Family Balance Sheet

JANUARY 19, 2012

As I planned my goals for 2012, I realized that I made only one goal for myself in 2011. I was racing to beat my personal goal of a 10 minute mile pace. Over the course of 2011, I learned some lessons about myself and how I respond to goals. 5 Steps to Succeeding Your Goals. 5 Steps to Succeeding Your Goals.

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Goals Dairy Queen 2011 2012 127

Family Balance Sheet

MARCH 11, 2021

Review your Yearly Goals. On January 1st, many of us are very gung-ho about writing goals but are we as enthusiastic about those goals on March 12? 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. Check your Credit Report.

Finance 130

Finance Cleaning Goals Insurance 130

Family Balance Sheet

JUNE 4, 2015

We paid our bills on time, never carried credit card debt from month to month, but in that moment we could not pay our bills. At my age, my parents had 20 years of kid-free living ahead of them to focus on their own career goals and to save for their retirement. My husband and I have always felt financially responsible.

Goals 100

Goals Debt Renovation Daughter 100

Motherhood Moments

DECEMBER 26, 2022

As the year wraps up, it’s natural to think about your goals — professionally, personally, and financially. Prior to joining the credit union, Jeff served as CFO of another credit union, having previously provided audit services in the industry. Jeff has been with Direct for 15 years.

Personal Finance 100

Personal Finance Finance Money Debt 100

Savings Corner

DECEMBER 24, 2023

Simply fill in your outstanding loan amounts, credit card balances and other debts. Try adjusting the terms, loan types or rate until you find a debt consolidation plan that fits your goals and budget. The goal is to streamline payments, lower interest, and pay off debt more quickly.

Debt 52

Debt Calculators Credit Cards Credit 52

Penny Pinchin' Mom

JANUARY 16, 2024

Have Specific Financial Goals Financial planning is the key to financial success. You need to have very specific financial goals; what do you need to achieve by which date? 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

Savings Corner

APRIL 4, 2024

Personal loans are becoming more popular among people looking to consolidate debt and find lower interest rates than credit cards. Average personal loan interest rates by credit score People with good or excellent credit may find average loan interest rates in the low double digits. percent as of March 27, 2024.

Debt 52

Debt Bank Banking Credit 52

Family Balance Sheet

JULY 10, 2023

My goal has always been to live well on less while achieving our big financial goals. We are in what I call our “shovel season of life” Our oldest daughter leaves for college in the fall of 2024 and we have a big savings goal to hit before then. 4 – Credit Card Rewards – $241.78

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Frugal June Flights CD 100

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

Penny Pinchin' Mom

DECEMBER 17, 2023

So, you want to get started on debt repayment so you can focus on other financial goals? Doing this actually gave me the peace of mind that I needed to focus on my financial goals. Your positive credit report will encourage other lenders to grant similar facilities. The post The Age Old Question: Should You Pay Off Debt or Save?

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Pay Off Debt Debt Emergency Fund Financial Goals 52

Family Balance Sheet

MAY 4, 2021

Credit Card Cash Back Redemptions in April: $439.62. Years ago during our Debt Freedom Plan, I avoided using credit cards, not because we had credit card debt, but I was trying to limit our overall spending. However, once we paid off all of that debt, I started playing the credit card game. in credit card points.

April 130

April Money Credit Cards Donation 130

Family Balance Sheet

DECEMBER 29, 2020

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. Financial Goals – Use this spreadsheet to quantify your financial goals for the current year and years to come.

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Budget Budgeting Family Property Taxes 130

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. Hopefully, that’s your goal too. 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.

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Christmas Finds Friends And Family Sale Donation 130

Family Balance Sheet

OCTOBER 15, 2021

My oldest was in eighth grade and one of my goals for 2020 was to start saving consistently for both daughters’ college education. My Upromise strategy will help with our goal. 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.

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College Used 2020 Saving 130

Family Balance Sheet

AUGUST 6, 2022

Our financial goals are still important to us and we want to hit them regardless of the rising prices. Credit Card Cash Back Redemptions in July: $196. Years ago during our Debt Freedom Plan, I avoided using credit cards, not because we had credit card debt, but because I was trying to limit our overall spending.

July 130

July Frugal Credit Cards Donation 130

Motherhood Moments

MARCH 4, 2023

Start by evaluating your needs versus your wants, and make sure your spending aligns with your goals and values. on your credit card. Make smart choices with credit. Credit can be a valuable tool when used wisely, but it can also quickly lead to debt if you're not careful. Be frugal—live below your means.

Debt 130

Debt Money Building Credit Cards 130

Family Balance Sheet

APRIL 2, 2021

I donated plasma 5 times in March which is short of my goal of 8 times. Credit Card Cash Back: $175. I redeemed $175 for gift cards from our business credit card’s cashback program. We use this credit card for almost all of our business expenses and we pay it off every month. Plasma earnings: $207.

March 130

March Money Donation Credit Cards 130

Family Balance Sheet

AUGUST 21, 2020

My Excel spreadsheet listed our short-term and long-term account balances, our debts, and our short-term and long-term financial goals. Liabilities: Liabilities are what you OWE money on, such as car loans, student loans, credit card balances, and mortgage balances. Having everything on one page made our money discussions much easier.

