Family Balance Sheet

MAY 6, 2020

For many households, their finances and budgets are in limbo. Life, as we knew it came to a halt for so many of us in mid-March, and life going forward will forever be known as pre-pandemic or post-pandemic. My family’s finances have also been affected. What got us through financially? Our emergency fund.

Debt 130

Debt Emergency Fund 2007 2020 130

Prairie Eco-Thrifter

JULY 4, 2011

Hello and welcome to the 316th Carnival of Personal Finance- Family Edition. Big Cajun Man from THE Canadian Personal Finance Site asks What is Your Financial Plan B? Ken from Spruce Up Your Finances asks Need A Down Payment For Your House? Bob from Christian Finances asks Is it time to go on a cash diet?

Personal Finance 240

Personal Finance Finance Family Debt 240

Family Balance Sheet

APRIL 9, 2021

Our personal finances are so interwoven with our small business finances that we view them as one. We also didn’t feel comfortable with Dave’s suggestion of a $1000 starter emergency fund, which is his step #1. At times the plan felt intimidating, but it also changed the direction of our finances.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Prairie Eco-Thrifter

OCTOBER 21, 2012

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.

Personal Finance 219

Personal Finance Finance Debt Money 219

Family Balance Sheet

NOVEMBER 5, 2014

That inspired me to be intentional with my finances and to follow Dave’s six steps. Because we wanted to get out of debt as fast as possible, we stopped saving money after we had an emergency fund in place. For us, we have weekly staff meetings with each other. In those meetings, one of the things we discuss is finances.

Debt Free 241

Debt Free Debt Emergency Fund Finance 241

Family Balance Sheet

OCTOBER 15, 2014

Welcome to 31 Days to Organize Your Finances. 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 goal is to identify the need before something breaks down, so you are not caught off guard without the funds.

Finance 100

Finance Organic Organization Emergency Fund 100

Family Balance Sheet

OCTOBER 20, 2014

Welcome to 31 Days to Organize Your Finances. 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. We’re going to use the zero based budget as a guide for our monthly spending plan. Personal Escrow Fund.

Finance 100

Finance Organic Organization Budgeting 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

Family Balance Sheet

AUGUST 11, 2016

But for our own safety net, we must make our finances a priority. 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. ” I hear you.

Emergency Fund 100

Emergency Fund Money Finance Debt 100

Prairie Eco-Thrifter

JUNE 30, 2014

Despite our intertwined lives financially, we hadn’t combined finances up until recently. I have never liked the principle of an allowance (it seems too child/parent and not like something a couple who is working together on their finances would partake in), but it may make the most sense. Allocation of Side Job Earnings.

Financial Goals 189

Financial Goals Goals Emergency Fund Finance 189

Motherhood Moments

MARCH 4, 2023

Source : freepik.com Managing finances can be an incredibly stressful and overwhelming endeavor. Emergencies do happen, so it's essential to have a savings cushion to fall back on when unexpected expenses pop up. Automating your savings towards an emergency fund makes this process easier and less painful.

Debt 130

Debt Money Building Credit Cards 130

Penny Pinchin' Mom

DECEMBER 17, 2023

You are one emergency short of losing track of your finances. Advantages of Saving Despite Debts Building an Emergency Fund Building an emergency savings fund is the top reason to make saving a priority over paying down debt. This means you earn more than if you were to source for funds from a third party.

Pay Off Debt 52

Pay Off Debt Debt Emergency Fund Financial Goals 52

Prairie Eco-Thrifter

SEPTEMBER 28, 2014

As the time passed, I was able to figure out ways to save more money and stay on top of my finances. Combined with my extra income, this $600/year (give or take $25) really helped boost my savings and therefor my emergency fund. Extra Income Goes Into Savings.

Building 225

Building Emergency Fund Money Savings Account 225

Prairie Eco-Thrifter

AUGUST 19, 2012

It’s also little things, done every day, which can help us prevent these disasters and help us come out the other side, battered and bruised but still standing. Start an Emergency Fund One of the biggest things you can do to help avoid disasters is to create an emergency fund. I’m sure everyone.

Emergency Fund 222

Emergency Fund Insurance Debt Credit Cards 222

Family Balance Sheet

APRIL 11, 2020

Like many across the globe, my family’s finances are a bit unstable due to the Coronvius Pandemic. Pre-coronavirus, we didn’t think twice about shaking a stranger’s hand, using the ATM keypad, or going to the grocery store without donning a hazmat suit. I have written often about the importance of an emergency fund.

Budgeting 246

Budgeting Budget Family Debt 246

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

MARCH 19, 2014

Using Dave Ramsey’s 7 baby steps, we created our Debt Freedom Plan. 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. We will use Dave Ramsey’s debt snowball method. |

Debt 100

Debt Money Emergency Fund Goals 100

Prairie Eco-Thrifter

JULY 10, 2014

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. Money is automatically deposited into the retirement and emergency fund accounts, as well as to my son’s 529. must be paid.

Budgeting 218

Budgeting Budget Work Making 218

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. He discusses income beneficiaries, remainder beneficiaries and provides and example of the use of a dynasty trust.

November 188

November 2011 Personal Finance Finance 188

Prairie Eco-Thrifter

JANUARY 10, 2012

These days, if you spend any time on most personal finance blogs, one of the author’s main goals in life is spending less money on stuff and more money travelling. I want to use up all my holidays from work, as well as going on some random weekend road trips. And whatever you do, don’t finance it. Buy Assets Instead.

