Family Balance Sheet

AUGUST 11, 2016

But for our own safety net, we must make our finances a priority. It’s hard to change and improve your finances if you have no idea where you currently stand. Use my Family Balance Sheet excel spreadsheet to help you organize your finances. Start Saving for your Emergency Fund TODAY! ” I hear you.

Emergency Fund 100

Emergency Fund Money Finance Debt 100

Prairie Eco-Thrifter

JANUARY 1, 2013

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. Lack of An Emergency Fund .

Emergency Fund 272

Emergency Fund Credit Cards Personal Finance Finance 272

Prairie Eco-Thrifter

JULY 16, 2014

To buy a home under the assumption that you’ll some day make a profit from it or rely on one source of income assuming it’ll always be available to you is financially foolish. Assumption #4: You’ll never have an emergency. Emergencies happen…to everyone. They can come in the form of a health scare a home repair or otherwise.

Emergency Fund 174

Emergency Fund Insurance Recession Unemployment 174

Family Balance Sheet

APRIL 11, 2020

Like many across the globe, my family’s finances are a bit unstable due to the Coronvius Pandemic. The PA governor has shut down all non-essential businesses indefinitely and we’ve now been ordered to stay at home unless traveling to essential jobs, needed supplies, or outdoor exercise as long as we practice social distancing.

Budget 246

Budget Budgeting Family Debt 246

Prairie Eco-Thrifter

JANUARY 10, 2013

The house stuff, time with the hubby, other home commitments etc. Working to build your emergency fund? Read up on emergency fund basics at Money Smart Guides. These days, if you spend any time on most personal finance blogs, one of the author's main goals in life. Hope you have a great weekend. As December.

Emergency Fund 193

Emergency Fund Debt Student Fridays 193

Prairie Eco-Thrifter

AUGUST 10, 2014

“Consumers should have auto, home, and renters insurance if they own any of those items,” says Liran Hirschkorn, founder of BestLifeQuote.com. If your home burns down and you don’t have coverage, you’re left with nothing.” Insurance helps you manage your finances. ” The same is true of a car.

Insurance 193

Insurance Life Insurance Health Insurance United States 193

Prairie Eco-Thrifter

AUGUST 19, 2012

Start an Emergency Fund One of the biggest things you can do to help avoid disasters is to create an emergency fund. This is a reserve of money for emergencies; leave it alone and don’t go dipping into it for general spending. A diversified mutual fund is an excellent way to achieve a diversified portfolio.

Emergency Fund 222

Emergency Fund Insurance Debt Credit Cards 222

Savings Corner

DECEMBER 25, 2023

Experts typically recommend spending no more than 20 percent of take-home pay on a car. Edmunds recommends that a new car payment be no more than 15 percent of your monthly take-home pay. When insurance, fuel and other regular monthly expenses are included, the cost should not exceed 20 percent of your monthly take-home pay.

Cars 52

Cars Car Insurance Calculators 52

Family Balance Sheet

MARCH 19, 2014

Our personal finances are so interwoven with our small business finances that they must be seen as one. I’m sharing our plan with you because the direction of our finances has changed. Increase our emergency funds for the home & office to 3 – 6 months worth of expenses. Our Debt Freedom Plan.

Debt 100

Debt Money Emergency Fund Goals 100

Prairie Eco-Thrifter

MAY 30, 2012

The same can be said about finances – it is often the little things you do, the small actions you take, that have the biggest impact on your financial security, both in the present and in the future. A budget helps you track your finances so you know exactly where you are and whether you’re on track.

Money 235

Money Emergency Fund Debt Financial Goals 235

Prairie Eco-Thrifter

NOVEMBER 12, 2011

Now without further adieu, I present you with the dozens of great reads written by Yakezie members and challengers alike this past week in our efforts to bring you timely insight on personal finance and lifestyle today. Personal Finance Whiz: Keynesian vs Hayekian Economics – The Solution To Our Recession? I’m a geek, he’s not.

November 188

November 2011 Personal Finance Finance 188

Prairie Eco-Thrifter

OCTOBER 24, 2013

In Canada, there is a little more caution with regard to buying a home, since there are fears — especially in certain markets — that a bubble is involved. No matter where you live, buying a home is a big commitment, so you shouldn’t enter into the transaction lightly. Some think that a home makes a good investment.

