Penny Pinchin' Mom

DECEMBER 17, 2023

The post The Age Old Question: Should You Pay Off Debt or Save? Should you pay off debt or save? So, you want to get started on debt repayment so you can focus on other financial goals? However, if you pay off these debts, there will be nothing left for investments in these tough financial times.

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Pay Off Debt Debt Emergency Fund Financial Goals 52

Prairie Eco-Thrifter

DECEMBER 1, 2014

One of the best ways to do that is to set realistic goals. In fact, one of my favorite things to do at the end of December each year is to set financial goals for the new year. I’m convinced that I’ve had such good luck achieving many of my financial goals because I write them down and keep myself accountable.

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Goals Financial Goals December Motivation 209

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.

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Debt 2019 Financial Goals Emergency Fund 100

Family Balance Sheet

APRIL 9, 2021

Many years ago, my husband and I faced what we thought was an insurmountable hurdle– six figures of non-mortgage debts. Stressed out, we ventured into Dave Ramsey’s online Financial Peace University home course for help. Prior to FPU, we thought we were doing well financially and never considered that we had too much debt.

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Debt Emergency Fund 2019 Debt Free 130

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. Quitting my job is one of the things being debt free has enabled us to do. How much debt did you pay off?

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Debt Debt Free Pay Off Debt Financial Goals 236

Family Balance Sheet

JANUARY 2, 2021

I wanted to reduce our non-mortgage debt, my clutter, my distractions, my impact on the environment, and my consumption of sweets. After writing some financial goals that had a lot to do with researching topics, such as retirement and college savings strategies, I realized that maybe my word for 2020 was READ.

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Debt 2020 2019 Financial Goals 130

Family Balance Sheet

NOVEMBER 19, 2014

Today’s Debt Free Story is from Amanda & Daniel. Together they blog about becoming debt free and location independence in order to serve the world at Life with a Mission. How much debt did you pay off? What kind of debt was it? We paid off $68,000 of debt in eight months. Who initiated the debt free goal?

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Debt Debt Free Finance Friends And Family Sale 245

Family Balance Sheet

AUGUST 4, 2014

Welcome to Debt Free Stories! They paid off $36,000 in debt and cash flowed graduate school. How much debt did you pay off? What kind of debt was it? After graduating with our bachelor’s degrees Jon and I had about $36,000 in debt between us. What inspired you to get debt free? They blog at 2 Copper Coins.

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Debt Free Debt Goals Student 243

Family Balance Sheet

NOVEMBER 5, 2014

Welcome to Debt Free Stories. 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? I went through Dave Ramsey’s Financial Peace University when I was 18 years old. Make paying off debt a priority.

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Debt Free Debt Emergency Fund Finance 241

Family Balance Sheet

AUGUST 21, 2020

Debts still need to be paid, cars will need new parts, homes will need to be repaired, and kids will need braces. My husband’s brain likes to see everything written down on one page, so I developed that first spreadsheet to list all of our accounts and all of our debts. How do your assets stack up against your liabilities/debts?

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Family Debt Finance Kids and Family 241

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. It will help you achieve your financial goals faster.

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Personal Finance Finance Tips Finance Mom 52

Family Balance Sheet

SEPTEMBER 20, 2016

The segment was so inspiring that I reached out to her to see if she would participate in the Debt Free Stories series. She hosts a You Tube channel, The Former Mrs. Jones , where she vlogs about budgeting, debt free living, and family life. Meet the Former Mrs. Jones: Her Debt Free Story. How much debt did you pay off?

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Debt Debt Free Bath and Body Works Gas 100

Family Balance Sheet

JUNE 11, 2014

Back in March I wrote about my family’s Debt Freedom Plan. But reaching #2 has given us new motivation to keep plowing away at our business and our Debt Freedom Plan. What financial goals are you working towards? Are you making headway with those goals? Financial Freedom Marriage and Money'

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Debt Emergency Fund Financial Goals Motivation 100

Family Balance Sheet

JUNE 16, 2015

Today’s Debt Free Story is from Lydia. She blogs about living a limitless life on a limited budget at Frugal Debt Free Life. How much debt did you pay off? What kind of debt was it? We paid off $36,000 in student loans, credit cards, cars and a bit of medical debt. What inspired you to get debt free?

