US Presidents and Personal Finance

Prairie Eco-Thrifter

Some of our presidents didn’t really have it all together on the personal level. I wonder if that could be part of our national debt problem. Grant also did poorly in personal finance. He ended up hundreds of thousands of dollars in debt and only salvaged his estate by selling (after his death) his civil war memoirs. In more recent times, President Truman also did poorly on the personal finance front.

The Deadly Sins of Personal Finance

Prairie Eco-Thrifter

Lots of people will say that there’s no real formula for personal finance, because it’s personal. Everyone has different circumstances to take into account, whether it’s their family structure, personal situation, luck (or lack thereof), and their values. Too much of any of these following behaviours will kill anybody’s finances, and, not only that but may lead to poor behaviours in other areas as well.

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Carnival of Personal Finance #316- Family Edition

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Hello and welcome to the 316th Carnival of Personal Finance- Family Edition. Philip from Deliver Away Debt shares his story: How I Delivered Away My Debt. Big Cajun Man from THE Canadian Personal Finance Site asks What is Your Financial Plan B? mbhunter from Mighty Bargain Hunter asks Are you contributing to this debt clock? Ken from Spruce Up Your Finances asks Need A Down Payment For Your House?

Carnival of Personal Finance #384 – Time for a Laugh Edition

Prairie Eco-Thrifter

Hello and welcome to this week’s Carnival of Personal Finance. If any of you have seen me host carnivals before you know that I like to add in some funny clips about personal finance for your enjoyment. Editors Picks: Big Cajun Man from THE Canadian Personal Finance Site shares 10 Phrases I have Used to Save Money. Eric from Narrow Bridge Finance tells us what The True Cost of Something That is Free.

The 5 Most Important Personal Finance Lessons to Teach your Child

Prairie Eco-Thrifter

Before you get ready to shove those kids of yours out of the nest, here are what I consider to be (based on my experience as a person, a Mom, and a Grandma) the most important things you (or someone) should teach them about personal finance. I hope to show you how to use debt wisely. There are lots of ways to get into to debt. Not everyone has the ‘same money personality’ as you do.

The Top Personal Finance Tips For Recent Graduates; From 10 different Finance Experts

Prairie Eco-Thrifter

She runs MoneyZen Wealth Management , and has a financial blog geared toward helping women master their finances. How we handle our money early in life can impact us in future years- for example, young adults who rely on credit may find themselves continuing this pattern throughout life and consumed with debt.” If Gen Y expects a similar lifestyle to their parents, they need to be consciously tackling their debt, managing spending habits and preparing for their financial future.”

Reader Story: It’s Never too Late to Start: Personal Finance Planning for Over-40s

Prairie Eco-Thrifter

I mean, I was young, life was good, things were happening; what did I need all that finance stuff for? Better late than never’ is a good approach to personal finance for the over 40s. There are lots of financial advisors out there who are trained in the art of financial planning , debt reduction and other financial strategies. A big problem faced by the over 40s, as they work towards a comfortable retirement, is debt.

Find out how Maureen Paid off $79,540 in Credit Card & Student Loan Debt

Family Balance Sheet

Today’s Debt Free Story is from Maureen. She writes at A Debt Free Stress Free Life. Include anything that you’d like to add to give the reader an idea about your personality. Besides writing on my personal finance blog, A Debt Free Stress Free Life, I’m an adjunct professor at a local college and own a residential and commercial cleaning business. How much debt did you pay off? What kind of debt was it? Debt is the same thing.

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Find out how Richard paid off $40,000 of debt

Family Balance Sheet

Today’s Debt Free Story is from Richard of Frugality Magazine , where he shares frugal living tips for financial freedom. Include anything that you’d like to add to give the reader an idea about your personality. How much debt did you pay off? What kind of debt was it? In total I estimate I paid off round $40,000 worth of debt, though depressingly a fair chunk of that was just interest. I left university, as so many do, with a fair chunk of debt.

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Get Debt Free With DIY Debt Settlement

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Guest Post Author Bio: This guest post was written by Frank Collins, a professional writer specialized in topics related to personal finance, debt relief, credit repair and more. If you are willing to settle your debts on your own, pass through the debt settlement blog for more tips and advice on the topic. Debt settlement companies have a reputation of scamming consumers out of their money and doing little or nothing to pay off their debts.

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Our Debt Freedom Plan | Marriage & Money

Family Balance Sheet

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 is Dumb and Cash is King.” We never considered all debt to be dumb. Our Debt Freedom Plan.

