Family Balance Sheet

FEBRUARY 23, 2015

Our main financial goal in 2015 is to pay down our non-mortgage debt. My hope is to have it all paid off by the end of 2016 and to do so we need to get creative and resourceful. I have scrutinized our budget tirelessly and I really feel like there’s nothing more to cut, so my focus is turning to finding money to put towards debt.

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Debt January Money Financial Goals 100

Family Balance Sheet

JANUARY 21, 2015

Today’s debt free story is from Aja. How much debt did you pay off? What kind of debt was it? We paid off about $110K worth of debt. We paid down mostly student loans, vehicles and business credit card debt ( we already own a home outright ). What inspired you to get debt free?

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Debt Debt Free Las Vegas Finance 100

Motherhood Moments

JANUARY 24, 2023

The higher your credit score, the lower your payment or interest rate. Pay Off Debts to Be More Attractive to Lenders If you have real debt problems, then another solution is to start paying off what you owe. That way, you can start building momentum as you see the loans and credit cards fall off of your report.

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Money Home Real Estate Warranties 130

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.

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New Year's Debt Personal Finance Real Estate 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

Prairie Eco-Thrifter

JANUARY 5, 2014

“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.” You should be laser focused on getting rid of any student loans or credit cards. Start an aggressive debt payoff schedule.

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Personal Finance Finance Finance Tips Graduation 192

Savings Corner

APRIL 4, 2024

Home equity can be a valuable resource for homeowners. You can use your equity to renovate some rooms, pay off credit cards, cover college tuition, start your own business … or almost anything else. Your home equity equals the current value of your home minus your current mortgage debt.

Calculators 52

Calculators Home Debt Fair-Trade 52

The Frugal Girl

NOVEMBER 27, 2023

We don’t live super frugally, but we do live well within our means and try not to be wasteful with our resources. I made some foolish choices shortly after graduating college, burning through my savings and running up credit card bills. The desert sure is pretty after it rains 2. How long have you been reading The Frugal Girl?

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California Cars Car College 172

Family Balance Sheet

FEBRUARY 6, 2021

On one side, it could go down as a very resourceful month. Credit cards are a tricky subject and we pay off the balance every month, so I will write more about this soon. I talk a lot about debt freedom and that is still a goal of ours, and our Debt Freedom Plan will be adjusted. Found Money in January: $1681.

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Finance January Family 2020 130

Saving Cents With Sense

JANUARY 5, 2011

This FREE budgeting software helps you manage all your personal finances, including bank accounts, credit cards, and investments, all in one place. It can help you develop a plan to save for retirement, pay off student loans, or just pay off that debt you have been carrying! ©2009-10 Saving Sense Media LLC.

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Budgeting Budget Personal Finance Software 55

The Frugal Girl

NOVEMBER 13, 2023

My interest in frugality is less about saving money specifically, and more about making good use of the resources I have. Making good use of the resources I have – not only money, but my health, physical abilities, skills, etc. I was in 4th grade, and had 2 younger siblings when they began their debt-repayment journey.

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Kids and Family Parenting Cars Car 191

Family Balance Sheet

AUGUST 11, 2016

We charted out our course of action to pay off debts and start saving for retirement. It’s taking forever for us to accomplish the step we’re on (paying off our non-mortgage debt), but we keep plugging away. Although I have not personally used this resource. The plan hangs on our refrigerator.

Emergency Fund 100

Emergency Fund Money Finance Debt 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. Managing Your Resources. When I was younger, I used to think that a higher income was the solution to most of my financial issues. However, this isn’t always the case.

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San Francisco Emergency Fund Money Utah 248

The Frugal Girl

MARCH 4, 2024

Box are some of my favorite authors) and I use the library to borrow both regular books and electronic resources. Anyone who uses credit cards to collect travel points might want to follow thepointsguy.com; the site covers a lot of territory in the travel rewards arena. Yup, I’m a voracious reader. The same is true for Maine.

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Green And Frugal Kids and Family Hotel Frugal 179

Savings Corner

APRIL 4, 2024

To find out whether your business can afford a loan, many lenders will use something called a debt service coverage ratio (DSCR). DSCR = annual net operating income / total annual debt, including principal and interest Many lenders won’t consider any business with a DSCR below 1.25, and the higher the number, the stronger you look.

