Family Balance Sheet

MARCH 5, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. In January, I found more extra money than I ever have and I was so excited about it, BUT unexpectedly, February…blew.it.out.of.the.water! In January 2020, we booked round-trip flights to Paris for the four of us.

February 257

February Money Airline Flights 257

Motherhood Moments

DECEMBER 26, 2022

This is actually the second straight year in which more than three-quarters of people said their spending on January 1 festivities would decline year over year,” said Jill Gonzalez, WalletHub analyst. “As Americans are planning to spend less on New Year’s plans this year than last year, according to a new WalletHub survey.

New Year's 130

New Year's Money Finance Debt 130

Family Balance Sheet

JANUARY 5, 2011

David Bach, the author of the Finish Rich books and The Automatic Millionaire is offering a FREE downloadable copy of his new book, " Debt Free For Life: The Finish Rich Plan to Financial Freedom ". But the offer is only available on Wednesday, January 5 for 24 hours. So click here to download this FREE copy.

Debt Free 164

Debt Free Debt January Fans 164

Family Balance Sheet

OCTOBER 8, 2015

The average American will spend about $700 on holiday purchases* and unfortunately many people will get a little surprise in the mail in January when the credit card bills start rolling in. 3 Smart Steps to a Debt Free Christmas. Take these steps and have a Debt Free Christmas. Create a Budget. Let us know in the comments.

Debt Free 100

Debt Free Debt Christmas Budgeting 100

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. In January 2020, we had a lot of savings goals. 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.

Debt 130

Debt 2020 2019 Financial Goals 130

Family Balance Sheet

MAY 4, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. Years ago during our Debt Freedom Plan, I avoided using credit cards, not because we had credit card debt, but I was trying to limit our overall spending. January 2021 – I found $1681. Share your findings in the comments.

April 130

April Money Credit Cards Donation 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. This is not an elective, fun, no-spend month like what we did in January to find funds for our summer vacation. In January and February, my husband and I were contemplating replacing our 12.5

Budgeting 246

Budgeting Budget Family Debt 246

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

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. 10.16% The average $30,000 HELOC rate as of the beginning of January 2024 — up from 7.62% in January 2023. What is a home equity loan? to 10 percent.

Home 52

Home Debt Credit Cards Credit 52

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. This summit runs January 9-13, 2017 and consists of 15 workshops over those 5 days. Toni Husbands of Debt Free Divas. 8 pm EST: TBD.

New Year's 100

New Year's Debt Personal Finance Real Estate 100

Prairie Eco-Thrifter

JANUARY 7, 2011

Reducing Debt. Mrs. Not Made of Money shares her wisdom on how we can cure a hangover, a debt hangover that is. The Saved Quarter has 11 prizes to give away but hurry because the contest closes January 8/11. The best part is is that all of the changes are eligible for tax credits. Investing Wisely. Yakezie Scholarship.

January 113

January Personal Finance Finance Green And Frugal 113

Family Balance Sheet

APRIL 2, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. January and February were stellar months with finding money. Found Money Recap: January 2021 – I found $1681. Over the years, I have found money through rebates, refunds, online sales, and even the ground.

March 130

March Money Donation Credit Cards 130

Prairie Eco-Thrifter

JANUARY 28, 2011

Reducing Debt. Not Made of Money shares with us some tips on how to stay motivated at paying off our debt. I had to remind myself that being debt free was the first step to fulfilling my dreams. for Week of January 3-January 7/11- Headed Overseas Edition. for Week of January 10-14/11-Seeking Balance Edition.

January 124

January 2010 Personal Finance Finance 124

Saving Everyday

JANUARY 16, 2014

Frugal Living: Powerful Family Budget And Debt Management Plan Advice For Abundance And Debt Free Living. The post 10 FREE Kindle Books For January 19th appeared first on Saving Every Day. The Loyal Servant. 52 Delicious & Healthy SUPERFOOD Breakfasts Under 300 Calories. Boredom Busters! The UnTied Kingdom. Sign up here!