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Debt Debt Free Finds Goals 100

Family Balance Sheet

FEBRUARY 23, 2015

Our main financial goal in 2015 is to pay down our non-mortgage debt. I have scrutinized our budget tirelessly and I really feel like there’s nothing more to cut, so my focus is turning to finding money to put towards debt. In January, I found $370 to put towards our debt: 1. Where can we find extra money?

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Debt January Money Financial Goals 100

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?

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Debt Debt Free Budgeting Budget 100

Family Balance Sheet

JANUARY 17, 2018

Did you make 2018 financial goals ? My husband and I discussed some ideas over our holiday break and we decided on 2 solid must-achieve financial goals for the year. If we complete them early, we’ll move on to 2 additional goals that are on our radar. Apply any Found Money to our Goals. 2017 Update.

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Financial Goals Goals 2018 Debt 113

Savings Corner

DECEMBER 24, 2023

Bankrate’s AdvisorMatch can connect you to a CFP® professional to help you achieve your financial goals. Here’s what financial planning is all about and what you need to know to get started. What is a financial plan? Debt reduction – How much do you need to pay down and how can you do it?

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Goals Debt Taxes Insurance 52

Family Balance Sheet

APRIL 1, 2015

Today’s Debt Free Story is from Brian. He writes at Debt Discipline about about how his family of 5 deals with money, budgets and debt. I started my blog Debt Discipline to help keep us accountable while paying off our debt. How much debt did you pay off? What kind of debt was it?

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Debt Credit Cards Debt Free Credit 100

Family Balance Sheet

JUNE 30, 2015

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. The plan allowed us to think beyond the financial struggles we were dealing with at the time and we could envision what our future might look like. Our Financial Goals: Pay off our non-mortgage debt.

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Financial Goals Debt Goals Emergency Fund 100

Family Balance Sheet

JANUARY 21, 2015

Today’s debt free story is from Aja. How much debt did you pay off? What kind of debt was it? We paid off about $110K worth of debt. We paid down mostly student loans, vehicles and business credit card debt ( we already own a home outright ). What inspired you to get debt free? Where are you from?

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Debt Debt Free Las Vegas Finance 100

Family Balance Sheet

JULY 13, 2016

So I’m thrilled to bring you today’s story, because I actually watched this couple’s debt free scream when it was live on the show. Drew & Farrah’s Debt Free Story. How much debt did you pay off? What kind of debt was it? What inspired you to get debt free? Where are you from?

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Debt Debt Free Finds Home 100

Family Balance Sheet

AUGUST 5, 2015

Today’s Debt Free Story is from Jessica. How much debt did you pay off? What kind of debt was it? 130K in mortgage debt. 10K in car payments, $35K in credit card debt. We made the decision to tackle our debt back at our home church in Chattanooga. What inspired you to get debt free?

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Debt Debt Free Finds Finance 100

Family Balance Sheet

FEBRUARY 18, 2015

Today’s Debt Free Story is from Jen. My family and I are most known for paying off over $212,000 worth of debt and medical expenses in four years. In addition to paying off a ton of debt, I am also a 8-time national weightlifter and 2-time US Olympic Festival medal winner as well as an Ironman triathlete.

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Debt Debt Free Finance Goals 100

Prairie Eco-Thrifter

DECEMBER 30, 2013

As you might expect, especially among personal finance bloggers, financial resolutions are pretty popular. If you are looking for a way to financially level up, here are 4 strategies that can help you make better money resolutions. Get help setting financial goals, and working toward them. We all need help sometimes.

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Financial Goals Goals Finance Money 186

Family Balance Sheet

JULY 22, 2015

Today’s Debt Free Story is from Deacon. He is a financial coach and blogs at Well Kept Wallet. How much debt did you pay off? What kind of debt was it? We paid off $52,000 in consumer debt. It consisted of student loans, a car loan and even some credit card debt. What inspired you to get debt free?