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5 Easy Ways to Start Paying Down Your Credit Card Debt

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The following is a guest post from our friends across the pond – MoneyCrashers.com David Bakke is a financial contributor for Money Crashers Personal Finance. After digging himself out of over $30,000 in credit card debt, he made it his mission to help others do the same. The level of consumer debt in both the. Finance credit cards get out of debt

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Find out how Anna paid off $23,605 in college, personal loans, and credit cards.

Family Balance Sheet

Today’s Debt Free Story is from Anna. She is on a mission to help others become debt free. She writes at her personal finance website, And Then We Saved. How much debt did you pay off? What kind of debt was it? It was a mix of college loans, a personal loan from my parents (for college), an overdraft account, and credit card debt. What inspired you to get debt free? If married, who initiated the debt free goal?

Find out how Jessica paid off $56,000 of student loans, credit cards, and a car loan.

Family Balance Sheet

Today’s Debt Free Story is from Jessica. I work in Finance/Accounting for a large corporation but I have also started a company called Every Single Dollar , which focuses on personal finance for single women. How much debt did you pay off? What kind of debt was it? I had $56,000 of debt when I decided to become debt free. What inspired you to get debt free? I read it in two days and I was sold on the idea of being debt free.

My 2020 Financial Goals & A Recap of 2019

Family Balance Sheet

My word was REDUCE: Non-mortgage debt to zero. There were hits and misses on this list, and many are things that I will continue to work on, but let’s recap: 1 – Reduce non-mortgage debt to zero. We’ve been working since 2013 to pay off a boat load of non-mortgage debt. He was not as enthused, but he’s also not a morning person. It was a long road and we were finally non-mortgage debt FREE!! Our Debt Freedom Plan

CreditSesame – Free Credit Score

freestuff.tv

Credit Sesame is a 100% free personal finance credit and debt management tool with no credit card required or trial period. Credit Sesame makes managing personal credit online, owing less in interest and saving on mortgage, loan & credit card payments easy! If you’re serious about doing something positive regarding your finances, check them out today.

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CreditSesame – Free Credit Score

freestuff.tv

Credit Sesame is a 100% free personal finance credit and debt management tool with no credit card required or trial period. Credit Sesame makes managing personal credit online, owing less in interest and saving on mortgage, loan & credit card payments easy! If you’re serious about doing something positive regarding your finances, check them out today.

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CreditSesame – Free Credit Score

freestuff.tv

Credit Sesame is a 100% free personal finance credit and debt management tool with no credit card required or trial period. Credit Sesame makes managing personal credit online, owing less in interest and saving on mortgage, loan & credit card payments easy! If you’re serious about doing something positive regarding your finances, check them out today.

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Prairie Eco-Thrifter has been Featured in the Totally Money Carnival #21

Prairie Eco-Thrifter

Many thanks to The Family CEO for including my post The ABC’s of Debt Reduction in this week’s Totally Money Carnival. Please check out the carnival and the load of great submissions from other experts in personal finance. Related posts: Prairie Eco-Thrifter has Been Featured in the Totally Money Carnival #5. Prairie Eco-Thrifter has Been Featured in the Totally Money Carnival. Prairie Eco-Thrifter has Been Featured in the Totally Money Carnival. Appearances In

Are Peer Loans Too Risky or the Way of the Future?

Prairie Eco-Thrifter

A borrower fills out an application for an unsecured personal loan of up to $35,000 on one of the online lending sites which verify employment and other information. Rates for loans are competitive with personal loans from traditional banks. In the past, most loans (80%) have been for debt consolidation. To be sure, there are risks for borrowers in peer loans but really no more than those risks in other types of debt. Credit is a tool in personal finance.

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Join Me for the New Year New You Financial Summit

Family Balance Sheet

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. You will learn valuable information from leading personal finance bloggers on topics ranging from budgeting basics, dumping debt, boosting your income, and investing in YOUR future. Toni Husbands of Debt Free Divas. Melanie wrote Dear Debt to chronicle her debt dumping process.

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The Prairie Eco-Thrifter Giveaway Extravaganza: 2nd Anniversary with an iPad 3 and over $200 Cash To Be Won Plus a Bonus Prize

Prairie Eco-Thrifter

While many personal finance sites focus on things such as getting out of debt, saving for retirement, and investing, what really matters to me the most is how we can live healthy prosperous lives. My philosophy is to be balanced and that is why I not only focus on personal finance on this site but also discuss the other fundamentals of our existence: being healthy, living green, working hard, and giving back. I am still in shock.

