Prairie Eco-Thrifter

JANUARY 18, 2011

We often approach goals as a chance to change. Setting a goal is our chance to finally save that money, lose that weight, or exercise more. Having a new goal is great in the beginning because there is nothing like the feelings of excitement of finally making a positive change in your life. Remember, every bit counts.

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Goals Motivation Work Budgeting 124

Savings Corner

APRIL 4, 2024

Personal loans are becoming more popular among people looking to consolidate debt and find lower interest rates than credit cards. Your debt-to-income ratio helps lenders determine how much debt you already have compared to your income. According to a Bankrate study, the average personal loan interest rate is 12.10

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Debt Bank Banking Credit 52

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. Over 70% of Americans admit to feeling financially stressed.

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Personal Finance Finance Tips Finance Mom 52

Family Balance Sheet

APRIL 11, 2020

Every night my first prayer is that this virus starts to mitigate, the curve flattens to a manageable level for our health care system, and lives are saved. We paid off our last non-mortgage debt in September and have since sent that loan’s monthly payment to our mortgage principal. Stop sending an extra payment to our mortgage.

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Budgeting Budget Family Debt 246

Koupon Karen

JANUARY 15, 2024

Cash Flow And Debt Management: Such loans can also ensure smooth operations during cash flow challenges and consolidate high-interest debts, simplifying management and potentially saving money. Each loan type serves a unique purpose, and choosing the right one can significantly impact your business’s financial health.

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Family Finance Debt Monitors 52

Prairie Eco-Thrifter

SEPTEMBER 16, 2013

This can breed short sightedness as you struggle to deal with your debt. Being impulsive with your money can be very detrimental to your financial health. Laziness limits our earning potential, our saving potential and our ability to meet important goals. Being on the treadmill of debt can put you into financial ruin.

Personal Finance 222

Personal Finance Finance Consumerism Debt 222

Family Balance Sheet

OCTOBER 16, 2017

Back in October 2003, I left a corporate career as a department store buyer with a nice reliable paycheck and benefits– including health insurance –to join my husband in the land of self-employment. The spreadsheet listed our short-term and long-term account balances, our debts, and our short-term and long-term financial goals.

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Family Financial Goals Debt Calculators 100

Savings Corner

DECEMBER 24, 2023

To calculate your net worth, take inventory of what you own, as well as your outstanding debt. That includes revolving consumer debts — such as credit card balances — as well as personal, auto, payday and title loan balances. Or, you can think of net worth as everything you own less all that you owe. What is my net worth?

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Calculators Taxes Debt Consumer 52

Prairie Eco-Thrifter

MAY 30, 2012

Increasing your credit card limit is really increasing your debt, or at least your exposure to debt, so say ’No!’ Ignoring Your Debt Debt is not just going to go away, you must handle it and work to whittle it away. Look into effective health, disability and life insurance plans.

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Money Emergency Fund Debt Financial Goals 235

Prairie Eco-Thrifter

JANUARY 15, 2013

They have enough money to qualify for the debt required to meet their ideas of how their lives should look. I’m going to write that again: They have enough money to qualify for the debt required to meet their ideas of how their lives should look. Their so-called wealth is actually debt. What do you think?

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Debt Wedding Money Financial Goals 274

Family Balance Sheet

JUNE 22, 2020

In September 2019, my husband and I accomplished our biggest financial goal in our almost 20 years of marriage. It was so big that I cried for two days straight– we paid off six figures in non-mortgage debts. After the first year, the new business debt weighed on me. Our non-mortgage loans totaled over six figures.

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Debt Health Insurance Insurance Budgeting 130

Savings Corner

DECEMBER 23, 2023

Consider directing at least a portion of your pay toward long-term financial goals, like saving for retirement and purchasing a life insurance plan. Paying Off Your Debt and Expenses Life insurance is also important if your parents co-signed for your student loans or other debt, such as a car. Watch her story here.

