Family Balance Sheet

AUGUST 5, 2015

Today’s Debt Free Story is from Jessica. Tell us about you and your family. Hi, We’re the Gann Fam! I am a stay at home mom to 3 kiddos and a cockapoo named Otis. We live a pretty busy lives and when given free weekends at home we love spending time at home on our little farm.

Debt 100

Debt Debt Free Finds Finance 100

Family Balance Sheet

MARCH 19, 2014

Prior to FPU, we thought we were doing well financially and never considered that we had too much debt. We didn’t have credit card debt, we paid off our car notes early, and the interest rate on the student loan was at a low 2.75%, so we thought we were doing okay. But Dave Ramsey’s view of debt is very different.

Debt 100

Debt Money Emergency Fund Goals 100

Family Balance Sheet

APRIL 11, 2020

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. My husband and I are self-employed and our business is considered essential, but very few people are leaving their homes right now, understandably.

Budget 246

Budget Budgeting Family Debt 246

Savings Corner

DECEMBER 25, 2023

With a cash-out refinance , you’re getting a new loan that’s for more than you owe on your current mortgage. ” The amount of cash you can get depends upon your home equity — how much your home is worth compared to how much you owe. You’ll need an appraisal to determine your home’s current value.

Refinancing 52

Refinancing Debt Credit Cards College Tuition 52

Family Balance Sheet

JANUARY 2, 2021

I wanted to reduce our non-mortgage debt, my clutter, my distractions, my impact on the environment, and my consumption of sweets. We paid off all of our non-mortgage debt in 2019, so we felt we could shift our focus to saving money for other goals, like retirement and college savings. 2019 Debt Freedom Plan Update.

Debt 130

Debt 2020 2019 Financial Goals 130

Family Balance Sheet

JANUARY 20, 2023

That was the year that we made the goal of paying off the last of our non-mortgage debts and we achieved it by September of that year. In 2022, I wanted to do a major purge of our home , and that lasted until about January 15 of 2022 when I reorganized our kitchen cabinets. We used the snowball method to pay off our non-mortgage debts.

Financial Goals 130

Financial Goals Goals Debt College 130

Family Balance Sheet

MARCH 11, 2021

If your winter was as long and cold as mine, then you’re also looking forward to opening windows, breathing in the fresh air, and soaking up the sunshine. For many, it’s a time to clean the house and the closets, wash the windows of their winter grime, and air out our homes. Did you use the S.M.A.R.T. R – realistic.

Finance 130

Finance Cleaning Goals Insurance 130

Savings Corner

DECEMBER 25, 2023

How to use the mortgage calculator Under “Home price,” enter the price (if you’re buying) or the current value (if you’re refinancing). A down payment is the cash you pay upfront for a home, and home equity is the value of the home, minus what you owe.

Calculators 52

Calculators Taxes Property Taxes Homeowner Insurance 52

Family Balance Sheet

OCTOBER 16, 2017

The spreadsheet listed our short-term and long-term account balances, our debts, and our short-term and long-term financial goals. I STILL use our spreadsheet today. The original spreadsheet tallied up the assets on one side and the liabilities/debts on the other side, but didn’t include this calculation. What changed?

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Family Financial Goals Debt Calculators 100

The Frugal Girl

DECEMBER 11, 2023

My husband and I have four kids ranging from age 3-8, and I am a stay-at-home mom. Last year, to make a little extra cash, I started boarding dogs through Rover, and I am about to start a very very part time job using my RN license for a home care company. and realized we should pay off this debt as quickly as possible.

Money 195

Money Kids and Family Frugal Parenting 195

Savings Corner

DECEMBER 25, 2023

Unlike a credit card, however, you shouldn’t use a HELOC to pay for everyday expenses. Just like with your first mortgage, you could lose your home to foreclosure if you aren’t able to make payments. Because of this risk, it’s best to use your equity to reinvest in your home with projects that will increase its value.

Credit Cards 52

Credit Cards Credit Re-use Home 52

Prairie Eco-Thrifter

MAY 16, 2013

Check them out: Good Reads From The Blogosphere: When you’re aggressively trying to pay down debt, you may feel that you’ve done all you can to curb your expenses, but have you really? Don’t miss Melissa’s post at My Personal Finance Journey if you Think You’re Sacrificing to Pay Down Debt? Think Again.

