Family Balance Sheet

SEPTEMBER 17, 2021

In fact, it was one of my 2020 financial goals. I’m not sure why I didn’t complete it in 2020, since I had more free time than usual, but I finally got the project done in 2021. Credit cards. My husband is many things, but he is not a mind-reader, so creating this binder was on my to-do list for some time.

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Family Financial Goals 2020 Insurance 130

Family Balance Sheet

MARCH 9, 2018

One January, we received a very large credit card bill in the mail. I knew it was coming, because we hadn’t planned for all of the gifts we bought in December and used a credit card to pay for them. You might already have this spreadsheet, since it’s free for joining my newsletter community.

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Budgeting Budget Family Property Taxes 160

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. Thanks for reading.

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Finance Financial Goals Goals Credit 127

Family Balance Sheet

MARCH 11, 2021

Do our goals still make sense now that we’re in the trenches of the new year? Take some time to review your yearly financial goals. SMART goals are: S – specific. Related Reading: I offer a FREE excel download to my email subscribers. Check your Credit Report. Did you use the S.M.A.R.T. R – realistic.

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Finance Cleaning Goals Insurance 130

Family Balance Sheet

OCTOBER 16, 2017

The spreadsheet listed our short-term and long-term account balances, our debts, and our short-term and long-term financial goals. I offer this FREE spreadsheet to community. We are working towards some pretty big financial goals and we’ve hit quite a few already. Want a FREE balance sheet Excel Spreadsheet?

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Family Financial Goals Debt Calculators 100

Family Balance Sheet

MARCH 12, 2015

Refresh your memory with what you were thinking at the beginning of the year and review your yearly financial goals. You’re now in the trenches of the new year, do those goals still make sense? When reviewing your goals, did you use the S.M.A.R.T. Check your Credit Report. photo credit. R – realistic.

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Finance Cleaning Financial Goals Goals 100

Family Balance Sheet

APRIL 1, 2015

Today’s Debt Free Story is from Brian. We have involved our children in our money discussion once we decided to become debt free. It was all consumer debt spread over 5 credit cards. What inspired you to get debt free? We cut up our credit cards and never used them again. Tell us about you and your family.

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Debt Credit Cards Debt Free Credit 100

Family Balance Sheet

AUGUST 21, 2020

Become an email subscriber and get a FREE Family Balance Sheet Excel Spreadsheet download. My Excel spreadsheet listed our short-term and long-term account balances, our debts, and our short-term and long-term financial goals. Create your own Family Balance Sheet: I offer a spreadsheet free to email subscribers.

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Family Debt Finance Kids and Family 241

Family Balance Sheet

SEPTEMBER 9, 2014

Welcome to Debt Free Stories. Quitting my job is one of the things being debt free has enabled us to do. If you want to become debt free, I’m here to tell you it is TOTALLY worth all the time, effort, and frustration. When we first started we couldn’t have even conceived of becoming completely debt free.

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Debt Debt Free Pay Off Debt Financial Goals 236

Family Balance Sheet

JUNE 30, 2015

I broke my goals into two categories: Financial and Personal. Our Financial Goals: Pay off our non-mortgage debt. Continue to live debt free with the ability to travel more, give more, pursue our passions. Continue to live debt free with the ability to travel more, give more, pursue our passions. Achievable?

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Financial Goals Debt Goals Emergency Fund 100

Prairie Eco-Thrifter

MAY 30, 2012

Having Multiple Credit Cards Buying with credit cards leads to spending more than you earn and we all know where that leads. Interest rates on credit cards are usually the highest around so you are actually paying many times what the item is worth. If anything happened to you, what would happen to the household?

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Money Emergency Fund Debt Financial Goals 235

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. You can even use a budgeting app if you need a little more support reaching your financial goal.

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Saving Money Money Saving Credit Cards 52

Family Balance Sheet

APRIL 19, 2016

Today’s Debt Free Story is from Anna. She is on a mission to help others become debt free. It was a mix of college loans, a personal loan from my parents (for college), an overdraft account, and credit card debt. What inspired you to get debt free? If married, who initiated the debt free goal?

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Credit Cards Debt Free College Debt 100

Family Balance Sheet

DECEMBER 10, 2014

Today’s Debt Free Story is from Carrie. 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. It took just over a year (14 months to be exact) before I paid off all my debts and became debt free! What inspired you to get debt free?

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Debt Debt Free Financial Goals Goals 227

Family Balance Sheet

MARCH 6, 2012

The offer of a free spreadsheet is still available, just head over the the Family Balance Sheet page for more details. Make Clear Financial Goals {Together}. Take some time to discuss your family and marriage's financial goals. Do you want to eliminate your credit card debt? Or buy a home?

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Money Financial Goals Goals Kids and Family 225

Family Balance Sheet

FEBRUARY 19, 2022

We have been in our home for over 20 years and I’ve refinanced for better rates at least five times, mostly for free. Create our family’s financial goals and Debt Freedom Plan. While our setup has helped us achieve many of our financial goals, we have made many mistakes over the years.

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Office Family Finance Kids and Family 130

Prairie Eco-Thrifter

JANUARY 7, 2015

Having this information in your arsenal will make the next step of setting monthly money goals far easier, because you’ll have a good idea of where you are financially, including what areas need improvement. Set Monthly Money Goals. Question every single expense: do you really use the service?