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Life Insurance Insurance Graduation Financial Goals 52

Family Balance Sheet

JANUARY 1, 2015

My husband and I make some financial goals at the start of every year. Most of them are related to our small business, my husband’s chiropractic office, but last January I got a bee in my bonnet about debt…thank you, Dave Ramsey. This is the year that we will be very intense about paying off our debt. How We Saved.

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2015 Money Debt Home and Garden 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. Our 2 Main Financial Goals for 2018: 1 – Finish the will.

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Financial Goals Goals 2018 Debt 113

Prairie Eco-Thrifter

JULY 11, 2013

Take a peak and see what I read this week: Good Reads From The Blogosphere: Jen from Money Rebound writes about Realistic Ways to Slash Your Student Loan Debt – Such a timely post considering the recent rate changes for federal student loans in the United States! Do you know how to protect yourself if debt collectors are harassing you?

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Fridays Debt Gas Mileage Financial Goals 189

Prairie Eco-Thrifter

JULY 4, 2011

They are also there working with you to help you reach your goals; even those financial goals. Philip from Deliver Away Debt shares his story: How I Delivered Away My Debt. If we put our mind and actions to reaching a goal then we will complete it. Families are our rock, our support system, and our fans.

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Personal Finance Finance Family Debt 240

The Frugal Girl

FEBRUARY 18, 2024

As our family and household income grew, my husband and I made it a goal to put more money aside for emergencies, retirement, college, home improvements, etc. It’s important for my mental health to know we are doing what we can to protect our future selves. What’s your best frugal win? helping out 7.

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Kids and Family Home and Garden Money Frugal 186

Prairie Eco-Thrifter

JULY 31, 2014

But how can you learn to use those negative experiences, and teach your children to do so as well to benefit your financial health? Set new financial goals for yourself. If you are rock steady on the path to paying down your debts, pay more. Set new goals for yourself at each stage of life. Challenge yourself.

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Debt College Student Money 167

Prairie Eco-Thrifter

JUNE 25, 2013

Unfortunately, that often means that you won’t reach your retirement goals. You might also make tweaks depending on changing fundamentals, and shifting goals. Yes, you might pay off debt and have fewer of those types of obligations. And don’t forget health care costs. Change the Plan Due to Fear.

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Making United States Taxes Health Care 201

Prairie Eco-Thrifter

APRIL 10, 2014

My therapist says it’s best for my mental health. 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. Excuses and avoidance are dangerous to your long term financial health. Me: Could you get a roommate?

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Price Rent Financial Goals Converse 209

Prairie Eco-Thrifter

APRIL 11, 2011

Join the husband/wife blogging team of Broke Professionals as they attempt to dig themselves out of a combined six figures in student loan debt. On credit cards and debt: “Credit cards are the easiest way to get into trouble. Stay out of debt in general. My health benefits are what make my job great. Neither do you.

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Work Debt Credit Cards Finance 133

Prairie Eco-Thrifter

OCTOBER 21, 2012

Kristen from My Dollar Plan reminds us Why You Should Tell Your Family About Your Debt. ” Dividend Growth Investor from Dividend Growth Investor shares how Dividend losers focus on excuses that prevent them from achieving their goals of financial freedom. They aren’t concerned about the latest deal, craze or freebie.

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Personal Finance Finance Debt Money 219

Family Balance Sheet

MARCH 4, 2015

Today’s Debt Free Story is from Maureen. She writes at A Debt Free Stress Free Life. Besides writing on my personal finance blog, A Debt Free Stress Free Life, I’m an adjunct professor at a local college and own a residential and commercial cleaning business. How much debt did you pay off? What kind of debt was it?

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Debt Credit Cards Debt Free Student 100

Penny Pinchin' Mom

DECEMBER 17, 2023

Health insurance: This is a must; should someone get critically ill, mountains of medical bills can bury you very quickly. Term life insurance: These insurance benefits can help with household income replacement, debt coverage, educational expenses, funeral and final expenses, and estate planning.