Travel 226

Travel Debt Finance Emergency Fund 226

Prairie Eco-Thrifter

JANUARY 30, 2013

If your emergency is strictly financial (and even if it has a physical component to it), you should be ready with a liquid emergency fund. You can augment with other emergency sources as well. However, I also keep emergency funds in a taxable investment account. Think ahead, and prepare for emergencies.

Emergency Fund 211

Emergency Fund Job Loss Transportation Staying Warm 211

Prairie Eco-Thrifter

MAY 25, 2014

I opened a retirement account during that period, but it involved a managed fund with a 2% annual fee. My rewards credit cards were feeble, and I didn’t have a plan for using them. Often, as I review my finances, I ask myself this question: “What will my future self say about this?” Money Tips'

Money 209

Money Giving Las Vegas Credit Card Rewards 209

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. You will learn exactly what settings, plugins, and themes he uses. Do you review your finances monthly?

October 200

October 2011 Finance Personal Finance 200

Savings Corner

DECEMBER 24, 2023

How to use a debt consolidation calculator to control your debt It is easy to get overwhelmed with debt, but debt consolidation offers a solution. Home equity loans or lines of credit As a homeowner, you can use the equity in your home to consolidate your debt. Getting an unsecured card ensures you won’t risk any assets.

Debt 52

Debt Calculators Credit Cards Credit 52

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. Over the years, my husband and I have pretty much narrowed down our spending priorities so that we only use our money on the things that are most important to us.

Emergency Fund 202

Emergency Fund Budgeting Budget Psychology 202

Family Balance Sheet

MAY 21, 2021

Your first assignment: Take the first step and calculate your debts by using my FREE Family Balance Sheet. 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. 2 – Create your Debt Freedom Plan.

Debt 130

Debt Goals Debt Free Pay Off Debt 130

Prairie Eco-Thrifter

DECEMBER 6, 2012

It can be tempting, once you have saved a few dollars using the methods above to want to go out and spend the money elsewhere. Medical emergencies, car emergencies, or family situations may arise where you need to dip into your emergency fund. Save Those Pennies. The first place you should stop is the bank.

Bank 265

Bank Banking Money Saving 265

Prairie Eco-Thrifter

JANUARY 22, 2012

I read a lot of finance blogs. You might say I’m a finance blog junkie. I’m half expecting all my friends and family to show up at my house and have an intervention, in an attempt to get my love of finance blogs under control. Let’s start with mutual funds. Exchange Traded Funds. Like, a lot.

Finance 187

Finance Emergency Fund Re-use Simple 187

Prairie Eco-Thrifter

JULY 28, 2014

I mastered the use of excel spreadsheets while monitoring every expense, I opened my first retirement account and bought my first shares of stock while feverishly reading through Investing for Dummies , I began checking all of my accounts, every day to ensure that any and all charges were correct and accounted for… and I loved it.

Hobby 189

Hobby Money Making Goals 189

Prairie Eco-Thrifter

MAY 27, 2012

See if you can identify with any of these statements: I spend more than I earn I don’t have a household budget I use credit cards all the time to buy everyday essentials like food, gas, transport. Also include an emergency fund and contributions to a retirement account, even if just small amounts at first. What about signs?

Emergency Fund 212

Emergency Fund Credit Cards Budgeting Budget 212

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. If you use the formula: INCOME–EXPENSES = SAVINGS , then you are bound to find yourself with a ‘financial cavity’. It is the same with your family finances.

Family 196

Family Financial Goals Debt Goals 196

Prairie Eco-Thrifter

FEBRUARY 4, 2014

When I was younger, I used to think that a higher income was the solution to most of my financial issues. So we re-jiggered our finances so that we only spend on things that we really enjoy, and that are really important to us. However, this isn’t always the case. I like travel. We both like to eat out.

San Francisco 248

San Francisco Emergency Fund Money Utah 248

Prairie Eco-Thrifter

JUNE 4, 2013

Timing Matters in Finances. I like to use my bi-weekly mortgage payments as an example of this. 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.

Emergency Fund 243

Emergency Fund Money Bills Credit Cards 243

Prairie Eco-Thrifter

OCTOBER 24, 2013

Buying a home can provide a safe, stable, and personal space that your family can use as a haven. Adding another debt obligation while you are already struggling with high-interest consumer debt, can burden your finances. An emergency fund? Perhaps you want to buy a home for a little of all those reasons.

Buy 217

Buy Buying Debt Emergency Fund 217

Family Balance Sheet

SEPTEMBER 9, 2014

I needed to count on myself and support my son, and that meant getting my financial life in order, starting with building an emergency fund for the first time. No, although we inadvertently used the debt snowball method without having heard of it. Building an emergency fund also helps enormously. Get creative.

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Saving With Shellie

JANUARY 16, 2014

Of course, it’s easy to use with your smart phone but a web-based platform is available for those of you without smart phones. Every single Thursday, a list of great offers on common brands we all use are posted to their app and website. You then can use that money to buy more great deals and keep the money flowing.

Emergency Fund 45

Emergency Fund Phones Finance Frugal Lives 45

Prairie Eco-Thrifter

MARCH 23, 2015

What innate abilities can be put to use to help you start the path to wealth? Should you spend the money on that new flat screen and sound bar, or save it for the emergency fund? Educate yourself and your family in personal finance concepts. Use every tool at your disposal to aid your persistence.

Financial Goals 100

Financial Goals Emergency Fund Money Goals 100