Family Balance Sheet

MARCH 26, 2021

Life suddenly changed for most of us in March 2020 and this past year of the pandemic has reinforced how important an emergency fund is. If you’re able, maybe use some of your stimulous money to put towards building an emergency fund. It was a very scary time for us. We had enough to get us through one more month.

Emergency Fund 130

Emergency Fund Building 2007 Credit Cards 130

Family Balance Sheet

JULY 10, 2023

2 – We opened up high-interest savings accounts and earned $250 in interest. We are in what I call our “shovel season of life” Our oldest daughter leaves for college in the fall of 2024 and we have a big savings goal to hit before then. 4 – Credit Card Rewards – $241.78

Frugal 100

Frugal June Flights CD 100

Prairie Eco-Thrifter

JANUARY 1, 2013

A financial advisor told me recently that the thing that really made him upset was that nearly every new client he spoke to was making the same disastrous personal finance mistakes. We don’t intentionally make mistakes but sometimes we cannot see any way out of our current position. Minimum Payments On Credit Cards.

Emergency Fund 272

Emergency Fund Credit Cards Personal Finance Finance 272

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

Couponing 101

DECEMBER 4, 2019

If you keep your money in a high-yield savings account, you might be able to get around 2% interest. Link debit or credit cards to your Acorns account, and Acorns will round up your purchases, investing those extra pennies for you. Let us know in the comments section below! Betterment has a.25%

Making 69

Making T-Mobile Money Goals 69

Prairie Eco-Thrifter

MARCH 4, 2015

When I was a mainframe computer programmer and project manager, we used a relational database product from IBM called DB2. For example, in How to Become a Millionaire by Age 30 the author claims that: “Rich people use debt to leverage investments and grow cash flows. Rich people make debt their servant.

Debt 100

Debt Used Money IBM 100

Savings Corner

DECEMBER 27, 2023

Here are five things you can do to make your personal loan easier to manage. The worst-case scenario is that you get a loan without a clear picture of its impact on your monthly cash flow, leading you to take on more debt to make up for it. It can be psychological, says Tess Downing, a San Antonio-based financial planner.

Debt 52

Debt Refinancing San Antonio Rhode Island 52

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

Prairie Eco-Thrifter

JUNE 22, 2014

Mom used to get so frustrated with me when I ran around with less than $5 on me. You can’t always count on credit cards or checks being accepted. Keep enough cash on you to make it to safe haven! My grown son and his wife accompanied us on a day trip several years ago. Carry some cash. Know what you have.

Money 217

Money Mom Credit Cards Bank 217

Prairie Eco-Thrifter

JUNE 14, 2012

So we just give up on trying to control expenditure and saving. The simple fact is, taking small, simple spending and saving actions, especially early in your working life, can make a huge difference to financial security during your working years and into retirement. Make your mantra, ‘ Keep it Simple ’.

Simple 221

Simple Finance Budgeting Budget 221

Family Balance Sheet

AUGUST 21, 2020

You’ll know how much is in your checking and savings accounts and your retirement accounts. However, knowing your numbers will help you determine and make a plan for the messiness. There was a time our spreadsheet reflected a lot of debt and not a lot of savings. I STILL use our spreadsheet today.

Family 241

Family Debt Finance Kids and Family 241

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

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

Family Balance Sheet

JANUARY 25, 2019

Did you use cash or put your purchases on a credit card? It’s so easy to get caught up in all of the bargains that stores throw at us in November and December. A credit Christmas equals: a “how are we going to pay for this” Christmas. A credit Christmas equals: a “how are we going to pay for this” Christmas.

2019 100

2019 Club Christmas 2018 100

Prairie Eco-Thrifter

FEBRUARY 3, 2016

With so many things that we parents have to teach our children, from using the potty to being a good and decent citizen, it’s no wonder that financial lessons sometimes get pushed aside in favor of more immediate needs in raising our kids. No, we won’t put that on the credit card and pay for it later.

Work 100

Work Kids Bank Banking 100

Prairie Eco-Thrifter

JANUARY 19, 2015

Would you like to end 2015 with a bigger bank account than you currently have? Yet, too often we make excuses not to save money, or we feel like our budget is just too tight to save. There are tricks you can use to save more money even IF your budget is very tight. I know I would. But it doesn’t have to be.

Money 100

Money 2015 Emergency Fund Bills 100

Savings Corner

DECEMBER 27, 2023

To qualify you, lenders look at factors including your credit score, credit report and debt-to-income ratio. Lenders primarily use your financial and credit information to determine your rate, but may consider additional information like whether you own your home, your education level and your employer.

Debt 40

Debt Home Improvement Consumer Credit 40

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). What is Upromise

College 55

College Dining Money Used 55

Family Balance Sheet

JUNE 25, 2011

Did you pay cash or use a credit card to buy gifts? If you used a credit card, when did you pay it off? We usually use a credit card to buy our Christmas gifts and then pay the balance off in January. Here are some questions to ponder: How much did you spend last year?

