Family Balance Sheet

NOVEMBER 2, 2022

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. We paid for many of our Christmas purchases on a credit card and then hustled in January 2013 to pay it off. photo credit: Pixaby. Babysit or House Sit.

Christmas 130

Christmas Finds Friends And Family Sale Donation 130

Prairie Eco-Thrifter

FEBRUARY 3, 2016

With so many things that we parents have to teach our children, from using the potty to being a good and decent citizen, it’s no wonder that financial lessons sometimes get pushed aside in favor of more immediate needs in raising our kids. No, we won’t put that on the credit card and pay for it later.

Work 100

Work Kids Bank Banking 100

For the Mommas

JUNE 15, 2019

FREE Britannica Kids Trial – Keep the Kids Learning this Summer. Sign up today for a Free Britannica Kids 7-Day Trial! Britannica Kids’ content is customized for every age group; with easy articles for grades K-12 and beyond. A credit card is required to validate your free trial.

Kids 45

Kids Credit Cards Credit 7-Up 45

Family Balance Sheet

MARCH 23, 2020

Subscriptions and Trials: Audible is offering free streaming of stories for as long as kids are off of school. 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 Unlimited reading.

Credit Cards 162

Credit Cards Zoo Museum Education 162

Penny Pinchin' Mom

JANUARY 16, 2024

Automate Your Contributions This is something I have decided to do with my kids: as soon as anyone turns 18, I’m going to give them $500 as a start-up investment in their Roth IRA. 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?

Personal Finance 52

Personal Finance Finance Tips Finance Mom 52

Prairie Eco-Thrifter

APRIL 13, 2014

Lots of them are common sense – things like not spoiling your kids by giving them everything they want. Most parents let their kids have some kind of money – either via an allowance, a job or chores around the house or from gifts. If your college student runs up their credit card bill and can’t pay, make them work it out.

Kids 219

Kids Money Parenting Kids and Family 219

The Frugal Girl

NOVEMBER 27, 2023

As a foolish young high school kid, that rule annoyed me because I wanted to spend ALL of my paycheck, but I still saved a chunk of it because I had no choice. I made some foolish choices shortly after graduating college, burning through my savings and running up credit card bills. How did you get interested in saving money?

California 172

California Cars Car College 172

Prairie Eco-Thrifter

OCTOBER 22, 2013

Teaching your kids about money is one of the best things you can do to set them up for financial success in the future. Being that financial security strategies aren’t taught in the school classroom, it’s important to sit down with your kids at home and teach them valuable lessons in financial management. De-Programming Your Kids.

Money 234

Money Kids College Tuition Kids and Family 234

Couponing 101

MAY 28, 2019

Kids are like sponges. 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. Give Kids an Opportunity to Earn Money. It’s normal.

Saving Money 84

Saving Money Money Simple Financial Goals 84

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

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. Had we started saving for college when the kids were much younger, I might have chosen a 529 investment plan. You can apply for the card through your Upromise account.

College 130

College Used 2020 Saving 130

Penny Pinchin' Mom

FEBRUARY 16, 2024

How about an education policy for the kids? Besides, paying off your debt and keeping it at a healthy minimum will help your credit score rating. With a better credit score rating, you have access to better financing options, which, in turn, can help you take advantage of future investment opportunities. They can be anything.

Money 52

Money Insurance Debt Bulk 52

The Frugal Girl

MARCH 4, 2024

I’m in my 60’s, I’ve been married to the love of my life for 44 years and we have two adult “kids.” We consider her our “bonus kid” and our family is extremely close. I still remember saving my change as a kid so I could “shop” for books at yard sales.) Our son is 29 and biological. Alan doesn’t share that regret. Go figure.

Green And Frugal 180

Green And Frugal Kids and Family Hotel Frugal 180

Prairie Eco-Thrifter

OCTOBER 11, 2012

Running Up An Enormous Credit Card Bill. It can be so easy to run up thousands of dollars in debt just by using that credit card. This all coming from the credit card king. This all coming from the credit card king. You can always save later once you decide to have kids.

