Motherhood Moments

JANUARY 24, 2023

In most cases, if you’re asking is a home warranty worth it , the answer is yes if you consider that the average price to fix an air conditioner or repair an HVAC system can be upwards of $5000 or more. Pay Off Debts to Be More Attractive to Lenders If you have real debt problems, then another solution is to start paying off what you owe.

Money 130

Money Home Real Estate Warranties 130

The Frugal Girl

FEBRUARY 18, 2024

The first few years after graduating, I racked up a large credit card debt and bought a new SUV that cost approximately the same as my annual salary. At the time, I thought my income would quickly increase and everything would be easy to pay off, but I spent the second half of my twenties paying off that debt. helping out 7.

Kids and Family 188

Kids and Family Home and Garden Money Frugal 188

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. <<— Once we paid off our non-mortgage debts in 2019, we started saving some of the debt snowball money for college savings. A few of our debt payoff trackers.

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. 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?

Home 52

Home Debt Credit Cards Credit 52

Prairie Eco-Thrifter

JULY 18, 2013

Take a peak and see what I read this week: Good Reads From The Blogosphere: Have you ever wondered How Secured Credit Cards Help You Repair Your Credit ? If so, don’t miss Ryan’s post about how they can be an option for repairing bad credit at The Better Credit Blog.

Debt 199

Debt Fridays Personal Finance Goals 199

Savings Corner

APRIL 4, 2024

Both act as second mortgages, using your home as collateral, and may offer tax deductions if the funds are used for substantial repairs or upgrades. But it’s a revolving debt that offers an amount of funds (a replenishable balance, similar to a credit card limit) tied to the level of equity in your home.

Home 52

Home Work Debt Credit 52

Prairie Eco-Thrifter

AUGUST 17, 2017

High school grads today have seen parents using credit cards (or maybe even their cell phones) to charge everything from gas to groceries to online purchases. But that doesn’t mean you know how to stay out of credit trouble using it! It can take up to 7 years to repair damage. You are going to be pushed to try and to use.

College 133

College Graduation Used Points 133

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

MARCH 26, 2021

If you’re able, maybe use some of your stimulous money to put towards building an emergency fund. In the same week, I woke up one morning to an icy cold shower and the discovery that our hot water heater was broken beyond repair. It was a very scary time for us. We had enough to get us through one more month.

Emergency Fund 130

Emergency Fund Building 2007 Credit Cards 130

Savings Corner

DECEMBER 27, 2023

To qualify you, lenders look at factors including your credit score, credit report and debt-to-income ratio. Lenders primarily use your financial and credit information to determine your rate, but may consider additional information like whether you own your home, your education level and your employer. What are personal loan rates?

Debt 40

Debt Home Improvement Consumer Credit 40

Savings Corner

APRIL 4, 2024

You can use your equity to renovate some rooms, pay off credit cards, cover college tuition, start your own business … or almost anything else. Before you can explore how to use this source of wealth, though, you need to know how much you have. You can find out how much your home is worth using a number of methods. Here’s how.

Calculators 52

Calculators Home Debt Fair-Trade 52

Family Balance Sheet

DECEMBER 10, 2014

Today’s Debt Free Story is from Carrie. Tell us about you and your family. How much debt did you pay off? What kind of debt was it? After my first marriage fell apart, I ended up with over $14,000 of consumer debt, made up of a car loan and credit cards. What inspired you to get debt free? Next summer?

Debt 227

Debt Debt Free Financial Goals Goals 227

Prairie Eco-Thrifter

JANUARY 18, 2019

Here are some situations that could warrant the need for quick funding: Debts Must Be Settled: For those that care about their credit score, paying off a debt means making sure that each monthly payment is made on time, and in full. By using their car title as collateral, they could obtain secure, quick funding.

