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How our Debt Freedom Plan Prepared Us for the Pandemic

Family Balance Sheet

How Our Debt Freedom Plan Prepared Us for the Pandemic. The year 2007 held such promise for us when it started, but by the end of the year, we were brought to our knees. What got us through financially? I still use my spreadsheet to this day! This new business debt weighed on me. Our first storm: 2007.

Debt 130
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Mortgage Calculator with PMI and Taxes

Savings Corner

How to use the mortgage calculator Under “Home price,” enter the price (if you’re buying) or the current value (if you’re refinancing). 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.”

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Meet a Reader | JenRR from the Midwest

The Frugal Girl

In January, the four of us put together a long list of games we wanted to play, many of which were just gathering dust in the basement, and it has become a joint New Year’s resolution to get through all of them before the year is over! When the weather is nice, we love to find outdoor spaces to explore. Childhood joy. helping out 7.

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How Much House Can I Afford? Affordability Calculator

Savings Corner

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? How much house can I afford with a VA loan?

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How I’m Managing our Family Budget during the Pandemic

Family Balance Sheet

Pre-coronavirus, we didn’t think twice about shaking a stranger’s hand, using the ATM keypad, or going to the grocery store without donning a hazmat suit. We paid off our last non-mortgage debt in September and have since sent that loan’s monthly payment to our mortgage principal. I have been using it ever since.

Budgeting 246
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Family Budget Spreadsheets 2021

Family Balance Sheet

That is why I created Family Budget Spreadsheets — a bundle of spreadsheets that we personally use to plan and budget our money. I found a lot of printable (pdf) budgets, but couldn’t find a spreadsheet that I liked. Actual Spending Log – Use this spreadsheet to enter your actual income and spending for each month.

Budgeting 130
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Create a Personal Escrow Fund | 31 Days to Organize Your Finances

Family Balance Sheet

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. Does your property tax bill give you anxiety? That used to be me. How were we going to find the funds by the due date? It was a horrible feeling.

Finance 100