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. Source: Bankrate national survey of lenders As for 2024: The potential for Federal Reserve interest rate cuts could be good news for home equity loans.

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Home Debt Credit Cards Credit 52

Family Balance Sheet

MARCH 26, 2021

Life suddenly changed for most of us in March 2020 and this past year of the pandemic has reinforced how important an emergency fund is. If you’re able, maybe use some of your stimulous money to put towards building an emergency fund. It was a very scary time for us. We had enough to get us through one more month.

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Emergency Fund Building 2007 Credit Cards 130

Prairie Eco-Thrifter

JULY 29, 2014

These people may accrue thousands of dollars of debt on a credit card their spouse doesn’t even know about. Note that even though I’m using “she” here, men can be just as guilty of financial infidelity as women.). That’s because my husband used to make the Amazon purchases for school books.

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Spendthrift Debt Marshalls Credit Cards 170

Prairie Eco-Thrifter

MAY 1, 2013

Rules of thumb are often used to make various financial decisions. 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. Your circumstances might change.

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Life Insurance Insurance Debt Property Taxes 213

Savings Corner

DECEMBER 27, 2023

Use grad PLUS loans if you’ve maxed out your federal direct unsubsidized loans and still want to use federal loans to pay for graduate school. Stride Funding Income Share Agreement An income share agreement, or ISA, is not a student loan, but graduate students may be able to use one to finance their education.

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Student Graduation January College 52

Savings Corner

DECEMBER 25, 2023

Veterans United, a lender that specializes in VA loans, surveyed borrowers between August and September 2023 who intended to purchase a home within the next three years. APR is a tool used to compare loan offers, even if they have different interest rates, fees and discount points. It’s that easy.

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Insurance Debt Credit 2003 52

Prairie Eco-Thrifter

APRIL 17, 2015

According to the article, 54% picked “having the ability to keep up with expenses and hold a steady job while not falling behind or taking on too much debt” There’s that ‘work ethic’ – one of our ‘middle-class’ values. Do the Rich Use Debt Differently? Take a look.

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Polls New York City Wichita Debt 100

Prairie Eco-Thrifter

JANUARY 10, 2017

History has shown us, though, that good times, easy money and easy credit can quickly change us into spenders. The Bureau of Labor Statistics does a survey multiple times a year, called the Consumer Expenditure Survey. We all are typically affected by the conditions around us, including economic conditions.

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Spendthrift Economical Consumer Recession 100

Prairie Eco-Thrifter

JULY 4, 2011

Philip from Deliver Away Debt shares his story: How I Delivered Away My Debt. mbhunter from Mighty Bargain Hunter asks Are you contributing to this debt clock? and says, “The big debt clock is over $14 trillion now, but this other one is approaching $1 trillion, and may affect you more directly.&#. How about you?

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Personal Finance Finance Family Debt 240

Prairie Eco-Thrifter

FEBRUARY 19, 2013

I found some figures on expenditure percentages from a survey conducted by the Department of Labor , which gave me an idea of what the average person spent in different categories. Using these percentages as a guideline helped me to finally draw up a personal budget that balanced. So, how do you do with your budget? Is it balancing?

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Budget Budgeting Credit Cards Transportation 222

Prairie Eco-Thrifter

OCTOBER 17, 2012

I used to think this, so I’m guessing there’s lots of people out there who think the same. I managed to rack up over $20,000 of credit card and personal debt by the time I was 23 and this affected my ability to keeo my first house. There are several reasons, according to a recent survey. Who needs a budget?’ Well, actually, no!

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Budget Budgeting Debt Money 214

Couponing 101

DECEMBER 26, 2011

Shopping a little bit at a time over the course of the year can be easier for some people than paying one lump sum at the end of the year (and potentially using credit cards and going into debt.) You can earn points just by reading emails, taking surveys, or by doing your online shopping through their links. Start shopping now.

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Christmas Toys Gifts Bath and Body Works 80

Prairie Eco-Thrifter

MAY 26, 2016

Although we think of the Great Recession starting in early 2009, it wasn’t until 2013 that the 5 year CD interest rate fell below 1% – and has stayed there ever since according to Bank Rates interest survey data. The FDIC shows the US national average payout for savings accounts less than $100,000 is.06%.

