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 personal finances are so interwoven with our small business finances that we view them as one. A student loan?

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Prairie Eco-Thrifter

JULY 4, 2011

Hello and welcome to the 316th Carnival of Personal Finance- Family Edition. Big Cajun Man from THE Canadian Personal Finance Site asks What is Your Financial Plan B? Ken from Spruce Up Your Finances asks Need A Down Payment For Your House? Nathan Richardson from ComplexSearch.com presents What’s a Good Credit Score?

Personal Finance 240

Personal Finance Finance Family Debt 240

Family Balance Sheet

MAY 6, 2020

For many households, their finances and budgets are in limbo. My family’s finances have also been affected. Our emergency fund. 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.

Debt 130

Debt Emergency Fund 2007 2020 130

Prairie Eco-Thrifter

OCTOBER 21, 2012

Hello and welcome to this week’s Carnival of Personal Finance. If any of you have seen me host carnivals before you know that I like to add in some funny clips about personal finance for your enjoyment. Editors Picks: Big Cajun Man from THE Canadian Personal Finance Site shares 10 Phrases I have Used to Save Money.

Personal Finance 219

Personal Finance Finance Debt Money 219

Motherhood Moments

MARCH 4, 2023

Source : freepik.com Managing finances can be an incredibly stressful and overwhelming endeavor. Automating your savings towards an emergency fund makes this process easier and less painful. on your credit card. Make smart choices with credit. And this can help you steer clear of debt.

Debt 130

Debt Money Building Credit Cards 130

Prairie Eco-Thrifter

JANUARY 1, 2013

A financial advisor told me recently that the thing that really made him upset was that nearly every new client he spoke to was making the same disastrous personal finance mistakes. So let’s look at the most common personal finance mistakes and what you can do to prevent or fix them. Lack of An Emergency Fund .

Emergency Fund 272

Emergency Fund Credit Cards Personal Finance Finance 272

Penny Pinchin' Mom

DECEMBER 17, 2023

You are one emergency short of losing track of your finances. Your positive credit report will encourage other lenders to grant similar facilities. Your risk profile goes down as you are no longer a first-time borrower, and your debt-to-income ratio goes down along with your credit utilization rate. What gives?

Pay Off Debt 52

Pay Off Debt Debt Emergency Fund Financial Goals 52

Family Balance Sheet

OCTOBER 15, 2014

Welcome to 31 Days to Organize Your Finances. We’ll talk about cash flow, budgets, debts, and all of the nitty gritty of our finances that might not be fun to talk about, but are so important to discuss. The goal is to identify the need before something breaks down, so you are not caught off guard without the funds.

Finance 100

Finance Organic Organization Emergency Fund 100

Family Balance Sheet

AUGUST 11, 2016

But for our own safety net, we must make our finances a priority. It’s hard to change and improve your finances if you have no idea where you currently stand. Use my Family Balance Sheet excel spreadsheet to help you organize your finances. Start Saving for your Emergency Fund TODAY! ” I hear you.

Emergency Fund 100

Emergency Fund Money Finance Debt 100

Prairie Eco-Thrifter

AUGUST 19, 2012

Start an Emergency Fund One of the biggest things you can do to help avoid disasters is to create an emergency fund. This is a reserve of money for emergencies; leave it alone and don’t go dipping into it for general spending. A diversified mutual fund is an excellent way to achieve a diversified portfolio.

Emergency Fund 222

Emergency Fund Insurance Debt Credit Cards 222

Savings Corner

DECEMBER 24, 2023

Simply fill in your outstanding loan amounts, credit card balances and other debts. Fill in your outstanding loan amounts, credit card balances and other debts to see what your monthly payment could look like. Personal loans A personal loan is an unsecured loan that, unlike a credit card, has equal monthly payments.

Debt 52

Debt Calculators Credit Cards Credit 52

Prairie Eco-Thrifter

MAY 30, 2012

The same can be said about finances – it is often the little things you do, the small actions you take, that have the biggest impact on your financial security, both in the present and in the future. A budget helps you track your finances so you know exactly where you are and whether you’re on track.