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Debt Debt Free Finance Finds 100

Family Balance Sheet

MARCH 11, 2021

Review your Yearly Goals. On January 1st, many of us are very gung-ho about writing goals but are we as enthusiastic about those goals on March 12? Do our goals still make sense now that we’re in the trenches of the new year? Take some time to review your yearly financial goals. M – measurable.

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Finance Cleaning Goals Insurance 130

Family Balance Sheet

OCTOBER 16, 2017

The spreadsheet listed our short-term and long-term account balances, our debts, and our short-term and long-term financial goals. We are working towards some pretty big financial goals and we’ve hit quite a few already. Value of your home – outstanding debt on your home = Equity). Change #1.

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Family Financial Goals Debt Calculators 100

Family Balance Sheet

DECEMBER 29, 2020

Financial Goals – Use this spreadsheet to quantify your financial goals for the current year and years to come. Savings Goals – Set savings goals for the year and use this spreadsheet to track your progress. Color in the blocks as you hit your goals. Weekly Menu & Grocery List Planner (pdf).

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Budgeting Budget Family Property Taxes 130

Family Balance Sheet

JANUARY 4, 2016

We have new financial goals for this year. While we made considerable headway in 2015 with reducing our debts, we missed our goal of paying off a loan by the end of the year. So in 2016, I will continue to share our journey to pay off our debt. Debt Freedom Plan Updates. But, I’m ready to take on 2016!

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2016 Money Financial Goals Debt 100

Prairie Eco-Thrifter

MARCH 24, 2013

Taking on debt never has bothered me, because I have always felt that we kept it under control and no matter what, would pay it off. When you have low income, little savings, not much time to accumulate or lots of debt, you probably don’t want to be investing at high risk levels, according to Invesco. Set your financial goals.

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Financial Goals Goals Money Real Estate 222

Couponing 101

MAY 28, 2019

But there’s one thing that a lot of parents forget that their kids will absorb: financial habits. adults have credit card debt, kids might not be learning the best financial lessons to set them up for future success. Work on Setting Goals. They soak up the language, beliefs, and habits of the people around them.

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Saving Money Money Simple Financial Goals 84

Family Balance Sheet

JANUARY 8, 2020

My word was REDUCE: Non-mortgage debt to zero. There were hits and misses on this list, and many are things that I will continue to work on, but let’s recap: 1 – Reduce non-mortgage debt to zero. ALSO our 2019 Financial Goal!). We’ve been working since 2013 to pay off a boat load of non-mortgage debt.

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Financial Goals Goals 2020 2019 130

Family Balance Sheet

AUGUST 6, 2022

Our financial goals are still important to us and we want to hit them regardless of the rising prices. Years ago during our Debt Freedom Plan, I avoided using credit cards, not because we had credit card debt, but because I was trying to limit our overall spending. Here are five ways that I saved money this month.

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July Frugal Credit Cards Donation 130

Family Balance Sheet

JANUARY 10, 2012

When my husband and I are focused on our goals , we nail them. But for the two of us to achieve our financial goals, we need to have money conversations and they need to be done regularly. Column E = Monthly debt payment. The third section is for our 2012 Financial Goals. Column F = Loan balance.

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Finance Financial Goals Goals C&H 138

Family Balance Sheet

OCTOBER 18, 2014

By the end of the month, my goal is to help you have a detailed financial plan for your family. 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 2: What are Your Financial Goals.

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Finance Organic Organization Emergency Fund 124

Family Balance Sheet

FEBRUARY 4, 2015

Today’s Debt Free Story is from Shannon. How much debt did you pay off? What kind of debt was it? As many students do these days, we had tens of thousands of dollars of debt by the time we graduated with our Masters degrees. At the point when we finally got serious about paying off our debt we had $22,047 left.

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Debt Free Debt Financial Goals Budgeting 100