Bank 40

Bank Banking Credit Finance 40

Prairie Eco-Thrifter

APRIL 6, 2012

” Jen presents 6 Free Financial Resources & Tools to Improve Your Finances posted at Master the Art of Saving , saying, “If youre interested in monitoring or improving your finances, then you probably dont want to be spending money to do it. ” Managing Debt. Here are 5 steps to painlessly become debt free.

Money 133

Money Finance Personal Finance Real Estate 133

Prairie Eco-Thrifter

FEBRUARY 18, 2011

We have more stable careers, we have no debt (other than our mortgage), and we own a home. This is an awesome resource for me since we are always trying to find the best deal. Now we make our own but if you don’t find you have the time to do this, this post is a great resource. Reducing Debt. How about you?

February 113

February Debt Finance Personal Finance 113

Prairie Eco-Thrifter

MARCH 14, 2011

Consumer Boomer presents How To Be Frugal With Your Credit Card posted at Consumer Boomer , saying, “Frugal use of a credit card can actually save you money rather than cost you money! Here’s how…&#. Dean presents Gas Prices Rise: What Say You? posted at Dr. Dean’s TheMillionaireNurse.com Blog.

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Frugal Movies Finance Bills 150

Prairie Eco-Thrifter

AUGUST 17, 2017

Career eBook Resource Library. High school grads today have seen parents using credit cards (or maybe even their cell phones) to charge everything from gas to groceries to online purchases. In their minds, part of the college experience is being an (almost) adult, which in turn means access to credit. Resumé critiques.

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College Graduation Used Points 133

Prairie Eco-Thrifter

MARCH 8, 2017

It is the same with your finances, whether with credit, savings or investments, use the most reputable institution offering the best plans that you can find. Don’t use a high interest, annual fee credit card without redeeming qualities. All require pruning for growth, just as your investments and debts do.

Finance 133

Finance Growing Flowers and Plants Gardening 133

Family Balance Sheet

JUNE 8, 2018

Many years ago, our cash flow sucked, we put Christmas on a credit card, and I wasn’t sure how I was going to pay for a large tax bill. I came up with strategies to help us pay for yearly bills, large expenses, and we were able to pay off debts. During that time, I started to budget for everything.

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Budgeting Budget Financial Goals Goals 133

Saving With Shellie

JANUARY 5, 2012

One of my favorite free resources on the web is Mint.com. This is a free budgeting resource and it is truly fabulous. The site is recommended by Money Magazine, Kiplingers and other top money resources. And don’t just take my word for it. It is really very cool. There are other great benefits.

Budgeting 51

Budgeting Budget Software T-Mobile 51

Prairie Eco-Thrifter

MAY 21, 2012

But did you know that Pinterest is also a fantastic resource for saving money? As with most popular sites on the web, Pinterest has become a channel for online retailers, so if I were to purchase everything that I liked exactly at the price I find it, it’s safe to say that I’d quickly be broke or worse, back in credit card debt.

Money 188

Money DIY Saving Money Saving 188

Saving Cents With Sense

FEBRUARY 17, 2016

Talk with your human resources department to find out the window during which you can sign up your new spouse to your coverage. Paying Off Debt. If both of you are entering your marriage with debt, you might have previously been tackling your accounts in the ways that made individual sense. Community Property Laws.

Taxes 40

Taxes Debt Finance Wedding 40

Prairie Eco-Thrifter

OCTOBER 15, 2011

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. Money Reasons: Why I Got An American Express Blue Cash Card MR loves reward credit cards.

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October 2011 Finance Personal Finance 200

Saving With Shellie

JANUARY 5, 2011

This is a free internet based program and one of my favorite free resources. One of the benefits to Mint is that when you set up your account, you can link your bank, credit card, loan and investment accounts. Don’t just take my word for it. The site is recommended by Money Magazine, Kiplingers and other top money sites.

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Tools Money T-Mobile Mobile Phone 49

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. When you make a big difference, take a small celebration.

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Frugal Personal Finance Frugal Life Money 174