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

Savings Corner

DECEMBER 24, 2023

Key takeaways A personal loan is money you can borrow to finance large purchases, consolidate debt, invest in yourself or cover emergency expenses. Working to improve your credit score and reduce your debt-to-income ratio before applying can help get you the best loan terms.

Debt 52

Debt Credit Cards Credit College Tuition 52

Family Balance Sheet

JUNE 4, 2015

However a few years ago, we found ourselves with too much debt and not enough cash. The building offered so much potential, but needed a lot of work and we set out to renovate our dream office. The business softened, renovations were more costly than expected, and we were now the owners of two mortgages, our home and our business.

Goals 100

Goals Debt Renovation Daughter 100

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

Prairie Eco-Thrifter

DECEMBER 19, 2013

I have been traveling a lot for work lately and have not been home much in weeks. It is really nice to not have to go to work today and have a day where I can concentrate on the home life. Staring a home renovation? Today I am enjoying a day off with my husband. PET Archives : Save Money on Rent. 10 Reasons You’re Broke.

Fridays 167

Fridays Finance Personal Finance Renovation 167

Family Balance Sheet

SEPTEMBER 21, 2015

We carried no credit card debt and we contributed to our retirement. But in August 2013, our business softened, renovations to our new building were more costly than planned, and we were now the owners of two mortgages, our home and our business. I created our Debt Freedom Plan and we still follow it today.

Finance 100

Finance Debt August 2013 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

Family Balance Sheet

DECEMBER 29, 2020

Special Purchases – Have some fun with this spreadsheet and use it to plan for upcoming large expenses, such as vacations, home renovations, equipment, replacement, etc. Summer Planning – Use this spreadsheet to plan for your summer fun, such as vacations, day trips, pool memberships, home/landscaping renovations, etc.

Budgeting 130

Budgeting Budget Family Property Taxes 130

Prairie Eco-Thrifter

JUNE 6, 2013

My friend Jackie over at The Debt Myth has created a Pay Off Debt App which I think is very cool. She has lived the journey of being sunken in debt and then freeing herself and now she is trying to help others do the same with her new app. Saving Money on Renovations. It really makes me happy. How To Organize A Project.

Debt 145

Debt Fridays Win Green And Frugal 145

Savings Corner

APRIL 4, 2024

Images by Getty Images; Illustration by Hunter Newton/Bankrate Although interest rates aren’t as favorable as they were in recent years, refinancing might make sense for homeowners who want to pull out cash to renovate their homes. Based on those benchmarks, here is our guide to the best mortgage refinance lenders in 2024.

Refinancing 40

Refinancing Bank Banking Credit 40

Family Balance Sheet

JANUARY 26, 2011

I work a budget around what comes in, what we spend and what I would like to spend, hopefully leaving some leftover to devote to more debt reduction or savings. Our "Household" category could be anything from light bulbs to major home renovations. We have around 20 categories. It doesn't always work out in my favor.

Debt 147

Debt Renovation Leftovers Software 147

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. Fun @ Home: Host a backyard S’mores party. Fun & Budget-Friendly Summer Activities in Central PA – Welcome to my home state!

Budgeting 130

Budgeting Budget Friends And Family Sale Home and Garden 130

Prairie Eco-Thrifter

MAY 9, 2011

When you are working on a home renovation, buy your screws, nails, and other bits out of the bins and not those packaged in boxes. When you are shopping for groceries, get as much as you can out of the bulk bins so that you do’t have to bring home loads of packaging containers. 5 Ways to Reduce Your Debt.

Reuse 174

Reuse Recycle Recycled Recycling 174

Savings Corner

APRIL 4, 2024

The steps may vary depending on whether you’re looking for debt consolidation loans , home improvement loans, medical loans or wedding loans. Personal loan qualification requirements Your credit score , income and debt are usually evaluated by personal loan lenders to see if you qualify.

Debt 52

Debt Credit Cards Credit Home Improvement 52

Saving With Shellie

JULY 22, 2011

I encouraged you to build an emergency fund or pay down debt with your savings. If you thought my goal was lofty, you should cheek out some of theirs: Merissa at Little House on the Prairie Living is working towards saving to build a new home. Deidre at Cuckoo for Coupon Deals is pledging to be Debt Free in Three Years.

Goals 49

Goals Emergency Fund Financial Goals Debt 49

Family Balance Sheet

JANUARY 17, 2018

This is our very last non-mortgage loan and we send an extra payment every month as part of our Debt Freedom Plan. I’ll apply that money to the debt. Our Debt Freedom Plan (an update): In 2013, we found ourselves with a lot of debt and not enough cash flow. You can read my original post: Our Debt Freedom Plan Begins.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

Savings Corner

DECEMBER 25, 2023

Coming up with enough cash for a down payment to buy a house can be the single biggest roadblock for prospective home buyers. A down payment is the cash you pay upfront to make a large purchase, such as a home. A 10% down payment on a $350,000 home would be $35,000. But how much of a down payment do you really need?

Insurance 52

Insurance Home Refinancing Money 52

Family Balance Sheet

JUNE 8, 2018

I came up with strategies to help us pay for yearly bills, large expenses, and we were able to pay off debts. I discovered the term, Zero-Based Budget, when my husband and I took Dave Ramsey’s Financial Peace University home course many years ago. During that time, I started to budget for everything.

Budgeting 133

Budgeting Budget Financial Goals Goals 133