Family Balance Sheet

MAY 4, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. Credit Card Cash Back Redemptions in April: $439.62. Years ago during our Debt Freedom Plan, I avoided using credit cards, not because we had credit card debt, but I was trying to limit our overall spending.

April 130

April Money Credit Cards Donation 130

Family Balance Sheet

APRIL 1, 2015

He writes at Debt Discipline about about how his family of 5 deals with money, budgets and debt. Tell us about you and your family. We’re a family of five, including, me, my wife and 3 children: 15 year old fraternal twins and a 12 year old son. We are a close family that likes to laugh. Where are you from?

Debt 100

Debt Credit Cards Debt Free Credit 100

Family Balance Sheet

AUGUST 6, 2022

I use my plasma money for special treats for my family and me. Credit Card Cash Back Redemptions in July: $196. Years ago during our Debt Freedom Plan, I avoided using credit cards, not because we had credit card debt, but because I was trying to limit our overall spending.

July 130

July Frugal Credit Cards Donation 130

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. This blog was based on my very first spreadsheet, the Family Balance Sheet. That first family balances sheet sparked my love for spreadsheets, and over the years I created many more out of necessity.

Budgeting 160

Budgeting Budget Family Property Taxes 160

Prairie Eco-Thrifter

JUNE 12, 2016

When it comes to borrowing money, having bad credit can limit your options. If you are in need of money and don’t have the time to go through a credit check, there are other ways you can get access to cash. Ask a Friend or Family Member. In most all cases you can get loans with no credit check from your friends and family.

Credit 124

Credit Money Credit Cards Bank 124

Koupon Karen

JANUARY 15, 2024

This is particularly true for family-owned enterprises, where such loans can provide the necessary capital to expand. You might be wondering how to make the most of such loans for your family business. The Need For Business Loans Like all businesses, family-owned companies may require additional funding.

Family 52

Family Finance Debt Monitors 52

Prairie Eco-Thrifter

FEBRUARY 21, 2011

And because the little things things in life can really add up, let’s look at how you can help to save the world using one tiny everyday thing: your credit card. How A Credit Card Could Reduce Your Carbon Footprint. Can something as small as using a credit card on everyday purchases help the environment?

Credit Cards 100

Credit Cards Credit Used Bank 100

Family Balance Sheet

APRIL 19, 2016

Tell us about you and your family. My family moved to Lincoln, Nebraska before my Junior year in high school. It was a mix of college loans, a personal loan from my parents (for college), an overdraft account, and credit card debt. The post Find out how Anna paid off $23,605 in college, personal loans, and credit cards.

Credit Cards 100

Credit Cards Debt Free College Debt 100

Family Balance Sheet

APRIL 2, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. Credit Card Cash Back: $175. I redeemed $175 for gift cards from our business credit card’s cashback program. We use this credit card for almost all of our business expenses and we pay it off every month.

March 130

March Money Donation Credit Cards 130

Family Balance Sheet

FEBRUARY 6, 2021

January 2021 was a month of extremes in my family’s finances. We’re converting our basement to a family room area and the original family room (in the pic above) is becoming a home office. Credit cards are a tricky subject and we pay off the balance every month, so I will write more about this soon.

Finance 130

Finance January Family 2020 130

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

Family Balance Sheet

MARCH 26, 2021

Do you have enough cash to cover them or would you have to rely on high-interest credit cards or a loan from your family? With little money in their bank accounts, these Americans couldn’t afford these unfortunate expenses without using a credit card or maybe relying on a loan from family and friends.

Emergency Fund 130

Emergency Fund Building 2007 Credit Cards 130

For the Mommas

AUGUST 9, 2012

Free Credit Score. We all know how important our credit score is. Here is an opportunity to check your credit score , 100% free, with NO credit card required. You will get your Experian Credit Score via a secure website. Monitor your credit profile, home value and debt in one organized place.