Debt 222

Debt Credit Cards Money Credit 222

Penny Pinchin' Mom

MARCH 11, 2024

Whether you are looking to save extra money for your emergency fund and potential unexpected expense, a new kitchen, or your kids’ college tuition—you name it—you will require self-discipline and a plan to reach any financial goal. Download Cash Back Apps Remember when I said you were going to need your credit cards at some point?

Saving Money 52

Saving Money Money Saving Credit Cards 52

Coupons Do Work

SEPTEMBER 28, 2016

Use your JCPenney credit card and receive 20% off purchases under $100 and 25% off purchases of $100+. Continue your savings at JCPenney and take 25% off Skecher shoes for Women, Men, & Kids. Take 25% off Skecher shoes for Women, Men, & Kids. Use promo code GOSHOP35. Valid 9/29-10/3. Use online code COOLSHOE.

Codes 100

Codes Sale Credit Cards Shoes 100

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 was just working on it yesterday as I was making some notes of gift ideas for my kids. The same kids mow many lawns in my neighborhood during warmer weather.

Christmas 235

Christmas Finds Part Time Thrift Stores 235

Family Balance Sheet

SEPTEMBER 2, 2022

Much to the dismay of my kids, I’ve declared Thursday nights during the school year as Clean the Fridge Out Night. Coincidently, our credit union was offering a free shred day AND free breakfast for participating. My Frugal Shenanigans! My Thursday dinner plan is now Clean out the Fridge Night! FREE Shredding! Show me the money!

August 130

August Frugal Green And Frugal Financial Goals 130

Penny Pinchin' Mom

FEBRUARY 16, 2024

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. Once I have that figure in mind, I come up with another number—an amount that can be taken out of the family paychecks without leaving my kids destitute.

Cars 52

Cars Car Bank Banking 52

Prairie Eco-Thrifter

MAY 27, 2012

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. Avoid using store cards; they usually have excessively high interest rates and this negates any savings you might make.

Emergency Fund 212

Emergency Fund Credit Cards Budgeting Budget 212

Prairie Eco-Thrifter

MAY 8, 2011

t Paydown Your Credit Cards. Crystal presents 5 Credit Card Mistakes You Want to Avoid. Credit cards can be a great tool but these mistakes are all too common. Avoid them and you’ll do fine in the world of credit. Glen Craig presents Credit Cards for Excellent Credit.

Saving Money 232

Saving Money Money Credit Cards Insurance 232

Family Balance Sheet

MARCH 5, 2021

I had an unexpected surprise hit my credit card in February. Neither my husband nor I have been to Europe so this was a big deal and we were very excited to be able to take our kids on such a trip. My total of found money in February: $3433.68. Airfare Refund: $2700.

February 257

February Money Airline Flights 257

Prairie Eco-Thrifter

JULY 18, 2013

Take a peak and see what I read this week: Good Reads From The Blogosphere: Have you ever wondered How Secured Credit Cards Help You Repair Your Credit ? If so, don’t miss Ryan’s post about how they can be an option for repairing bad credit at The Better Credit Blog. Are You Financially Ready For Kids?

Debt 199

Debt Fridays Personal Finance Goals 199

Prairie Eco-Thrifter

SEPTEMBER 2, 2011

Some parents will still give their kid an allowance once they go to college but let’s be real, it’s never enough. There are plenty of money tips for college freshman but I just have three: watch your pennies, start a budget and don’t open a line of credit. Credit Cards for College Students.

College 180

College Money Student Budgeting 180

The Frugal Girl

FEBRUARY 18, 2024

Before kids, I spent my free-time volunteering at a stray rescue shelter for dogs. After I had kids, I swapped that time to growing all sorts of interesting heirloom foods in my backyard. I started reading The Frugal Girl back in 2010 when Kristen’s kids were still itty bitty. The more kids I could “adopt”, the better!

Kids and Family 186

Kids and Family Home and Garden Money Frugal 186

Prairie Eco-Thrifter

AUGUST 17, 2017

Talk to any alumni you may know (hint parents, cousins, that kid that went off to college last year) to see what they know about it. Failure to be smart about credit. High school grads today have seen parents using credit cards (or maybe even their cell phones) to charge everything from gas to groceries to online purchases.

