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.

August 130

August Frugal Green And Frugal Financial Goals 130

Savings Corner

DECEMBER 24, 2023

Working to improve your credit score and reduce your debt-to-income ratio before applying can help get you the best loan terms. You can get a personal loan from online lenders, banks and credit unions, and the funds are provided in a lump sum. If you can’t, you risk doing lasting damage to your credit.

Debt 52

Debt Credit Cards Credit College Tuition 52

Couponing 101

MAY 28, 2019

But there’s one thing that a lot of parents forget that their kids will absorb: financial habits. adults have credit card debt, kids might not be learning the best financial lessons to set them up for future success. Work on Setting Goals. Since an estimated 55% of U.S.

Saving Money 84

Saving Money Money Simple Financial Goals 84

Family Balance Sheet

DECEMBER 29, 2020

Saving more money is one of the top resolutions that people make…after getting in shape and eating healthier. My mission has always been to help families build a strong financial plan, gain confidence with their money, and live the life of their dreams. One January, we received a very large credit card bill in the mail.

Budgeting 130

Budgeting Budget Family Property Taxes 130

Prairie Eco-Thrifter

MAY 30, 2012

Controlling careless spending of even $5-10 a week and putting it into savings, can add up significantly over time. Having Multiple Credit Cards Buying with credit cards leads to spending more than you earn and we all know where that leads. It’s wasted money. You keep paying but you don’t ever own anything.

Money 235

Money Emergency Fund Debt Financial Goals 235

Prairie Eco-Thrifter

APRIL 13, 2011

Are you surprised when your credit card bill arrives at how much more you charged than you thought you had? This impulse spending will prevent you from saving for the important things like a house, a new car, a vacation or retirement. Whatever is left should be delegated to your savings and non-essentials or wants.

Financial Goals 174

Financial Goals College Tuition Goals Credit Cards 174

Family Balance Sheet

JULY 10, 2023

Instead, I look for creative ways to save my family money in all aspects of our lives. My goal has always been to live well on less while achieving our big financial goals. 2 – We opened up high-interest savings accounts and earned $250 in interest. Frugal living is not about deprivation.

Frugal 100

Frugal June Flights CD 100

Family Balance Sheet

APRIL 1, 2011

Welcome in the beauty of the season with 5 Steps to Spring Cleaning Your Finances Review your 2011 Financial Goals. Did you make some financial goals for 2011 back in January? Take some time this month to review your goals. Check your credit report for errors or unauthorized activity.

Finance 127

Finance Financial Goals Goals Credit 127

Prairie Eco-Thrifter

MARCH 24, 2013

He pays off his credit card BEFORE the statement comes! When you have low income, little savings, not much time to accumulate or lots of debt, you probably don’t want to be investing at high risk levels, according to Invesco. Set your financial goals. Nothing in life is certain.

Financial Goals 222

Financial Goals Goals Money Real Estate 222

Family Balance Sheet

SEPTEMBER 9, 2014

About $52,000 of that $147K was consumer debt (credit cards, a student loan, a car loan, a home improvement loan, etc.) We just wanted to pay off our credit cards, which seemed like a huge task since we’d struggled with it for years. Who initiated the debt free goal? The rest was our house.

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Family Balance Sheet

AUGUST 21, 2020

You’ll know how much is in your checking and savings accounts and your retirement accounts. My Excel spreadsheet listed our short-term and long-term account balances, our debts, and our short-term and long-term financial goals. There was a time our spreadsheet reflected a lot of debt and not a lot of savings.

Family 241

Family Debt Finance Kids and Family 241

Family Balance Sheet

NOVEMBER 4, 2016

It’s Frugal Friday: A recap of how we frugal-ed our way through the week so that we have more money to put towards our financial goals. How We Saved this Week: 1. While I don’t advocate the use of credit cards with a continuing balance, we do use a credit card on many purchases and pay the balance off when the bill comes.

