Family Balance Sheet

APRIL 9, 2021

We didn’t carry over credit card balances, we paid off our car notes early, and the interest rate on the student loan was at a low 2.75%. We agreed that credit card debt wasn’t very smart, but a car loan? A student loan? At times the plan felt intimidating, but it also changed the direction of our finances.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Family Balance Sheet

JULY 2, 2015

All of our debt was $97,000 in student loan debt. We rarely use a credit card and if we do, we pay it off right away. This may seem like a strange answer to put in this section, but we believe in helping others when they are struggling and putting our finances towards caring for our community and others around the world.

Student 100

Student Debt Debt Free Finds 100

Prairie Eco-Thrifter

MAY 25, 2014

When I’d do things like take out student loans even though I had a full-tuition scholarship and a sweet part-time job in the university cafeteria. Or put yet another trip to Las Vegas on the credit card. My rewards credit cards were feeble, and I didn’t have a plan for using them. Money Tips'

Money 209

Money Giving Las Vegas Credit Card Rewards 209

Prairie Eco-Thrifter

DECEMBER 7, 2014

Credit is a tool in personal finance. Using a peer loan to pay off high-interest credit cards does not mean you can run out shopping and max out your cards again. One of the reasons why peer lending has been so popular for debt consolidation is for the way the loan is reported on your credit report.

Debt 188

Debt Personal Finance Finance Credit 188

Family Balance Sheet

FEBRUARY 2, 2011

Look at your mortgage, your credit cards and your student loans. I did this exercise and realized 36% of the monthly payment we pay to my husband's student loan every month goes to interest. Have you ever broken down your debt payments to see how much goes to your principal and how much goes to interest? THAT SUCKS!

Debt 127

Debt Student Credit Cards Finance 127

Prairie Eco-Thrifter

AUGUST 2, 2011

Not many – but by planning ahead now you might find ways to lessen the expenses you will face next month and use the annual experience as a teachable moment in your child’s personal finance education. Check with your local college for students who are majoring in the subject your child needs help with. using tax free days.

College 192

College Money Personal Finance Student 192

Prairie Eco-Thrifter

JANUARY 8, 2013

I learnt many of them from personal experience when I realized that I had to do something about my credit card debt that was spiraling out of control. I was spending more than I earned, using my several credit cards to buy just about everything and paying off one balance so I had enough credit to pay another.

Debt 271

Debt Win Credit Cards Money 271

Penny Pinchin' Mom

DECEMBER 17, 2023

You are one emergency short of losing track of your finances. This is why you should pay off your high-interest debts like credit cards first. The best way to get out of existing debt when your credit card balances are high is to stop charging them and live within your limits as you pay them down. What gives?

Pay Off Debt 52

Pay Off Debt Debt Emergency Fund Financial Goals 52

The Frugal Girl

FEBRUARY 18, 2024

After I became a mother, finances became much more complicated. The first few years after graduating, I racked up a large credit card debt and bought a new SUV that cost approximately the same as my annual salary. I live in a fairly transient town with lots of college students. It’s unbelievable what they leave behind!

Kids and Family 182

Kids and Family Home and Garden Money Frugal 182

Prairie Eco-Thrifter

FEBRUARY 3, 2016

While my spouse and I were in the throes of child rearing we didn’t think much about providing an intentional or structured set of lessons around personal finance. No, we won’t put that on the credit card and pay for it later. College students are usually not mature enough to handle a windfall.

Work 100

Work Kids Bank Banking 100

Family Balance Sheet

NOVEMBER 19, 2014

The debt included about $30,000 in student loans, some medical debt, IRS debt, and a small amount on a credit card. Finances have definitely been the biggest strain in our 11 years of marriage. Who handles the day-to-day finances in your home or do you work on it equally? Daniel does all the day-to-day finances.

