Family Balance Sheet

OCTOBER 18, 2019

Our Debt Freedom Plan has been a long winding road. The journey started in 2012 when we bought an office building for our business and then found ourselves with a lot of debt and not enough cash flow. To ease my anxiety about our new loans, we took the Financial Peace University home course and it changed how we thought about debt.

Debt 100

Debt 2019 Financial Goals Emergency Fund 100

Family Balance Sheet

NOVEMBER 5, 2014

Welcome to Debt Free Stories. Include anything that you’d like to add to give the reader an idea about your personality. How much debt did you pay off? What kind of debt was it? The debt consisted of my student loans and a car loan. What inspired you to get debt free? Make paying off debt a priority.

Debt Free 241

Debt Free Debt Emergency Fund Finance 241

Family Balance Sheet

FEBRUARY 22, 2011

What got us through.our emergency fund. Had it not been for the money in our emergency savings, we would most likely have used credit cards to survive. We reduced our spending where we could, but the money to pay any shortfall each month came from our emergency fund. How Much Do You Need in an Emergency Fund?

Emergency Fund 127

Emergency Fund 2007 Personal Finance Debt 127

Family Balance Sheet

SEPTEMBER 9, 2014

Welcome to Debt Free Stories. She and her husband paid off $147,000 in debt–including their home. After paying off the debt, she was able to quit her job to pursue her passion. She blogs at The Debt Myth. Include anything that you’d like to add to give the reader an idea about your personality.

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Family Balance Sheet

MARCH 19, 2014

Prior to FPU, we thought we were doing well financially and never considered that we had too much debt. We didn’t have credit card debt, we paid off our car notes early, and the interest rate on the student loan was at a low 2.75%, so we thought we were doing okay. But Dave Ramsey’s view of debt is very different.

Debt 100

Debt Money Emergency Fund Goals 100

Penny Pinchin' Mom

DECEMBER 17, 2023

By that, I mean you have created a weekly, monthly, and even annual budget, or you’ve taken the time to go through my Financial Reboot Course to give yourself an excellent chance to reign in your finances. It should be 6x that, and then you have your minimum emergency fund figure. That’s nowhere near enough!

Finance Tips 52

Finance Tips Finance Emergency Fund Life Insurance 52

Family Balance Sheet

SEPTEMBER 29, 2016

I watched her and her husband’s debt free scream on The Dave Ramsey Show. You can find Angela at her You Tube channel, Our Life…on a Budget , where she vlogs about getting out of debt and staying there! Angela & Jeff’s Debt Free Story. How much debt did you pay off? What kind of debt was it?

Debt 100

Debt Debt Free Budgeting Budget 100

Family Balance Sheet

JANUARY 21, 2015

Today’s debt free story is from Aja. Include anything that you’d like to add to give the reader an idea about your personality. How much debt did you pay off? What kind of debt was it? We paid off about $110K worth of debt. What inspired you to get debt free? Tell us about you and your family.

Debt 100

Debt Debt Free Las Vegas Finance 100

Family Balance Sheet

APRIL 11, 2020

I have written often about the importance of an emergency fund. We paid off our last non-mortgage debt in September and have since sent that loan’s monthly payment to our mortgage principal. We just finished paying off our non-mortgage debts and now we were considering taking out a car loan. Cash is King.

Budgeting 246

Budgeting Budget Family Debt 246

Prairie Eco-Thrifter

MAY 25, 2014

The money advice I would give a younger version of myself falls into two categories: “What were you thinking?” Me from 15 years ago would get an earful about what not to do, and advice on budgeting and saving and staying out of debt. Don’t Give Your Future Self More to Be Upset About.

Money 209

Money Giving Las Vegas Credit Card Rewards 209

Prairie Eco-Thrifter

JANUARY 10, 2013

I have tried to do some reading this week which I have highlighted below: Great Reads From The Blogosphere: Despite 2012 being over, Invest It Wisely’s idea to fight the winter blues by giving to causes you believe in is a sure-fire way to ensure you’re on your way to a fantastic 2013. Working to build your emergency fund?

Emergency Fund 193

Emergency Fund Debt Student Fridays 193

Family Balance Sheet

OCTOBER 18, 2014

We’ll talk about cash flow, budgets, debts, and all of the nitty gritty of our finances that might not be fun to talk about, but are so important to discuss. Day 13: Create an Emergency Fund. Day 14: Create a Gift Giving Fund. Day 17: Create a Plan to Eliminate Your Debt.