Frugal 100

Frugal Fridays Ebates Credit Cards 100

Family Balance Sheet

APRIL 9, 2021

Stressed out, we ventured into Dave Ramsey’s online Financial Peace University home course for help. Prior to FPU, we thought we were doing well financially and never considered that we had too much debt. We agreed that credit card debt wasn’t very smart, but a car loan? Increase business emergency savings.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Family Balance Sheet

MARCH 6, 2012

Make Clear Financial Goals {Together}. Take some time to discuss your family and marriage's financial goals. I have found that there is less tension when we are both on the same page with our goals, but you need to take the time to discuss those goals together. Do you want to eliminate your credit card debt?

Money 225

Money Financial Goals Goals Kids and Family 225

Family Balance Sheet

FEBRUARY 4, 2015

We also continued using debit and credit cards (paid in full multiple times per month) for the convenience of tracking our expenses online. We have never carried credit card debt during our marriage, so we felt comfortable that it wouldn’t be a temptation. If married, who initiated the debt free goal?

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Savings Corner

DECEMBER 24, 2023

Get started: Define your personal and financial goals. Buyers should think about things like when they intend on moving and what they want in a home — amenities, ideal location and how long it could take them to save for a down payment,” says Edwence Georges, a real estate agent with RE/MAX in Westfield, New Jersey.

Real Estate 52

Real Estate Buy Buying Credit 52

Prairie Eco-Thrifter

JULY 31, 2014

Was it the time you were able to save up and pay for something, or the time the re-possessor came around and took that car back? But how can you learn to use those negative experiences, and teach your children to do so as well to benefit your financial health? Set new financial goals for yourself. Challenge yourself.

Debt 167

Debt College Student Money 167

Prairie Eco-Thrifter

JULY 4, 2011

They are also there working with you to help you reach your goals; even those financial goals. Control Your Cash from Control Your Cash boldly says Your Smart Car Isn’t Saving the World. ElizabethG from Modern Gal shares how she is Coping with Bad Financial News. A plan B is a must in any home.

Personal Finance 240

Personal Finance Finance Family Debt 240

Prairie Eco-Thrifter

FEBRUARY 5, 2013

Secrets such as one partner getting a new credit card, not letting their spouse know about it and running up the balance cause marital discord and individual agony. Don’t come down on each other so hard for saving or spending that neither feels free to treat themselves. If All Else Fails, Get Financial Therapy!

Money 269

Money Giveaway Goals Debt 269

Family Balance Sheet

SEPTEMBER 20, 2016

It started with $40,000 in consumer debt (vehicles, credit cards, small student loan) and then sold our home and eliminated the $140,000 of mortgage debt. Knowing our bank account was empty, I was hoping that one of our maxed out credit cards would have enough room to get him $20 bucks worth of gas to get him to work the next day.

Debt 100

Debt Debt Free Bath and Body Works Gas 100

Prairie Eco-Thrifter

MARCH 8, 2017

If you and your spouse or family disagree on saving, spending or investing one party may inadvertently sabotage the efforts of the other. It is the same with your finances, whether with credit, savings or investments, use the most reputable institution offering the best plans that you can find.

Finance 133

Finance Growing Flowers and Plants Gardening 133

Family Balance Sheet

NOVEMBER 19, 2014

The debt included about $30,000 in student loans, some medical debt, IRS debt, and a small amount on a credit card. What are your top 3 – 5 tips for saving money/pinching pennies to put towards paying off your debt. What are your financial goals now? How long did it take you? Was there a particular event?

Debt 245

Debt Debt Free Finance Friends And Family Sale 245

Family Balance Sheet

JUNE 16, 2015

We paid off $36,000 in student loans, credit cards, cars and a bit of medical debt. What are your top 3 – 5 tips for saving money/pinching pennies to put towards paying off your debt. Decide here and now what your goals are and write them down. What are your financial goals now? It was laughably bad.

Debt 100

Debt Debt Free Finds Goals 100

Family Balance Sheet

JULY 22, 2015

It consisted of student loans, a car loan and even some credit card debt. What are your top 3 – 5 tips for saving money/pinching pennies to put towards paying off your debt. We combined our auto insurance policies since we had just got married which saved us a good chunk of money. What are your financial goals now?

Debt 100

Debt Debt Free Finance Finds 100

Savings Corner

APRIL 4, 2024

To refinance a mortgage, you’ll pay between 2 and 5 percent of the loan amount in closing costs, so if you’re refinancing to save money, you’ll need to calculate your break-even point. Here’s generally how it works: The lender will do a credit check. You’ll turn in any required financial documentation.