Finance Tips 52

Finance Tips Finance Emergency Fund Life Insurance 52

Prairie Eco-Thrifter

MAY 26, 2016

We could take on debt to grow using other people’s money. However, taking on debt without the current ability to repay it can result in loss of down payment and years of debt interest payments. If you are risk averse, you may lose sleep (and health) worrying about the safety of your finances.

Money 124

Money Saving Money Lowes Grandchildren 124

Prairie Eco-Thrifter

JANUARY 28, 2011

As some of you know, one of my goals for 2011 is to become a certified fitness professional. The goal was to be certified by summer. Moolanomy tells us how we can reach our savings goals by using virtual bank accounts. Reducing Debt. I had to remind myself that being debt free was the first step to fulfilling my dreams.

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January 2010 Personal Finance Finance 124

Prairie Eco-Thrifter

SEPTEMBER 15, 2014

Setting goals and reaching them continues to be enriching and satisfying to me. If you take care of your health and relationships when you are poor, you will most likely continue to do so after reaching a million (and vice versa). but rather for the satisfaction of making a positive contribution with my time and effort.

Money 247

Money Grandchildren Thrifty Job Loss 247

Prairie Eco-Thrifter

DECEMBER 7, 2011

He became a hoarder, he has not worked in years, he feels unemployable and his house is now encumbered with debt and will soon be put up for a tax sale. Please remember, these are only my ideas, I am not a professional health or care giver. How does he get his self-esteem back? Six Ideas for a Better Shot at Happiness.

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Holiday Friends And Family Sale At&T Giving 183

Penny Pinchin' Mom

FEBRUARY 16, 2024

And I’m talking about all forms of insurance, from health to life and even home insurance. Pay Down Debt Yes, this is a good way to set yourself up financially. Pay Down Debt Yes, this is a good way to set yourself up financially. Getting out of debt should make the top three of your financial priorities.

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Money Insurance Debt Bulk 52

Prairie Eco-Thrifter

NOVEMBER 5, 2012

In order to get to a million, you have to be willing to prioritize your life’s goals to get there. You must control your debt. You have to be willing to work hard towards your goal. You have to persist in pursuing your goal, no matter what life brings. You can’t spend more than you earn. Persistence.

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Making Real Estate Garage Sale Debt 229

Family Balance Sheet

AUGUST 11, 2014

Welcome to Debt Free Stories. She paid off $41,587 in debt in 14 months! How much debt did you pay off? What kind of debt was it? What inspired you to get debt free? I was inspired to get debt free for 2 main reasons: 1. We wanted to enter into marriage debt free. (He Where are you from? in 14 months.The

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Debt Free Debt Mom Goals 235

Prairie Eco-Thrifter

AUGUST 2, 2012

The news of our health definitely was a shock because we aren’t overweight and I feel most people would consider us “healthy” based on outward appearance. Although this major lifestyle change may not suite everybody, we’ve found that making small changes helps us to accomplish a larger end-goal.

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Eating Out Meals Health Cooking 188

Prairie Eco-Thrifter

JUNE 14, 2012

” John presents Q1 2012 Credit Card Debt Study posted at Card Hub , saying, “The first quarter of 2012 indicates consumers are paying down credit card debt. Will this trend continue throughout the year, or will consumer credit card debt follow the same path it has in previous years? Here are the answers.

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Money 2012 June Credit Cards 124

Prairie Eco-Thrifter

MARCH 3, 2011

Just like Money Ning mentioned, we can splurge sometimes without it ruining our goals. We are on a saving path, one that has us debt free and retiring early. I no longer depend on it every day which is better for my long term health. Reducing Debt. She also reminds us to have fun. It just requires balance.

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February Family March Finance 140

Savings Corner

DECEMBER 24, 2023

A smart view of your financial health Get a quick read on how you’re set up to meet expenses and money goals. A credit freeze makes your credit reports inaccessible to most people, with a few exceptions: Your current creditors still have access, as do debt collectors. Who can access frozen credit reports?

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Credit Monitors Insurance Taxes 52