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Family Debt Finance Kids and Family 241

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.

Saving Money 52

Saving Money Money Saving Credit Cards 52

Nicoles Nickels

JANUARY 29, 2012

Credit Sesame is a 100% free personal finance credit and debt management tool with no credit card required or trial period. Credit Sesame makes managing personal credit online, owing less in interest and saving on mortgage, loan & credit card payments easy!

Credit 45

Credit Debt Credit Cards Personal Finance 45

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

MARCH 12, 2015

Review your Yearly Goals. On January 1st, we’re so gung-ho about writing goals, but are we just as enthusiastic about those goals on March 11? Refresh your memory with what you were thinking at the beginning of the year and review your yearly financial goals. When reviewing your goals, did you use the S.M.A.R.T.

Finance 100

Finance Cleaning Financial Goals Goals 100

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. FREE Shredding!

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August Frugal Green And Frugal Financial Goals 130

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.

Debt 199

Debt Fridays Personal Finance Goals 199

Savings Corner

APRIL 4, 2024

Just like any other loan, you apply for refinancing, which includes a thorough check of your credit, income, employment history and finances. Homeowners who have improved their credit score or lowered their debt-to-income ratio, for example, might be eligible for a better rate today if they refinance.

Calculators 40

Calculators Refinancing Insurance Homeowner Insurance 40

Koupon Karen

JANUARY 15, 2024

Lines Of Credit: These offer a pool of funds that you can draw from as needed. Merchant Cash Advances: These provide an advance against future credit card sales. For example, if expanding into a new market, this goal dictates your borrowing needs. Understand Your Needs: Identify the specific purpose of the loan.

Family 52

Family Finance Debt Monitors 52

Savings Corner

APRIL 4, 2024

Best mortgage refinance lenders Lender Credit requirements Bankrate Score Better 620 for conventional loans, 580 for FHA loans 4.6 PenFed Credit Union 650 for conventional loans, 700 for jumbo loans, 620 for FHA loans 4.7 PenFed Credit Union 650 for conventional loans, 700 for jumbo loans, 620 for FHA loans 4.7

Refinancing 40

Refinancing Bank Banking Credit 40

Family Balance Sheet

APRIL 19, 2016

It was a mix of college loans, a personal loan from my parents (for college), an overdraft account, and credit card debt. If married, who initiated the debt free goal? What are your financial goals now? The post Find out how Anna paid off $23,605 in college, personal loans, and credit cards. How long did it take you?

Credit Cards 100

Credit Cards Debt Free College Debt 100

Penny Pinchin' Mom

FEBRUARY 16, 2024

Narrow Down a Price Range If you are going to save money , you need to have a target savings goal in mind that you can work toward. Use Cash Every time you use your credit card, you are paying interest on that purchase. Try using cash as much as possible for your purchases and work on that savings goal.

Cars 52

Cars Car Bank Banking 52

Couponing 101

MAY 28, 2019

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. Setting financial goals can help children save by showing them that saving can help them work towards something bigger and better. Since an estimated 55% of U.S.

Saving Money 84

Saving Money Money Simple Financial Goals 84

For the Mommas

JANUARY 23, 2013

According to the Wall Street Journal, 88% of resolutions fail, so the key here is to set small, achievable goals that add up to a whole lot of savings. There are websites out there that will allow you to set a goal. One of the easiest and most overlooked ways to spend less is by re-evaluating your debt and improving your credit score.

Monitors 40

Monitors Credit Debt Consumer 40

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. photo credit. Celebrate with a trip to Walt Disney World.

Financial Goals 100

Financial Goals Debt Goals Emergency Fund 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. If you didn't make any goals in January, take some time to plan for the balance of the year.

Finance 127

Finance Financial Goals Goals Credit 127

Family Balance Sheet

NOVEMBER 25, 2013

We’ve worked hard over the last 11 months to scrimp and save our monthly goal so that we can have a cash Christmas. This idea came to me last January when I received our credit card statement in the mail that had all of our Christmas purchases on it. Did you make your yearly goal? That is quite an accomplishment.

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Club November Christmas Credit Cards 100

Family Balance Sheet

JANUARY 25, 2019

Did you use cash or put your purchases on a credit card? But if those gifts were paid with a credit card that doesn’t get paid off as soon as the bill arrives, any savings from store sales, coupons, and/or rebates might be negated from the interest accrued. How did you do with your Christmas spending in 2018? Did you over spend?

2019 100

2019 Club Christmas 2018 100

Savings Corner

DECEMBER 25, 2023

Setting retirement goals When it comes to retirement planning, it’s hard to meet goals you haven’t set. An IRA, or individual retirement account, is a tax-advantaged account that savers open on their own through a bank, credit union or brokerage. A 457 plan is offered to government workers.

Calculators 40

Calculators 401K Taxes Goals 40

Prairie Eco-Thrifter

DECEMBER 7, 2014

(Photo credit: Wikipedia). Around since just before the financial crash, peer lending got the same black-eye as all credit when the bubble burst on sub-prime loans. Borrowers with very good credit can get an APR as low as 6.7% Credit is a tool in personal finance. Online lending has jumped over the last year.

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Debt Personal Finance Finance Credit 188