For the Mommas

JANUARY 19, 2016

Best Way to Spend Tax Refund. When that time of year arrives that you receive a nice large amount of refunded tax money, it can be tempting to immediately go on a shopping spree. Get Rid of Debt. Although this may be one of the least exciting ways to spend your tax refund, it makes the most sense. Have a Little Fun.

Taxes 40

Taxes Emergency Fund Debt Money 40

Savings Corner

APRIL 4, 2024

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. But it’s a revolving debt that offers an amount of funds (a replenishable balance, similar to a credit card limit) tied to the level of equity in your home. HELOC: What is it?

Home 52

Home Work Debt Credit 52

Finally Frugal

FEBRUARY 9, 2011

For the first year EVER in my adult life, I haven't yet submitted my tax returns. For the past couple of years, my refund has gone straight to debt repayment. While twiddling my thumbs and wondering how much ole Uncle Sam will give back to me this year. I can't WAIT to get my hands on my refund each year!

Taxes 45

Taxes Frugal Debt January 45

Family Balance Sheet

DECEMBER 29, 2020

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. We could afford a camping trip, we could pay our tax bill on time, and we could pay cash for Christmas, but we needed to PLAN for it. . Color in the blocks as you hit your goals.

Budgeting 130

Budgeting Budget Family Property Taxes 130

Family Balance Sheet

JANUARY 20, 2017

I love her passion for helping others along their debt free journey. Krystal & Josh’s Debt Free Story. you’d like to add to give the reader an idea about your personality. in our local church, and giving to others in need. How much debt did you pay off? What kind of debt was it? We are debt.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Prairie Eco-Thrifter

OCTOBER 27, 2013

It is so easy to incur debt and keep deferring payment. Not paying your real estate taxes. An acquaintance of mine inherited a 4 bedroom/2 bath home free and clear of any debt. Eventually he could not pay the real estate taxes and the home was put on the county’s tax lien sale auction.

Real Estate 240

Real Estate Taxes Money Debt 240

Family Balance Sheet

FEBRUARY 4, 2015

Today’s Debt Free Story is from Shannon. Include anything that you’d like to add to give the reader an idea about your personality. How much debt did you pay off? What kind of debt was it? Luckily, even without misguided financial beliefs, we did pay off a significant portion of our debt before having kids.

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Savings Corner

APRIL 4, 2024

This can help you keep your monthly payments down and avoid unnecessary debt and interest. If you qualify for the best rates, a HELOC can be a less expensive way to consolidate debt or finance a home renovation. You can only take the deduction up to a certain threshold, however, based on your total mortgage debt.

Credit 40

Credit Home Debt College Tuition 40

Family Balance Sheet

MARCH 11, 2021

I’m going to be spending the next few weeks giving my family’s finances a good spring cleaning. T – time-based, tangible, In 2019, we paid off six figures of non-mortgage debts. Related Reading : How We Paid off Six Figures of Debt. Spring is also a good time to get your financial house in order.

Finance 130

Finance Cleaning Goals Insurance 130

Savings Corner

APRIL 4, 2024

The money you tap from your home’s equity can be used to consolidate higher-interest debt or to improve your home. Homeowners who have improved their credit score or lowered their debt-to-income ratio, for example, might be eligible for a better rate today if they refinance. Ideally, you’ll also get a lower rate in the process.

Calculators 40

Calculators Refinancing Insurance Homeowner Insurance 40

Family Balance Sheet

JUNE 4, 2015

However a few years ago, we found ourselves with too much debt and not enough cash. Within a year after settlement, we found ourselves with a lot of debt, not enough cash flow, and very little set aside for emergencies. As much as I wanted to be a property owner, the extra debt was beginning to suffocate us.

Goals 100

Goals Debt Renovation Daughter 100

Savings Corner

APRIL 4, 2024

To find out whether your business can afford a loan, many lenders will use something called a debt service coverage ratio (DSCR). DSCR = annual net operating income / total annual debt, including principal and interest Many lenders won’t consider any business with a DSCR below 1.25, and the higher the number, the stronger you look.

Bank 40

Bank Banking Credit Finance 40

Family Balance Sheet

DECEMBER 10, 2014

Today’s Debt Free Story is from Carrie. Include anything that you’d like to add to give the reader an idea about your personality. 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.

