan that’s for more than you owe on your current mortgage. Many people use the cash from a cash-out refinance to fund large-scale home improvements, education expenses or debt consolidation. The lender uses your home’s value to set the HELOC limit.

Refinancing 52

Refinancing Debt Credit Cards College Tuition 52

Family Balance Sheet

MARCH 26, 2021

Life suddenly changed for most of us in March 2020 and this past year of the pandemic has reinforced how important an emergency fund is. If you’re able, maybe use some of your stimulous money to put towards building an emergency fund. It was a very scary time for us. We had enough to get us through one more month.

Emergency Fund 130

Emergency Fund Building 2007 Credit Cards 130

Penny Pinchin' Mom

JANUARY 16, 2024

However, if you have been following me, you know that I am quite serious about finding ways to not only get out of debt but also how to create a budget (and stick to it) as well as how to save money without necessarily depriving your family of the quality of life they deserve. Again, you’re not alone with this problem.

Personal Finance 52

Personal Finance Finance Tips Finance Mom 52

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! Just say no.

Credit Cards 40

Credit Cards Credit Debt Equal 40

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. 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

Family Balance Sheet

OCTOBER 15, 2021

I don’t recall why I never used the account, but I guess it just slipped my mind. Prior to 2020, we spent years aggressively paying off six figures of non-mortgage debts , so saving for college was sporadic deposits into a regulard savings account and basically on the back burner. Use a Upromise Mastercard. Hello, 2020.

College 130

College Used 2020 Saving 130

Savings Corner

DECEMBER 25, 2023

How a HELOC works A HELOC works similarly to a credit card: you’re able to borrow up to a certain limit as needed, rather than taking out a lump sum all at once. Unlike a credit card, however, you shouldn’t use a HELOC to pay for everyday expenses.

Credit Cards 52

Credit Cards Credit Re-use Home 52

Family Balance Sheet

FEBRUARY 6, 2021

We think we’ll use the money towards summer vacation. We’re converting our basement to a family room area and the original family room (in the pic above) is becoming a home office. We’re converting our basement to a family room area and the original family room (in the pic above) is becoming a home office.

Finance 130

Finance January Family 2020 130

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. They’re still working on developing their goals for 2017.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Prairie Eco-Thrifter

MAY 25, 2014

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. By then, I was married, raising a toddler, our family was paying down debt and I was practicing much better financial discipline.

Money 209

Money Giving Las Vegas Credit Card Rewards 209

Savings Corner

DECEMBER 25, 2023

How to use the mortgage calculator Under “Home price,” enter the price (if you’re buying) or the current value (if you’re refinancing). On mobile devices, tap “Refine Results” to find the field to enter the rate and use the plus and minus signs to select the “Loan term.”

Calculators 52

Calculators Taxes Property Taxes Homeowner Insurance 52

Prairie Eco-Thrifter

FEBRUARY 28, 2013

There were as always great reads out this week which I have highlighted below: Good Reads From The Blogosphere: If you’re looking to save some money, consider the DIY approach. Lance was an unfortunate victim of credit card fraud. Read what to do if you’re stuck in the same situation over at Money, Life and More.

Fridays 170

Fridays Student Debt Credit Cards 170

Prairie Eco-Thrifter

MAY 27, 2012

Like I state on my About page , I was in debt and living a life that didn’t satisfy me. Statistics show that nearly one in two Americans are in serious financial problems due to their debt levels. 10 Reasons Why You’re Broke If you always seem to have more month than cash, then it’s time to look at why.

Emergency Fund 212

Emergency Fund Credit Cards Budgeting Budget 212

Family Balance Sheet

JANUARY 20, 2017

I love her passion for helping others along their debt free journey. Krystal & Josh’s Debt Free Story. Tell us about you and your family. 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. towards debt.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Prairie Eco-Thrifter

JULY 31, 2014

Was it the time you were able to save up and pay for something, or the time the re-possessor came around and took that car back? Surviving a negative experience and enduring through or perhaps even overcoming it shows us that we are made of more than we ever dreamed, that we can do and be more than we thought. Challenge yourself.

Debt 167

Debt College Student Money 167

Savings Corner

DECEMBER 27, 2023

MORE ABOUT THE CARDS FEATURED ON THIS PAGE Use the buttons at the top of the page to see cards in different categories. 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.

Credit Cards 52

Credit Cards Credit December Airline 52

Family Balance Sheet

OCTOBER 6, 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. If you’re married, you must do this with your spouse. If you’re married, you must do this with your spouse. Is it to pay off your house? S – specific.

