Family Balance Sheet

MARCH 9, 2018

I’ve been working behind the scenes on a tool that I personally use to track and organize our finances: Family Budget Spreadsheets. One January, we received a very large credit card bill in the mail. Financial Goals – Use this spreadsheet to quantify your financial goals for the current year and years to come.

Budgeting 160

Budgeting Budget Family Property Taxes 160

Family Balance Sheet

APRIL 1, 2015

It was all consumer debt spread over 5 credit cards. It was many years of over spending and not having a plan for our money that led us to that point. We used the debt snowball technique to help build momentum. We cut up our credit cards and never used them again. What are your financial goals now?

Debt 100

Debt Credit Cards Debt Free Credit 100

Penny Pinchin' Mom

MARCH 11, 2024

We know that saving for a rainy day isn’t just a phrase our grandparents used to throw around. 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.

Saving Money 52

Saving Money Money Saving Credit Cards 52

Family Balance Sheet

SEPTEMBER 17, 2021

In fact, it was one of my 2020 financial goals. Our Family Vital Info Binder contains all of our important-to-us info in one place and since I am the family office manager, my husband can use the binder to find anything he needs if I’m unavailable. Credit cards. IT WAS TIME WELL SPENT! Bank accounts.

Family 130

Family Financial Goals 2020 Insurance 130

Family Balance Sheet

APRIL 19, 2016

It was a mix of college loans, a personal loan from my parents (for college), an overdraft account, and credit card debt. I sold old stuff I no longer used/wanted. No longer was I able to participate the way I used to so that caused a lot of stress. What are your financial goals now? I paid off $23,605.10

Credit Cards 100

Credit Cards Debt Free College Debt 100

Savings Corner

DECEMBER 24, 2023

Portions of this article were drafted using an in-house natural language generation platform. Working to improve your credit score and reduce your debt-to-income ratio before applying can help get you the best loan terms. A personal loan is money borrowed from a lender that can be used for nearly any purpose.

Debt 52

Debt Credit Cards Credit College Tuition 52

Prairie Eco-Thrifter

APRIL 13, 2011

Are you surprised when your credit card bill arrives at how much more you charged than you thought you had? Do you have items in your house that you never use? We need to work together to set some financial goals and a budget for you so that you can resist spending money on items that really don’t matter in the long run.

Financial Goals 174

Financial Goals College Tuition Goals Credit Cards 174

Prairie Eco-Thrifter

MARCH 24, 2013

The other is to find out what your ‘money personality’ is by rating your money use, acquisition and management tenancies as one of three states: Acquisition: Avoidant Secure Insatiable. Use: Miser Secure Compulsive overspender. He pays off his credit card BEFORE the statement comes! Set your financial goals.

Financial Goals 222

Financial Goals Goals Money Real Estate 222

Family Balance Sheet

FEBRUARY 23, 2015

Our main financial goal in 2015 is to pay down our non-mortgage debt. We use a Discover credit card to pay for monthly expenses at our business. It is very un-Dave Ramsey-like but it works for us. We earn reward points from our Discover card and you can buy gift cards with the points.

Debt 100

Debt January Money Financial Goals 100

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.) From start to finish it took us a very long time — I would guess 10 years. We just wanted to pay off our credit cards, which seemed like a huge task since we’d struggled with it for years.

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Family Balance Sheet

AUGUST 21, 2020

My Excel spreadsheet listed our short-term and long-term account balances, our debts, and our short-term and long-term financial goals. I STILL use our spreadsheet today. You could also use a recent appraisal. Net worth is used often in regards to wealthy families, but honestly, it’s a formula everyone should embrace.

Family 241

Family Debt Finance Kids and Family 241

Prairie Eco-Thrifter

DECEMBER 7, 2014

Credit is a tool in personal finance. Used properly, it can help you build your dream home and reach your financial goals. Used irresponsibly, and like any tool, it can smash your fingers something fierce. The biggest risk to remember is that peer loans are not a solution to bad spending habits.

