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A Goal Without a Plan is Just a Wish

Family Balance Sheet

We paid our bills on time, never carried credit card debt from month to month, but in that moment we could not pay our bills. At my age, my parents had 20 years of kid-free living ahead of them to focus on their own career goals and to save for their retirement. My husband and I have always felt financially responsible.

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How to Build your Emergency Fund

Family Balance Sheet

Do you have enough cash to cover them or would you have to rely on high-interest credit cards or a loan from your family? According to a recent survey , over half of Americans have less than $1000 in their savings and checking accounts. What helped us through that time was the money we had saved in our emergency account.

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Introducing the 2013 Christmas Savings Club

Family Balance Sheet

Unless it's paid with cash, that is one hefty credit card bill come January. According to the Washington Post and a CreditDonkey survey , "a shopper who charges about $700 on a credit card with a 13 percent interest. January's Goal: Create your budget, divide by 11 and save your first month's goal.

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How I’m Inherently Frugal

Prairie Eco-Thrifter

Oh yeah, and I am a huge Neil Diamond fan (just had to throw that out there)! While this philosophy may not be the best boost for my social life, it is a great boost for my savings account! I don’t allow myself to have credit card debt, so I have to have the cash to back up all my purchases. Think again!

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