Financial Goals 113

Financial Goals Goals Finance Organic 113

Family Balance Sheet

AUGUST 11, 2016

They’re taking a gap year between high school and college. We’re struggling with it all too. If you’re married, you MUST do this with your spouse.) We charted out our course of action to pay off debts and start saving for retirement. Although I have not personally used this resource. It is a lot.

Emergency Fund 100

Emergency Fund Money Finance Debt 100

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. Create Milestones.

Emergency Fund 71

Emergency Fund Goals 2008 Debt 71

Family Balance Sheet

DECEMBER 10, 2014

Today’s Debt Free Story is from Carrie. Tell us about you and your family. Yep, we’re newlyweds and eloped together in December 2013. How much debt did you pay off? What kind of debt was it? It took just over a year (14 months to be exact) before I paid off all my debts and became debt free!

Debt 227

Debt Debt Free Financial Goals Goals 227

Prairie Eco-Thrifter

MAY 21, 2012

If you’re anything like me, you’ve most likely found yourself sucked into the wonderful world of Pinterest at least once. Whether you’re spending minutes or hours pinning photos of your favorite meals, outfits or vacation destinations, there is a wealth of money-saving knowledge floating around on those boards.

Money 188

Money DIY Saving Money Saving 188

Prairie Eco-Thrifter

MAY 26, 2016

But, with each of the above, you lose the use of that money and often have little chance of even getting it back, let alone making it grow. We could take on debt to grow using other people’s money. Using a student loan to get educated or re-educated in a new (presumably higher paying) field could also be a sure thing.

Money 124

Money Saving Money Lowes Grandchildren 124

Family Balance Sheet

JULY 9, 2015

It’s no secret, I am fascinated, encouraged, and border-line obsessed with debt freedom. The idea of becoming debt free makes me downright giddy. So I love to hear the success stories of others who have found debt freedom. What did they specifically do to become debt free? 10 Smart Ways to Become Debt Free.

Debt Free 100

Debt Free Debt Budgeting Budget 100

Savings Corner

APRIL 4, 2024

Key takeaways Determine how much you need before you apply to avoid requesting more money after you’re approved or borrowing more than you need. Learn the approval requirements and prequalify (if offered by the lender) before applying to minimize your potential credit damage. Tip: Include fees in your loan amount calculations.

Debt 52

Debt Credit Cards Credit Home Improvement 52

For the Mommas

DECEMBER 19, 2015

When you’re on a tight budget, you may think that your Christmas shopping will only yield cheap gifts. You’re still getting brand name products, but at a fraction of the original cost. Many stores offer their customers special deals if they use their store credit card. Christmas Gifts on a Budget.

Budgeting 40

Budgeting Budget Christmas Gifts 40

Prairie Eco-Thrifter

MARCH 14, 2011

And one of the best ways to do it is to use a 529 plan.&#. Kristia presents Save Money On Groceries Without Using Coupons | Kitchen Economics Link Up posted at Family Balance Sheet , saying, “You don’t have to be an extreme couponer to save money on groceries.&#. FIRE Getters presents Top 5 Ways To Trim Our Grocery Bills!

Frugal 150

Frugal Movies Finance Bills 150

Prairie Eco-Thrifter

FEBRUARY 4, 2014

When I was younger, I used to think that a higher income was the solution to most of my financial issues. 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. However, this isn’t always the case. I like travel.

San Francisco 248

San Francisco Emergency Fund Money Utah 248

Prairie Eco-Thrifter

APRIL 6, 2012

It’s modeled much like Michael Pollans Food Rules with many one-page rules that give short but useful tidbits of information. Teacher Man presents Why Credit Cards Are Dangerous For Students posted at My University Money , saying, “I am on the record as having said that I believe students should sign up for credit cards.

Money 133

Money Finance Personal Finance Real Estate 133

Prairie Eco-Thrifter

OCTOBER 15, 2011

You will learn exactly what settings, plugins, and themes he uses. Good Financial Cents: What to Watch For With Debt Settlement Companies Considering using a debt settlement company? Here’s some tips to be wary of when trying to consolidate your debt. Read his take on this great rewards card.

October 200

October 2011 Finance Personal Finance 200

For the Mommas

JANUARY 23, 2013

Saving more (52%), spending less (19%) and paying off debt (19%). that gym you no longer use.) If you achieve it, nothing happens, but if you don’t achieve it, the site will charge your credit card and donate money to a charity whose cause you hate. Consumers with better credit scores have better interest rates.

Monitors 40

Monitors Credit Debt Consumer 40

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? Futures introduction.

Credit Cards 220

Credit Cards Credit Finance Personal Finance 220

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. Tell us about you and your family. Of course, the British climate isn’t always kind, but I’m pleased to say the weather recently has been glorious and I’ve been making full use of it!

Debt 100

Debt Finds Debt Free Pay Off Debt 100