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

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

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. Yes or No.

Financial Goals 174

Financial Goals College Tuition Goals Credit Cards 174

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.

Finance 100

Finance Cleaning Financial Goals Goals 100

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. Check your Credit Report. Order online from annualcreditreport.com, the only authorized website for free credit reports, or call 1-877-322-8228.

Finance 130

Finance Cleaning Goals Insurance 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

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

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

Family Balance Sheet

APRIL 1, 2015

It was all consumer debt spread over 5 credit cards. After trying to extend credit to finance the vacation and we were denied (best thing to ever happen to us) we realized we made too much money to be living like this and something had to change. We cut up our credit cards and never used them again. What kind of debt was it?

Debt 100

Debt Credit Cards Debt Free Credit 100

Family Balance Sheet

JUNE 30, 2015

As part of Prudential’s Women Inspired campaign, I was encouraged to think about my dreams detailing my long-term goals and aspirations. I broke my goals into two categories: Financial and Personal. Our Financial Goals: Pay off our non-mortgage debt. Start saving for college. photo credit.

Financial Goals 100

Financial Goals Debt Goals Emergency Fund 100

Prairie Eco-Thrifter

MARCH 23, 2015

Set your financial goals together and you both will be more likely to stick to them. Weigh each decision against your financial goals. Should you spend the money on that new flat screen and sound bar, or save it for the emergency fund? Consider not only the financial aspects, but the life enjoyment aspects as well.

Financial Goals 100

Financial Goals Emergency Fund Money Goals 100

Family Balance Sheet

OCTOBER 16, 2017

I could talk all day about personal finance and money-saving strategies, but my husband, while very responsible with money, just doesn’t feel the same way. The spreadsheet listed our short-term and long-term account balances, our debts, and our short-term and long-term financial goals. It was tricky at first.

Family 100

Family Financial Goals Debt Calculators 100

Family Balance Sheet

FEBRUARY 19, 2022

Today at age 50+, I still optimize our cash flow, but my focus is shifting towards saving with our daughters’ future education costs, building our net worth, and planning for our retirement years. Manage long-term savings, such as retirement, college savings. Create our family’s financial goals and Debt Freedom Plan.

Office 130

Office Family Finance Kids and Family 130

Family Balance Sheet

APRIL 19, 2016

She writes at her personal finance website, And Then We Saved. It was a mix of college loans, a personal loan from my parents (for college), an overdraft account, and credit card debt. 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?

Credit Cards 100

Credit Cards Debt Free College Debt 100

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

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

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

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

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

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

Saving Cents With Sense

APRIL 25, 2013

The rise of mobile technology has led to another, cost-effective trend: money-saving apps. Here are our top picks for smartphone apps that really will save you money. This free award-winning app offers up-to-date information on your account balances, budgeting and transactions so you can make better financial decisions.

Money 75

Money Financial Goals Saving Phones 75

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

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

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. personal saving rate bottomed out at around 1% in the third quarter of 2005. billion in March.

Spendthrift 100

Spendthrift Economical Consumer Recession 100

Family Balance Sheet

APRIL 2, 2022

Once you have a total, you know the amount you need to start saving for and it’s not too late to find the funds. Front-Yard Landscaping: 15 Tips To Help You Design Your Landscape and Save Money. That number is what you need to save each month for next year. Put it all on the spreadsheet and list a projected expense.

Budgeting 130

Budgeting Budget Friends And Family Sale Home and Garden 130

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

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

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

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? What inspired you to get debt free?

Debt 245

Debt Debt Free Finance Friends And Family Sale 245

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

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

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? How much debt did you pay off?

Debt 100

Debt Debt Free Finds Goals 100

Family Balance Sheet

JANUARY 1, 2015

My husband and I make some financial goals at the start of every year. I’ll continue to offer additional money saving tips, ideas, strategies and recipes like I always have, but I have some new themes that I will be starting next week. This should start next week and my goal is to post on Fridays. How We Saved.

2015 100

2015 Money Debt Home and Garden 100

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

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

Prairie Eco-Thrifter

MARCH 10, 2013

Good decisions can result in your ability to get a better job, make more money, save more money, invest for gain and other steps that help you end up in financial plus land. Do a financial analysis to determine if buying a home will move you towards your financial goals or away from them. Research your options.

Making 240

Making Home Financial Goals At&T 240