Penny Pinchin' Mom

DECEMBER 17, 2023

Advantages of Paying Off Debt From a purely financial point of view, it makes more sense to focus on debt payoff rather than directing available cash to a savings account. Before I took up my Financial Reboot journey, I was more focused on growing my savings accounts as opposed to paying off debt first.

Pay Off Debt 52

Pay Off Debt Debt Emergency Fund Financial Goals 52

Savings Corner

DECEMBER 24, 2023

You can get a personal loan from online lenders, banks and credit unions, and the funds are provided in a lump sum. Once you receive the cash, you must make recurring, monthly payments until the debt has been fully repaid. Once you’re approved, the lender will disburse money into your bank account.

Debt 52

Debt Credit Cards Credit College Tuition 52

Saving Cents With Sense

SEPTEMBER 20, 2013

I’ve written about Upromise by Sallie Mae before and how it is such a great way to save for college (or pay off loans) while you are doing your everyday shopping, eating out, or even pumping gas. But did you know that you can save for college when you shop online? First, make sure you sign up for Upromise.

College 85

College Shopping Stride Rite Old Navy 85

Penny Pinchin' Mom

FEBRUARY 16, 2024

I’m talking about how to earn, save, invest, and ultimately make your money work for you. Do you have a retirement plan or a healthy savings account? It’s yet another way of making sure that they (and you) are going to be financially okay in the future. You need to know what to do with money!

Money 52

Money Insurance Debt Bulk 52

For the Mommas

NOVEMBER 30, 2016

The Best Cash Back Sites to Save on Holiday Shopping. I do a lot of my shopping on-line. Before shopping at any online merchant, I check to see what cash back sites work with the merchant. Now cashback isn’t instant savings. Last year, I accumulated over $400 cash back from my holiday shopping.

Holiday 40

Holiday Shopping Credit Cards 2017 40

Prairie Eco-Thrifter

AUGUST 19, 2012

Consider it insurance and don’t fret that it’s only earning measly interest in a savings account. Credit card debt remains at an all time high; this is the first debt to attack and get under control. Limit your exposure by aggressively attacking your credit card balances, focusing on one at a time.

Emergency Fund 222

Emergency Fund Insurance Debt Credit Cards 222

The Frugal Girl

MARCH 4, 2024

We live on the side of a small mountain in a quiet, rural town, but we’re less than 20 miles from a city of about 25,000 people and its shopping and dining opportunities. I learned to save money by watching my parents. (I I still remember saving my change as a kid so I could “shop” for books at yard sales.) Made me proud!

Green And Frugal 176

Green And Frugal Kids and Family Hotel Frugal 176

For the Mommas

OCTOBER 13, 2016

The Best Cash Back Sites to Save on Holiday Shopping. I know it is not even Halloween yet, but it really is time to gear up for holiday shopping. I do a lot of my shopping on-line. Before shopping at any online merchant, I check to see what cash back sites work with the merchant. Shop at Home.

Holiday 40

Holiday Shopping Credit Cards 2017 40

Family Balance Sheet

JUNE 25, 2011

If your holiday planning went smoothly last year then you might not feel any urgency to think about Christmas 2011, but if you overspent, shopped at the last minute and paid the price well into spring then you might want to rethink this year's strategy. Did you pay cash or use a credit card to buy gifts? Hit the Restart button.

Christmas 157

Christmas Credit Cards January Budgeting 157

Saving Everyday

SEPTEMBER 15, 2012

It’s a very simple program that turns your everyday spending into a little extra savings account to help pay for your family’s college expenses or withdraw for yourself. Add your loyalty cards (Kroger, Publix, CVS, etc…) and any debit/credit cards you use (see tip below). Register HERE.

College 55

College Dining Money Used 55

Savings Corner

DECEMBER 27, 2023

Borrowers with good to excellent credit scores (690 and higher) typically get the lowest interest rates and can borrow larger amounts. They also have the most options when it comes to shopping for a loan. Those with fair to bad credit (scores below 690) may have to look a little harder and pay a higher rate for a personal loan.

Debt 40

Debt Home Improvement Consumer Credit 40

Family Balance Sheet

JANUARY 2, 2013

Another Christmas has passed by and while the memory of the Christmas shopping and spending is still lingering in my head, I've come up with a plan for all of us to start saving for 2013. Unless it's paid with cash, that is one hefty credit card bill come January. The total interest paid will. be nearly $200.".

2013 113

2013 Christmas Club January 113

Saving Everyday

DECEMBER 24, 2011

It’s a very simple program that turns your everyday spending into a little extra savings account to help pay for your family’s college expenses or withdraw for yourself. Add your loyalty cards (Kroger, Publix, CVS, etc…) and any debit/credit cards you use (see tip below). Register HERE.

