Savings Corner

APRIL 4, 2024

Key takeaways Home equity loans and HELOCs are both financing tools that allow you to borrow against your ownership stake in your home. 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. Home equity loan: What is it?

Home 52

Home Work Debt Credit 52

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

Debt Free 235

Debt Free Debt Mom Goals 235

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

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?

Calculators 52

Calculators Debt Taxes Insurance 52

Prairie Eco-Thrifter

JUNE 20, 2012

Here is Alicia’s question: How much money do my husband and I have to save up before buying our first home? Working out how much the down payment would be is only half the answer – you’ll also need to work out what is affordable on your budget once you’ve factored outgoings and debts into the bargain. What Can You Afford?

Money 186

Money Home Debt Buy 186

Savings Corner

APRIL 4, 2024

However, HELOCs have variable interest rates, which means you might pay more in interest as rates fluctuate, and your home is the collateral, so if you don’t repay what you borrow, you could lose your home. This can help you keep your monthly payments down and avoid unnecessary debt and interest.

Credit 40

Credit Home Debt College Tuition 40

The Frugal Girl

FEBRUARY 18, 2024

We share our home with a 70lb rescued mutt. How did you get interested in saving money? At age 12, I started saving up my allowance and babysitting money to buy Christmas gifts for other children who were less fortunate. What’s the “why” behind your money-saving efforts? Enjoying some outdoor time.

Kids and Family 182

Kids and Family Home and Garden Money Frugal 182

Savings Corner

DECEMBER 24, 2023

To calculate your net worth, take inventory of what you own, as well as your outstanding debt. A person can bring home a big paycheck but have a low net worth if they spend most of their money. Tax Filing Webinar — Jan. Tax Filing Webinar — Jan. Find your net worth by using our net worth calculator.

Calculators 52

Calculators Taxes Debt Consumer 52

Savings Corner

APRIL 4, 2024

While you can’t cash out all of your home’s equity, the process gives you access to a larger sum of money without needing to sell your home. Paying down your mortgage helps build equity in your home, but you don’t have to wait until you completely repay it, or sell the property, to access that equity.

Refinancing 52

Refinancing Work Debt Home Improvement 52

Penny Pinchin' Mom

FEBRUARY 16, 2024

The post How to Save Money From Salary Without Sacrificing Your Lifestyle appeared first on Penny Pinchin' Mom. Learning how to save money from your salary without sacrificing your lifestyle is a skill worthy of an entire course subject in the most prestigious of schools. I coupon and hunt for deals like a mad woman!

Saving Money 52

Saving Money Money Saving Bills 52

Prairie Eco-Thrifter

MAY 8, 2011

Welcome to the 18th edition of the Totally Money Carnival. I am talking about spring cleaning your finances and finding more ways you can save money. FruGal presents Why you SHOULD sweat the small stuff when it comes to money – FruGal. Now on to the rest… Save Money this Spring: #1. Save Money this Spring: #2.

Saving Money 232

Saving Money Money Credit Cards Insurance 232

Family Balance Sheet

APRIL 11, 2020

The PA governor has shut down all non-essential businesses indefinitely and we’ve now been ordered to stay at home unless traveling to essential jobs, needed supplies, or outdoor exercise as long as we practice social distancing. We just finished paying off our non-mortgage debts and now we were considering taking out a car loan.

Budget 246

Budget Budgeting Family Debt 246

The Frugal Girl

NOVEMBER 6, 2023

This was a time I had been thinking about not teaching anymore and staying home, so I was looking for new ideas to be thrifty. How did you get interested in saving money? I think I’ve always liked to save money. What’s the “why” behind your money-saving efforts? Why do I want to save money?

Kids and Family 185

Kids and Family Money Home and Garden Frugal 185

Savings Corner

DECEMBER 24, 2023

Debt reduction – How much do you need to pay down and how can you do it? Taxes – How can you minimize your tax bill and ensure the money is there when you need it? A budgeting plan can help you understand where your money is going and how you can adjust your spending to meet your goals.