Debt 245

Debt Debt Free Finance Friends And Family Sale 245

Prairie Eco-Thrifter

JULY 18, 2013

Take a peak and see what I read this week: Good Reads From The Blogosphere: Have you ever wondered How Secured Credit Cards Help You Repair Your Credit ? If so, don’t miss Ryan’s post about how they can be an option for repairing bad credit at The Better Credit Blog.

Debt 199

Debt Fridays Personal Finance Goals 199

Prairie Eco-Thrifter

APRIL 10, 2014

She: I have to stay in Manhattan, all of my students/ tutoring clients are on the upper east/upper west side, it would just be too far to commute. When you overspend for convenience, you sink into debt, stuck with high interest credit card payments and risk of damaging your credit when you fall behind on your bills.

Price 209

Price Rent Financial Goals Converse 209

Family Balance Sheet

SEPTEMBER 9, 2014

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. How often do you and your spouse discuss your finances/budget/spending?

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

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? A student loan? But Dave Ramsey’s view of debt is very different.

Debt 100

Debt Money Emergency Fund Goals 100

Family Balance Sheet

MAY 6, 2020

For many households, their finances and budgets are in limbo. My family’s finances have also been affected. I am totally paraphrasing the year, but had it not been for the money in our emergency savings, we would most likely have used credit cards to survive. Everything changed. What got us through financially?

Debt 130

Debt Emergency Fund 2007 2020 130

Savings Corner

APRIL 4, 2024

Your cost to borrow could be lower: Cash-out refinances often have lower rates than home equity loans , personal loans and credit cards. You can improve your credit: If you use your equity to consolidate debt, your credit utilization could drop. This can be a boon for your credit score.

Refinancing 52

Refinancing Work Debt Home Improvement 52

Savings Corner

DECEMBER 27, 2023

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. Read our review of the BankAmericard® credit card. But most people can’t go wrong with these award-winners.

Credit Cards 52

Credit Cards Credit December Airline 52

Savings Corner

APRIL 4, 2024

While the forecast doesn’t call for massive savings — for HE loans, anyway — any reduction in borrowing costs saves prospective borrowers some cash, and encourages them to turn to this financing tool. First, you need to have a real commitment to not build those credit card balances up again. to 10 percent. to 10 percent.

Home 52

Home Debt Credit Cards Credit 52

For the Mommas

JULY 23, 2012

Even prior to college, schools are requiring students to have all sorts of supplies. Credit Sesame wants to help you ease the ‘Back to School” stress. Don’t worry about raking up those credit card bills, or putting a dent in your savings. Credit Sesame will help you manage your finances, and unlock your credit potential.

Credit 61

Credit Win Credit Cards Finance 61

Prairie Eco-Thrifter

MAY 4, 2011

The same kind of over thinking tends to infect financial advice, as well, especially when it’s doled out to college students who are desperate to come up with ways to make a few extra bucks between studying for exams and balancing their social lives. First things first: Be smart about credit. All it takes is some common sense.

College 169

College Graduation Credit Cards Re-use 169

Prairie Eco-Thrifter

JULY 31, 2014

When you were a college student, you may have learned a painful lesson about credit. Credit card offerings to college students used to be ubiquitous. Don’t bail your college student out of credit card debt. Free money! Party time! Don’t help your kid keep his allowance safe.

Debt 167

Debt College Student Money 167

Family Balance Sheet

FEBRUARY 2, 2017

I interviewed several personal finance bloggers that have conquered their past financial goals and continue to challenge themselves going forward. Maureen eliminated $79,000 of credit card and student loan debt less than 3 years. Jessi and her husband paid off her student loans. Make it visual.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Nicoles Nickels

JULY 25, 2012

Even prior to college, students are required to have all sorts of supplies, and that can put a strain on your wallet. Credit Sesame wants to help you ease the Back to School financial strain. Don’t worry about raking up those credit card bills, or putting a dent in your savings.