January 45

January Debt Debt Free Frugal Lives 45

Prairie Eco-Thrifter

FEBRUARY 4, 2011

Punch Debt in the Face tells us why no spend challenges are for wussies. Reducing Debt. Live Real, Now shares 5 strategies we can use to prevent debt burnout. I mean come on, reducing debt can be stressful and take a real toll sometimes. for Week of January 3-January 7/11- Headed Overseas Edition.

January 113

January February Debt Personal Finance 113

Family Balance Sheet

MARCH 11, 2021

On January 1st, many of us are very gung-ho about writing goals but are we as enthusiastic about those goals on March 12? 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. 7 Ways to Spring Clean Your Finances. Review your Yearly Goals.

Finance 130

Finance Cleaning Goals Insurance 130

Family Balance Sheet

FEBRUARY 4, 2015

Today’s Debt Free Story is from Shannon. How much debt did you pay off? What kind of debt was it? As many students do these days, we had tens of thousands of dollars of debt by the time we graduated with our Masters degrees. 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

Family Balance Sheet

NOVEMBER 18, 2022

Americans will spend about $900 on holiday purchases** and unfortunately, many people will get a little surprise in the mail in January when the credit card bills start rolling in. Take these steps and have a Debt Free Christmas. That merry time of year that is filled with faith, family, food, and a little bit of shopping.

Christmas 130

Christmas Budgeting Budget Money 130

Family Balance Sheet

JULY 9, 2014

When my husband and I wrote our Debt Freedom Plan earlier this year, we made a commitment to scrutinize our monthly expenses to find money to put towards our plan. I knew I could do better, so in January 2014, I made a commitment to reduce our grocery spending, but not sacrifice the quality of food and meals that I fed my family.

Grocery Spending 242

Grocery Spending Financial Goals January Budgeting 242

Savings Corner

DECEMBER 27, 2023

These loans come with credit-building tools, flexible repayment terms and special features for debt consolidation and home improvement projects. Direct payment to creditors with debt consolidation loans. Maximum debt-to-income ratio: 75%, including mortgage and the loan you’re applying for. Minimum annual income: None.

Credit 52

Credit January Debt Credit Cards 52

Family Balance Sheet

JANUARY 26, 2016

As God is my witness, it WILL be the year that we pay off the last of our non-mortgage debt. At the time, we had 4 business loans and 1 student loan that were weighing on us, so we created our Debt Freedom Plan. Apply any Found Money to Debt. I’ll apply that money to the debt. Do you want to eliminate debt too?

Financial Goals 100

Financial Goals Goals 2016 Debt 100

Family Balance Sheet

FEBRUARY 2, 2017

They pay off mountains of debt and scream about debt freedom, or maybe they save gobs of money in a record amount of time, or they have considerable success with their new small business. Meet The Achievers: Deacon and his wife paid off $52,000 in debt in 18 months. His 2017 goal is to make $100,000 in online income.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Prairie Eco-Thrifter

JANUARY 14, 2011

Reducing Debt. The Digerati Life shares insight as to when you should get help in trying to pay off your debt. Man vs. Debt shares with us how to not suck at our resolutions this year. We have done this for ages now. In fact, we always make sure to use up what we have before heading back out to the grocery store. You know what?

January 113

January Personal Finance Green And Frugal Finance 113

Family Balance Sheet

JANUARY 1, 2015

Every January 1, I get caught up in the hopeful feeling of the upcoming new 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.

2015 100

2015 Money Debt Home and Garden 100

The Frugal Girl

FEBRUARY 18, 2024

In January, the four of us put together a long list of games we wanted to play, many of which were just gathering dust in the basement, and it has become a joint New Year’s resolution to get through all of them before the year is over! My family loves watching movies and tv series together, and having regular game nights. A freebie cabinet.

Kids and Family 184

Kids and Family Home and Garden Money Frugal 184

Saving In Akron

JANUARY 12, 2012

If you've been wanting to invest in Dave Ramsey's program for eliminating your debt, now's the perfect time. Learn how to set up a cash flow plan, live within your means, pay off your debt, and have enough extra cash for saving and entertainment. That's 63% discount off the regular price!