Goals 52

Goals Debt Taxes Insurance 52

Family Balance Sheet

FEBRUARY 19, 2022

Instead, he shared the story about Susan, a wife, and mother who handled all of the financial tasks in her home, from budgeting to making investment decisions. I read this book around the same time that I became a mother and left the full-time workforce to stay at home with our new baby. After motherhood, this role was my dream job!

Office 130

Office Family Finance Kids and Family 130

Savings Corner

DECEMBER 27, 2023

The worst-case scenario is that you get a loan without a clear picture of its impact on your monthly cash flow, leading you to take on more debt to make up for it. Consolidation puts all of your debts together under one monthly payment at one interest rate.

Debt 52

Debt Refinancing San Antonio Rhode Island 52

Savings Corner

APRIL 4, 2024

To refinance a mortgage, you’ll pay between 2 and 5 percent of the loan amount in closing costs, so if you’re refinancing to save money, you’ll need to calculate your break-even point. When you refinance your home, you’ll apply in a similar way to when you applied to purchase your home. You’ll pay for a home appraisal.

Refinancing 52

Refinancing Work Debt Financial Goals 52

Savings Corner

DECEMBER 25, 2023

With passive income, you can have money coming in even as you pursue your primary job, or if you’re able to build up a solid stream of passive income, you might want to kick back a little. Opportunity: A course can deliver an excellent income stream, because you make money easily after the initial outlay of time.

Money 52

Money Making Real Estate Rent 52

Prairie Eco-Thrifter

OCTOBER 27, 2013

It is so easy to incur debt and keep deferring payment. A relative of mine gradually lost income and assets over a 20 year period, having lifestyle downsizing forced on him multiple times and in multiple ways, from loss of cars all the way to loss of hot water for showering and money for food. Not paying your real estate taxes.

Real Estate 240

Real Estate Taxes Money Debt 240

Savings Corner

APRIL 4, 2024

Key takeaways Determine how much you need before you apply to avoid requesting more money after you’re approved or borrowing more than you need. The steps may vary depending on whether you’re looking for debt consolidation loans , home improvement loans, medical loans or wedding loans.

Debt 52

Debt Credit Cards Credit Home Improvement 52

Family Balance Sheet

DECEMBER 29, 2020

Saving more money is one of the top resolutions that people make…after getting in shape and eating healthier. My mission has always been to help families build a strong financial plan, gain confidence with their money, and live the life of their dreams. For 2021, the bundle includes 10 spreadsheets, 2 trackers, and 2 pdfs.

Budget 130

Budget Budgeting Family Property Taxes 130

Savings Corner

APRIL 4, 2024

Mortgage refinancing is when you replace your current home loan with a new one. A lender orders a home appraisal to assess the current market value of your home, too, to evaluate how much equity you have in it. When you refinance, the borrowed money from your new loan pays off your existing loan.

Calculators 40

Calculators Refinancing Insurance Homeowner Insurance 40

Prairie Eco-Thrifter

JUNE 14, 2012

The Skilled Investor , Editor Budgeting and Economics Paul Vachon presents Frugal Living Made Easy posted at The Frugal Toad , saying, “Frugal living is all about making informed and deliberate choices in how to spend money. In other words, frugality allows me to get more value for my hard earned dollar and who wouldn’t want that?

Money 124

Money 2012 June Credit Cards 124

Prairie Eco-Thrifter

MAY 26, 2011

This usually leads to an increase in your real estate taxes! Increases in your assessed value can sometimes be negotiated downward, saving you tax money. Assessed value is the value that will be used in determining how much you will pay in real estate taxes. What is assessed value? If so, proceed to the next step.

Real Estate 160

Real Estate Taxes Office Property Taxes 160

Prairie Eco-Thrifter

APRIL 6, 2012

. ” Jen presents 6 Free Financial Resources & Tools to Improve Your Finances posted at Master the Art of Saving , saying, “If youre interested in monitoring or improving your finances, then you probably dont want to be spending money to do it. Even professional bond market money managers do not beat the bond market.”

Money 133

Money Finance Personal Finance Real Estate 133

Prairie Eco-Thrifter

MAY 10, 2012

’ Financial Planning Ashley presents Should I Get Married with Debt? posted at Money Talks Coaching , saying, “Money and marriage. Savvy Scot controversially talks about how to spend money and what so many financial bloggers are doing wrong! ” A Blinkin presents Should I Buy A House? Can you blame them?