Debt 188

Debt Personal Finance Finance Credit 188

Family Balance Sheet

JULY 10, 2023

My goal has always been to live well on less while achieving our big financial goals. I locked in the CD at my local credit union where it will earn 4.75% during that time frame. My plan is to use this cash first as it will come to term around the same time we will need to make the first college payment.

Frugal 100

Frugal June Flights CD 100

Family Balance Sheet

NOVEMBER 4, 2016

It’s Frugal Friday: A recap of how we frugal-ed our way through the week so that we have more money to put towards our financial goals. The tween years are upon us, so any advice to help us navigate the waters are much appreciated. They were yummy and a great way to use up leftover chicken. Unintended savings.

Frugal 100

Frugal Fridays Ebates Credit Cards 100

Prairie Eco-Thrifter

APRIL 10, 2014

I used to live in Weehawken, New Jersey, a twenty minute commute from midtown Manhattan. 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. The same is true of any challenge. Get Organized'

Price 209

Price Rent Financial Goals Converse 209

Family Balance Sheet

FEBRUARY 4, 2015

We also continued using debit and credit cards (paid in full multiple times per month) for the convenience of tracking our expenses online. We have never carried credit card debt during our marriage, so we felt comfortable that it wouldn’t be a temptation. What are your financial goals now?

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Family Balance Sheet

APRIL 9, 2021

Stressed out, we ventured into Dave Ramsey’s online Financial Peace University home course for help. Prior to FPU, we thought we were doing well financially and never considered that we had too much debt. We agreed that credit card debt wasn’t very smart, but a car loan? We used Dave Ramsey’s debt snowball method. |

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Prairie Eco-Thrifter

JULY 31, 2014

Surviving a negative experience and enduring through or perhaps even overcoming it shows us that we are made of more than we ever dreamed, that we can do and be more than we thought. But how can you learn to use those negative experiences, and teach your children to do so as well to benefit your financial health? Free money!

Debt 167

Debt College Student Money 167

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. Knowing our bank account was empty, I was hoping that one of our maxed out credit cards would have enough room to get him $20 bucks worth of gas to get him to work the next day.

Debt 100

Debt Debt Free Bath and Body Works Gas 100

Prairie Eco-Thrifter

FEBRUARY 5, 2013

Use the resulting profile as a basis for discussion of what parts to keep in your couple money personality and which to leave behind. Secrets such as one partner getting a new credit card, not letting their spouse know about it and running up the balance cause marital discord and individual agony. Find Your Money Personality.

Money 269

Money Giveaway Goals Debt 269

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. We realized that we wanted to travel as a family and the only thing keeping us from seeing the world was money. We sold extra items that we weren’t using through Craigslist and garage sales.

Debt 245

Debt Debt Free Finance Friends And Family Sale 245

Prairie Eco-Thrifter

MARCH 8, 2017

Use good stock. 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. Prune for growth.

Finance 133

Finance Growing Flowers and Plants Gardening 133

Prairie Eco-Thrifter

JULY 4, 2011

They are also there working with you to help you reach your goals; even those financial goals. Many of us have just celebrated Canada Day or Independance Day; a holiday where we celebrate our freedoms. Philip Taylor from PT Money Personal Finance presents The Best Gas Rewards Credit Cards–June 2011.

Personal Finance 240

Personal Finance Finance Family Debt 240

Family Balance Sheet

JULY 22, 2015

It consisted of student loans, a car loan and even some credit card debt. After putting together a budget, it took us 18 months to pay off all of that debt! I cancelled my gym membership because I rarely used it. We combined our auto insurance policies since we had just got married which saved us a good chunk of money.

Debt 100

Debt Debt Free Finance Finds 100

Family Balance Sheet

JUNE 16, 2015

We paid off $36,000 in student loans, credit cards, cars and a bit of medical debt. It took us about 2 years to do it. There were several things that led to us finally deciding we had enough. I ended up spending the remainder of my pregnancy using a cane. What are your financial goals now?