Win 45

Win Finance Personal Finance Debt 45

Prairie Eco-Thrifter

APRIL 6, 2012

Wayne presents Purpose of Budgeting posted at Young Family Finance , saying, “Are you left wondering why you should budget? Justin presents Know the Common Mistakes with Your Personal Finances posted at Budget Snob , saying, “Many people make the same financial mistakes. The Skilled Investor , Editor.

Money 133

Money Finance Personal Finance Real Estate 133

Prairie Eco-Thrifter

APRIL 13, 2014

Agree on the values and expectations you want your children to have in the area of personal finance and consistently teach and enforce those between the two of you (and clue in any significant others in your family such as aunts, uncles, grandparents and etc). Derailing them with sudden windfalls.

Kids 219

Kids Money Parenting Kids and Family 219

Family Balance Sheet

JULY 22, 2015

I have a passion to help people take control of their finances so that they can live the life they want to have. It consisted of student loans, a car loan and even some credit card debt. When we got married, we combined our finances and realized how much debt we actually had. How much debt did you pay off?

Debt 100

Debt Debt Free Finance Finds 100

Prairie Eco-Thrifter

APRIL 11, 2011

Guest Post Author Bio: Broke Professionals is a personal finance blog aimed at the over-educated and underpaid. Join the husband/wife blogging team of Broke Professionals as they attempt to dig themselves out of a combined six figures in student loan debt. My dad has worked for nearly 40 years as a School Custodian. Neither do you.

Work 133

Work Debt Credit Cards Finance 133

Saving Everyday

JULY 30, 2012

Even prior to college, schools are requiring students to have all sorts of supplies. Credit Sesame wants to help you ease the ‘Back to School” stress. Don’t worry about raking up those credit card bills, or putting a dent in your savings. Credit Sesame will help you manage your finances, and unlock your credit potential.

Credit 40

Credit Win Credit Cards Finance 40

Family Balance Sheet

FEBRUARY 4, 2015

As many students do these days, we had tens of thousands of dollars of debt by the time we graduated with our Masters degrees. We bought into the myth that student loan debt is “good debt” and that it was better to “invest” in buying a home instead. How long did it take you?

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

For the Mommas

JULY 28, 2012

Even prior to college, schools are requiring students to have all sorts of supplies. Credit Sesame wants to help you ease the ‘Back to School” stress. Don’t worry about raking up those credit card bills, or putting a dent in your savings. Credit Sesame will help you manage your finances, and unlock your credit potential.

Credit 40

Credit Win Credit Cards Finance 40

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. So we re-jiggered our finances so that we only spend on things that we really enjoy, and that are really important to us. However, this isn’t always the case.

San Francisco 248

San Francisco Emergency Fund Money Utah 248

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.

Budgeting 55

Budgeting Budget Personal Finance Software 55

Penny Pinchin' Mom

MARCH 11, 2024

While I may talk a lot about savings and being prudent with your money, a huge part of decluttering your finances is knowing exactly where you stand with the major credit bureaus. Being credit-worthy is almost as important as being frugal. To get one at good rates, you need a good credit score. It all ties in together.

Credit 52

Credit Identity Theft Monitors Finance 52

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? Read away my friends.

Credit Cards 220

Credit Cards Credit Finance Personal Finance 220

Prairie Eco-Thrifter

MAY 26, 2016

Each year I bring them together in my Grandma Rie’s Money Camp and focus on different aspects of personal finance, with saving being a focus in each camp. Using a student loan to get educated or re-educated in a new (presumably higher paying) field could also be a sure thing. As part of that, we have explored compound interest.

Money 124

Money Saving Money Lowes Grandchildren 124

Family Balance Sheet

SEPTEMBER 20, 2016

It started with $40,000 in consumer debt (vehicles, credit cards, small student loan) and then sold our home and eliminated the $140,000 of mortgage debt. So I finally got to the third gas station and inserted my Discover card, hoping it would accept it. How much debt did you pay off? What kind of debt was it?

Debt 100

Debt Debt Free Bath and Body Works Gas 100