Money 235

Money Emergency Fund Debt Financial Goals 235

Prairie Eco-Thrifter

JANUARY 10, 2013

Working to build your emergency fund? Read up on emergency fund basics at Money Smart Guides. If so, don’t miss YourFinancesSimplified’s guest post about whether or not student loan debt can hurt your credit score. Confused about how much you should save and how you should go about saving it?

Emergency Fund 193

Emergency Fund Debt Student Fridays 193

Prairie Eco-Thrifter

MAY 21, 2013

Low Credit Score. Generally speaking a credit score below a 620 will not be enough to qualify you in buying your first home. While you may not want to delay the first purchase of your home, you have to realize that a low credit score, even if the bank does approve you, will not allow you to get the best interest rate.

Home 186

Home Emergency Fund Buy Buying 186

Savings Corner

DECEMBER 25, 2023

How much car you can afford depends on factors like your monthly income, your credit score and the features you’d like your vehicle to have. Specifically, weigh buying in cash — and possibly eating into or wiping out your emergency fund — versus making affordable payments over time. Your credit. How much you use your car.

Cars 52

Cars Car Insurance Calculators 52

Prairie Eco-Thrifter

MAY 25, 2014

Or put yet another trip to Las Vegas on the credit card. I opened a retirement account during that period, but it involved a managed fund with a 2% annual fee. My rewards credit cards were feeble, and I didn’t have a plan for using them. Why I Don’t Use Credit Card Rewards Programs. Money Tips'

Money 209

Money Giving Las Vegas Credit Card Rewards 209

Family Balance Sheet

MARCH 19, 2014

We didn’t have credit card debt, we paid off our car notes early, and the interest rate on the student loan was at a low 2.75%, so we thought we were doing okay. We thought credit card debt wasn’t very smart, but a car loan? I’m sharing our plan with you because the direction of our finances has changed.

Debt 100

Debt Money Emergency Fund Goals 100

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. Also include an emergency fund and contributions to a retirement account, even if just small amounts at first. What about signs?

Emergency Fund 212

Emergency Fund Credit Cards Budgeting Budget 212

Prairie Eco-Thrifter

JANUARY 30, 2013

Some of the items that you should have available to you during an emergency include: Cash. Credit card with an adequate limit. Financial contact numbers for banks, credit issuers, insurance companies, and others. You can augment with other emergency sources as well. Think ahead, and prepare for emergencies.

Emergency Fund 211

Emergency Fund Job Loss Transportation Staying Warm 211

Prairie Eco-Thrifter

OCTOBER 15, 2011

Now without further adieu, I present you with the dozens of great reads written by Yakezie members and challengers alike this past week in our efforts to bring you timely insight on personal finance and lifestyle today. Better to refinance and sink those funds into the treasury market! Do you review your finances monthly?

October 200

October 2011 Finance Personal Finance 200

Prairie Eco-Thrifter

JUNE 4, 2013

Timing Matters in Finances. Money is taken from my connected personal line of credit, and I am charged a $5 fee, plus interest until the small loan is repaid. If I didn’t have that line of credit connected to my checking account , though, the consequences would be different. My other stopgap is the personal line of credit.

Emergency Fund 243

Emergency Fund Money Bills Credit Cards 243

Prairie Eco-Thrifter

NOVEMBER 12, 2011

Now without further adieu, I present you with the dozens of great reads written by Yakezie members and challengers alike this past week in our efforts to bring you timely insight on personal finance and lifestyle today. Personal Finance Whiz: Keynesian vs Hayekian Economics – The Solution To Our Recession? I’m a geek, he’s not.

November 188

November 2011 Personal Finance Finance 188

Prairie Eco-Thrifter

FEBRUARY 4, 2014

My husband and I were graduate students with loans and credit card debt, and we were certain that a higher income would solve all of our problems. So we re-jiggered our finances so that we only spend on things that we really enjoy, and that are really important to us. However, this isn’t always the case. I like travel.

San Francisco 248

San Francisco Emergency Fund Money Utah 248

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. After we got a taste of life without credit card debt, I wanted to pay off my student loan.

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Prairie Eco-Thrifter

OCTOBER 24, 2013

” Is most of my consumer credit dealt with? Adding another debt obligation while you are already struggling with high-interest consumer debt, can burden your finances. An emergency fund? You don’t want to end up “house poor.” It makes sense to wait to buy until your consumer debt is mostly handled.

