Family Balance Sheet

AUGUST 6, 2022

We’ve seen higher grocery and fuel bills lately, so we’re upping our frugal game to help the budget. Our financial goals are still important to us and we want to hit them regardless of the rising prices. I use the pesto as a sauce for hot pasta or pasta salad, pizza topping, and spread it over grilled chicken or fish.

July 130

July Frugal Credit Cards Donation 130

For the Mommas

JANUARY 20, 2016

Credit Card Rules You Should Live By. Ah, the credit card. That magical card of freedom. You may have gotten your first card in college, before you had any salary at all but just in time for that upcoming spring break trip: clothes, gas money, hotel…and then, one month later… BOOM! Just say no.

Credit Cards 40

Credit Cards Credit Debt Equal 40

Family Balance Sheet

NOVEMBER 2, 2022

The season of family, faith, food, and…shopping… collective sigh… The spending part of Christmas can get crazy, so I’ve come up with a list of ideas to find some extra cash for your Christmas spending if you’re coming up short. Our goal is to NOT put our Christmas purchases on a credit card.

Christmas 130

Christmas Finds Friends And Family Sale Donation 130

Savings Corner

DECEMBER 25, 2023

If you don’t have a credit history, it’s hard to get a loan, a credit card or even an apartment. But how are you supposed to show a history of responsible repayment if no one will give you credit in the first place? There are also ways to use rent, phone and utility payments to build credit.

Building 52

Building Credit Credit Cards Taxes 52

Prairie Eco-Thrifter

FEBRUARY 2, 2014

In addition, you’re left with the burden of proving you are really you and that you didn’t charge up thousands of dollars. In addition to stealing credit card numbers , Target now admits that thieves were able to also get people’s names, mailing addresses, e-mail addresses, and phone numbers. Use cash only?

Identity Theft 228

Identity Theft Credit Freezers Credit Cards 228

Savings Corner

DECEMBER 25, 2023

With a cash-out refinance , you’re getting a new loan that’s for more than you owe on your current mortgage. Many people use the cash from a cash-out refinance to fund large-scale home improvements, education expenses or debt consolidation. The lender uses your home’s value to set the HELOC limit. Time-consuming.

Refinancing 52

Refinancing Debt Credit Cards College Tuition 52

Family Balance Sheet

OCTOBER 15, 2021

I don’t recall why I never used the account, but I guess it just slipped my mind. We’re currently in the “shovel all extra funds into their college savings accounts season of life. Use a Upromise Mastercard. You can apply for the card through your Upromise account. Instead, it is my honest review.

College 130

College Used 2020 Saving 130

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

Savings Corner

DECEMBER 25, 2023

How a HELOC works A HELOC works similarly to a credit card: you’re able to borrow up to a certain limit as needed, rather than taking out a lump sum all at once. Unlike a credit card, however, you shouldn’t use a HELOC to pay for everyday expenses.

Credit Cards 52

Credit Cards Credit Re-use Home 52

Family Balance Sheet

MARCH 23, 2020

I could use some free ideas to do during the quarantine and to keep boredom at bay. No credit card is required. Your credit card will be charged at the end of the trial. A credit card is required, so a fter the free trial, the monthly fee is only $8.99 Are you a member of Amazon Prime? Any device.

Credit Cards 162

Credit Cards Zoo Museum Education 162

Couponing 101

MAY 14, 2019

Read on to learn all about My Best Buy, My Best Buy credit cards, sales, price match, open-box deals, and trade-ins. If you’re ordering online, call Best Buy to adjust the price. If you’re buying in person, ask for the price match at checkout. Consider a My Best Buy Credit Card.

Saving Money 74

Saving Money Money Buy Buying 74

Saving Everyday

DECEMBER 17, 2012

I hate strongly dislike debit/credit cards. I used to dread Tuesday mornings, which was when our bank would update from the previous Friday and a slew of debits he didn’t write down (or tell me about) would hit the account…yikes! My simple solution was to just nix the cards and use cash.

