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

Family Balance Sheet

AUGUST 11, 2016

Use my Family Balance Sheet excel spreadsheet to help you organize your finances. Start Saving for your Emergency Fund TODAY! If not for that fund, we would most likely have used credit cards to survive. That emergency fund saved our business, our sanity, and our marriage. Where We Stand.

Emergency Fund 100

Emergency Fund Money Finance Debt 100

Prairie Eco-Thrifter

MAY 27, 2012

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. Also include an emergency fund and contributions to a retirement account, even if just small amounts at first.

Emergency Fund 212

Emergency Fund Credit Cards Budgeting Budget 212

Prairie Eco-Thrifter

MAY 25, 2014

Or put yet another trip to Las Vegas on the credit card. By then, I was married, raising a toddler, our family was paying down debt and I was practicing much better financial discipline. I opened a retirement account during that period, but it involved a managed fund with a 2% annual fee. Money Tips'

Money 209

Money Giving Las Vegas Credit Card Rewards 209

Family Balance Sheet

JULY 10, 2023

Instead, I look for creative ways to save my family money in all aspects of our lives. I also opened another Capital One 360 account for our emergency fund that was also sitting in a zero-interest savings account. Airlines Refund of $400 + $200 credit We flew to Florida in March to visit family.

Frugal 100

Frugal June Flights CD 100

Prairie Eco-Thrifter

JANUARY 30, 2013

Know where these items are, and make sure other family members know as well. If you have limited storage space, at least put together a 72-hour kit for each member of your family. Make sure that you understand escape routes from the house, and that you drill family members on how to get clear of the house, and where to meet.

Emergency Fund 211

Emergency Fund Job Loss Transportation Staying Warm 211

Family Balance Sheet

OCTOBER 15, 2014

By the end of the month, my goal is to help you have a detailed financial plan for your family. If something substantial suddenly happens, we do have an emergency fund to cover it, but now I’ve been given a warning that our van will need some major service in about a year. Welcome to 31 Days to Organize Your Finances.

Finance 100

Finance Organic Organization Emergency Fund 100

Family Balance Sheet

MARCH 19, 2014

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. We thought credit card debt wasn’t very smart, but a car loan? We will cash flow a FAMILY TRIP TO DISNEY. Cash flow a FAMILY TRIP TO HAWAII.

Debt 100

Debt Money Emergency Fund Goals 100

Penny Pinchin' Mom

MARCH 11, 2024

Whether you are looking to save extra money for your emergency fund and potential unexpected expense, a new kitchen, or your kids’ college tuition—you name it—you will require self-discipline and a plan to reach any financial goal. What I do is use my credit cards in conjunction with cash back apps.

Saving Money 52

Saving Money Money Saving Credit Cards 52

Family Balance Sheet

SEPTEMBER 9, 2014

Tell us about you and your family. 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. She blogs at The Debt Myth. Get creative.

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

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. This means that after we take care of retirement and emergency fund contributions, and after everything else is taken care of, we have enough to do what we like.

San Francisco 248

San Francisco Emergency Fund Money Utah 248

Family Balance Sheet

FEBRUARY 2, 2017

Maureen eliminated $79,000 of credit card and student loan debt less than 3 years. Chris and his wife made a financial goal to switch to an all cash lifestyle, instead of relying on credit cards. Will it be your spouse, coworkers, family, a Facebook support group? You want to be very specific on your intentions.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Prairie Eco-Thrifter

OCTOBER 26, 2014

Make a list of all of the family and friends you buy for and how much you usually spend. If you have the time, you can open a Swagbucks account and search the internet for points that can be traded in for gift cards, or you can take advantage of bank cash bonus offers if you open a credit card or checking account.

Holiday 169

Holiday Emergency Fund Homemade Eating Out 169

For the Mommas

JANUARY 19, 2016

If you are one of the many people who have a little or a lot of debt accumulated through credit cards or other ways, use this opportunity to pay some of it back. Add to Your Emergency Fund. An emergency fund can never have too much money in it. If you have an emergency fund to add to, then add to it.

Taxes 40

Taxes Emergency Fund Debt Money 40

Family Balance Sheet

JANUARY 20, 2017

She is the co-founder of the website, Little Light on a Hill , where she writes about faith, family, and finances. Tell us about you and your family. to be able to go on a family missions trip. medical bills, a small credit card, both of our cars, and student loans. Krystal & Josh’s Debt Free Story.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Family Balance Sheet

FEBRUARY 4, 2015

Tell us about you and your family. I wasn’t comfortable keeping only $1,000 in an emergency fund with two little ones and just one income, so we didn’t follow that part of his plan. We have never carried credit card debt during our marriage, so we felt comfortable that it wouldn’t be a temptation.

