Prairie Eco-Thrifter

APRIL 25, 2011

Guest Post Author Bio: This guest post was written by Frank Collins, a professional writer specialized in topics related to personal finance, debt relief, credit repair and more. If you are willing to settle your debts on your own, pass through the debt settlement blog for more tips and advice on the topic.

Debt 124

Debt Debt Free DIY Personal Finance 124

Family Balance Sheet

OCTOBER 13, 2014

Welcome to 31 Days to Organize Your Finances. 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. The total cost for the new tires and the dryer repair was $900. For more on that, read Our Debt Freedom Plan.

Emergency Fund 100

Emergency Fund Finance Organic Organization 100

The Frugal Girl

FEBRUARY 18, 2024

After I became a mother, finances became much more complicated. The first few years after graduating, I racked up a large credit card debt and bought a new SUV that cost approximately the same as my annual salary. I reinforced seams, closed up holes, and repaired seriously damaged handles that were almost worn through.

Kids and Family 188

Kids and Family Home and Garden Money Frugal 188

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

Key takeaways Home equity loans and HELOCs are both financing tools that allow you to borrow against your ownership stake in your home. Both act as second mortgages, using your home as collateral, and may offer tax deductions if the funds are used for substantial repairs or upgrades. Home equity loan: What is it? HELOC: What is it?

Home 52

Home Work Debt Credit 52

Savings Corner

APRIL 4, 2024

Key takeaways A home equity loan allows you to borrow a lump sum against your home’s equity, usually at a fixed interest rate that’s lower than other forms of consumer debt. While high compared to their average of six percent in 2022, that’s significantly lower than other forms of consumer debt. What is a home equity loan?

Home 52

Home Debt Credit Cards Credit 52

Family Balance Sheet

MARCH 26, 2021

In the same week, I woke up one morning to an icy cold shower and the discovery that our hot water heater was broken beyond repair. Both books provided the blueprint for Our Debt Freedom Plan. Later in his plan, he recommends saving 3-6 months of expenses, but only after paying off the non-mortgage debt.

Emergency Fund 130

Emergency Fund Building 2007 Credit Cards 130

Family Balance Sheet

JUNE 22, 2020

It was so big that I cried for two days straight– we paid off six figures in non-mortgage debts. How we got to six figures of non-mortgage debt: In the summer of 2012, we found an opportunity to purchase an office building for our small business. After the first year, the new business debt weighed on me.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Savings Corner

APRIL 4, 2024

Lenders consider it when approving you for a mortgage or other home-based financing. It represents the total debt against the home: both the original mortgage and the size of the new home equity loan or line of credit. Your home equity equals the current value of your home minus your current mortgage debt.

Calculators 52

Calculators Home Debt Fair-Trade 52

Savings Corner

DECEMBER 24, 2023

Check your credit score Your credit score will help you determine your financing options; lenders use it (among other factors) to set the terms and rates of your loan. Common real estate contingencies can hinge on financing, appraisal, home inspection and more. Some sellers won’t agree to extensive repairs. The average is $342.

Real Estate 52

Real Estate Buy Buying Credit 52

Family Balance Sheet

DECEMBER 10, 2014

Today’s Debt Free Story is from Carrie. How much debt did you pay off? What kind of debt was it? After my first marriage fell apart, I ended up with over $14,000 of consumer debt, made up of a car loan and credit cards. What inspired you to get debt free? Tell us about you and your family. Where are you from?

Debt 227

Debt Debt Free Financial Goals Goals 227

Savings Corner

DECEMBER 25, 2023

Lenders will look at your debt-to-income ratio, or DTI. Financing your vehicle may not always be the best choice, especially if you stand to spend more than the recommended amount of your income each month toward a loan. For some buyers, financing a vehicle may make sense when balanced as a part of their larger financial picture.

Cars 52

Cars Car Insurance Calculators 52

Prairie Eco-Thrifter

FEBRUARY 18, 2011

We get a visual picture every month of where are finances are and what we have spent our money on. Sustainable Life Blog shares with us tips on how to repair our credit. We have more stable careers, we have no debt (other than our mortgage), and we own a home. Life and My Finances shares with us how to keep moving expenses low.

February 113

February Debt Finance Personal Finance 113

Family Balance Sheet

JULY 20, 2011

While I have no desire to replace any of them right now, I also don't want our finances to be thrown for a loop when something does decide to take a trip to appliance heaven. We certainly don't want to go into debt either. I didn't and I found this article helpful, How to Avoid Refrigerator Repairs. 4 - Start a replacement fund.

Appliances 138

Appliances Washer and Dryer Emergency Fund Warranties 138

Family Balance Sheet

FEBRUARY 11, 2016

In the same week, I woke up one morning to an icy cold shower and the discovery that our hot water heater was broken beyond repair. As you know, I am a huge follower of Dave Ramsey and his books, The Total Money Makeover and Financial Peace provided the blueprint for our Our Debt Freedom Plan. Have you had weeks like that?

