The Frugal Girl

FEBRUARY 18, 2024

After I became a mother, finances became much more complicated. Besides dealing with my sudden unemployment when my oldest child was a toddler, I was hoping to figure out a way to extend my time at home with him. Visiting family in Florida, we enjoy no-cost activities like visiting their beautiful beaches! helping out 7.

Kids and Family 187

Kids and Family Home and Garden Money Frugal 187

Prairie Eco-Thrifter

APRIL 10, 2014

When you overspend for convenience, you sink into debt, stuck with high interest credit card payments and risk of damaging your credit when you fall behind on your bills. What do you say to people complaining to you about their finances when they are clearly making poor choices?

Price 209

Price Rent Financial Goals Converse 209

Family Balance Sheet

MARCH 6, 2012

I'm participating in Women’s Money Week which is about encouraging women to speak up about money, take control of our finances, and reshape our financial future. It could be from the stress of unemployment, a large debt load, or the amount of shoes in someone's closet; money can be an evil force in a marriage. Or buy a home?

Money 225

Money Financial Goals Goals Kids and Family 225

Family Balance Sheet

FEBRUARY 22, 2011

Three to six months living expenses used to be what the personal finance experts recommended, but in today's environment, maybe six months to a year is more prudent. Surely unemployment, reduced income or a business downturn is considered an emergency, but so is a leaking roof, a broken hot water heater, or a dead car battery.

Emergency Fund 127

Emergency Fund 2007 Personal Finance Debt 127

Savings Corner

DECEMBER 27, 2023

Use this calculator to help you decide whether a personal loan is the right financing option for your plans. Good-credit borrowers with low debt-to-income ratios often get the lowest rates. Lenders determine your rate using your credit profile and history, income and existing debts. Enter your interest rate.

Calculators 40

Calculators Credit Debt Nov 40

Family Balance Sheet

FEBRUARY 11, 2016

Unemployment and reduced income are considered emergencies, and so is a leaking roof, a broken hot water heater, or a dead car battery, but a broken TV, sweet riding boots, or the snazziest new gadget…not so much. Later in his plan, he recommends saving 3-6 months salary, but only after paying off the non-mortgage debt.

Emergency Fund 100

Emergency Fund Building 2007 Credit Cards 100

Prairie Eco-Thrifter

JANUARY 10, 2017

’ While there is some macro economic sense in consumer spending causing an impact on the country’s growth, it doesn’t necessarily play well at the individual consumer finance level. During the long 7 years since the crisis, many people lost jobs and houses. Even today, many are still unemployed or underemployed.

Spendthrift 100

Spendthrift Economical Consumer Recession 100

Prairie Eco-Thrifter

FEBRUARY 9, 2012

If you make $50,000 a year after taxes and spend $60,000 a year, your finances are going backward. Sure you know you are in debt over your head. So you continue to get further in debt as you continue to spend. What is the one thing you are refusing to give up that would help you pay off your debt? You shop to feel better.

Money 203

Money Debt Finance Credit Cards 203

Savings Corner

DECEMBER 25, 2023

Some platforms invest in equity (stock), while others invest in debt. Generally, stock offers high returns in exchange for more risk, while debt offers lower returns in exchange for less risk. In addition, real estate is typically funded with high levels of debt financing, making it more susceptible to any economic downturn.

Money 52

Money Making Real Estate Rent 52