Family Balance Sheet

DECEMBER 29, 2020

If your fresh start for the New Year includes improving your finances, you are not alone! This package is designed to help you organize your finances, create a budget, plan for major purchases, understand your cash flow, and track your net worth. I created it as a way to communicate our finances to my husband.

Budgeting 130

Budgeting Budget Family Property Taxes 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 package of 9 Microsoft Excel spreadsheets is designed to help you organize your finances, plan for major purchases, create a budget, understand your cash flow, and track your net worth.

Budgeting 160

Budgeting Budget Family Property Taxes 160

Savings Corner

APRIL 4, 2024

Determining whether you qualify: Many cash-out refinance lenders require a credit score of at least 620 and at least 20 percent equity in your home. Your cost to borrow could be lower: Cash-out refinances often have lower rates than home equity loans , personal loans and credit cards. This can be a boon for your credit score.

Refinancing 52

Refinancing Work Debt Home Improvement 52

Savings Corner

DECEMBER 24, 2023

Check your credit score Your credit score will help you determine your financing options; lenders use it (among other factors) to set the terms and rates of your loan. The higher your credit score, the lower the interest rate you will be eligible for — which means that lower scores equate to more expensive mortgages.

Real Estate 52

Real Estate Buy Buying Credit 52

Family Balance Sheet

MAY 6, 2020

For many households, their finances and budgets are in limbo. My family’s finances have also been affected. I am totally paraphrasing the year, but had it not been for the money in our emergency savings, we would most likely have used credit cards to survive. Everything changed. What got us through financially?

Debt 130

Debt Emergency Fund 2007 2020 130

The Frugal Girl

FEBRUARY 18, 2024

After I became a mother, finances became much more complicated. While we were still renting an apartment, I researched areas with lower property taxes, scouted out my ideal neighborhoods, and waited for a smaller, less expensive house to come on the market. What’s the “why” behind your money-saving efforts?

Kids and Family 186

Kids and Family Home and Garden Money Frugal 186

Family Balance Sheet

JUNE 4, 2015

I manage the finances for our business and our family and by August 2013, I felt the weight of the situation. On top of our normal day to day expenses, the new property taxes were due, we had more ownership expenses than we realized, and we had a family to feed. My husband and I have always felt financially responsible.

Goals 100

Goals Debt Renovation Daughter 100