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Money Saving Money Lowes Grandchildren 124

Prairie Eco-Thrifter

JUNE 14, 2012

” CCS presents Savvy Credit Card Use: Track Your Spending posted at Credit Card Smarts , saying, “A big key to using your credit card wisely is tracking your credit card spending. Thanks to NCR, using your smartphone to make withdrawals at an ATM is on the horizon. Se how you can do this any why you need to.

Money 124

Money 2012 June Credit Cards 124

Prairie Eco-Thrifter

OCTOBER 5, 2011

If you can do without a cell phone, or if you use a cleaner/gardener or any other service that you can now do yourself as you have time, cut it. If you have items you don’t use or need, sell them. 7.) Pay only the minimum on debts. I sell books online, do freelance writing, online surveys, sell things on eBay etc.

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Unemployment Debt Job Loss Money 200

Savings Corner

DECEMBER 27, 2023

MORE ABOUT THE CARDS FEATURED ON THIS PAGE Use the buttons at the top of the page to see cards in different categories. It’s a versatile card, but use it just for gas and you’ll earn an impressive 5% back per billing cycle, up to $500 spent — for no annual fee. A basic credit card transaction works like this: You use your card.

Credit Cards 52

Credit Cards Credit December Airline 52

Family Balance Sheet

FEBRUARY 11, 2016

According to a recent survey , over half of Americans have less than $1000 in their savings and checking accounts. 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. What is an Emergency Fund?

Emergency Fund 100

Emergency Fund Building 2007 Credit Cards 100

Couponing 101

JANUARY 4, 2011

Shopping a little bit at a time over the course of the year can be easier for some people than paying one lump sum at the end of the year (and potentially using credit cards and going into debt.) You can earn points just by reading emails, taking surveys, or by doing your online shopping through their links. Start shopping now.

Saving Money 74

Saving Money Christmas Money Bath and Body Works 74

Prairie Eco-Thrifter

OCTOBER 15, 2011

You will learn exactly what settings, plugins, and themes he uses. Good Financial Cents: What to Watch For With Debt Settlement Companies Considering using a debt settlement company? Here’s some tips to be wary of when trying to consolidate your debt. Personal Finance Whiz : What Is An Emergency Fund?

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October 2011 Finance Personal Finance 200

For the Mommas

JANUARY 23, 2013

Nearly 46% of consumers say they typically consider making a financial resolution – up 31% since the first year of the survey in 2009. Saving more (52%), spending less (19%) and paying off debt (19%). that gym you no longer use.) Paying Off Debt. The top 3 financial resolutions? Bring your lunch to work more frequently.

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Monitors Credit Debt Consumer 40

Prairie Eco-Thrifter

JANUARY 14, 2012

This is not something I want to see, so today I have a few videos for you that will dispell credit card myths, teach you how to use them properly, how to keep them safe, and how to make sure you should be getting credit in the first place. Take a moment to watch them. You might just learn something. However, times have changed.

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Credit Cards Credit Finance Personal Finance 220

Prairie Eco-Thrifter

MARCH 14, 2011

And one of the best ways to do it is to use a 529 plan.&#. Kristia presents Save Money On Groceries Without Using Coupons | Kitchen Economics Link Up posted at Family Balance Sheet , saying, “You don’t have to be an extreme couponer to save money on groceries.&#. FIRE Getters presents Top 5 Ways To Trim Our Grocery Bills!

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Frugal Movies Finance Bills 150

Saving With Shellie

JULY 15, 2011

You’ll earn money for reading e-mail, taking surveys, shopping online, testing products and other opportunites. I personally have used InboxDollars and had success with it. I read emails and did a surveys for several months. When I used Inbox Dollars, I would logon to my special email account twice a week.

Gift Cards 40

Gift Cards Giveaway Gifts Fridays 40

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.

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Home and Garden Cars Car Re-use 198

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. How do you actually fund these accounts? Bank Your Savings.

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Craigslist West Virginia Bank Banking 78

Savings Corner

APRIL 4, 2024

We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. The averages below are most useful for comparison purposes. Compare Allstate with other insurers While Allstate has several useful offerings, the company may not be the right fit for each person.

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Insurance Life Insurance Homeowner Insurance Cars 52