Penny Pinchin' Mom

DECEMBER 17, 2023

Advantages of Paying Off Debt From a purely financial point of view, it makes more sense to focus on debt payoff rather than directing available cash to a savings account. Before I took up my Financial Reboot journey, I was more focused on growing my savings accounts as opposed to paying off debt first.

Pay Off Debt 52

Pay Off Debt Debt Emergency Fund Financial Goals 52

For the Mommas

NOVEMBER 30, 2016

The Best Cash Back Sites to Save on Holiday Shopping. I do a lot of my shopping on-line. Before shopping at any online merchant, I check to see what cash back sites work with the merchant. Now cashback isn’t instant savings. Last year, I accumulated over $400 cash back from my holiday shopping.

Holiday 40

Holiday Shopping Credit Cards 2017 40

Penny Pinchin' Mom

FEBRUARY 16, 2024

You will find first-hand experience on how expensive or easy it is to maintain, the best auto shops for that model, and a lot on the car’s reliability or best practices to enhance that reliability. Use Cash Every time you use your credit card, you are paying interest on that purchase. Let’s say, for example, $500 a month.

Cars 52

Cars Car Bank Banking 52

For the Mommas

OCTOBER 13, 2016

The Best Cash Back Sites to Save on Holiday Shopping. I know it is not even Halloween yet, but it really is time to gear up for holiday shopping. I do a lot of my shopping on-line. Before shopping at any online merchant, I check to see what cash back sites work with the merchant. Shop at Home.

Holiday 40

Holiday Shopping Credit Cards 2017 40

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. Once you’re approved, the lender will disburse money into your bank account.

Debt 52

Debt Credit Cards Credit College Tuition 52

Savings Corner

DECEMBER 27, 2023

You can get a personal loan from a bank, credit union or online lender.Personal loan amounts are from $1,000 to $100,000, and they’re typically repaid over a term of two to seven years. To qualify you, lenders look at factors including your credit score, credit report and debt-to-income ratio. What are personal loan rates?

Debt 40

Debt Home Improvement Consumer Credit 40

Saving Everyday

SEPTEMBER 15, 2012

It’s a very simple program that turns your everyday spending into a little extra savings account to help pay for your family’s college expenses or withdraw for yourself. Add your loyalty cards (Kroger, Publix, CVS, etc…) and any debit/credit cards you use (see tip below). Register HERE.

College 55

College Dining Money Used 55

Family Balance Sheet

JUNE 25, 2011

If your holiday planning went smoothly last year then you might not feel any urgency to think about Christmas 2011, but if you overspent, shopped at the last minute and paid the price well into spring then you might want to rethink this year's strategy. Did you pay cash or use a credit card to buy gifts? Are you okay with that number?

Christmas 157

Christmas Credit Cards January Budgeting 157

Saving Everyday

DECEMBER 24, 2011

It’s a very simple program that turns your everyday spending into a little extra savings account to help pay for your family’s college expenses or withdraw for yourself. Add your loyalty cards (Kroger, Publix, CVS, etc…) and any debit/credit cards you use (see tip below). Register HERE.

College 45

College Dining Money Used 45

Family Balance Sheet

JANUARY 2, 2013

Another Christmas has passed by and while the memory of the Christmas shopping and spending is still lingering in my head, I've come up with a plan for all of us to start saving for 2013. Unless it's paid with cash, that is one hefty credit card bill come January. a "I don't have to worry, because I've saved money" Christmas.

2013 113

2013 Christmas Club January 113

Prairie Eco-Thrifter

MAY 22, 2011

Sometimes shopping around may be an easy fix. Use a savings account to pay down debts. Once you have devised a monthly budget, you can properly account for household income and expenditures. The monthly surplus will become the funding source for debt reduction and savings. That’s where a budget comes in handy.

Debt 157

Debt Recession Unemployment Budgeting 157

For the Mommas

JULY 13, 2016

Another common mistake that people make is not having some type of savings account or rainy day fund. Only paying the minimum on your credit card balance. Just because credit card companies only require you to pay a minimum amount each month doesn’t mean that you are not allowed to pay more. Savingstar. SmartSource.

Money 40

Money Credit Cards Bills Budgeting 40

For the Mommas

JULY 13, 2016

Another common mistake that people make is not having some type of savings account or rainy day fund. Only paying the minimum on your credit card balance. Just because credit card companies only require you to pay a minimum amount each month doesn’t mean that you are not allowed to pay more. Savingstar. SmartSource.