Debt 227

Debt Debt Free Financial Goals Goals 227

freestuff.tv

APRIL 5, 2011

Prize includes paint, furniture, lighting, furnishings and more, plus $10,000 to help offset taxes on prize (ARV: $50,000). We want you to live the generous life, simple and debt free. Contest ends 30 April. Enjoy this site? Please subscribe via Email to have savings, advice, coupons and offers sent directly to you.

Sweepstakes 109

Sweepstakes Target Furnishings Debt Free 109

Prairie Eco-Thrifter

MAY 15, 2012

There are lots of financial advisors out there who are trained in the art of financial planning , debt reduction and other financial strategies. When you have a retirement figure, divide it by the number of years you intend to keep working and you will have the amount you need to save every year until you give up work.

Personal Finance 221

Personal Finance Finance Debt Calculators 221

Family Balance Sheet

OCTOBER 10, 2014

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? property & school taxes – due yearly. Do you go into panic mode when your car insurance bill arrives?

Finance 100

Finance Property Taxes Organic Organization 100

Prairie Eco-Thrifter

OCTOBER 15, 2011

Tax Rebate Blog: How Much Can you Earn Before Paying Tax in 2011 Tax allowances and brackets change each year. This post shows highlights how much you can earn before you need to pay tax. Good Financial Cents: What to Watch For With Debt Settlement Companies Considering using a debt settlement company?

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October 2011 Finance Personal Finance 200

Penny Pinchin' Mom

FEBRUARY 16, 2024

The post Best Way to Consolidate Debt Without Hurting Credit – Smart Money Moves For Moms appeared first on Penny Pinchin' Mom. Without proper management, debt can quite literally bury you alive. The best way to consolidate debt without hurting credit is also the best way to get out of debt.

Debt 52

Debt Credit Money Mom 52

Savings Corner

DECEMBER 25, 2023

With a Loan Estimate from each lender compared side-by-side, you’ll be able to see which lender is giving you a good mortgage rate combined with the lowest origination fees. Personal details that will influence your rate offers include your: Credit score: Generally speaking, higher scores come with lower rates.

Insurance 52

Insurance Debt Credit 2003 52

Prairie Eco-Thrifter

MAY 10, 2012

’ Financial Planning Ashley presents Should I Get Married with Debt? Let me give you the full story: I have been dating Miss Blinkin for approximately 1 year and 4 months. Without giving too much information, I foresee an engagement in the coming months. posted at Money Talks Coaching , saying, “Money and marriage.

Money 113

Money May 2012 Debt 113

Prairie Eco-Thrifter

MARCH 8, 2017

If you give the same care to you finances that you give your garden, both should grow. All require pruning for growth, just as your investments and debts do. Prune down debt to make way for savings to build. I came from a long line of farmers, who always had gardens. So do finances. Pick the right environment.

Finance 133

Finance Growing Flowers and Plants Gardening 133

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

Prairie Eco-Thrifter

JUNE 4, 2012

Stay with me here – I’m very concerned about my child’s future, especially in these debt-ridden times of financial uncertainty. But it hadn’t occurred to me that life insurance might help pay for college, allow him to stay debt-free himself, or give him opportunities I never even dreamed of.

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Life Insurance Insurance Debt Money 187

Couponing 101

JULY 26, 2011

Today, you can pick up pretty much any book, newspaper, or magazine and find an article about getting out of debt. Did you know that: * Nellie Mae reports that the average amount of credit card debt held by college graduates is $2,700. * USA Today reports that the average college graduate owes about $19,000 in student loan debt. . *

Saving Money 103

Saving Money Money Kids Debt 103

Savings Corner

DECEMBER 27, 2023

Personal loans from our partners Debt Consolidation Big Purchase Emergency Home Improvement Medical 5.0 A high credit score gives you a better chance of qualifying for a personal loan and getting a lower interest rate. Proof of income: Pay stubs, bank statements or tax returns. Credit scores typically fall into these categories.

Credit 52

Credit Bank Banking Calculators 52

Prairie Eco-Thrifter

MAY 27, 2012

Like I state on my About page , I was in debt and living a life that didn’t satisfy me. Statistics show that nearly one in two Americans are in serious financial problems due to their debt levels. If you identify that you might be heading for financial disaster like I was, we’ll give you strategies to turn things around.