Refinancing 52

Refinancing Work Debt Financial Goals 52

Family Balance Sheet

MARCH 18, 2015

We thankfully have always been good about paying off our credit cards each month. We paid off our law school and car loans several years ago, just because we didn’t like having them hang over our heads, but then we took a Financial Peace University class and made it our goal to pay off our house as well.

Debt Free 100

Debt Free Debt Finds Home and Garden 100

Family Balance Sheet

SEPTEMBER 29, 2016

We also had four credit cards, two lines of credit, and a car loan. We had tried other methods in the past, but found this one suited us best since it forced us to focus on one goal at a time, rather than trying to do it all (pay off debt and contribute to savings and retirement). What are your financial goals now?

Debt 100

Debt Debt Free Budgeting Budget 100

Family Balance Sheet

MARCH 4, 2015

in credit card debt, and an additional $28,756.17 This one simple move enabled me to save over $1200 a year. What are your top 3 – 5 tips for saving money/pinching pennies to put towards paying off your debt. Use coupons because you can really save money this way. What are your financial goals now?

Debt 100

Debt Credit Cards Debt Free Student 100

Prairie Eco-Thrifter

MAY 10, 2012

” Jason presents Why We Didn’t Sell Our Car on Craigslist posted at Work Save Live , saying, “Last week I detailed why we considered buying a car through CarMax, and I wanted to do a follow-up on a service of theirs that we actually used. posted at The Financial Blogger , saying, “The online income for May.

Money 113

Money May 2012 Debt 113

Family Balance Sheet

AUGUST 5, 2015

10K in car payments, $35K in credit card debt. He was always trying to put us on budgets, help us look for ways to save and not spend so much but we never found a system that worked for us and continued in spending behaviors that didn’t help advance goals. It enabled us to save almost $500 a month!!

Debt 100

Debt Debt Free Finds Finance 100

Family Balance Sheet

JANUARY 21, 2015

We paid down mostly student loans, vehicles and business credit card debt ( we already own a home outright ). What are your top 3 – 5 tips for saving money/pinching pennies to put towards paying off your debt. The money that we save can be either put back into my business or invested for retirement. I am the nerd.

Debt 100

Debt Debt Free Las Vegas Finance 100

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. What are your top 3 – 5 tips for saving money/pinching pennies to put. When I make a weekly meal plan, it saves us money because. Not to mention all the money we save.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Family Balance Sheet

JULY 2, 2015

But in the end, we ended up making enough profit to pay off our debt entirely and still put some into savings! What are your top 3 – 5 tips for saving money/pinching pennies to put towards paying off your debt. The money that we used to spend on debt now goes into savings. If we want to buy a car, we save and pay cash.

Student 100

Student Debt Debt Free Finds 100

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? Besides, paying off your debt and keeping it at a healthy minimum will help your credit score rating. You need to know what to do with money! What about day-to-day expenses?

Money 52

Money Insurance Debt Bulk 52

Family Balance Sheet

APRIL 12, 2016

I had $29,000 in MBA student loans, $14,000 in credit cards, and $13,000 in a car loan. Share your top 3 – 5 tips for saving money/pinching pennies to put towards paying off your debt. Re-examine and shop around for car insurance every so often – I saved $1200 this past year for the same coverage.

Credit Cards 100

Credit Cards Debt Debt Free Student 100

Prairie Eco-Thrifter

NOVEMBER 12, 2011

Saving Money Today: A Tree Smashed Through My Roof and I’m Lucky – I can’t believe how lucky I feel that a tree fell through my roof and did $9,000 in damage. Everything Finance: Help Your Child Open a Roth IRA – One way you can help your child save for the future is to open a Roth IRA for him. I’m a geek, he’s not.

November 188

November 2011 Personal Finance Finance 188

Family Balance Sheet

DECEMBER 10, 2014

After my first marriage fell apart, I ended up with over $14,000 of consumer debt, made up of a car loan and credit cards. The income from my extra jobs went straight to debt payments, and my regular day job paid the bills, while enabling me to build up a small amount of savings. What are your financial goals now?

Debt 227

Debt Debt Free Financial Goals Goals 227