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

Prairie Eco-Thrifter

JANUARY 1, 2013

How long could you manage if you were out of work, based on your current financial situation? If you are finding it hard financially now, imagine what would happen if you lost your job or couldn’t work for an extended period? Set up a savings account linked to your checking account and automatically transfer a set amount every payday.

Emergency Fund 272

Emergency Fund Credit Cards Personal Finance Finance 272

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 26, 2021

Do you have enough cash to cover them or would you have to rely on high-interest credit cards or a loan from your family? According to a recent survey , over half of Americans have less than $1000 in their savings and checking accounts. What helped us through that time was the money we had saved in our emergency account.

Emergency Fund 130

Emergency Fund Building 2007 Credit Cards 130

Prairie Eco-Thrifter

JUNE 22, 2014

You can’t always count on credit cards or checks being accepted. My son whipped out his credit card to pay for their meal and was stopped cold when he found out the place didn’t take credit. Credit wasn’t freely available when Mom was teaching me to live a financially responsible life.

Money 217

Money Mom Credit Cards Bank 217

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

Prairie Eco-Thrifter

MAY 26, 2016

Because we only have a week to show results, and because savings account interest rates have been near zero each year since camps started, I have routinely given the jar 50% interest. Trepidation about having the grand-kids open a savings account. Both are now old enough to open a bank savings account.

Money 124

Money Saving Money Lowes Grandchildren 124

Prairie Eco-Thrifter

MAY 20, 2014

Instead, you want to put that money to work for you so that you can enjoy life. It’s quite another to let a few thousand dollars (or even more) sit in a low-yield bank account that doesn’t serve much of a purpose. There’s a lot to be said for having your money work toward your enjoyment of life.

Money 200

Money Emergency Fund Work Advantage 200

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. We have to plan and save for it. Did you over spend?

2019 100

2019 Club Christmas 2018 100

Prairie Eco-Thrifter

JANUARY 5, 2014

“How we handle our money early in life can impact us in future years- for example, young adults who rely on credit may find themselves continuing this pattern throughout life and consumed with debt.” You should be laser focused on getting rid of any student loans or credit cards. Kimberly Foss, CFP, CPWA. Greg McBride, CFA.

Personal Finance 192

Personal Finance Finance Finance Tips Graduation 192

Prairie Eco-Thrifter

MAY 22, 2011

Regardless as to the specifics, many Americans have elected to decrease spending, increase savings and eradicate debt. Pick a plan that works for you. The plan only works when you work the plan; otherwise it’s just words on a page. Use a savings account to pay down debts. Create a budget.

Debt 157

Debt Recession Unemployment Budgeting 157

Prairie Eco-Thrifter

NOVEMBER 25, 2012

We read that we should make our money work for us but worry about making a wrong decision that could actually cost money rather than make us money. In this article we will look at the pros and cons of saving and investing, as well as reducing debt, as a means of gaining financial security. What Is Saving? Save or invest?

Money 189

Money Debt Refinancing Credit Cards 189

Coupons Do Work

OCTOBER 3, 2016

To earn $100, open a new Essential Checking account, and deposit $100 or more within 2 weeks of opening, then make at least $500 worth of qualifying direct deposits within 60 days of account opening. You must also maintain a $5,000 balance for at least 60 days after opening the checking account to be eligible for the bonuses.

Bank 100

Bank Banking 2016 Bank of America 100

Prairie Eco-Thrifter

JULY 30, 2012

The secret to financial success is actually saving small amounts regularly, even just $5 or $10 at first, and then putting these savings to work for you. Your money works for you when it is earning you interest or adding value so don’t leave it sitting in your everyday bank account.

Debt 202

Debt Budgeting Budget Finance 202

Coupons Do Work

MAY 17, 2016

Bank Rewards – Check with your local banks and credit unions as many of them offer money rewards for good grades as well ~ so fun! AOD Federal Credit Union R eport Card Rewards. America’s First Federal Credit Union Honor Dollars Bonus Program. Amazing Jakes – Free game play credits for good grades (Plano, TX).

Free Stuff 100

Free Stuff 2016 Baskin Robbins Student 100

Family Balance Sheet

APRIL 1, 2021

If you are self-employed, work for a company or in an industry that is unstable, or maybe you or someone in your family has medical issues, you might want to save 6-12 months of expenses. Now that we’ve paid off six figures of non-mortgage debt , we are working on saving 6 months’ expenses and maybe even more.

Emergency Fund 130

Emergency Fund Money Finds Friends And Family Sale 130

Coupons Do Work

SEPTEMBER 15, 2016

Of course when I graduated, I went to London, England, worked at Parliament, late met someone who inspired me to follow my dream and I remember telling him that I want to make it my life’s work to helping people and he gave me the best advice (he really is a true father figure to anyone who meets him (and that is Prince Charles.