Buy 217

Buy Buying Debt Emergency Fund 217

Savings Corner

DECEMBER 24, 2023

Home equity loans or lines of credit As a homeowner, you can use the equity in your home to consolidate your debt. Because home equity loans and lines of credit ( HELOCs ) have lower interest rates, they may cost less than a personal loan or balance transfer credit card. But it may not be the best choice.

Debt 52

Debt Calculators Credit Cards Credit 52

Prairie Eco-Thrifter

JANUARY 30, 2013

Your physical emergency preparedness can also help during times of financial hardship. For example, if my family were to experience a sudden drop in income, we have enough home food storage to help us along for a few months. You can augment with other emergency sources as well.

Emergency Fund 211

Emergency Fund Job Loss Transportation Staying Warm 211

Prairie Eco-Thrifter

JULY 10, 2014

I know that I need to buy certain things for my home, for upkeep. In fact, if you identify your values, and use them to direct your finances, you are more likely to stick with a spending plan and feel better about your financial situation at the same time. These are the things most important to me. Covering the Important Things First.

Budget 218

Budget Budgeting Work Making 218

Prairie Eco-Thrifter

MAY 25, 2014

I’m trying to be a little more hands-on with my son, and talk more openly about money (which is something that didn’t happen much in my parents’ home. I opened a retirement account during that period, but it involved a managed fund with a 2% annual fee. I didn’t refinance my home when I should have.

Money 209

Money Giving Las Vegas Credit Card Rewards 209

Prairie Eco-Thrifter

NOVEMBER 8, 2012

My retirement account contribution, emergency fund contribution, car payments, utility bills, and mortgage are all set up so that they are paid automatically each month. We want an emergency fund. We have a fairly modest home. ” Having a big home isn’t a priority, though.

Emergency Fund 202

Emergency Fund Budget Budgeting Psychology 202

Family Balance Sheet

MAY 21, 2021

After reading Dave Ramsey’s book, The Total Money Makeover , I realized that we were spreading ourselves too thin and our finances were not as great as I thought they were. Also, we needed to make some much-needed repairs to our home and office that really couldn’t wait until we paid off six figures.

Debt 130

Debt Goals Debt Free Pay Off Debt 130

Prairie Eco-Thrifter

DECEMBER 6, 2012

Brew your coffee at home, it is cheaper. Medical emergencies, car emergencies, or family situations may arise where you need to dip into your emergency fund. Take personal finances, for example; too many people over-think their finances, with. It’s not a necessity. Nope, not a necessity either.

Bank 265

Bank Banking Money Saving 265

Prairie Eco-Thrifter

OCTOBER 15, 2011

Now without further adieu, I present you with the dozens of great reads written by Yakezie members and challengers alike this past week in our efforts to bring you timely insight on personal finance and lifestyle today. Better to refinance and sink those funds into the treasury market! Do you review your finances monthly?

October 200

October 2011 Finance Personal Finance 200

Savings Corner

DECEMBER 25, 2023

Coming up with enough cash for a down payment to buy a house can be the single biggest roadblock for prospective home buyers. A down payment is the cash you pay upfront to make a large purchase, such as a home. A 10% down payment on a $350,000 home would be $35,000. But how much of a down payment do you really need?

Insurance 52

Insurance Home Refinancing Money 52

Family Balance Sheet

JULY 20, 2011

This September we will be celebrating 10 years in our home. The home came with central air conditioning and when we had it serviced last summer, the technician estimated that the unit was probably 15 - 20 years old. I don't want to drain the emergency fund, which could easily happen when the AC needs replaced.

Appliances 138

Appliances Washer and Dryer Emergency Fund Warranties 138

Prairie Eco-Thrifter

JULY 28, 2014

Tackle the enormity of saving up for a down payment on a home or for retirement or anything else by deciding how much you can afford to set aside on a monthly or weekly basis. Once you’ve figured out how much you need total, find a way to break it down and include a monthly savings target in the budget.

Hobby 189

Hobby Money Making Goals 189

Family Balance Sheet

JUNE 22, 2020

Our business was doing very well, and we were excited about the opportunity to own a property outside of our home. With that much debt, we needed some go big or go home heavy hitters that would make a big impact on debt reduction. Financially speaking, he focuses on building the business and I focus on managing our home and finances.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Prairie Eco-Thrifter

SEPTEMBER 4, 2011

Are you having a hard time controlling your finances? Many parents are finding it hard to control their finances and stretch their wallet these days more than ever. It is the same with your family finances. Plan for Financial Emergencies. Do you keep your family in a survival mode? You are not alone!