Credit Cards 100

Credit Cards Credit Debt Hawaii 100

Prairie Eco-Thrifter

FEBRUARY 5, 2013

Perhaps she wants to live in an elegant older home but he won’t put up with the many repairs and remodeling tasks needed to make it actually livable. Use the resulting profile as a basis for discussion of what parts to keep in your couple money personality and which to leave behind. And then there’s money.

Money 269

Money Giveaway Goals Debt 269

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.

Debt Free 100

Debt Free Debt Budgeting Budget 100

The Frugal Girl

NOVEMBER 27, 2023

I racked up more debt to move to California, then the fancy car turned out to be a lemon, requiring a bunch of expensive repairs. I still remember that they bought a kit for me with fake checks and a fake checkbook to balance, using money in the Bank of the Parents.

California 174

California Cars Car College 174

Family Balance Sheet

APRIL 1, 2021

Our emergency fund has saved us countless times and it will save us once again with the truck. And while I don’t like parting with our money, I am grateful that this repair won’t send us into financial distress. How would you pay for an unexpected car repair? 1 – Determine how much you need.

Emergency Fund 130

Emergency Fund Money Finds Friends And Family Sale 130

Savings Corner

DECEMBER 24, 2023

Check your credit score Your credit score will help you determine your financing options; lenders use it (among other factors) to set the terms and rates of your loan. Negotiate repairs and credits Your home inspection may reveal a few issues, especially if it’s an older home. Some sellers won’t agree to extensive repairs.

Real Estate 52

Real Estate Buy Buying Credit 52

Savings Corner

DECEMBER 25, 2023

Use a leasing versus buying calculator to calculate your potential savings. What is affordable comes down to how you plan to use your vehicle, so read up on the full benefits and drawbacks of each before you commit. A used car payment should be no more than 10 percent, but that number varies by expert. How much you use your car.

Cars 52

Cars Car Insurance Calculators 52

Family Balance Sheet

OCTOBER 13, 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. The total cost for the new tires and the dryer repair was $900. We had a toddler and a baby on the way and our business was heading south–it was a scary time for us.

Emergency Fund 100

Emergency Fund Finance Organic Organization 100

Family Balance Sheet

FEBRUARY 11, 2016

In the same week, I woke up one morning to an icy cold shower and the discovery that our hot water heater was broken beyond repair. With little money in their bank accounts, these Americans couldn’t afford these unfortunate expenses without using a credit card or maybe relying on a loan from family and friends.

Emergency Fund 100

Emergency Fund Building 2007 Credit Cards 100

Prairie Eco-Thrifter

OCTOBER 13, 2013

It’s fair game if you aren’t going into debt over it and if you are still able to put money aside for emergencies, retirement, and to meet your goals. I’m sure the previous owners had the best intentions when installing the hot tub, but we hardly ever used ours, and our neighbors never used theirs, either. The Latest Gadgets .

Money 184

Money Cars Car Laptops 184

Prairie Eco-Thrifter

FEBRUARY 18, 2011

Sustainable Life Blog shares with us tips on how to repair our credit. We have more stable careers, we have no debt (other than our mortgage), and we own a home. Broke Professionals tells us why it’s beneficial to create a notebook for our financial future. Reducing Debt. How about you? Congrats!!

February 113

February Debt Finance Personal Finance 113

Saving Cents With Sense

FEBRUARY 28, 2014

With PNC reporting that the average 20-something faces $45,000 in debt, and Generation Opportunity finding a 15.9 Cars represent a significant chunk of your budget, with car payments, repairs, maintenance, insurance, and gas. You avoid a large chunk of deprecation if you purchase used. This site uses affiliate links.

Parenting 81

Parenting Economy Student Cars 81

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. Once you’ve zeroed in on your loan amount, run some numbers using a personal loan calculator. Most lenders have websites with secure portals you can use to upload requested documents.

Debt 52

Debt Credit Cards Credit Home Improvement 52

Prairie Eco-Thrifter

OCTOBER 4, 2011

We were so poor that we re-used coffee grounds to make more coffee! In today’s dollars, the cost cutting measures we took throughout our marriage allowed us to NOT spend more than a half million dollars. We used free TV for most of our married life (we do now splurge on satellite TV!). 40,720 Home Repair.