Credit Cards 45

Credit Cards Credit Debt Monitors 45

Family Balance Sheet

MARCH 23, 2020

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 The post Free things to do during the quarantine appeared first on Family Balance Sheet. Are you a member of Amazon Prime?

Credit Cards 162

Credit Cards Zoo Museum Education 162

Penny Pinchin' Mom

JANUARY 16, 2024

However, if you have been following me, you know that I am quite serious about finding ways to not only get out of debt but also how to create a budget (and stick to it) as well as how to save money without necessarily depriving your family of the quality of life they deserve. Again, you’re not alone with this problem.

Personal Finance 52

Personal Finance Finance Tips Finance Mom 52

For the Mommas

NOVEMBER 30, 2018

JCPenney Friends & Family Sale: Up to 70% off JCPenney is having their Friends & Family Sale with discounts up to 70% off deals across the site. You’ll also get an extra 30% off with your JCPenney credit card or 25% off with any other form of payment the coupon code FAMILY. You will also […].

Friends & Family Sale 51

Friends & Family Sale Family Sale Credit Cards 51

Prairie Eco-Thrifter

JULY 4, 2011

Hello and welcome to the 316th Carnival of Personal Finance- Family Edition. This week I am reminding you all about those special people in your life- your family. It was during this rather taxing weekend that I was reminded of how great a loving family can be. Families are our rock, our support system, and our fans.

Personal Finance 240

Personal Finance Finance Family Debt 240

Family Balance Sheet

NOVEMBER 18, 2022

That merry time of year that is filled with faith, family, food, and a little bit of shopping. Americans will spend about $900 on holiday purchases** and unfortunately, many people will get a little surprise in the mail in January when the credit card bills start rolling in. Christmas is coming! Create a Budget. Source: Gallup.

Christmas 130

Christmas Budgeting Budget Money 130

Prairie Eco-Thrifter

FEBRUARY 5, 2014

Between credit card offers in the mail promising great rewards and the ability to borrow money for next to nothing, debt can be enticing. When I was 18, I got my first credit card. As a result, I ended up getting myself into a couple thousand dollars worth of credit card debt on things that I didn’t need.

Debt 206

Debt 2014 Credit Cards Consumerism 206

Couponing 101

NOVEMBER 29, 2018

Macy’s is having their annual Friends and Family sale now through 12/10! And for Macy’s credit card holders, you can get $10 in Star Money for every $100 spent using your Macy’s credit card during the sale! The post Macy’s Friends & Family Sale Happening Now!

Friends & Family Sale 40

Friends & Family Sale Friends And Family Sale Family Jewelry and Watches 40

Couponing 101

NOVEMBER 29, 2018

Macy’s is having their annual Friends and Family sale now through 12/10! And for Macy’s credit card holders, you can get $10 in Star Money for every $100 spent using your Macy’s credit card during the sale! The post Macy’s Friends & Family Sale Happening Now!

Friends & Family Sale 40

Friends & Family Sale Friends And Family Sale Family Jewelry and Watches 40

Family Balance Sheet

OCTOBER 15, 2021

Side Note #1: I do not advocate the use of credit cards unless you are able to pay off the balance every month so as not to incur fees and charges. Please: READ AND RESEARCH TO DETERMINE what is best for you and your family. You can apply for the card through your Upromise account. It’s FREE! Join Upromise HERE!

College 130

College Used 2020 Saving 130

Savings Corner

APRIL 4, 2024

The amount you can borrow with a home equity loan is based on the current market value of your home, the size of your mortgage and personal financials like your credit score and income. The interest rate you receive on a home equity loan (as with other loans) will vary depending on your lender, credit score, income and other factors.

Home 52

Home Debt Credit Cards Credit 52

Prairie Eco-Thrifter

NOVEMBER 20, 2014

My travel a330 (Photo credit: Wikipedia). Now that there are 5 members of our family, we easily save at least $100 a day every day that we’re on vacation and eating our own food. We travel a few times a year for my husband’s conferences and to visit family and friends back home. Use hotel rewards.