Family 196

Family Financial Goals Debt Goals 196

Prairie Eco-Thrifter

JANUARY 21, 2011

Yesterday on my walk home from work I was flying high. Usually when I walk home, I listen to a book. Personal Finance by the Book shares with us the nuts and bolts of budgeting and how we can be best equipped to manage our money better. Bucksome Boomer tells us how we can revolutionize our finances when it comes to insurance.

January 124

January Emergency Fund Personal Finance Finance 124

Prairie Eco-Thrifter

JUNE 4, 2013

Timing Matters in Finances. The reason for having these measures is to prevent me from having to constantly fiddle with some of my automatic transfers to my emergency fund, retirement account, and quarterly estimated tax fund. And that can make a difference. Is Automatic Bill Pay Right for You? Money Tips'

Emergency Fund 243

Emergency Fund Money Bills Credit Cards 243

Family Balance Sheet

JANUARY 21, 2015

She writes about family, finances and faith at her blog, Principles of Increase. I own a software consultancy that I run from home and my husband is a letter carrier with the post office. We have 2 girls that I am home schooling this year. Nine years later, I am still at home! Today’s debt free story is from Aja.

Debt 100

Debt Debt Free Las Vegas Finance 100

Family Balance Sheet

AUGUST 11, 2014

I followed Dave Ramsey’s baby steps and did the Financial Peace University class twice, once at home last spring and I enrolled again at church this past spring to stay focused. Who handles the day-to-day finances in your home or do you work on it equally? Since it’s a lifetime membership. Round 2 was already paid.

Debt Free 235

Debt Free Debt Mom Goals 235

Family Balance Sheet

SEPTEMBER 9, 2014

She and her husband paid off $147,000 in debt–including their home. About $52,000 of that $147K was consumer debt (credit cards, a student loan, a car loan, a home improvement loan, etc.) Building an emergency fund also helps enormously. Who handles the day-to-day finances in your home or do you work on it equally?

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Family Balance Sheet

FEBRUARY 4, 2015

He now works as an architect, and I do some freelance from home now that we have kids. We bought into the myth that student loan debt is “good debt” and that it was better to “invest” in buying a home instead. After we had kids, though, I stayed home, so we continued making the minimum payment for years.

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Family Balance Sheet

JUNE 8, 2018

A budget might not change your circumstances, especially if the problem is income, but a budget will help prioritize the funds that are available. A budget could help you avoid late and insufficient funds fees, find money for an upcoming trip or expense, and ease a disagreement over finances in a marriage.

Budgeting 133

Budgeting Budget Financial Goals Goals 133

Family Balance Sheet

JANUARY 20, 2017

She is the co-founder of the website, Little Light on a Hill , where she writes about faith, family, and finances. Be sure to check out her website where she is offering a free finance workbook if you subscribe to her newsletter. our home with a GREAT interest rate so we are okay with it. finances/budget/spending?

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Penny Pinchin' Mom

MARCH 11, 2024

Whether you are looking to save extra money for your emergency fund and potential unexpected expense, a new kitchen, or your kids’ college tuition—you name it—you will require self-discipline and a plan to reach any financial goal. I make my coffee at home, pack my lunch, and go straight home after work.

Saving Money 52

Saving Money Money Saving Credit Cards 52

Family Balance Sheet

JANUARY 26, 2016

That was the month I didn’t know if we had enough funds to cover our expenses. Thankfully, we have worked through those trials and the experience actually made a positive impact on our finances. Home Projects. We have some home projects that we need to do and we have already set aside the funds. Restaurants.

Financial Goals 100

Financial Goals Goals 2016 Debt 100

Family Balance Sheet

FEBRUARY 3, 2016

She helps readers gain control of their finances and live well on a budget at her blog Cook with a Shoe . I found Dave Ramsey’s plan about a year after we had been married and finances were really tight, especially with a variable income. Who handles the day-to-day finances in your home or do you work on it equally?

Debt 100

Debt Debt Free College Finds 100

Family Balance Sheet

MAY 27, 2015

I’m a former 3rd grade teacher, but now a stay at home mom and a graphic designer of Joyful Art Designs. Our plans for me to be a stay at home mom on one teacher salary. It’s important to be on the same page as your spouse about finances. Who handles the day-to-day finances in your home or do you work on it equally?

Debt 100

Debt Debt Free Pay Off Debt Finds 100