Credit Cards 45

Credit Cards Credit Frugal Vacation 45

Penny Pinchin' Mom

JANUARY 16, 2024

Pay Attention to Interest Rates Did you know that 82% of all Americans have a credit card, and 61% of them have credit card debt? Again, you’re not alone with this problem. Credit cards can be a lifesaver, especially when you need a small personal loan. Find yours and use it to make extra cash.

Personal Finance 52

Personal Finance Finance Tips Finance Mom 52

Savings Corner

DECEMBER 27, 2023

MORE ABOUT THE CARDS FEATURED ON THIS PAGE Use the buttons at the top of the page to see cards in different categories. 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.

Credit Cards 52

Credit Cards Credit December Airline 52

Prairie Eco-Thrifter

MAY 25, 2014

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. If I could go back to myself 7 or 8 years ago, I’d say, “Hey, you’re doing pretty well, and you’re not being stupid with your money.

Money 209

Money Giving Las Vegas Credit Card Rewards 209

Prairie Eco-Thrifter

NOVEMBER 26, 2013

We’re just a few short weeks from the Christmas panic. People who wait this long usually aren’t shopping for the perfect gift; instead, they’re just looking to give ANY gift so the people in their lives will know that they care. Use the Internet. If you are going to shop online, try to use a credit card.

Christmas 203

Christmas Shopping Gift Cards Credit Cards 203

Family Balance Sheet

NOVEMBER 26, 2014

Our goal is to NOT put our Christmas purchases on a credit card. January will be one giant nightmare when the credit card bills start rolling in. I use this spreadsheet. We paid for many of our Christmas purchases on a credit card and then hustled in January 2013 to pay it off. Consider tutoring.

Christmas 235

Christmas Finds Part Time Thrift Stores 235

Savings Corner

DECEMBER 27, 2023

If you’re not sure what kind of business you want to run, use these lists to get the wheels turning: A strong business plan can help you prepare for every aspect of your business. Choose a business structure The legal structure of your business can affect everything from your taxes to what you’re liable for.

Finance 52

Finance Taxes Insurance Software 52

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? Currently, we’re working on steps 6, 7, and 8 simultaneously. We thought we were doing really well.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Couponing 101

JANUARY 22, 2019

You can use it to answer phone calls and texts, check email, track fitness activity, measure your heart rate, and so much more. There is a built-in SOS feature so that you can discretely call for help if you’re ever in a dangerous situation. Additional bands like the steel mesh are also $10 off right now.

Watches 64

Watches Credit Cards Phones Activism 64

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. ” If they’re paying cash, life is good. A credit Christmas equals: a “how are we going to pay for this” Christmas.

2019 100

2019 Club Christmas 2018 100

Prairie Eco-Thrifter

MAY 27, 2012

10 Reasons Why You’re Broke If you always seem to have more month than cash, then it’s time to look at why. See if you can identify with any of these statements: I spend more than I earn I don’t have a household budget I use credit cards all the time to buy everyday essentials like food, gas, transport.

Emergency Fund 212

Emergency Fund Credit Cards Budgeting Budget 212

Family Balance Sheet

JULY 10, 2023

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. We have already used one of the credits for my daughter’s flight to the Midwest later this summer.

Frugal 100

Frugal June Flights CD 100

Savings Corner

FEBRUARY 2, 2024

FULL LIST OF EDITORIAL PICKS: BEST AIRLINE CREDIT CARDS Before applying, confirm details on the issuer’s website. And the perks are outstanding for a basic airline card — a free checked bag, priority boarding, lounge passes and more. Like the airline, though, the card is no-frills. Read our review. Read our review.

Airline 52

Airline Credit Cards Credit February 52

Saving Everyday

OCTOBER 3, 2023

In this article, we’re sharing our top tips to help you save money when traveling without sacrificing a thing! They’re quality time spent together without the distractions of household responsibilities, work, school, and everything else life throws at us. Growing up, we didn’t have much.