College 133

College Graduation Used Points 133

Prairie Eco-Thrifter

JULY 29, 2014

These people may accrue thousands of dollars of debt on a credit card their spouse doesn’t even know about. The popular sitcom, How I Met Your Mother, delved into this episode when Marshall discovered that Lily had over $20,000 in hidden credit card debt thanks to her designer clothes habit.

Spendthrift 170

Spendthrift Debt Marshalls Credit Cards 170

Family Balance Sheet

NOVEMBER 4, 2016

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. We earn cash back on our credit card purchases and I have been saving up our points to cash them in for a $100 Lands’ End gift card.

Frugal 100

Frugal Fridays Ebates Credit Cards 100

Coupons Do Work

MAY 12, 2016

From now until 5/15-16, there is an awesome deal at JcPenney — 1 cent deals on your favorite brand : Other Promo Codes and Deals: On purchases of $100 or more, take 25% off with a JCPenney credit card or 20% off with any other method of payment. Buy One, Get One for a Penny Kids’ Arizona Apparel. Valid 5/12-5/15.

Arizona 100

Arizona Mens Credit Cards Buy One 100

For the Mommas

MARCH 15, 2019

The register comes with play money and a credit card, a kid-powered dial that changes prices, removable item scanner, and a pop-out drawer for never ending Roadster Racer fun! You can get free shipping on orders over $35. Continue reading Mickey Mouse Clubhouse Cash Register $9.88 {Reg $22.17} at FTM.

Scanners 45

Scanners Credit Cards Credit Money 45

For the Mommas

SEPTEMBER 10, 2019

Filled with engaging activities and a drawer stashed with life-size (make-believe) cash, the Teaching Cash Register helps kids make sense of currency with a coin reader that identifies both real and plastic coins. Continue reading Learning Resources Pretend & Play Teaching Cash Register $30.03 {Reg $55} at FTM.

Scanners 45

Scanners Credit Cards Activism Credit 45

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? Our smallest debt was a credit card that had a $600 balance. Celebrate with CASH, not credit!

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Penny Pinchin' Mom

MAY 1, 2024

You certainly do not want to return home to a stack of credit card bills you can’t pay. Don’t buy stuff Whenever we go anywhere with our kids, they want something to take home with them. Before you head out each morning, toss a few into your backpack, so you have something when the kids tell you they are hungry.

Vacation 40

Vacation Budgeting Budget Airfare 40

Coupons Do Work

MARCH 31, 2016

Take an extra 25% off with your JCPenney credit card or an extra 15% off with any other method of payment. Take 50% off Arizona kids’ apparel. Save on select original, regular and sale-priced items. . Loyalty Sale! Use promo code NEWYOU. Save on original, regular and sale-priced items. . 4/1 – 4/12.

April 100

April 2016 Codes Credit Cards 100

Prairie Eco-Thrifter

AUGUST 1, 2013

Before, during, and after kids, it’s vital to make time for your relationship. If you have credit cards, regardless of having a balance or not, don’t miss Paul from the Frugal Toad’s post about the mistakes that are all too common to make when it comes to using those cards.

Home 160

Home Fridays Credit Cards Wedding 160

The Frugal Girl

NOVEMBER 13, 2023

years with no car (and two small kids!). My own kids were born in different time zones, too – one in MN, one in OH. One of the moves we made, out to Seattle, the only way we could make our budget work AND have me be home with our young kids, was to not own a vehicle at all. Biking in my favorite park Here’s Liz!

Kids and Family 191

Kids and Family Parenting Cars Car 191

Coupons Do Work

AUGUST 13, 2016

That $10 will be credited to your JCP rewards account within 3-4 days. JCPenney credit card , is it worth it? With the JCPenney credit card , members save more as they reach specific tiers (standard, gold and platinum), which has to do with how often you spend. If the cc is used are you able to accumulate more.

Shopping 100

Shopping Credit Cards Rewards Sephora 100