Money 40

Money Credit Cards Bills Budgeting 40

Prairie Eco-Thrifter

JANUARY 30, 2013

We wouldn’t have to worry as much about shopping (although we’d probably spend a few bucks a week on fresh produce and milk) while we looked for other income sources. Credit card with an adequate limit. Credit card with an adequate limit. However, I also keep emergency funds in a taxable investment account.

Emergency Fund 211

Emergency Fund Job Loss Transportation Staying Warm 211

Family Balance Sheet

SEPTEMBER 25, 2019

This is money I earned from my Christmas shopping last year, so it’s appropriate that I apply it to my Christmas savings. I had amassed $70 and thought it was a perfect addition to our Christmas account. In April, we received a small tax refund and I put $100 of our refund into our Christmas Savings account.

2019 100

2019 September Club August 100

Family Balance Sheet

FEBRUARY 19, 2022

There’s a yearly fee and a learning curve, but I love YNAB and it helps me stay on budget and financially organized with our day-to-day checking and savings accounts. Shop around for the best price for our big expenses, such as auto and home insurance, medical needs, and mortgage. Pay our bills in a timely manner.

Office 130

Office Family Finance Kids and Family 130

Family Balance Sheet

APRIL 1, 2021

Now that we’ve paid off six figures of non-mortgage debt , we are working on saving 6 months’ expenses and maybe even more. Consider setting the money aside in a savings account that isn’t immediately accessible and doesn’t have an ATM attached to it This will help to avoid any impulsive non-emergency spending.

Emergency Fund 130

Emergency Fund Money Finds Friends And Family Sale 130

Prairie Eco-Thrifter

MAY 29, 2013

For those who prefer to pay with cash and avoid the credit card debt cycle altogether, building a solid credit history and high FICO score can be a challenge – but it doesn’t have to be. Only a small portion of your FICO score is based on having and using revolving credit. Where Credit Scores Come From. Payments – 35%.

Credit Cards 234

Credit Cards Credit Building Rent 234

Saving Cents With Sense

JANUARY 24, 2012

Even though I’m better now, I’m stuck with the debt of when I had to put bills and other expenses on my credit cards when I wasn’t working. I admit it’s still a struggle for me to use my work funds to pay my credit cards instead of going shopping and getting things that I wasn’t able to have for a while.

Pay Off Debt 94

Pay Off Debt Debt Credit Cards Frugal Parenting 94

Couponing 101

DECEMBER 4, 2019

If you keep your money in a high-yield savings account, you might be able to get around 2% interest. Link debit or credit cards to your Acorns account, and Acorns will round up your purchases, investing those extra pennies for you. Because of this, Acorns might be a good choice for people who prefer spending to saving.

Making 69

Making T-Mobile Money Goals 69

Family Balance Sheet

OCTOBER 25, 2019

This is money I earned from my Christmas shopping last year, so it’s appropriate that I apply it to my Christmas savings. I had amassed $70 and thought it was a perfect addition to our Christmas account. In April, we received a small tax refund and I put $100 of our refund into our Christmas Savings account.

2019 100

2019 October Club Christmas 100

Saving Everyday

FEBRUARY 5, 2011

It is a program that turns your everyday spending into a little extra savings account to pay for your kid’s college, your student load or withdraw for yourself : Register HERE – It’s FREE! Add your loyalty cards (Kroger, Publix, CVS, etc…) and any debit/credit cards you use (see tip below).

College 68

College Money Credit Cards Kids and Family 68

Family Balance Sheet

MARCH 15, 2017

We did take advantage of one benefit of a high deductible health plan: a Health Savings Account. A Health Savings Account (HSA) is for individuals who are covered under high-deductible health plans (HDHPs) to save for medical expenses that HDHPs do not cover. Title Image credit.

Health Insurance 100

Health Insurance Insurance Health 2003 100

Saving Everyday

JUNE 4, 2011

It is a program that turns your everyday spending into a little extra savings account to pay for your kid’s college, your student load or withdraw for yourself : Register HERE – It’s FREE! Add your loyalty cards (Kroger, Publix, CVS, etc…) and any debit/credit cards you use (see tip below).

College 58

College June Credit Cards Money 58

Saving Everyday

NOVEMBER 2, 2011

It is a program that turns your everyday spending into a little extra savings account to pay for your kid’s college, your student load or withdraw for yourself : Register HERE – It’s FREE! Add your loyalty cards (Kroger, Publix, CVS, etc…) and any debit/credit cards you use (see tip below).

