Motherhood Moments

DECEMBER 26, 2022

One of the most impactful resolutions people can make for 2023 is getting out of credit card debt. Credit card debt is rising at a historic pace , and owing a lot can put people in a very difficult position if the job market takes a turn for the worse.

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New Year's Money Finance Debt 130

Family Balance Sheet

JULY 22, 2015

Today’s Debt Free Story is from Deacon. How much debt did you pay off? What kind of debt was it? We paid off $52,000 in consumer debt. It consisted of student loans, a car loan and even some credit card debt. After putting together a budget, it took us 18 months to pay off all of that debt!

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Debt Debt Free Finance Finds 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? Debt and expenses. Credit profile.

Calculators 52

Calculators Debt Insurance Taxes 52

Savings Corner

DECEMBER 27, 2023

What’s behind the numbers in our mortgage amortization calculator An amortization calculator enables you to take a snapshot of the interest and principal (the debt) paid in any month of the loan. In the beginning years, most of each payment goes toward interest and only a little goes to debt reduction.

Calculators 52

Calculators Homeowner Insurance Debt Property Taxes 52

Savings Corner

DECEMBER 23, 2023

As life happens and your needs change, you may find yourself questioning whether your current life insurance coverage is the best fit for you. If you currently have a term life insurance policy but are considering switching to permanent life insurance coverage, you may be wondering if it’s even possible to make the change.

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Life Insurance Insurance College Tuition Fitness 52

Savings Corner

DECEMBER 25, 2023

The mortgage payment calculator can give you a reality check on how much you can expect to pay each month, especially when considering all the costs, including taxes, insurance and private mortgage insurance. A lot of factors go into that assessment, and the main one is debt-to-income ratio. If you’re putting enough money down.

Calculators 52

Calculators Taxes Property Taxes Homeowner Insurance 52

Family Balance Sheet

JANUARY 11, 2019

I won’t rehash our entire health insurance story here, because I have written extensively about it and INCLUDED OUR NUMBERS, so to start from the beginning, read: Why We Left Traditional Health Insurance. Why We Chose Medi-Share, an affordable solution to traditional health insurance. . # 2 – DONE!! It was routine for us.

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Financial Goals Goals 2019 Health Insurance 100

Savings Corner

DECEMBER 24, 2023

Debt reduction – How much do you need to pay down and how can you do it? Insurance – How can you get the right coverage at the right time? 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. Investments – How can you save and invest to grow wealthy?

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Goals Debt Taxes Insurance 52

Family Balance Sheet

MARCH 11, 2021

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. When was the last time you shopped around for homeowners or auto insurance? Bills to review this spring: homeowners insurance. auto insurance. life insurance.

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Finance Cleaning Goals Insurance 130

Family Balance Sheet

APRIL 11, 2020

We paid off our last non-mortgage debt in September and have since sent that loan’s monthly payment to our mortgage principal. We just finished paying off our non-mortgage debts and now we were considering taking out a car loan. Update our Debt Freedom Plan to reflect lessons learned during this crisis.

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Budgeting Budget Family Debt 246

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. To get rid of FHA mortgage insurance.

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Calculators Refinancing Insurance Homeowner Insurance 40

Savings Corner

DECEMBER 25, 2023

That should include the cost of car payments , fuel, insurance and more. Be sure to factor in costs like maintenance, gas and insurance in addition to loan or lease payments. When insurance, fuel and other regular monthly expenses are included, the cost should not exceed 20 percent of your monthly take-home pay. Your location.

Cars 52

Cars Car Insurance Calculators 52

Savings Corner

APRIL 4, 2024

You can use this money for any purpose, including home remodeling , consolidating higher-interest debt , college tuition and other financial needs. Cash-out refinances are generally best for big-ticket costs: Think home renovations or major debt consolidation. The difference between the two is given to you in a lump-sum payment.

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Refinancing Work Debt Home Improvement 52

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. That got me started thinking about life insurance. Life Insurance as a Guarantee If something were to happen to me, I need to ensure that my child will be taken care of.

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Life Insurance Insurance Debt Money 187

Prairie Eco-Thrifter

MAY 2, 2013

If you’re in the market for life insurance, make sure to check out Jules Wilson’s post over on Faithful With a Few shows us How to Find Affordable Life Insurance. Weiss @ The Insurance Protection Blog explains how much insurance a First Time Homeowner needs. The ABC’s of Debt Reduction.

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Life Insurance Insurance Fridays Debt 167

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.

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Debt Health Insurance Insurance Budgeting 130

Savings Corner

APRIL 4, 2024

Key takeaways A home equity loan allows you to borrow a lump sum against your home’s equity, usually at a fixed interest rate that’s lower than other forms of consumer debt. While high compared to their average of six percent in 2022, that’s significantly lower than other forms of consumer debt. What is a home equity loan?

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Home Debt Credit Cards Credit 52

Prairie Eco-Thrifter

JANUARY 19, 2012

My University Money included the guest post, Insuring Your Car: Online Car Insurance versus Insurance Agent in the Carnival of Financial Camaraderie #16. Lastly, Diva in Debt included my post, How to Volunteer More in Carnival of Personal Finance. Prairie Eco-Thrifter Was Included in Six Carnivals This Week.

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Insurance Personal Finance Finance Debt 150

Savings Corner

APRIL 4, 2024

It represents the total debt against the home: both the original mortgage and the size of the new home equity loan or line of credit. Your home equity equals the current value of your home minus your current mortgage debt. However, the extra debt could make your mortgage lender a little nervous.