Finance 124

Finance Organic Organization Emergency Fund 124

Prairie Eco-Thrifter

MAY 30, 2012

A budget gives it to you plain and simple – the good, the bad and the ugly. Increasing your credit card limit is really increasing your debt, or at least your exposure to debt, so say ’No!’ Make establishing an emergency fund a priority. Careless Spending This type of over-spending has an accumulative effect.

Money 235

Money Emergency Fund Debt Financial Goals 235

Family Balance Sheet

JUNE 30, 2015

At the time, I wasn’t sure how we were going to pay our monthly bills, so future plans like funding our retirement , our daughters’ college education, or a lavish vacation were not on my mind. But once I created our debt freedom plan and outlined the steps we would take to wade through the hardships, I was overcome with relief.

Financial Goals 100

Financial Goals Debt Goals Emergency Fund 100

Prairie Eco-Thrifter

JANUARY 16, 2014

Traditional investment advice says that you shouldn’t invest in the market until you are financially stable, have an emergency fund and have taken care of other basics, such as insurance of all kinds, debt removal and etc. Better Investing can give you some tips on how to join or start such a club.

Emergency Fund 184

Emergency Fund Debt Money Father 184

Penny Pinchin' Mom

JANUARY 16, 2024

However, if you have been following me, you know that I am quite serious about finding ways to not only get out of debt but also how to create a budget (and stick to it) as well as how to save money without necessarily depriving your family of the quality of life they deserve. I send in $50 every month to each of their accounts.

Personal Finance 52

Personal Finance Finance Tips Finance Mom 52

Family Balance Sheet

JANUARY 20, 2017

I love her passion for helping others along their debt free journey. Krystal & Josh’s Debt Free Story. you’d like to add to give the reader an idea about your personality. in our local church, and giving to others in need. How much debt did you pay off? What kind of debt was it? We are debt.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Family Balance Sheet

OCTOBER 31, 2014

During the series, we talked about cash flow, budgets, debts, and all of the nitty gritty of our finances that might not be fun to talk about, but are so important to discuss. Day 13: Create an Emergency Fund. Day 14: Create a Gift Giving Fund. Day 17: Create a Plan to Eliminate Your Debt.

Finance 100

Finance Organic Organization Emergency Fund 100

Family Balance Sheet

FEBRUARY 2, 2017

They pay off mountains of debt and scream about debt freedom, or maybe they save gobs of money in a record amount of time, or they have considerable success with their new small business. Meet The Achievers: Deacon and his wife paid off $52,000 in debt in 18 months. His 2017 goal is to make $100,000 in online income.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Prairie Eco-Thrifter

JULY 10, 2014

Would you feel a weight lifted if you could pay off your high-rate consumer debt? I like travel, I feel it’s important to set money aside for retirement and my son’s college education, and I like charitable giving. Think about what brings satisfaction to your life. Do you like helping others? must be paid.

Budgeting 218

Budgeting Budget Work Making 218

Family Balance Sheet

JANUARY 26, 2016

As God is my witness, it WILL be the year that we pay off the last of our non-mortgage debt. That was the month I didn’t know if we had enough funds to cover our expenses. At the time, we had 4 business loans and 1 student loan that were weighing on us, so we created our Debt Freedom Plan. Apply any Found Money to Debt.

Financial Goals 100

Financial Goals Goals 2016 Debt 100

Prairie Eco-Thrifter

MAY 27, 2012

Like I state on my About page , I was in debt and living a life that didn’t satisfy me. Statistics show that nearly one in two Americans are in serious financial problems due to their debt levels. If you identify that you might be heading for financial disaster like I was, we’ll give you strategies to turn things around.

Emergency Fund 212

Emergency Fund Credit Cards Budgeting Budget 212

Family Balance Sheet

FEBRUARY 4, 2015

Today’s Debt Free Story is from Shannon. Include anything that you’d like to add to give the reader an idea about your personality. How much debt did you pay off? What kind of debt was it? Luckily, even without misguided financial beliefs, we did pay off a significant portion of our debt before having kids.

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Prairie Eco-Thrifter

JULY 4, 2011

Philip from Deliver Away Debt shares his story: How I Delivered Away My Debt. Nicole from Nicole and Maggie: Grumpy Rumblings of the Untenured tells her story about giving Self Serving Donations. In this case, they helped a school fund interactive learning activities. . How about you? What do you think? Watch out! ,

Personal Finance 240

Personal Finance Finance Family Debt 240

Saving Cents With Sense

MAY 26, 2014

Creating a short-term budget and long-term financial plan can not only help you get out of debt once and for all, but they can also guide you to economic independence and prosperity. Most people want to get out of debt, while others want to save for their children’s college educations or a new home. Create Milestones.