Debt 100

Debt Debt Free Finds Goals 100

Penny Pinchin' Mom

MARCH 11, 2024

The post 7 Clever Ways Moms Used to Save Money appeared first on Penny Pinchin' Mom. There are so many clever ways moms used to save money that our tips and tricks today pale in comparison to what they could achieve, considering how little they had to go on. Imagine keeping the family afloat during periods of strife, such as WWII.

Saving Money 52

Saving Money Money Mom Used 52

Family Balance Sheet

JULY 2, 2015

However, with my husband being an architect and an overall really handy guy, we decided that fixing up the house and selling it could give us enough profit to at least pay off a big chunk of our debt. It took us two years of my husband working full-time at his job and then using every other second to work on the house.

Student 100

Student Debt Debt Free Finds 100

Savings Corner

DECEMBER 24, 2023

Get started: Define your personal and financial goals. Would renting for another year or two improve your financial standing? Check your credit score Your credit score will help you determine your financing options; lenders use it (among other factors) to set the terms and rates of your loan.

Real Estate 52

Real Estate Buy Buying Credit 52

Family Balance Sheet

JANUARY 20, 2017

It took us four years, but we paid off over $80,000 of debt! medical bills, a small credit card, both of our cars, and student loans. burden for us at first were the medical bills. out and it gave us the momentum we needed to focus on all of our other. We tackled our small credit card balance, then our.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Savings Corner

APRIL 4, 2024

Cash-out refinance Caret Down When you do a cash-out refinance , you use your home equity to withdraw cash to spend. This increases your mortgage debt but gives you money that you can invest or use to fund a goal, like a home improvement project. A single inquiry can shave up to five points off your score.

Refinancing 52

Refinancing Work Debt Financial Goals 52

Family Balance Sheet

MARCH 4, 2015

in credit card debt, and an additional $28,756.17 In fact, I used the best strategies I read about and developed a plan of action that best suited my particular situation. I explored this by reading some of the best financial books out there that tackle the psychological issues in which people use money in unhealthy ways.

Debt 100

Debt Credit Cards Debt Free Student 100

Family Balance Sheet

JANUARY 21, 2015

We paid down mostly student loans, vehicles and business credit card debt ( we already own a home outright ). It took use about 10 years because we didn’t get serious until the 11th hour. Kelvin came along (using airline points) and we lived it up in Vegas for 6 days and drove over to LA to see friends for a day.

Debt 100

Debt Debt Free Las Vegas Finance 100

Family Balance Sheet

SEPTEMBER 29, 2016

We also had four credit cards, two lines of credit, and a car loan. We used (and currently still follow) Dave Ramsey’s Baby Steps. What are your financial goals now? We owed money to just about everybody. At that point I knew something had to change.

Debt 100

Debt Debt Free Budgeting Budget 100

Family Balance Sheet

AUGUST 5, 2015

10K in car payments, $35K in credit card debt. We saved any that we could from my husbands checks, we sold things from around the house on craigslist and ultimately we started taking everything we earned from our photography business which was a normal part of income for us and used it all on debt. 130K in mortgage debt.

Debt 100

Debt Debt Free Finds Finance 100

Prairie Eco-Thrifter

MAY 10, 2012

” Jason presents Why We Didn’t Sell Our Car on Craigslist posted at Work Save Live , saying, “Last week I detailed why we considered buying a car through CarMax, and I wanted to do a follow-up on a service of theirs that we actually used. posted at The Financial Blogger , saying, “The online income for May.

Money 113

Money May 2012 Debt 113

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. Personally, budgeting has allowed us to control of our money, reach financial goals, and start planning for our dream life. We have been using this system ever since.

Budgeting 133

Budgeting Budget Financial Goals Goals 133

Prairie Eco-Thrifter

NOVEMBER 12, 2011

He discusses income beneficiaries, remainder beneficiaries and provides and example of the use of a dynasty trust. Funancials: Lesser Known Credit Card Perks – Most people are aware of the advantages to using a credit card. The College Investor: Top Five College Myths – Dispelled!

November 188

November 2011 Personal Finance Finance 188