Fridays 187

Fridays Debt Unemployment Rent 187

Family Balance Sheet

FEBRUARY 6, 2021

We think we’ll use the money towards summer vacation. We’re converting our basement to a family room area and the original family room (in the pic above) is becoming a home office. We’re converting our basement to a family room area and the original family room (in the pic above) is becoming a home office.

Finance 130

Finance January Family 2020 130

Prairie Eco-Thrifter

FEBRUARY 14, 2013

The blog is suffering, time with the hubby is lacking, my to do list at home is growing exponentially, and the board I am on is also keeping me hopping. Calling all homeowners: Make sure to read iHeartBudgets’ post about how a simple home maintenance exercise saved $300,000. Looking to buy a home?

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Debt Fridays Finance Re-use 171

Family Balance Sheet

DECEMBER 28, 2016

If you’re thinking about some resolutions for 2017 that have to do with YOUR finances, then I’m inviting you to join me in January for the New Year New You Financial Summit. The summit is online and you can view from the comforts of your own home! Toni Husbands of Debt Free Divas. Elle Martinez of Couple Money.

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New Year's Debt Personal Finance Real Estate 100

Family Balance Sheet

JUNE 22, 2020

It was so big that I cried for two days straight– we paid off six figures in non-mortgage debts. How we got to six figures of non-mortgage debt: In the summer of 2012, we found an opportunity to purchase an office building for our small business. After the first year, the new business debt weighed on me.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Prairie Eco-Thrifter

OCTOBER 24, 2013

In Canada, there is a little more caution with regard to buying a home, since there are fears — especially in certain markets — that a bubble is involved. No matter where you live, buying a home is a big commitment, so you shouldn’t enter into the transaction lightly. Some think that a home makes a good investment.

Buy 217

Buy Buying Debt Emergency Fund 217

Family Balance Sheet

JANUARY 20, 2017

I love her passion for helping others along their debt free journey. Krystal & Josh’s Debt Free Story. Tell us about you and your family. 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. towards debt.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

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

Prairie Eco-Thrifter

MAY 25, 2014

Me from 15 years ago would get an earful about what not to do, and advice on budgeting and saving and staying out of debt. I’m trying to be a little more hands-on with my son, and talk more openly about money (which is something that didn’t happen much in my parents’ home. Why Aren’t You Doing THIS?

Money 209

Money Giving Las Vegas Credit Card Rewards 209

Savings Corner

FEBRUARY 2, 2024

Activating and tracking categories might be too much of a hassle for some students brand new to credit cards, but if you’re up for a little work, the rewards can be handsome. Having good credit will be important down the road when you want to buy a home or get a car loan, but there are even more immediate benefits.

Credit Cards 52

Credit Cards Student Credit College 52

Family Balance Sheet

APRIL 29, 2015

Looking for new recipes, money-saving ideas, home-management tips, and strategies for debt-free living? So if you’re interested in subscribing to my free FBS Weekly, then you might have a chance to give these books a new life. Debt Free for Life By David Bach. Raising Financially Confident Kids by Mary Hunt.

Win 100

Win Personal Finance Debt Debt Free 100

Savings Corner

DECEMBER 24, 2023

Debt reduction – How much do you need to pay down and how can you do it? Debt reduction If you’ve piled on too much debt, a financial plan can help you devise a way to get out from under it. Whichever way you go, this kind of plan helps you get out of the habits that are piling you under debt. And how big?

Goals 52

Goals Debt Taxes Insurance 52

Family Balance Sheet

AUGUST 11, 2016

They’re taking a gap year between high school and college. We’re struggling with it all too. If you’re married, you MUST do this with your spouse.) We charted out our course of action to pay off debts and start saving for retirement. Although I have not personally used this resource. It is a lot.

Emergency Fund 100

Emergency Fund Money Finance Debt 100

Family Balance Sheet

APRIL 2, 2022

Include everything from weekend trips to longer vacations, yard/garden projects, home renovations, kids’ camps, gear and clothing, and any other summer expense you might have. Swap with another family who could use a date night too. We used to live near a trail that was very shaded and had picnic tables along the path.