Christmas 157

Christmas Credit Cards January Budgeting 157

Prairie Eco-Thrifter

MAY 26, 2016

Because we only have a week to show results, and because savings account interest rates have been near zero each year since camps started, I have routinely given the jar 50% interest. Trepidation about having the grand-kids open a savings account. Both are now old enough to open a bank savings account.

Money 124

Money Saving Money Lowes Grandchildren 124

Prairie Eco-Thrifter

NOVEMBER 25, 2012

We read that we should make our money work for us but worry about making a wrong decision that could actually cost money rather than make us money. In this article we will look at the pros and cons of saving and investing, as well as reducing debt, as a means of gaining financial security. What Is Investing?

Money 189

Money Debt Refinancing Credit Cards 189

Family Balance Sheet

FEBRUARY 11, 2016

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

Emergency Fund 100

Emergency Fund Building 2007 Credit Cards 100

The Frugal Girl

MARCH 4, 2024

Box are some of my favorite authors) and I use the library to borrow both regular books and electronic resources. Even though Alan was an IT professional by trade, his logical mind also understands what makes all kinds of mechanical things work, and he can repair just about everything I break. Yup, I’m a voracious reader.

Green And Frugal 178

Green And Frugal Kids and Family Hotel Frugal 178

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). What is Upromise

College 45

College Dining Money Used 45

Coupons Do Work

OCTOBER 3, 2016

First, activate the Bill Play game in your online account, make at least three qualifying bill payments of $50 or more within the first 90 days of game activation, and a redemption button will appear in your online account, good for a $100 NBAStore.com e-gift card. Santander Bank – $150 Bonus.

Bank 100

Bank Banking 2016 Bank of America 100

Family Balance Sheet

JANUARY 11, 2011

Does the sight of a Christmas tree make you want to hurl? Does it make you cringe to even think about Christmas? What makes me cringe is realizing how much we spent on Christmas in 2010. Since we use credit cards for almost all of our purchases, we are paying the bills now for our Christmas presents.

Christmas 138

Christmas 2011 Bills Credit Cards 138

Savings Corner

DECEMBER 24, 2023

The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-6%, which will be deducted from any loan proceeds you receive. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. There is a 0.5%

December 52

December CitiBank Puerto Rico Ranges 52

Family Balance Sheet

SEPTEMBER 25, 2019

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. In May, I made money from a yard sale and put $50 towards our Christmas savings. It was a pretty easy month to find the cash.

2019 100

2019 September Club August 100

Prairie Eco-Thrifter

JUNE 18, 2021

However, it’s important to use a critical eye when evaluating where your money is coming from and where it’s going. 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. Look at your current savings as well.

Insurance 100

Insurance Re-use Delivery Service Family 100

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

JANUARY 27, 2014

Your financial advisor can explain the risks associated with investments that you would make in your unique circumstances. Check out his review of Prosper Loans and his comparison of the best gas credit cards , as well as other quality financial advice. Are You Investing or Gambling?

Money 182

Money Goals Credit Cards Rewards 182

Saving Cents With Sense

MAY 26, 2014

The first thing you should determine when making a financial plan is your goals. Most people want to get out of debt, while others want to save for their children’s college educations or a new home. Based on this information, make a budget. Cut out unnecessary spending and use that money to build an emergency fund.

Emergency Fund 71

Emergency Fund Goals 2008 Debt 71

Saving With Shellie

JULY 2, 2012

Here are some fantastic ways to save your pennies for the next Big Trip: Vacation Savings Account. One of the best and smartest ways to save for a vacation is to open a separate savings account specifically for your vacation fund. Make a rule that you never spend coins. Saving Your Savings.

Vacation 83

Vacation Giveaway Friends And Family Sale Saving 83

Saving With Shellie

NOVEMBER 23, 2012

Right now you can get $125 in free money , simply by opening a completely free checking account. Open an ING Orange Savings Account by 11/25. Make a total of 10 purchases (either signature or PIN-based) using your Electric Orange Card. Then I used the card at Sonic for Happy Hour 10 different times.

ING Direct 58

ING Direct Emergency Fund Savings Account Credit Cards 58

Family Balance Sheet

OCTOBER 25, 2019

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. In May, I made money from a yard sale and put $50 towards our Christmas savings. It was a pretty easy month to find the cash.

2019 100

2019 October Club Christmas 100

Family Balance Sheet

OCTOBER 13, 2014

Both instances could have brought us down and we could have reached for a credit card, but thankfully, my husband and I are pretty adamant about having an emergency fund and I want you to become adamant about having one too. When an emergency happens, you use your emergency fund, instead of your credit card.

Emergency Fund 100

Emergency Fund Finance Organic Organization 100