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Goals Financial Goals New Year's Budgeting 100

Family Balance Sheet

MARCH 4, 2015

Today’s Debt Free Story is from Maureen. She writes at A Debt Free Stress Free Life. Besides writing on my personal finance blog, A Debt Free Stress Free Life, I’m an adjunct professor at a local college and own a residential and commercial cleaning business. in credit card debt, and an additional $28,756.17

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Debt Credit Cards Debt Free Student 100

Family Balance Sheet

FEBRUARY 4, 2015

Today’s Debt Free Story is from Shannon. Living on two-incomes, we could have easily paid off our debt quickly, but we had no idea at the time that “debt free” was even a thing. Read more about Shannon’s debt free journey. What inspired you to get debt free? She writes at Growing Slower.

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Debt Free Debt Financial Goals Budgeting 100

Savings Corner

DECEMBER 24, 2023

Get started: Define your personal and financial goals. 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. Your bank or credit card company might offer free access to your score or credit report, too.

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Real Estate Buy Buying Credit 52

Family Balance Sheet

AUGUST 11, 2014

Welcome to Debt Free Stories. My daughter and I are gluten free due to celiac and changing to a healthy grain free sugar free way of cooking has become a big passion of mine over the last couple of years. What inspired you to get debt free? I was inspired to get debt free for 2 main reasons: 1.

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Debt Free Debt Mom Goals 235

The Frugal Girl

MARCH 4, 2024

A lot of blood, sweat, and tears were shed here, but we both agree that having no mortgage gave us a serious leg up on our retirement savings and other financial goals. Alan’s Lifetime Senior National Parks Pass allows us free entry in the National Parks we love and provides a 50% discount on camping fees in federal campgrounds.

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Green And Frugal Kids and Family Hotel Frugal 175

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. Thursday: Parmesan chicken tenders , mashed potatoes, steamed broccoli, homemade sugar-free applesauce. Free Date Night! Ebates is FREE and super easy to use.

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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? We thought we were doing really well. That’s a necessity.

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Debt Emergency Fund 2019 Debt Free 130

Family Balance Sheet

APRIL 2, 2022

It’s FREE and each playground visit is a new experience with different kids to play with and different equipment to explore. Visit a State Park – Do you like to picnic, hike, swim, camp, bike, bird watch, canoe, fish, and spend your free time exploring the great outdoors? Visit a different playground each week.

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Budgeting Budget Friends And Family Sale Home and Garden 130

Family Balance Sheet

NOVEMBER 19, 2014

Today’s Debt Free Story is from Amanda & Daniel. Together they blog about becoming debt free and location independence in order to serve the world at Life with a Mission. The debt included about $30,000 in student loans, some medical debt, IRS debt, and a small amount on a credit card. Who initiated the debt free goal?

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Debt Debt Free Finance Friends And Family Sale 245

Family Balance Sheet

SEPTEMBER 20, 2016

The segment was so inspiring that I reached out to her to see if she would participate in the Debt Free Stories series. She hosts a You Tube channel, The Former Mrs. Jones , where she vlogs about budgeting, debt free living, and family life. Meet the Former Mrs. Jones: Her Debt Free Story. What inspired you to become debt free?

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Debt Debt Free Bath and Body Works Gas 100

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!

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Money Giveaway Goals Debt 269

Prairie Eco-Thrifter

JULY 31, 2014

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. When you were a college student, you may have learned a painful lesson about credit. Credit card offerings to college students used to be ubiquitous.

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Debt College Student Money 167

Penny Pinchin' Mom

MARCH 11, 2024

Unfortunately, many of us head out to the grocery stores armed with nothing but our credit card and a rough idea of what we need. This can ultimately lead to substantial savings that can go toward your financial goal and keep you from being wasteful. With a meal plan, you will only get what you need. Camping maybe?

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Saving Money Money Mom Used 52

Prairie Eco-Thrifter

MARCH 8, 2017

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. Don’t use a high interest, annual fee credit card without redeeming qualities. Discuss and agree on financial goals within your family.

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Finance Growing Flowers and Plants Gardening 133

Prairie Eco-Thrifter

JANUARY 10, 2017

As a result, many people learned the hard way that having a solid financial background in times of stress is so important. History has shown us, though, that good times, easy money and easy credit can quickly change us into spenders. To be financially free, you have to stay the course financially.

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Spendthrift Economical Consumer Recession 100

Family Balance Sheet

MARCH 18, 2015

Today’s Debt Free Story is from Ruth. We thankfully have always been good about paying off our credit cards each month. What inspired you to get debt free? We started making a monthly cash budget and paying with cash instead of credit or debit cards. If married, who initiated the debt free goal?

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Family Balance Sheet

JUNE 16, 2015

Today’s Debt Free Story is from Lydia. She blogs about living a limitless life on a limited budget at Frugal Debt Free Life. We paid off $36,000 in student loans, credit cards, cars and a bit of medical debt. What inspired you to get debt free? Decide here and now what your goals are and write them down.

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Debt Debt Free Finds Goals 100

Family Balance Sheet

JULY 22, 2015

Today’s Debt Free Story is from Deacon. He is a financial coach and blogs at Well Kept Wallet. It consisted of student loans, a car loan and even some credit card debt. What inspired you to get debt free? If married, who initiated the debt free goal? How did you celebrate when you became debt free?

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Debt Debt Free Finance Finds 100

Prairie Eco-Thrifter

JULY 4, 2011

They are also there working with you to help you reach your goals; even those financial goals. Your City or County May Have Free Money For You. Often times, home buyers may not be aware that free money for a down payment on a house is still available for qualified buyers. I wish we had some of these in Canada.

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Personal Finance Finance Family Debt 240

Family Balance Sheet

SEPTEMBER 29, 2016

I watched her and her husband’s debt free scream on The Dave Ramsey Show. Angela & Jeff’s Debt Free Story. We’re typical Canadians that spend most of our free time in the fall and winter months inside arenas. We also had four credit cards, two lines of credit, and a car loan. Meet Angela.

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Debt Debt Free Budgeting Budget 100