Calculators 52

Calculators Home Debt Fair-Trade 52

Penny Pinchin' Mom

DECEMBER 17, 2023

Look Into Life Insurance Do you have a life insurance policy? Life insurance will come in handy should anything happen to you or your spouse. The problem is that the world of life insurance is vast, and not every policy is going to be ideal for you. If not, you need to get one. They are not a waste of money.

Finance Tips 52

Finance Tips Finance Emergency Fund Life Insurance 52

Prairie Eco-Thrifter

SEPTEMBER 7, 2021

Host Guarantee Program: Insurance guarantees up to one million dollars through their Host Guarantee program. Senior homeowners can use this money to pay their daily expenses or repay their credit card debt. IS TERM INSURANCE PURE PROTECTION PLAN? million active listings worldwide, here’s why you should choose Airbnb.

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Money Home Rent Making 100

Savings Corner

DECEMBER 25, 2023

Existing debt: Ideally, your total amount of monthly debt obligations (including your mortgage and other loans) shouldn’t account for more than 41% of your monthly pre-tax income. No mortgage insurance: Even with a 0% down payment, VA borrowers don’t pay mortgage insurance. Instead, they pay a one-time funding fee.

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Insurance Debt Credit 2003 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

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. And what happens when you add in property taxes, utility, home insurance, and maintenance?

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Life Insurance Insurance Debt Property Taxes 213

Savings Corner

APRIL 4, 2024

To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. For more information, please see our Insurance Disclosure. At a glance BEST HOME INSURANCE COMPANY OVERALL (TIE) 4.1

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Insurance Life Insurance Homeowner Insurance Cars 52

Prairie Eco-Thrifter

FEBRUARY 21, 2013

There were as always great reads out this week which I have highlighted below: Good Reads From The Blogosphere: If you’re tired of sky-high car insurance premiums, don’t miss Finance Fox’s post on alternative ways to save on car insurance. Paying off debt is hard to do. Paying off debt is hard to do.

Fridays 165

Fridays Insurance Real Estate Debt 165

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. Do you go into panic mode when your car insurance bill arrives? Our personal escrow fund includes: home owners insurance – due yearly. That used to be me.

Finance 100

Finance Property Taxes Organic Organization 100

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

Prairie Eco-Thrifter

JANUARY 2, 2014

If so, follow these 3 Basic Rules from Bob at Dwindling Debt. SBB from Simple Budget Blog has a great post for all you renters out there: Renters Insurance: All the Pros, None of Cons. With tax time right around the corner, Oscar at Money is the Root highlights 5 Questions that All Taxpayers Should be Asking. over at Gajizmo.

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Mars Fridays Haggle Haggling 180

Prairie Eco-Thrifter

JUNE 8, 2021

Debt and financial stress have more of an impact on your health than most people realize. The reason why is because debt contributes to stress, which affects your health. An app can track snoring, sleep talking and other patterns that may affect your ability to rest. Live within your means.

Health 100

Health Gratitude Journal Bath and Body Works 100

Family Balance Sheet

FEBRUARY 19, 2022

Shop around for the best price for our big expenses, such as auto and home insurance, medical needs, and mortgage. Implement our Debt Freedom Plan. Once we came to an agreement that paying off our non-mortgage debt was a priority, I put the plan into action. Create our family’s financial goals and Debt Freedom Plan.

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Office Family Finance Kids and Family 130

Prairie Eco-Thrifter

JANUARY 24, 2013

KK thinks you can think yourself into financial failure –read more at Student Debt Survivor. If you’re in the market for new insurance, make sure to read Deanne’s post about how much life insurance you need at Brighter Life. Interested in learning more about what your home is worth?

Fridays 165

Fridays Life Insurance Insurance Consumerism 165

Family Balance Sheet

OCTOBER 23, 2011

The website strives to educate individuals in making wise choices about credit and debt, investing, education, real estate, insurance, spending, and more." Their "mission is to develop a community of people who try to make financially sound decisions. The site is a wealth of information and I encourage you to go check it out.

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Menu Planning Menu Plans Breakfast Real Estate 127

Prairie Eco-Thrifter

MAY 10, 2012

’ Financial Planning Ashley presents Should I Get Married with Debt? Insurance and Risk Hank presents What Is Gap Insurance On Your Car And Why You Need It posted at Money Q&A , saying, “What is gap insurance? ” Green Panda presents 2 Great Reasons Why Young People Need Life Insurance Too!

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Money May 2012 Debt 113

Prairie Eco-Thrifter

JULY 10, 2014

Would you feel a weight lifted if you could pay off your high-rate consumer debt? The mortgage and other bills (utilities, insurance, etc.) Building a budget or a spending plan around what’s most important to you, at your very core , means that you are far more likely to stick with the current plan. Do you like helping others?

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Budgeting Budget Work Making 218

Savings Corner

DECEMBER 25, 2023

Down payment costs are just the beginning — you’ll also have to account for closing costs and ongoing homeowner expenses, like property taxes and insurance, and you’ll want to budget for maintenance costs. If you’re putting down less than 20% on the home, you’ll have to pay private mortgage insurance , or PMI. Your loan-to-value ratio.

Calculators 52

Calculators Illinois Credit Debt 52

Prairie Eco-Thrifter

SEPTEMBER 26, 2013

at Debt Roundup. Oddities Insured: Vampire Bites, Werewolf Attacks, and Ghosts… Oh My! If you’re in the market for a new car, make sure to read Grayson’s post where he wonders, Should You Pay Cash or Finance Your Next Vehicle? PET Archives : Do I Really Spend US$27,288 Each Year on My Child?

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Fridays Budgeting Budget New Cars 187