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Prairie Eco-Thrifter

OCTOBER 21, 2012

Kristen from My Dollar Plan reminds us Why You Should Tell Your Family About Your Debt. I know our families all talk pretty open about money issues so that we can help and support each other. I know our families all talk pretty open about money issues so that we can help and support each other. I totally agree.

Personal Finance 219

Personal Finance Finance Debt Money 219

Finally Frugal

FEBRUARY 14, 2011

Unfortunately, my credit card bill has now expanded to match the frustration I was feeling last week as I cleaned up the floor multiple times. I know that I did the right thing since my cat is like family. I can afford to pay $500 at the veterinarian because I still have an emergency fund. I have four jobs.

Emergency Fund 45

Emergency Fund Bills Cat Credit Cards 45

Prairie Eco-Thrifter

NOVEMBER 12, 2011

Money Talks Coaching: Finding Your Emergency Fund – I hear you saying “I know emergency funds are important, but how am I supposed to save money when I can’t even pay my bills?” Today I’m going to talk about getting those emergency funds going. Smart Family Finance: Is Your Budget Easy to Beat?

November 188

November 2011 Personal Finance Finance 188

Family Balance Sheet

JANUARY 21, 2015

She writes about family, finances and faith at her blog, Principles of Increase. Tell us about you and your family. We are a musical family and love plugging into our urban community through volunteering and mentoring local youth. As a family, we love cooking and spending time together. Where are you from?

Debt 100

Debt Debt Free Las Vegas Finance 100

Prairie Eco-Thrifter

OCTOBER 15, 2011

Personal Finance Whiz : What Is An Emergency Fund? One of the major components of being financially fit is to have an emergency fund. Money Reasons: Why I Got An American Express Blue Cash Card MR loves reward credit cards. Read his take on this great rewards card.

October 200

October 2011 Finance Personal Finance 200

Prairie Eco-Thrifter

MAY 26, 2016

To learn to live within your means is one of our primary family money values. Having the wherewithal to pay off any loans including credit card charges each month ups your credit rating, letting you enjoy lower rates on everything from insurance to mortgages. Saving first can help you avoid usury interest rates.

Money 124

Money Saving Money Lowes Grandchildren 124

Family Balance Sheet

SEPTEMBER 29, 2016

Tell us about you and your family. We also had four credit cards, two lines of credit, and a car loan. I knew that we had to do something different because we made a decent family income, but had nothing to show for it except for the mountain of bills that I had laid out in front of me. Where are you from?

Debt 100

Debt Debt Free Budgeting Budget 100

Prairie Eco-Thrifter

AUGUST 19, 2012

Pertinent knowledge and prior planning will help you limit the long-lasting effect financial difficulties can have on you and your family. Start an Emergency Fund One of the biggest things you can do to help avoid disasters is to create an emergency fund. I know that sounds harsh, but it is the reality.

Emergency Fund 222

Emergency Fund Insurance Debt Credit Cards 222

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 would never tell someone to cancel the gym membership if they use it, and if you do use a gym membership, find out how my husband got a FREE family gym membership.

Budgeting 133

Budgeting Budget Financial Goals Goals 133

Family Balance Sheet

FEBRUARY 3, 2016

Tell us about you and your family. We paid off $7,665 worth of credit cards, school loans and a car loan. The next goals in line would be to build up a 3 month emergency fund and save enough money to replace my car. Today’s Debt Free Story is from Charissa. Where are you from? What are your hobbies?

Debt 100

Debt Debt Free College Finds 100

Family Balance Sheet

MAY 27, 2015

Tell us about you and your family. And this is just on a mortgage, not including any credit card or student loan debt. Make sure to have an emergency fund so you’re not put back into debt when something comes up. Today’s Debt Free Story is from Olivia. Where are you from? What are your hobbies?

Debt 100

Debt Debt Free Pay Off Debt Finds 100

Family Balance Sheet

AUGUST 11, 2014

Tell us about you and your family. The debt included overdraft protection, mattress, car, and a credit card (post divorce stress spending, clothes to accommodate the yo yo diets and weight for 2 years, a trip to Disney World & I’m sure several things that I don’t remember because I was spending without a plan).

Debt Free 235

Debt Free Debt Mom Goals 235