Family Balance Sheet
MAY 6, 2020
How Our Debt Freedom Plan Prepared Us for the Pandemic. We’d survived the dip in 2007, carried no credit card debt, and we were contributing to our retirement. Our small business was going well, so we said so long to renting office space and purchased a commercial property in the summer of 2012. Our first storm: 2007.
Savings Corner
DECEMBER 25, 2023
On mobile devices, tap “Refine Results” to find the field to enter the rate and use the plus and minus signs to select the “Loan term.” A lot of factors go into that assessment, and the main one is debt-to-income ratio. Property taxes: The annual tax assessed by a government authority on your home and land.
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Family Balance Sheet
APRIL 11, 2020
We paid off our last non-mortgage debt in September and have since sent that loan’s monthly payment to our mortgage principal. This is not an elective, fun, no-spend month like what we did in January to find funds for our summer vacation. Update our Debt Freedom Plan to reflect lessons learned during this crisis.
Savings Corner
DECEMBER 25, 2023
To calculate how much house you can afford, we take into account a few primary items, such as your household income, monthly debts (for example, car loan and student loan payments) and the amount of savings available for a down payment. How does your debt-to-income ratio impact affordability? Debt and expenses. Credit profile.
Family Balance Sheet
DECEMBER 29, 2020
I found a lot of printable (pdf) budgets, but couldn’t find a spreadsheet that I liked. Years ago, there was a month where I hadn’t planned on a large property tax bill and I wasn’t sure where we were going to find the money. I created a Monthly Budget spreadsheet because I like formulas.
Savings Corner
APRIL 4, 2024
You can use this money for any purpose, including home remodeling , consolidating higher-interest debt , college tuition and other financial needs. Cash-out refinances are generally best for big-ticket costs: Think home renovations or major debt consolidation. The difference between the two is given to you in a lump-sum payment.
The Frugal Girl
FEBRUARY 18, 2024
When the weather is nice, we love to find outdoor spaces to explore. While we were still renting an apartment, I researched areas with lower property taxes, scouted out my ideal neighborhoods, and waited for a smaller, less expensive house to come on the market. You never know what you’ll find with kids. Childhood joy.
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