Home and Garden 198

Home and Garden Cars Car Re-use 198

The Frugal Girl

FEBRUARY 26, 2024

I don’t use it much, but I have run background checks for divorced friends who are dating again through online apps. I was always in debt, which has been a tremendous source of shame for me. I learned how to repair my own car. Apply it toward debt. It was a fascinating process. Marrying my husband.

Daughter 130

Daughter Green And Frugal Money Grandmother 130

Family Balance Sheet

FEBRUARY 16, 2016

Our emergency fund has saved us countless times and it will save us once again with the truck. And while I don’t like parting with our money, I am grateful that this repair won’t send us into financial distress. How would you pay for an unexpected car repair? Can you fix a repair yourself?

Emergency Fund 100

Emergency Fund Money Finds Friends And Family Sale 100

Savings Corner

APRIL 4, 2024

Cash-out refinance Caret Down When you do a cash-out refinance , you use your home equity to withdraw cash to spend. This increases your mortgage debt but gives you money that you can invest or use to fund a goal, like a home improvement project. What to consider: You’ll pay a few hundred dollars for the appraisal.

Refinancing 52

Refinancing Work Debt Financial Goals 52

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

The Frugal Girl

NOVEMBER 20, 2023

This spring, the gym closed down and sold off their equipment at a deep discount so now I am well stocked for any kettlebell weight I want to use. We never would have been able to afford it in normal times, but we had spent many years making frugal choices that put us in a position where we could take advantage of the opportunity.

Iowa 170

Iowa Friends And Family Sale Boys Son 170

The Frugal Girl

JANUARY 29, 2024

We use the eggs, harvest meat & if I can’t get out to hunt venison we’ve had friends give us meat. I seriously overextended on planting and underestimated how much work my dad used to do so hopefully I’ve learned from my mistakes & will not kill myself in the garden this year!

Arkansas 184

Arkansas Frugal College Kids and Family 184

For the Mommas

MAY 22, 2012

The term “sinking fund” was originally a business term used to designate a savings account where a corporation holds funds for the repayment of a debt in order to improve their liquidity. Setting up sinking funds and using them are two separate things, though. can be downright overwhelming. Bank Your Savings.

Craigslist 78

Craigslist West Virginia Bank Banking 78

The Frugal Girl

NOVEMBER 13, 2023

My interest in frugality is less about saving money specifically, and more about making good use of the resources I have. Making good use of the resources I have – not only money, but my health, physical abilities, skills, etc. I love winter – trees on my favorite trail 4. By age 2, she was walking 4-6 miles per day.

Kids and Family 194

Kids and Family Parenting Cars Car 194

The Frugal Girl

NOVEMBER 6, 2023

Home repairs, construction, electrical, auto repair, technology – he’ll try anything after suitable research of YouTube and other resources. I should have known he was special as he asked for a set of “Time-Life” home repair books when he was in college. Child did not like it, so we don’t use it.

Kids and Family 192

Kids and Family Money Home and Garden Frugal 192

Prairie Eco-Thrifter

OCTOBER 11, 2012

It can be so easy to run up thousands of dollars in debt just by using that credit card. Debt and an uncontrollable spending habit is probably the most common issue that causes fights between couples. Most people will not see eye to eye when it comes to how much credit card debt is acceptable.

Debt 222

Debt Credit Cards Money Credit 222

The Frugal Girl

MARCH 4, 2024

Box are some of my favorite authors) and I use the library to borrow both regular books and electronic resources. Even though Alan was an IT professional by trade, his logical mind also understands what makes all kinds of mechanical things work, and he can repair just about everything I break. Yup, I’m a voracious reader.

Green And Frugal 182

Green And Frugal Kids and Family Hotel Frugal 182