Money 113

Money May 2012 Debt 113

The Frugal Girl

MARCH 4, 2024

How did you get interested in saving money? I learned to save money by watching my parents. (I Our mom stayed home to raise us kids; she went to work part-time in the local school system after both my brother and I were in school. What’s the “why” behind your money-saving efforts?

Green And Frugal 176

Green And Frugal Kids and Family Hotel Frugal 176

Family Balance Sheet

MAY 27, 2015

Today’s Debt Free Story is from Olivia. I’m a former 3rd grade teacher, but now a stay at home mom and a graphic designer of Joyful Art Designs. We are both planners and despise wasting money on debt/interest, which is what led us to pay off our mortgage as soon as we could! How much debt did you pay off?

Debt 100

Debt Debt Free Pay Off Debt Finds 100

Prairie Eco-Thrifter

MARCH 11, 2012

Whether it’s winning the lottery, receiving settlement, or getting inheriting money, people think that winning from a windfall is far-fetched. Whether you have received a windfall as a birthday gift, graduation gift, or a tax refund, you still need to know how you can spend your money wisely. Get Out of Debt.

Debt 186

Debt Money Win New Cars 186

Family Balance Sheet

JANUARY 20, 2017

I love her passion for helping others along their debt free journey. Krystal & Josh’s Debt Free Story. How much debt did you pay off? What kind of debt was it? It took us four years, but we paid off over $80,000 of debt! We are debt. our home with a GREAT interest rate so we are okay with it.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Family Balance Sheet

FEBRUARY 4, 2015

Today’s Debt Free Story is from Shannon. He now works as an architect, and I do some freelance from home now that we have kids. How much debt did you pay off? How much debt did you pay off? What kind of debt was it? At the point when we finally got serious about paying off our debt we had $22,047 left.

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Prairie Eco-Thrifter

JANUARY 2, 2014

With tax time right around the corner, Oscar at Money is the Root highlights 5 Questions that All Taxpayers Should be Asking. Considering Lending Money to a Family Member? If so, follow these 3 Basic Rules from Bob at Dwindling Debt. Should You Save Or Invest Your Money? Are You Cut Out For Working From Home?

Mars 180

Mars Fridays Haggle Haggling 180

Prairie Eco-Thrifter

MAY 1, 2013

The rule of thumb that states that it makes sense to spend 30% of your income each month on a housing payment doesn’t take into account the fact that you might have other debts, and that taking on more might over-leverage you. The result is that your money will last indefinitely. Your money really can last forever.

Life Insurance 213

Life Insurance Insurance Debt Property Taxes 213

Savings Corner

DECEMBER 25, 2023

Determining how much mortgage I can afford When buying a home, the question, “How much can I borrow?” That’s because even with all the angst involved in applying for and being approved for a home loan, lenders are often inclined to loan you more money than you expect. should be the second question you ask.

Calculators 52

Calculators Illinois Credit Debt 52

Prairie Eco-Thrifter

OCTOBER 21, 2012

Editors Picks: Big Cajun Man from THE Canadian Personal Finance Site shares 10 Phrases I have Used to Save Money. Really, we should all carry a cue card in a our wallet that we can just whip out and use anytime we have an opportunity to save money. ” Amy from Money Mishaps shares how Online Shopping Can Save You Tons.

Personal Finance 219

Personal Finance Finance Debt Money 219

Prairie Eco-Thrifter

FEBRUARY 9, 2012

You spend your money on the wrong stuff. Instead of investing your money in education or your 401K, your money goes to clothes, gadgets, big screen TV’s or alcohol. If you don’t have enough money, it’s time to quit spending on stuff that doesn’t last. You don’t keep track of your money flow.

Money 203

Money Debt Finance Credit Cards 203

Family Balance Sheet

JUNE 8, 2018

Do you feel like you have more month than money? Do you look at your bank account and wonder, “where did all the money go?” Many years ago, our cash flow sucked, we put Christmas on a credit card, and I wasn’t sure how I was going to pay for a large tax bill. ” We’ve been there too.

Budget 133

Budget Budgeting Financial Goals Goals 133