College 45

College Dining Money Used 45

For the Mommas

JULY 13, 2016

One of the biggest mistakes that many people make is not having a budget. Then make a plan for how you can most efficiently use your income to cover all of your expenses. Only having a checking account. Another common mistake that people make is not having some type of savings account or rainy day fund.

Money 40

Money Credit Cards Bills Budgeting 40

For the Mommas

JULY 13, 2016

One of the biggest mistakes that many people make is not having a budget. Then make a plan for how you can most efficiently use your income to cover all of your expenses. Only having a checking account. Another common mistake that people make is not having some type of savings account or rainy day fund.

Money 40

Money Credit Cards Bills Budgeting 40

Prairie Eco-Thrifter

JUNE 18, 2021

Look at the last six months of your credit card statements along with your bank statements to review what cuts to make to reduce expenses. For instance, if you regularly order takeout or splurge on delivery services, you will want to create a grocery shopping plan for more home-cooked meals.

Insurance 100

Insurance Re-use Delivery Service Family 100

Family Balance Sheet

SEPTEMBER 25, 2019

This is money I earned from my Christmas shopping last year, so it’s appropriate that I apply it to my Christmas savings. I had amassed $70 and thought it was a perfect addition to our Christmas account. In April, we received a small tax refund and I put $100 of our refund into our Christmas Savings account.

2019 100

2019 September Club August 100

Family Balance Sheet

OCTOBER 25, 2019

This is money I earned from my Christmas shopping last year, so it’s appropriate that I apply it to my Christmas savings. I had amassed $70 and thought it was a perfect addition to our Christmas account. In April, we received a small tax refund and I put $100 of our refund into our Christmas Savings account.

2019 100

2019 October Club Christmas 100

Prairie Eco-Thrifter

JANUARY 30, 2013

Know where these items are, and make sure other family members know as well. 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. Broken water and gas mains can make an already difficult situation intolerable — and even more dangerous.

Emergency Fund 211

Emergency Fund Job Loss Transportation Staying Warm 211

For the Mommas

JULY 27, 2016

Set up a high-interest savings account and be methodical about regularly contributing. Learning to make sacrifices early on and creating long-term saving habits can make a big difference on how long you are able to stay home with your new baby. Sign up for New Parent Offers. Eliminate debt.

Baby 40

Baby Debt Credit Cards Phone Service 40

Saving Everyday

FEBRUARY 5, 2011

It is a program that turns your everyday spending into a little extra savings account to pay for your kid’s college, your student load or withdraw for yourself : Register HERE – It’s FREE! Add your loyalty cards (Kroger, Publix, CVS, etc…) and any debit/credit cards you use (see tip below).

College 68

College Money Credit Cards Kids and Family 68

Saving Everyday

NOVEMBER 2, 2011

It is a program that turns your everyday spending into a little extra savings account to pay for your kid’s college, your student load or withdraw for yourself : Register HERE – It’s FREE! Add your loyalty cards (Kroger, Publix, CVS, etc…) and any debit/credit cards you use (see tip below).

College 59

College November Money Credit Cards 59

Saving Everyday

JULY 6, 2011

It is a program that turns your everyday spending into a little extra savings account to pay for your kid’s college, your student load or withdraw for yourself : Register HERE – It’s FREE! Add your loyalty cards (Kroger, Publix, CVS, etc…) and any debit/credit cards you use (see tip below).

College 45

College Money Credit Cards Kids and Family 45

Family Balance Sheet

JANUARY 20, 2017

medical bills, a small credit card, both of our cars, and student loans. We tackled our small credit card balance, then our. When my husband and I got married, we were making hardly any money. we still weren’t making enough money to cover all of our monthly bills. So together we decided to make a very.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Prairie Eco-Thrifter

MARCH 4, 2015

Poor people use debt to buy things that make rich people richer.” Rich people make debt their servant. If you decide to take on debt, shop around for the best rate, including any fees that come along with it. It depends on how the debt is managed. You will be feeding it instead. Not really.

Debt 100

Debt Used Money IBM 100

Family Balance Sheet

MARCH 4, 2016

No more shopping, no more random Target trips, no more Home Depot weekends, and no more cable television. I made some business cards and had Andrea drive me door-to-door until I had enough people tell me “Yes”. Need Ideas for Making Extra Money? Our goal was simple: Pay Off Our Debt and Never Go Back Again.

Debt 100

Debt Finds Debt Free Television 100