College 59

College November Money Credit Cards 59

Saving Everyday

APRIL 2, 2011

It is a program that turns your everyday spending into a little extra savings account to pay for your kid’s college, your student load or withdraw for yourself : Register HERE – It’s FREE! Add your loyalty cards (Kroger, Publix, CVS, etc…) and any debit/credit cards you use (see tip below).

College 55

College April Credit Cards Money 55

Saving Everyday

JULY 6, 2011

It is a program that turns your everyday spending into a little extra savings account to pay for your kid’s college, your student load or withdraw for yourself : Register HERE – It’s FREE! Add your loyalty cards (Kroger, Publix, CVS, etc…) and any debit/credit cards you use (see tip below).

College 45

College Money Credit Cards Kids and Family 45

For the Mommas

JULY 27, 2016

Set up a high-interest savings account and be methodical about regularly contributing. Learning to make sacrifices early on and creating long-term saving habits can make a big difference on how long you are able to stay home with your new baby. Use this time to put money aside every payday while you’re still earning an income.

Baby 40

Baby Debt Credit Cards Phone Service 40

Family Balance Sheet

FEBRUARY 16, 2016

Being self-employed, we have a higher starter fund on hand and when we pay off our non-mortgage debt, we will save to at least 6 months expenses and maybe even more. Remember this account is specifically for your emergency fund. Collect your bills and start shopping around for new vendors. Bringing in Extra Money.

Emergency Fund 100

Emergency Fund Money Finds Friends And Family Sale 100

Penny Pinchin' Mom

FEBRUARY 16, 2024

Do you have a retirement plan or a healthy savings account? 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.

Money 52

Money Insurance Debt Bulk 52

Prairie Eco-Thrifter

MARCH 4, 2015

If you decide to take on debt, shop around for the best rate, including any fees that come along with it. The only debt we have is temporary – credit card charges that we pay off each month so we don’t get charged any interest. You will be feeding it instead. Ask yourself if you are borrowing at the best rate. Not really.

Debt 100

Debt Used Money IBM 100

Family Balance Sheet

JANUARY 20, 2017

medical bills, a small credit card, both of our cars, and student loans. We tackled our small credit card balance, then our. myself from myself and stopped going out to shop and peruse and just “pick. What are your top 3 – 5 tips for saving money/pinching pennies to put. each check into a savings account.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

The Frugal Girl

MARCH 4, 2024

We live on the side of a small mountain in a quiet, rural town, but we’re less than 20 miles from a city of about 25,000 people and its shopping and dining opportunities. I learned to save money by watching my parents. (I I still remember saving my change as a kid so I could “shop” for books at yard sales.) Made me proud!

Green And Frugal 179

Green And Frugal Kids and Family Hotel Frugal 179

Family Balance Sheet

MARCH 4, 2016

No more shopping, no more random Target trips, no more Home Depot weekends, and no more cable television. We haven’t taken out a penny of debt since November 2011 (nor will we ever), we don’t have a credit card (and we are still alive), and we are saving money at an incredible pace. We Rolled Up Our Sleeves and Got to Work.

Debt 100

Debt Finds Debt Free Television 100

Prairie Eco-Thrifter

AUGUST 19, 2012

Consider it insurance and don’t fret that it’s only earning measly interest in a savings account. Credit card debt remains at an all time high; this is the first debt to attack and get under control. Limit your exposure by aggressively attacking your credit card balances, focusing on one at a time. I’m sure everyone.

Emergency Fund 222

Emergency Fund Insurance Debt Credit Cards 222

Prairie Eco-Thrifter

SEPTEMBER 25, 2014

I’ve gotten into the habit of logging on to my bank account and credit card accounts when I first wake up and open the computer. Knowing what your balances are (ie, how much you have in your account or owe on your credit card) is key to intuitively knowing when you may need to be a bit more frugal.

Making 192

Making Emergency Fund Saving Debt 192

Prairie Eco-Thrifter

JUNE 18, 2021

Look at the last six months of your credit card statements along with your bank statements to review what cuts to make to reduce expenses. For instance, if you regularly order takeout or splurge on delivery services, you will want to create a grocery shopping plan for more home-cooked meals. Look at your current savings as well.

Insurance 100

Insurance Re-use Delivery Service Family 100