Education 113

Education Money Free Shipping Software 113

Family Balance Sheet

OCTOBER 6, 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. Earlier this year, my husband and I wrote a specific list of financial goals and named it Our Debt Freedom Plan. Welcome to 31 Days to Organize Your Finances.

Financial Goals 113

Financial Goals Goals Finance Organic 113

Family Balance Sheet

JUNE 4, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. January 2021 – I found $1681. Over the years, I have found money through rebates, refunds, online sales, and even the ground. Yep, I found a $20 bill while running on the beach! Through May of 2021, I have found over $6800 for the year!

Money 130

Money May Donation 2020 130

Family Balance Sheet

DECEMBER 29, 2020

One January, we received a very large credit card bill in the mail. When the following Christmas rolled around, we were able to use cash and slept quite soundly in January knowing there wouldn’t be any large bills in our mailbox. Savings Goals – Set savings goals for the year and use this spreadsheet to track your progress.

Budgeting 130

Budgeting Budget Family Property Taxes 130

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. And we were on a roll in January 2016. Unfortunately, we did not hit that goal and in part, have made some major changes to our Debt Freedom Plan. I even created a hashtag, #crushingdebt2016.

Debt 100

Debt 2017 Student 2016 100

Finally Frugal

SEPTEMBER 10, 2012

Here's a more organized update (and then I'll explain my dilemma): Here's where things stand now, in early-mid September 2012: Second Mortgage Debt: $31,400::::$25,176. Student Loan Debt: $61,762::::$29,318. Primary Mortgage Debt: $167,500::::$154,209. Student Loan Debt: $61,762::::$39,070. What would you do?

Debt 45

Debt Student Taxes January 45

Family Balance Sheet

AUGUST 11, 2016

We charted out our course of action to pay off debts and start saving for retirement. It’s taking forever for us to accomplish the step we’re on (paying off our non-mortgage debt), but we keep plugging away. We have completely stopped any retirement contributions, so we can apply that money towards our debts (we had A LOT).

Emergency Fund 100

Emergency Fund Money Finance Debt 100

Family Balance Sheet

JANUARY 10, 2012

A sunny day in the middle of January called us outdoors. Column E = Monthly debt payment. How much do we want to reduce debt by? The following post is as much a reminder for me as it is for everyone else. Life happened this weekend. A movie night and popcorn enjoyed with the kiddos. Sunday lunch spent with extended family.

Finance 138

Finance Financial Goals Goals C&H 138

Family Balance Sheet

APRIL 1, 2011

Did you make some financial goals for 2011 back in January? If you didn't make any goals in January, take some time to plan for the balance of the year. It is a one page, visual reminder of our assets (checking, savings and retirement accounts), our liabilities (our debts) and our financial goals.

Finance 127

Finance Financial Goals Goals Credit 127

Finally Frugal

FEBRUARY 2, 2011

I don't know if it's because I'm coming off of an exhausting cold and am not yet feeling 100% again, or if I need to readjust my work life (and debt repayment plans), but I feel as if my debt payments are just a drop in the bucket. When will I start to see a real difference in my student loan debt?

Debt 45

Debt Motivation Student Graduation 45

Family Balance Sheet

JANUARY 5, 2019

It’s been a trend every January and I’ve always found it interesting to read how other people have come up with their one word. I want to reduce our debt by paying off our last non-mortgage loan. . For the month of January, I am eliminating foods where sugar is the primary ingredient, such as desserts, sugary drinks, pastries, etc.

2019 100

2019 Recycle Recycled Recycling 100

Family Balance Sheet

OCTOBER 15, 2021

Prior to 2020, we spent years aggressively paying off six figures of non-mortgage debts , so saving for college was sporadic deposits into a regulard savings account and basically on the back burner. In January of 2020, I was gung-ho about saving for college, however, I had no idea what was about to happen.

College 130

College Used 2020 Saving 130