Emergency Fund 212

Emergency Fund Credit Cards Budgeting Budget 212

Prairie Eco-Thrifter

JULY 4, 2011

It was during this rather taxing weekend that I was reminded of how great a loving family can be. Philip from Deliver Away Debt shares his story: How I Delivered Away My Debt. Nicole from Nicole and Maggie: Grumpy Rumblings of the Untenured tells her story about giving Self Serving Donations. How about you?

Personal Finance 240

Personal Finance Finance Family Debt 240

Prairie Eco-Thrifter

SEPTEMBER 27, 2012

If you are really broke, you may want to keep either the cellphone or the landline phone and give up the other. Taxes Even though, the budget is tight , sad to say, you still need to file your income tax. In some cases, you may be able to ask for an extension so that you can file your taxes later.

Bills 213

Bills Telephones Money Taxes 213

Savings Corner

DECEMBER 27, 2023

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. Having documents ready that prove your identity and income, like W-2s and tax forms, can help move the application process more quickly. Get funded.

Calculators 40

Calculators Credit Debt Nov 40

Penny Pinchin' Mom

FEBRUARY 16, 2024

Should you just pretend that you don’t have savings and increase your debt ? Things like taxes and the fact that groceries cost about 9% more now than they did last year. Maybe a game night, a movie, or even giving each other cooking lessons over some Tequila? What about when your bills are simply pulling you under?

Saving Money 52

Saving Money Money Saving Bills 52

Prairie Eco-Thrifter

JUNE 28, 2011

Of course, if you own an investment property, various items will need to be fixed, taxes will need to be paid, and other unexpected expenses will occur, but with nearly 4,000 additional dollars over your mortgage expense each month, I’m sure that you’d be able to afford it! What is Debt Leverage? Let us suppose that you are.

Real Estate 180

Real Estate Rent Debt Calculators 180

Prairie Eco-Thrifter

FEBRUARY 18, 2011

We have more stable careers, we have no debt (other than our mortgage), and we own a home. Get Rich Slowly tells us how we can cheat on our taxes legally. Wealth Informatics gives us 23 ways we can have fun on a date. Reducing Debt. Frugal Dad shares with us 10 Side Hustles that we can use to pay off our debt.

February 113

February Debt Finance Personal Finance 113

Prairie Eco-Thrifter

JANUARY 7, 2011

The Digerati Life gives us some tried and true strategies we can use to pay our bills and find some spending balance. The best part is is that all of the changes are eligible for tax credits. Reducing Debt. Mrs. Not Made of Money shares her wisdom on how we can cure a hangover, a debt hangover that is. Investing Wisely.

January 113

January Personal Finance Finance Green And Frugal 113

Prairie Eco-Thrifter

FEBRUARY 4, 2011

Bucksome Boomer shares with us 9 tips for tax time that will save us from forming those wrinkles. We e-file our taxes and having the previous year’s return to reference is very helpful at speeding up the process. Young and Thrifty gives us tips on how to pick a good financial advisor. Reducing Debt. GO PACK GO!

January 113

January February Debt Personal Finance 113

Prairie Eco-Thrifter

JANUARY 14, 2011

Eric at Narrow Bridge tells us 5 ways we can use the 2011 payroll tax break. Reducing Debt. The Digerati Life shares insight as to when you should get help in trying to pay off your debt. I have to give some of these a try. Man vs. Debt shares with us how to not suck at our resolutions this year. Investing Wisely.

January 113

January Personal Finance Green And Frugal Finance 113

Prairie Eco-Thrifter

MARCH 14, 2011

Melissa Batai presents 7 Ways to Use Your Freezer to Save at the Grocery Store posted at Mom’s Plans , saying, “This post gives seven ways people can use their deep freezers to help combat the rising cost of groceries. But is that even a legitimate reason to file a tax extension?&#.

Frugal 150

Frugal Movies Finance Bills 150

Prairie Eco-Thrifter

APRIL 6, 2012

It’s modeled much like Michael Pollans Food Rules with many one-page rules that give short but useful tidbits of information. ” Managing Debt. Jeremy Waller presents Do You Have What It Takes To Be Debt Free And Financially Successful? You see theres a reason that the majority of people are in debt.

Money 133

Money Finance Personal Finance Real Estate 133