Travel 196

Travel Family Hotel Making 196

Family Balance Sheet

SEPTEMBER 2, 2022

I’m always looking for ways to save my family money to not only help us get through current higher food and gas prices but also to help us achieve our big financial goals. Coincidently, our credit union was offering a free shred day AND free breakfast for participating. But in the end, $155 is still a gift. FREE Shredding!

August 130

August Frugal Green And Frugal Financial Goals 130

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. It’s part of being a responsible family budgeter.

2019 100

2019 Club Christmas 2018 100

Saving Everyday

OCTOBER 16, 2011

Do you know your credit score? It’s imperative to check your credit report at least once a year to correct errors and detect unauthorized activity. You can get your score for FREE from Credit Sesame ~. Credit Sesame will also help you manage your credit, loans and debt…all for FREE. If not, you should!

Credit 65

Credit Debt Credit Cards Restaurant 65

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? We celebrated both occasions with a family cruise that we paid for with cash. That’s a necessity.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Family Balance Sheet

MARCH 5, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. I had an unexpected surprise hit my credit card in February. The post Where I found money in February appeared first on Family Balance Sheet. My total of found money in February: $3433.68. Airfare Refund: $2700.

February 257

February Money Airline Flights 257

For the Mommas

MARCH 24, 2017

J C Penny: 30% Or 25% Off Friends & Family Sale Thru 3/26 Thru 3/26, shop in store or online at J C Penny using the code ”8FORYOU” to get 25% Off. Plus, when you purchase with a J C Penny credit card & use the same code, you can get an extra 30% Off. You […].

Friends & Family Sale 53

Friends & Family Sale Family Credit Cards Sale 53

Family Balance Sheet

JULY 10, 2023

Instead, I look for creative ways to save my family money in all aspects of our lives. I locked in the CD at my local credit union where it will earn 4.75% during that time frame. Airlines Refund of $400 + $200 credit We flew to Florida in March to visit family. 4 – Credit Card Rewards – $241.78

Frugal 100

Frugal June Flights CD 100

Savings Corner

DECEMBER 24, 2023

For example, your home would count toward your net worth if you’re willing to use it for a home equity line of credit or sell it should the need arise. That includes revolving consumer debts — such as credit card balances — as well as personal, auto, payday and title loan balances. families by income Net worth of U.S.

Calculators 52

Calculators Taxes Debt Consumer 52

Family Balance Sheet

NOVEMBER 26, 2014

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 last minute ideas to find some extra cash for your Christmas spending. Our goal is to NOT put our Christmas purchases on a credit card. Can you teach piano lessons?

Christmas 235

Christmas Finds Part Time Thrift Stores 235

Prairie Eco-Thrifter

JULY 9, 2013

Another thing that, according to the National Foundation for Credit Counseling (NFCC), happens in childhood that affects our adult finances is that we learn from the financial behavior of our parents. They didn’t use credit (I’m not even sure they ever had a mortgage!) until late in life and then only credit cards.

Used 228

Used Parenting Credit Cards Debt 228

Penny Pinchin' Mom

MARCH 11, 2024

Create a Budget You guys know me by now; you know I am all about creating and sticking to a family budget. So I would suggest using this method until you have your spending habits under control, and then you can go back to the credit cards. What I do is use my credit cards in conjunction with cash back apps.

Saving Money 52

Saving Money Money Saving Credit Cards 52

Penny Pinchin' Mom

FEBRUARY 16, 2024

Do you want something spacious enough for the whole family, or are you going through a bit of a mid-life crisis and, therefore, want a two-door sports car? Use Cash Every time you use your credit card, you are paying interest on that purchase. Spending hard cash is much harder than swiping your credit card.

Cars 52

Cars Car Bank Banking 52

Savings Corner

DECEMBER 25, 2023

You apply for a private student loan through a bank, credit union or online lender. Compare offers from multiple lenders including banks, credit unions, online companies and state-based lenders to find the lowest interest rate. Credit score and income are taken into account for most student loans.

Student 52

Student College Credit Debt 52