Family Balance Sheet

MARCH 19, 2014

Becoming debt free became appealing and the idea of being able give more, save more and live more took my breath away. Using Dave Ramsey’s 7 baby steps, we created our Debt Freedom Plan. Unfortunately they’re not cheap. Our goal is to have everything funded by the summer. But we needed a plan.

Debt 100

Debt Money Emergency Fund Goals 100

Family Balance Sheet

APRIL 30, 2014

April Wins : By using the same strategies from March , I was able to stay within our grocery budget of $450. We’re heading into grilling season and I always find this to be an easier time of year for me to plan a menu. If you’re stumped on how to use a particular ingredient, search for ideas on FBS or other recipe sites.

Budgeting 100

Budgeting Budget Grocery Groceries 100

Saving Cents With Sense

MAY 26, 2014

Income should include all funds from paychecks, government assistance, annuity payments and so forth. Build a Budget & Emergency Fund. You can download any of the free budgeting apps available, including MoneyWise, Mint or Expensify. Cut out unnecessary spending and use that money to build an emergency fund.

Emergency Fund 71

Emergency Fund Goals 2008 Debt 71

Family Balance Sheet

JUNE 30, 2015

When you’re in the trenches, it can be very hard to think beyond the present. At the time, I wasn’t sure how we were going to pay our monthly bills, so future plans like funding our retirement , our daughters’ college education, or a lavish vacation were not on my mind. Contribute to our retirement funds.

Financial Goals 100

Financial Goals Debt Goals Emergency Fund 100

Prairie Eco-Thrifter

OCTOBER 26, 2014

There’s no point in using more money than you need to. You could also make coupons for your services such as “one free night of babysitting” for a couple with young children. If you’re hard pressed to find extra work, you could always donate some plasma for a month to make extra money that way.

Holiday 169

Holiday Emergency Fund Homemade Eating Out 169

Prairie Eco-Thrifter

NOVEMBER 30, 2014

The proverbial saying ‘money doesn’t grow on trees’ is used by many a parent in denying some wished for item to their children. Earning a sub-poverty-level income for decades as a Catholic priest, he focused on his investments in his free time, and was worth nearly $1 million when he died. Genesio Morlacci.

Virginia 160

Virginia Money Real Estate Growing 160

Family Balance Sheet

FEBRUARY 2, 2017

Their 2017 goal is to pay off the remaining balance on their mortgage ($27,900) and be DEBT FREE! Jackie and her husband paid off $147,000 of debt in 10 years and are debt free. They’re still working on developing their goals for 2017. She and her husband also used a visual motivation chart posted on their refrigerator.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Family Balance Sheet

JANUARY 20, 2017

I love her passion for helping others along their debt free journey. Be sure to check out her website where she is offering a free finance workbook if you subscribe to her newsletter. Krystal & Josh’s Debt Free Story. Tell us about you and your family. It took us four years, but we paid off over $80,000 of debt!

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

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? Personal Finance Whiz : What Is An Emergency Fund? One of the major components of being financially fit is to have an emergency fund.

October 200

October 2011 Finance Personal Finance 200

Family Balance Sheet

SEPTEMBER 29, 2016

I watched her and her husband’s debt free scream on The Dave Ramsey Show. Angela & Jeff’s Debt Free Story. Tell us about you and your family. We’re typical Canadians that spend most of our free time in the fall and winter months inside arenas. What inspired you to become debt free?

Debt 100

Debt Debt Free Budgeting Budget 100

Prairie Eco-Thrifter

MAY 26, 2016

But, with each of the above, you lose the use of that money and often have little chance of even getting it back, let alone making it grow. We could take on debt to grow using other people’s money. Using a student loan to get educated or re-educated in a new (presumably higher paying) field could also be a sure thing.

Money 124

Money Saving Money Lowes Grandchildren 124

Family Balance Sheet

JANUARY 17, 2018

We blew through our health savings account, and now need to save another $10k so we’re not caught off guard if another emergency were to happen. This will take us most of the year. I don’t want to use the term extreme frugality, because that sounds absolutely horrible. Save a starter Home Emergency Fund.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

The Frugal Girl

JANUARY 29, 2024

We’re meeting an Arkansas reader today and initially, I thought she was the first one! Tell us a little about yourself Greetings from the NW corner of Arkansas, where I was born (around 40+ years ago) and raised. We use the eggs, harvest meat & if I can’t get out to hunt venison we’ve had friends give us meat.

Arkansas 182

Arkansas Frugal College Kids and Family 182

Family Balance Sheet

JUNE 22, 2020

This side hustle income was mainly used for the fun stuff, such as camping, home renovations & repairs, and needs for our kids. As part of his baby steps, he does not advocate contributing to retirement until after you’ve paid off non-mortgage debts and saved 3-6 months of expenses in an emergency fund.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Family Balance Sheet

JUNE 8, 2018

We have been using this system ever since. I highly suggest using a separate paper calendar from your normal planner to eliminate any confusion. Also color coding will be helpful as this is a visual exercise, and you will be using all of this info in the upcoming steps. How to Start a Budget (and be successful at it!).

Budgeting 133

Budgeting Budget Financial Goals Goals 133

Prairie Eco-Thrifter

JANUARY 10, 2012

I want to use up all my holidays from work, as well as going on some random weekend road trips. Okay, congratulations on that, but have you fully funded your emergency fund? Or, you could save up and use your extra cash on the down payment on a rental property. Fund your retirement accounts.

Travel 226

Travel Debt Finance Emergency Fund 226

Family Balance Sheet

AUGUST 11, 2014

Welcome to Debt Free Stories. Tell us about you and your family. My daughter and I are gluten free due to celiac and changing to a healthy grain free sugar free way of cooking has become a big passion of mine over the last couple of years. What inspired you to get debt free? Where are you from?

Debt Free 235

Debt Free Debt Mom Goals 235