Emergency Fund 100

Emergency Fund Building 2007 Credit Cards 100

Family Balance Sheet

JULY 9, 2015

It’s no secret, I am fascinated, encouraged, and border-line obsessed with debt freedom. The idea of becoming debt free makes me downright giddy. So I love to hear the success stories of others who have found debt freedom. What did they specifically do to become debt free? 10 Smart Ways to Become Debt Free.

Debt Free 100

Debt Free Debt Budgeting Budget 100

Savings Corner

APRIL 4, 2024

The steps may vary depending on whether you’re looking for debt consolidation loans , home improvement loans, medical loans or wedding loans. Personal loan qualification requirements Your credit score , income and debt are usually evaluated by personal loan lenders to see if you qualify.

Debt 52

Debt Credit Cards Credit Home Improvement 52

Savings Corner

APRIL 4, 2024

This increases your mortgage debt but gives you money that you can invest or use to fund a goal, like a home improvement project. Debt consolidation refinance Caret Down Like cash-out refinances, debt consolidation refinances give you cash. You can use these funds as retirement income, to pay medical bills or for any other goal.

Refinancing 52

Refinancing Work Debt Financial Goals 52

The Frugal Girl

MARCH 4, 2024

Although my parents never specifically taught me about finances, they lived a frugal life by necessity. I learned from the best, but I believe that a personal finance course should be a requirement for both high school and college graduation. I grew up in banking and held other finance-related positions during my working years.

Green And Frugal 182

Green And Frugal Kids and Family Hotel Frugal 182

For the Mommas

MAY 22, 2012

The term “sinking fund” was originally a business term used to designate a savings account where a corporation holds funds for the repayment of a debt in order to improve their liquidity. In personal finance, a sinking fund is a savings account that is designated specifically for an irregular expense. can be downright overwhelming.

Craigslist 78

Craigslist West Virginia Bank Banking 78

Savings Corner

DECEMBER 27, 2023

These loans come with credit-building tools, flexible repayment terms and special features for debt consolidation and home improvement projects. Direct payment to creditors with debt consolidation loans. Maximum debt-to-income ratio: 75%, including mortgage and the loan you’re applying for. Minimum annual income: None.

Credit 52

Credit January Debt Credit Cards 52

The Frugal Girl

NOVEMBER 13, 2023

Limiting waste is what really drives most of the habits I have that would qualify as “frugal” – reducing/eliminating food waste, returning unneeded items, pursuing refunds, checking on warranties, repairing things, etc. I was in 4th grade, and had 2 younger siblings when they began their debt-repayment journey.

Kids and Family 194

Kids and Family Parenting Cars Car 194

Prairie Eco-Thrifter

OCTOBER 11, 2012

It can be so easy to run up thousands of dollars in debt just by using that credit card. Debt and an uncontrollable spending habit is probably the most common issue that causes fights between couples. Most people will not see eye to eye when it comes to how much credit card debt is acceptable.

Debt 222

Debt Credit Cards Money Credit 222

Prairie Eco-Thrifter

SEPTEMBER 25, 2012

I pointed out the multitude of new blogs related to saving money, being frugal, getting debt under control and learning about finances. We had a dishwasher, but it was broken and we didn’t want to spend the money to repair it – so we did without one – for 10 years! I even made the kid’s play dough and finger paint.

Thrifty 213

Thrifty Garage Spendthrift Fair-Trade 213

Savings Corner

DECEMBER 25, 2023

Jumbo loans: As low as 5%-10% down payment (varies) Jumbo loans are home loans that fall outside of the Federal Housing Finance Agency’s conforming loan limits. In other words, it’s the extent to which your home is an asset rather than a debt. More equity in your home right away. More equity means more wealth.

Insurance 52

Insurance Home Refinancing Money 52

Family Balance Sheet

JUNE 8, 2018

I came up with strategies to help us pay for yearly bills, large expenses, and we were able to pay off debts. A budget could help you avoid late and insufficient funds fees, find money for an upcoming trip or expense, and ease a disagreement over finances in a marriage. During that time, I started to budget for everything.

Budgeting 133

Budgeting Budget Financial Goals Goals 133

Savings Corner

DECEMBER 25, 2023

Buy crowdfunded real estate If you’re interested in investing in real estate but don’t want to do a lot of the heavy lifting (management, repairs, handling tenants and more), then another option is using a crowdfunding platform to invest in property. Some platforms invest in equity (stock), while others invest in debt.

Money 52

Money Making Real Estate Rent 52

Savings Corner

APRIL 4, 2024

To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. Our goal is to give you the best advice to help you make smart personal finance decisions. possible points.

Insurance 52

Insurance Life Insurance Homeowner Insurance Cars 52