Budgeting 130

Budgeting Budget Friends And Family Sale Home and Garden 130

Prairie Eco-Thrifter

JANUARY 17, 2013

I wouldn’t mind normally, but I really could use a weekend to catch my breath. Student Debt Survivor recently had a milestone birthday. Don’t miss Fearless Men’s post about running for the injured man if you’re interested in joining the barefoot running trend. Managing Debt Is A Marathon Not A Sprint.

Fridays 150

Fridays Student Motivation Debt 150

Prairie Eco-Thrifter

JANUARY 24, 2013

KK thinks you can think yourself into financial failure –read more at Student Debt Survivor. Interested in learning more about what your home is worth? David’s post about how to know the true value of a home at Young Adult Money is a great place to start! 10 reasons you’re broke. How to re-use common items.

Fridays 165

Fridays Life Insurance Insurance Consumerism 165

Family Balance Sheet

MARCH 12, 2015

If your winter was as long and cold as mine, then you’re also looking forward to opening the windows to fresh air and plenty of sunshine. On January 1st, we’re so gung-ho about writing goals, but are we just as enthusiastic about those goals on March 11? When reviewing your goals, did you use the S.M.A.R.T.

Finance 100

Finance Cleaning Financial Goals Goals 100

Family Balance Sheet

JUNE 17, 2018

We sent them off on Monday morning and they came home Saturday afternoon. We used gift cards on 3 nights, ate leftovers on 1 night, and grilled burgers on the last night. One of the gift cards was given to us TWO years ago for Christmas. Our home was very quiet and we missed our girls terribly, but we had a wonderful week too.

Home and Garden 100

Home and Garden Financial Goals Friends And Family Sale Gardening 100

Family Balance Sheet

FEBRUARY 10, 2017

As I reflect back to January 2016, I started that year pretty determined to pay off the balance of our non-mortgage debts. Unfortunately, we did not hit that goal and in part, have made some major changes to our Debt Freedom Plan. Our Debt Freedom Plan Started in 2013: The year 2012 was quite exciting for me and my husband.

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Debt 2017 Student 2016 100

Family Balance Sheet

DECEMBER 10, 2014

Today’s Debt Free Story is from Carrie. Tell us about you and your family. Yep, we’re newlyweds and eloped together in December 2013. I got tired of being left at home because I had a day job, so now we get to travel together and create our own adventures. How much debt did you pay off? Next summer?

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Debt Debt Free Financial Goals Goals 227

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.

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Debt Free Debt Budgeting Budget 100

Family Balance Sheet

APRIL 1, 2021

He then advises paying off your non-mortgage debt before fully funding an emergency fund with 3 – 6 months worth of expenses. Now that we’ve paid off six figures of non-mortgage debt , we are working on saving 6 months’ expenses and maybe even more. 4 – Skip the AM drive-thru and eat breakfast at home.

Emergency Fund 130

Emergency Fund Money Finds Friends And Family Sale 130

Prairie Eco-Thrifter

OCTOBER 4, 2011

With the advent of the Great Recession, today’s populations are re-learning frugality and expense reduction. We were so poor that we re-used coffee grounds to make more coffee! By exercising at home instead of paying gym fees we saved $600 per year for 17 years ($10,200). 40,720 Home Repair.

Home and Garden 198

Home and Garden Cars Car Re-use 198

Prairie Eco-Thrifter

MAY 21, 2012

If you’re anything like me, you’ve most likely found yourself sucked into the wonderful world of Pinterest at least once. Whether you’re spending minutes or hours pinning photos of your favorite meals, outfits or vacation destinations, there is a wealth of money-saving knowledge floating around on those boards.

Money 188

Money DIY Saving Money Saving 188

Saving Cents With Sense

FEBRUARY 28, 2014

Unfortunately, navigating the financial world wasn’t on their list of life lessons to impart, leaving you to figure it out by yourself once you’re out on your own. With PNC reporting that the average 20-something faces $45,000 in debt, and Generation Opportunity finding a 15.9 This site uses affiliate links.

Parenting 81

Parenting Economy Student Cars 81

Prairie Eco-Thrifter

OCTOBER 15, 2011

You will learn exactly what settings, plugins, and themes he uses. Good Financial Cents: What to Watch For With Debt Settlement Companies Considering using a debt settlement company? Here’s some tips to be wary of when trying to consolidate your debt. Personal Finance Whiz : What Is An Emergency Fund?

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October 2011 Finance Personal Finance 200