Emergency Fund 71

Emergency Fund Goals 2008 Debt 71

Family Balance Sheet

OCTOBER 15, 2014

We’ll talk about cash flow, budgets, debts, and all of the nitty gritty of our finances that might not be fun to talk about, but are so important to discuss. After I picked my jaw up off the floor, the two of us estimated that it would be about a year before the van rolled 100,000 miles thus giving me 12 months to save for the service.

Finance 100

Finance Organic Organization Emergency Fund 100

For the Mommas

JANUARY 19, 2016

Get Rid of Debt. If you are one of the many people who have a little or a lot of debt accumulated through credit cards or other ways, use this opportunity to pay some of it back. Paying off your debt now will lighten your load in the future and reduce money paid by you in the long term due to reduced interest on your loans.

Taxes 40

Taxes Emergency Fund Debt Money 40

Saving In Akron

MARCH 9, 2011

I really appreciated hearing from real people (not actors) who could give me their honest opinion based on their experiences. I did not go into debt for this vehicle. This all goes back to having an emergency fund and paying yourself first. Lack of debt means freedom and the ability to make the choices you want to make.

Emergency Fund 100

Emergency Fund Daughter Cars Car 100

Prairie Eco-Thrifter

FEBRUARY 4, 2014

My husband and I were graduate students with loans and credit card debt, and we were certain that a higher income would solve all of our problems. We knew we wanted to save for retirement, and that we wanted to keep giving to charity. However, this isn’t always the case. We sat down and decided what our priorities would be.

San Francisco 248

San Francisco Emergency Fund Money Utah 248

Prairie Eco-Thrifter

OCTOBER 15, 2011

Good Financial Cents: What to Watch For With Debt Settlement Companies Considering using a debt settlement company? Here’s some tips to be wary of when trying to consolidate your debt. Personal Finance Whiz : What Is An Emergency Fund? Instead of giving in, they used it as an opportunity to pay down debt!

October 200

October 2011 Finance Personal Finance 200

Prairie Eco-Thrifter

MAY 26, 2016

We could take on debt to grow using other people’s money. However, taking on debt without the current ability to repay it can result in loss of down payment and years of debt interest payments. Sure, we aren’t getting much money, but mortgage lenders are also experiencing the lowest rates in decades.

Money 124

Money Saving Money Lowes Grandchildren 124

Family Balance Sheet

FEBRUARY 3, 2016

Today’s Debt Free Story is from Charissa. Include anything that you’d like to add to give the reader an idea about your personality. How much debt did you pay off? What kind of debt was it? We started paying it off when we got married and became debt free just shy of our second anniversary.

Debt 100

Debt Debt Free College Finds 100

Family Balance Sheet

JANUARY 17, 2018

This is our very last non-mortgage loan and we send an extra payment every month as part of our Debt Freedom Plan. I’ll apply that money to the debt. What We Won’t Give Up: My motto has always been “living well on less” and now it will be “living well on (even) less”. You can read my original post: Our Debt Freedom Plan Begins.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

Saving With Shellie

JULY 22, 2011

I just thought I’d give you an update of how I’m doing so far. I encouraged you to build an emergency fund or pay down debt with your savings. Deidre at Cuckoo for Coupon Deals is pledging to be Debt Free in Three Years. I pledged to save $100 per week or more. Last week I saved $121.89

Goals 49

Goals Emergency Fund Financial Goals Debt 49

Savings Corner

APRIL 4, 2024

It’s also why low-risk plays make for better short-term investments or a stash for your emergency fund. Dividend-paying stocks Stocks aren’t as safe as cash, savings accounts or government debt, but they’re generally less risky than high-fliers like options or futures.

April 52

April Lowes CD Bank 52

Prairie Eco-Thrifter

MAY 6, 2016

For the price of giving up your email id, you can use the stock screener he has built based on this formula. Author of Forbes article Why You Should Take Joel Greenblatt’s ‘Magic Formula’ Stocks Seriously , Charles Sizemore thinks it works, others don’t. Greenblatt maintains a web site Magicformulainvesting.com.

401K 100

401K Money Emergency Fund Goals 100

The Frugal Girl

JANUARY 29, 2024

We use the eggs, harvest meat & if I can’t get out to hunt venison we’ve had friends give us meat. Staying out of debt was/is very important to me & miraculously I have succeeded this far, praise God. It clicked with me early (as we saw above) so anything that smacks of poor management gives me hives.

Arkansas 182

Arkansas Frugal College Kids and Family 182