Buy 217

Buy Buying Debt Emergency Fund 217

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. What I do is use my credit cards in conjunction with cash back apps. That is money saved.

Saving Money 52

Saving Money Money Saving Credit Cards 52

Savings Corner

DECEMBER 25, 2023

Minimum down payment required 3.5% (with a credit score of at least 580) 10% (with a credit score of 500-579) Second homes or investment properties VA and USDA loans: 0% down payment Guaranteed by the U.S. down if you have a credit score that’s at least 580. Has a program to enable buyers to make cash offers.

Insurance 52

Insurance Home Refinancing Money 52

Prairie Eco-Thrifter

MAY 26, 2016

Each year I bring them together in my Grandma Rie’s Money Camp and focus on different aspects of personal finance, with saving being a focus in each camp. If you are risk averse, you may lose sleep (and health) worrying about the safety of your finances. As part of that, we have explored compound interest.

Money 124

Money Saving Money Lowes Grandchildren 124

Prairie Eco-Thrifter

MARCH 23, 2015

Should you spend the money on that new flat screen and sound bar, or save it for the emergency fund? Educate yourself and your family in personal finance concepts. Consider not only the financial aspects, but the life enjoyment aspects as well. Life really is a journey that you only travel once.

Financial Goals 100

Financial Goals Emergency Fund Money Goals 100

Family Balance Sheet

FEBRUARY 2, 2017

I interviewed several personal finance bloggers that have conquered their past financial goals and continue to challenge themselves going forward. Maureen eliminated $79,000 of credit card and student loan debt less than 3 years. These folks didn’t corner the market on goal success either, instead they just got the task DONE.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Family Balance Sheet

AUGUST 11, 2014

The debt included overdraft protection, mattress, car, and a credit card (post divorce stress spending, clothes to accommodate the yo yo diets and weight for 2 years, a trip to Disney World & I’m sure several things that I don’t remember because I was spending without a plan). How much debt did you pay off? in 14 months.The

Debt Free 235

Debt Free Debt Mom Goals 235

Family Balance Sheet

FEBRUARY 4, 2015

I wasn’t comfortable keeping only $1,000 in an emergency fund with two little ones and just one income, so we didn’t follow that part of his plan. We also continued using debit and credit cards (paid in full multiple times per month) for the convenience of tracking our expenses online.

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Family Balance Sheet

JANUARY 21, 2015

She writes about family, finances and faith at her blog, Principles of Increase. We paid down mostly student loans, vehicles and business credit card debt ( we already own a home outright ). More diligence with finances brought in more income producing opportunities for us. Today’s debt free story is from Aja.

Debt 100

Debt Debt Free Las Vegas Finance 100

Family Balance Sheet

JUNE 8, 2018

Many years ago, our cash flow sucked, we put Christmas on a credit card, and I wasn’t sure how I was going to pay for a large tax bill. A budget might not change your circumstances, especially if the problem is income, but a budget will help prioritize the funds that are available. ” We’ve been there too.

Budgeting 133

Budgeting Budget Financial Goals Goals 133

Family Balance Sheet

JANUARY 20, 2017

She is the co-founder of the website, Little Light on a Hill , where she writes about faith, family, and finances. Be sure to check out her website where she is offering a free finance workbook if you subscribe to her newsletter. medical bills, a small credit card, both of our cars, and student loans. finances/budget/spending?

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Family Balance Sheet

FEBRUARY 3, 2016

She helps readers gain control of their finances and live well on a budget at her blog Cook with a Shoe . We paid off $7,665 worth of credit cards, school loans and a car loan. I found Dave Ramsey’s plan about a year after we had been married and finances were really tight, especially with a variable income.

Debt 100

Debt Debt Free College Finds 100

Family Balance Sheet

SEPTEMBER 29, 2016

We also had four credit cards, two lines of credit, and a car loan. Who handles the day-to-day finances in your home or do you work on it equally? How often do you and your spouse discuss your finances/budget/spending? I’m the one who handles the day to day finances in the home.

Debt 100

Debt Debt Free Budgeting Budget 100