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What Is National Financial Literacy Month?

Prairie Eco-Thrifter

Forty-one percent of adults in the United States gave themselves a grade of C, D, or F on their knowledge of personal finance (according to the 2011 Consumer Financial Literacy Survey Final Report of the National Foundation for Credit Counseling). The number of personal bankruptcy filings reached 1,500,000 in 2010, the highest number since 2005, and in 2011, the percentage of total consumer filings increased from 2010 (according to the National Bankruptcy Research Center).

Subscribe Now for the FBS Weekly & You Could Win This Bundle of Books

Family Balance Sheet

Looking for new recipes, money-saving ideas, home-management tips, and strategies for debt-free living? Plus, if you subscribe now, you’ll get a chance to win these three personal finance books. I have a weakness for personal finance books, especially those written by bloggers. I also share personal highlights from my week that you won’t find on the blog. Debt Free for Life By David Bach.

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Friday Links – Time is of the Essence Edition

Prairie Eco-Thrifter

When it comes to managing your money, sometimes it has to be First Values and Goals, Then Strategies , as Emily from Evolving Personal Finance highlights. Pauline from Reach Financial Independence shares 5 ways to get out of debt , to show how you can accelerate your debt payments to become debt free earlier. Grayson from Debt RoundUp wants to know Why is Prepaid Such a Dirty Word? Happy Friday everyone. Gosh, has this week flown by.

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Prairie Eco-Thrifter Was Included in Many Carnivals Over the Past Few Weeks

Prairie Eco-Thrifter

Many thanks to Young Adult Finances who hosted the Yakezie Carnival – Mardi Gras Edition and included my post, African Safaris, Gorilla Treks and Blogcation. Canadian Finance Blog hosted the Canadian Finance Carnival #76 and included the guest post Staying Positive in a Bad Situation as did Thirty Six Months who hosted Carnival of Financial Camaraderie – Rain Man Edition.

Introducing New Staff Writers at Prairie Eco-Thrifter

Prairie Eco-Thrifter

My goal here at PET is to bring a wide range of viewpoints and strategies to the world of personal finance, living green, saving money, and being healthy. Derek blogs at Life And My Finances. He utilizes his collegiate degree in finance to help others around the world with their personal finances. He is passionate about getting people out of debt, helping them to save money, and teaching them to become wealthy.

How to Achieve Your Financial Goals (tips from the achievers)

Family Balance Sheet

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. I interviewed several personal finance bloggers that have conquered their past financial goals and continue to challenge themselves going forward. Meet The Achievers: Deacon and his wife paid off $52,000 in debt in 18 months. 5 Steps to Crush Debt + a FREE Debt Payoff Tracker.

Prairie Eco-Thrifter Was Included in Six Carnivals This Week

Prairie Eco-Thrifter

My post, How to Network at Work and Increase Your Influence was included in the Carnival of Money Pros hosted by Money Cone as well as the Financial Carnival for Young Adults #10 hosted by 20’s Finances as well as Carnival of Financial Camaraderie #31 hosted by 101 Centavos. My post, How to Choose an Ethical/Green Financial Planner , was included in the Carnival of Personal Finance #359 hosted by My Personal Finance Journey.

How to Prevent Three Common Disastrous Personal Financial Mistakes

Prairie Eco-Thrifter

A financial advisor told me recently that the thing that really made him upset was that nearly every new client he spoke to was making the same disastrous personal finance mistakes. So let’s look at the most common personal finance mistakes and what you can do to prevent or fix them. One of the most common disastrous finance mistakes is not having any sort of financial back-up for emergencies.

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5 Pieces of Advice to Tell Your Child About Money- Part 4

Prairie Eco-Thrifter

5 Pieces of Advice to Tell Your Child About Money is a series that will run every Tuesday for the next few weeks where some of the top personal finance bloggers share their thoughts on this topic. It seems that so many kids these days have no idea about personal finance and have not been taught the skills on how to manage money for the future. Living below your means is the foundation of personal finance.

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Friday Links – Win an iPad Mini Edition

Prairie Eco-Thrifter

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. If so, check out SFB’s post on How to Find the Best Mortgage at Simple Finance Blog. Mike from Personal Finance Journey wants to know if coupons are worth it. Greetings and happy Friday.

