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. Now, all of a sudden, we had enough money that we could try nicer restaurants. However, this isn’t always the case. We make plenty!”

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. They compared their cash months to the months that they used credit cards and were blown away by the results.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Family Balance Sheet

SEPTEMBER 29, 2016

We also had four credit cards, two lines of credit, and a car loan. We kept the initial celebration pretty low-key and just went out for dinner to our favorite sushi restaurant. We are currently working towards fully funding our emergency fund. We owed money to just about everybody.

Debt 100

Debt Debt Free Budgeting Budget 100

Prairie Eco-Thrifter

SEPTEMBER 25, 2014

I’ve gotten into the habit of logging on to my bank account and credit card accounts when I first wake up and open the computer. Knowing what your balances are (ie, how much you have in your account or owe on your credit card) is key to intuitively knowing when you may need to be a bit more frugal.

Making 192

Making Emergency Fund Saving Debt 192

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. Some items are fixed and are recurring each month, but other things are variable (change month to month) such as groceries, heating/cooling, clothing, restaurants. Total your expenses.

Budgeting 133

Budgeting Budget Financial Goals Goals 133

Family Balance Sheet

MAY 27, 2015

And this is just on a mortgage, not including any credit card or student loan debt. It’s now hard to spend full price at a restaurant when we rarely ever have. Make sure to have an emergency fund so you’re not put back into debt when something comes up. We still use coupons 75% of the time we dine out.

Debt 100

Debt Debt Free Pay Off Debt Finds 100