Student 100

Student College Freebies Insurance 100

Family Balance Sheet

JANUARY 2, 2013

Unless it's paid with cash, that is one hefty credit card bill come January. According to the Washington Post and a CreditDonkey survey , "a shopper who charges about $700 on a credit card with a 13 percent interest. a "I don't have to worry, because I've saved money" Christmas. The total interest paid will. be nearly $200.".

2013 113

2013 Christmas Club January 113

Couponing 101

DECEMBER 4, 2019

You work for your money, so why shouldn’t your money work for you? 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.

Making 69

Making T-Mobile Money Goals 69

Family Balance Sheet

FEBRUARY 19, 2022

While Susan did not work outside of the home, she treated her role as the family office manager as a job and helped her family achieve financial independence over the course of her marriage. Both spouses should agree on what is expected of the FOM and they should set aside time each week to work on tasks.

Office 130

Office Family Finance Kids and Family 130

Family Balance Sheet

AUGUST 11, 2016

You work until you are 65 and then retire. Work for the same company for 35+ years. Another friend chimed in, “we’ll never stop working, retirement isn’t possible.” ” Recently Go Banking Rates conducted two studies on savings rates with startling results. Many are thinking outside the box.

Emergency Fund 100

Emergency Fund Money Finance Debt 100

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. You never realize how important work and health is until you are struggling with both, and quitting my job and going through a hard time truly humbled me.

Pay Off Debt 94

Pay Off Debt Debt Credit Cards Frugal Parenting 94

Prairie Eco-Thrifter

JANUARY 30, 2017

The New York Daily news reported that wife of Yankee ball player Alex Rodriguez’s wife ran up credit card debt of $100,000 when she found out about a dalliance between he and Madonna. In fact, the non-working spouse may have an inclination to yield to this as well. I wanted to buy a nice TV so I had to save up for it.

Money 100

Money Camping Equipment Bank Banking 100

Prairie Eco-Thrifter

JANUARY 27, 2014

You’ll have to choose from one of the options that the company you work with has. With Betterment, all you do is sign up for an account. Decide how much to invest initially and if you’d like automatic deposits made to your investment account from checking. Having Someone Invest For You. Are You Investing or Gambling?

Money 182

Money Goals Credit Cards Rewards 182

Family Balance Sheet

SEPTEMBER 25, 2019

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. In May, I made money from a yard sale and put $50 towards our Christmas savings. It was a pretty easy month to find the cash.

2019 100

2019 September Club August 100

Family Balance Sheet

OCTOBER 13, 2014

Last year, our van needed 4 new tires to pass its state inspection and our 13 year old dryer stopped working. Several years ago, our other vehicle needed new tires to pass inspection and our hot water heater stopped working. Had it not been for the money in our emergency savings, we would most likely have used credit cards to survive.

Emergency Fund 100

Emergency Fund Finance Organic Organization 100

Family Balance Sheet

JUNE 4, 2015

To many, working with a spouse would be too difficult, but our individual strengths and weaknesses complement each other and the arrangement has worked well. We crunched the numbers, spoke with our accountant, and after much deliberation and negotiation, we bought the building that summer.

Goals 100

Goals Debt Renovation Daughter 100

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). What is Upromise ? Register HERE.

College 55

College Dining Money Used 55

For the Mommas

NOVEMBER 30, 2016

The Best Cash Back Sites to Save on Holiday Shopping. Before shopping at any online merchant, I check to see what cash back sites work with the merchant. Now cashback isn’t instant savings. Maybe even use to start up a 2017 holiday savings account. Or pay off the credit cards you may have used over the holidays.

Holiday 40

Holiday Shopping Credit Cards 2017 40

Family Balance Sheet

OCTOBER 25, 2019

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. In May, I made money from a yard sale and put $50 towards our Christmas savings. It was a pretty easy month to find the cash.

2019 100

2019 October Club Christmas 100

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.

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.

Money 40

Money Credit Cards Bills Budgeting 40

Family Balance Sheet

FEBRUARY 16, 2016

If you are self-employed, work for a company or in an industry that is unstable, or maybe you or someone in your family has medical issues, you might want to save 6-12 months of expenses. Remember this account is specifically for your emergency fund. Put the money saved into your emergency fund. Dinner time is stressful.

Emergency Fund 100

Emergency Fund Money Finds Friends And Family Sale 100

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

Family Balance Sheet

MARCH 4, 2016

We both went to college, we both worked hard, and we felt like we were fairly intelligent human beings. This was the first time in our marriage where we were working TOGETHER with our money. We Rolled Up Our Sleeves and Got to Work. Between the pool routes and the overtime at work, we increased our income $2,000/month!

Debt 100

Debt Finds Debt Free Television 100

Family Balance Sheet

JANUARY 20, 2017

works in outbound sales, and I teach part-time. We have a huge heart for missions work. medical bills, a small credit card, both of our cars, and student loans. We tackled our small credit card balance, then our. friends or family to save on housing costs, and we put a little bit from. My husband. But we do love.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

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). What is Upromise ? Register HERE.

College 45

College Dining Money Used 45