Saving Money 52

Saving Money Money Travel Hotel 52

Prairie Eco-Thrifter

FEBRUARY 28, 2013

There were as always great reads out this week which I have highlighted below: Good Reads From The Blogosphere: If you’re looking to save some money, consider the DIY approach. Lance was an unfortunate victim of credit card fraud. Read what to do if you’re stuck in the same situation over at Money, Life and More.

Fridays 170

Fridays Student Debt Credit Cards 170

Prairie Eco-Thrifter

FEBRUARY 1, 2011

Don’t disclose your credit card number to an online vendor unless it is encrypted and the site is secure. Don’t ever write your Social Insurance Number or telephone number on cheques or credit card receipts. Use this same principle if you ever have to send your computer away to get repaired.

Identity Theft 150

Identity Theft Credit Cards Hard Drives 2004 150

Family Balance Sheet

FEBRUARY 6, 2021

We think we’ll use the money towards summer vacation. We’re converting our basement to a family room area and the original family room (in the pic above) is becoming a home office. We’re converting our basement to a family room area and the original family room (in the pic above) is becoming a home office.

Finance 130

Finance January Family 2020 130

Saving Everyday

NOVEMBER 3, 2023

Sometimes, you can find areas where you’re spending too much, and rectifying that will keep more money in your bank account for things like gas. When you purchase groceries, prescriptions, and gift cards using your membership card, you earn points that you can apply at the gas pump for up to $0.10 off per gallon.

Saving Money 52

Saving Money Gas Money Fuel 52

Couponing 101

NOVEMBER 27, 2019

” However, if you’re on a tight budget, the holiday season may seem more stressful than joyful. If you’re shopping online, you might consider using your Rakuten account for cash back at select stores. Some stores may clear out select products before Christmas ( Costco , we’re looking at you).

Saving Money 64

Saving Money Money Holiday Gifts 64

Prairie Eco-Thrifter

MAY 4, 2011

It’s well within a college student’s ability to start saving money while they’re still getting a degree, and to graduate with a firm grasp on their finances and an idea of how to succeed going forward. First things first: Be smart about credit. You decide how it gets spent and who gets to use it.

College 169

College Graduation Credit Cards Re-use 169

Family Balance Sheet

SEPTEMBER 9, 2014

We live in metro Phoenix, in a 70s tract house that we’ve been gradually re-doing. 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. That’s one of my hobbies.)

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Couponing 101

MARCH 26, 2019

So starting on April 1, I’m holding myself to a strict spending limit using the envelope budget method. If that sounds like a system you would benefit from, read on for my step by step guide on how to use the envelope budget method to save money. Do not use a credit or debit card!

Saving Money 88

Saving Money Money Used Budgeting 88

Couponing 101

APRIL 23, 2013

If not, you’re missing out on some great savings potential! Right now they are offering a FREE $10 gift card to new customers when you spend your first $10. Right now they are offering a FREE $10 gift card to new customers when you spend your first $10. Register a debit or credit card with Plink.

Gift Cards 99

Gift Cards Gifts Eating Out Burger King 99

Couponing 101

NOVEMBER 18, 2019

After all, who has time to tally how much they’ve spent when they’re already hunting for the next great deal? Just watch the news around Thanksgiving, and you’re likely to see hordes of people lining up well in advance of when stores open. Know How You Will Use Items. Don’t Get Too Competitive.

Fridays 58

Fridays Re-use Budgeting Budget 58

Cheap Chica's Guide To Style

MAY 29, 2014

Introducing Go-Combs , the mini-combs which were made for on-the-go use. Go-Combs are the size of a credit card, lightweight and waterproof, and some styles even contain a mirror. They’re also available in a variety of styles and colors and are priced at under $10. Genius, right?!

Credit Cards 93

Credit Cards Budgeting Budget Re-use 93

Family Balance Sheet

DECEMBER 28, 2016

If you’re thinking about some resolutions for 2017 that have to do with YOUR finances, then I’m inviting you to join me in January for the New Year New You Financial Summit. If you can’t make the time slot, don’t sweat it, you can watch the replays as long as you’re registered. Hope to see you there!

New Year's 100

New Year's Debt Personal Finance Real Estate 100