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Christmas Reward – iPad 3 Giveaway

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Us personal finance bloggers like to encourage saving instead of spending remember. See Debt Run. How better to finish off Christmas than by winning an iPad 3. I mean, who doesn’t want this handy little device?! This month, I have teamed up with a group of amazing blogging friends to give you a chance to win one, saving you having to spend a single penny.

Friday Links – Long Weekend Edition

Prairie Eco-Thrifter

We aren’t stressed per say but there have been numerous detours and extras to deal with this week at work and personally. 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?

Friday Links – Too Swamped Edition

Prairie Eco-Thrifter

If you’re currently balancing your debt payoff and savings efforts, Canadian Budget Binder highlights the reason why it’s important to get out of debt first before saving. Are you a current student or someone who’s currently paying off student loan debt? If so, don’t miss YourFinancesSimplified’s guest post about whether or not student loan debt can hurt your credit score. Hi everyone. This week has been crazy for me.

Over 40 and Worried about Money? Start here!

Family Balance Sheet

Almost 70% of Generation X have less than $1000 in personal savings account. *. But for our own safety net, we must make our finances a priority. 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. It’s hard to change and improve your finances if you have no idea where you currently stand.

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Prairie Eco-Thrifter Was Included in Six Carnivals This Week

Prairie Eco-Thrifter

Many thanks to Canadian Finance Blog for including my post, How to Make a Relationship Last at the Canadian Finance Carnival #71. Lastly, Diva in Debt included my post, How to Volunteer More in Carnival of Personal Finance. My University Money included the guest post, Insuring Your Car: Online Car Insurance versus Insurance Agent in the Carnival of Financial Camaraderie #16.

Best of Money Carnival #112

Prairie Eco-Thrifter

Number 9 : Frugal Living tells us to let the dark night guide our finances. While the plot, acting, music composition, and special effects are normally what others focus on when watching this movie, there are actually quite a few lessons in personal finance that can be learned from The Dark Knight as well. Being a personal finance geek myself, I found this piece of trivia neat to read. Hello and welcome to the 112th Best of Money Carnival.

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Yakezie Blog Swap #10

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Everything Finance shares with us his success in growing his own veggies at Retire by 40. Narrow Bridge Finance tells us how going green has saved him some green at Mom’s plans. Debt Eye tells us how to eliminate the paper trail at Little House in the Valley. Sustainable Personal Finance tells us why air sealing your home is a good ide a at Financially Consumed. Little House in the Valley shares how going car-lite can save money at Debt Eye.

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Prairie Eco-Thrifter Was Included in Six Carnivals This Week

Prairie Eco-Thrifter

Many thanks to Tackling Our Debt who hosted the Yakezie Carnival – Have Fun Edition and included Jana’s post, Green Energy Jobs: What Are Your Options? Blinkin’s post, 3 Employer Benefits You Must Take Advantage of was included in three carnivals— Best of Money Carnival #147 hosted by Yes, I am Cheap , as well as Carnival of Money Pros hosted by Money Reasons and Carnival of Financial Camaraderie hosted by Canadian Personal Finance.

The Prairie Eco-Thrifter Giveaway Extravaganza Winners

Prairie Eco-Thrifter

Here is the list of prizes as well as the winners: iPad (sponsored by Prairie Eco Thrifter and Sustainable Personal Finance ) Nicole D. $25 Pay Off Debt App (sponsored by The Debt Myth ) Lisa K. $20 50 PayPal Gift Card (sponsored by Everything Finance Blog ) Angel J. $25 Many thanks to all who entered my two year blogiversary giveaway ! There were nearly 4,000 entries.

Get your FREE Family Balance Sheet Excel Spreadsheet

Family Balance Sheet

I could talk all day about personal finance and money-saving strategies, but my husband, while very responsible with money, just doesn’t feel the same way. To keep the communication flowing, I created my very first Balance Sheet to give my husband a snapshot of our household and business finances. The spreadsheet listed our short-term and long-term account balances, our debts, and our short-term and long-term financial goals. October is a big month for me.

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Prairie Eco-Thrifter has been Featured in Three Carnivals

Prairie Eco-Thrifter

Many thanks to Debt Free by Thirty for including the post A Major Problem with the Modern Day Stock Market in this week’s Yakezie Carnival. Prairie Eco-Thrifter has been Featured in the Carnival of Personal Finance #285. Thanks to Cash Money Life for including Derek’s post Sell Your Home Faster with These Cheap Ideas in this week’s Carnival of Financial Planning. .