Penny Pinchin' Mom

FEBRUARY 16, 2024

If you do choose to go for the pre-owned option, you will be saving yourself a bit of money! Just make sure you have a trusted mechanic look over the car before you hand over your hard-earned money. Narrow Down a Price Range If you are going to save money , you need to have a target savings goal in mind that you can work toward.

Cars 52

Cars Car Bank Banking 52

Prairie Eco-Thrifter

JUNE 22, 2014

You can’t always count on credit cards or checks being accepted. My son whipped out his credit card to pay for their meal and was stopped cold when he found out the place didn’t take credit. Credit wasn’t freely available when Mom was teaching me to live a financially responsible life.

Money 217

Money Mom Credit Cards Bank 217

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

Family Balance Sheet

JANUARY 25, 2019

Did you use cash or put your purchases on a credit card? But if those gifts were paid with a credit card that doesn’t get paid off as soon as the bill arrives, any savings from store sales, coupons, and/or rebates might be negated from the interest accrued. We have to plan and save for it.

2019 100

2019 Club Christmas 2018 100

Family Balance Sheet

JANUARY 2, 2013

Unless it's paid with cash, that is one hefty credit card bill come January. According to the Washington Post and a CreditDonkey survey , "a shopper who charges about $700 on a credit card with a 13 percent interest. a "I don't have to worry, because I've saved money" Christmas. The total interest paid will.

2013 113

2013 Christmas Club January 113

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. Take advantage of free money.

Money 100

Money 2015 Emergency Fund Bills 100

Savings Corner

DECEMBER 24, 2023

One of the biggest benefits of a personal loan is that they often charge lower fixed interest rates when compared to other forms of lending, like credit cards. How a personal loan works A personal loan is money you borrow from a bank or other financial institution with a set repayment period and consistent monthly payments.

Debt 52

Debt Credit Cards Credit College Tuition 52

Family Balance Sheet

OCTOBER 14, 2014

If possible, set the money aside in a separate savings account earmarked specifically for gift spending. If you haven’t started saving for this upcoming Christmas, you will need to scramble to find that money NOW, so you won’t feel compelled to use a credit card.

Finance 100

Finance Giving Organic Organization 100

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? Are you okay with that number?

Christmas 157

Christmas Credit Cards January Budgeting 157

Prairie Eco-Thrifter

NOVEMBER 25, 2012

By throwing my spare cash at my high interest credit card debt, I would be saving money by reducing the amount of interest I would have to pay. A dollar saved, as they say, is a dollar earned. Save or invest? What Should You Do? . What do you do?

Money 189

Money Debt Refinancing Credit Cards 189

Coupons Do Work

OCTOBER 3, 2016

When it comes to saving money and banking, we are always looking for the best bank ; and what can save you money and what bank gives you money :). You can earn an additional $50 by pairing the checking account with a new Essential Savings account and depositing $5,000 or more within 2 weeks of account opening.

Bank 100

Bank Banking 2016 Bank of America 100

Saving Cents With Sense

JANUARY 24, 2012

She shares her own money saving journey with you to hopefully help inspire some that are just starting on that path. Let’s be honest, saving money for me has always been a struggle. Even though I’m better now, I’m stuck with the debt of when I had to put bills and other expenses on my credit cards when I wasn’t working.

Pay Off Debt 94

Pay Off Debt Debt Credit Cards Frugal Parenting 94

Family Balance Sheet

JANUARY 11, 2011

Since we use credit cards for almost all of our purchases, we are paying the bills now for our Christmas presents. And even though we have the money to pay the bills off completely, I am still a bit queasy as I push the send button on my online bill payer. I'm hoping that if I plan now, I'll spend less later.

Christmas 138

Christmas 2011 Bills Credit Cards 138

For the Mommas

JULY 13, 2016

Another common mistake that people make is not having some type of savings account or rainy day fund. Having “extra” money at your disposal is always a good thing because you never know when you will need it for something important. Only paying the minimum on your credit card balance.

Money 40

Money Credit Cards Bills Budgeting 40

For the Mommas

JULY 13, 2016

Another common mistake that people make is not having some type of savings account or rainy day fund. Having “extra” money at your disposal is always a good thing because you never know when you will need it for something important. Only paying the minimum on your credit card balance.

Money 40

Money Credit Cards Bills Budgeting 40

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

FEBRUARY 22, 2011

Had it not been for the money in our emergency savings, we would most likely have used credit cards to survive. We reduced our spending where we could, but the money to pay any shortfall each month came from our emergency fund. It was a scary time for us. What got us through.our emergency fund.

Emergency Fund 127

Emergency Fund 2007 Personal Finance Debt 127

For the Mommas

MAY 22, 2012

Rather than finding yourself in a position where you’re relying on credit cards for these expenses – and then wasting your hard-earned money on paying off those cards in the following months – try creating separate sinking funds instead. If there’s no extra money in your budget, there’s still hope, though.

Craigslist 78

Craigslist West Virginia Bank Banking 78

Prairie Eco-Thrifter

APRIL 6, 2012

Teacher Man presents Why Credit Cards Are Dangerous For Students posted at My University Money , saying, “I am on the record as having said that I believe students should sign up for credit cards. Theres a reason why the average amount of credit card debt per household is $15,956.

Money 133

Money Finance Personal Finance Real Estate 133

Prairie Eco-Thrifter

MAY 1, 2012

I discovered that most of the stuff I bought, I didn’t really need so it was fairly simple to change my spending habits to save money.” She got rid of her credit card debt using this.” Tarahas this idea – “I made a game of finding new ways to stop spending everything I earned so I could save.

Money 211

Money Debt Debt Free Cooking At Home 211

The Frugal Girl

MARCH 4, 2024

How did you get interested in saving money? 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.) We knew it would be a balancing act, so we were working on saving money long before the wedding.

Green And Frugal 182

Green And Frugal Kids and Family Hotel Frugal 182

Family Balance Sheet

MARCH 4, 2016

We haven’t taken out a penny of debt since November 2011 (nor will we ever), we don’t have a credit card (and we are still alive), and we are saving money at an incredible pace. We invest heavily into our retirement accounts and also into our kids’ college savings accounts.

Debt 100

Debt Finds Debt Free Television 100

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 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. ” So I protected. ” It’s amazing how much money was freed up when I stayed. How long did.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

The Frugal Girl

JUNE 10, 2024

How did you get interested in saving money? Some to the school fundraiser I just got an email about, and the rest to our high-yield savings account! Currently, we have a few home improvement projects and trips we’re saving for. We’ve been able to cover all our recent plane tickets with the points we’d saved up.

Kids and Family 130

Kids and Family Thrifting Vacation Friends And Family Sale 130

Penny Pinchin' Mom

FEBRUARY 16, 2024

Do you have a retirement plan or a healthy savings account? Besides, paying off your debt and keeping it at a healthy minimum will help your credit score rating. Set a Savings Goal “Do not save what is left after spending, but spend what is left after saving.” What about day-to-day expenses?

Money 52

Money Insurance Debt Bulk 52

Prairie Eco-Thrifter

FEBRUARY 9, 2011

To often, when it comes to saving money, we spend a lot of time on what we haven’t accomplished- or we downplay what we have accomplished. Here are a few money scenarios to celebrate: Paying your bills on time. Saving an extra $50 a month. Maxing out your retirement savings account. Eating out less.

Debt 113

Debt Eating Out Bills Cooking At Home 113

Prairie Eco-Thrifter

MAY 30, 2011

The Single Saver is a website dedicated to helping singles and small families save money with easy to implement money saving tips. And for fun, I study new ways to save money in my life (yeah, seriously, I find that fun… ), garden, and spend time with my wonderful pets. Going out is expensive.

Frugal 157

Frugal Hobby Green And Frugal Home and Garden 157