Penny Pinchin' Mom

DECEMBER 17, 2023

Advantages of Paying Off Debt From a purely financial point of view, it makes more sense to focus on debt payoff rather than directing available cash to a savings account. From a personal point of view, I much prefer living debt free. When the debts are too expensive, they might prevent you from making any headway with the savings.

Pay Off Debt 52

Pay Off Debt Debt Emergency Fund Financial Goals 52

Saving Everyday

FEBRUARY 15, 2014

The more of your hard earned money you can keep in your wallet, the more you have for things you need and want. Saving $100 is the same as making $100! I’m always looking for a new way to save money, so I love reading other people’s tips on how they save extra cash. by Koupon Krazed. Which is Better?

Saving Money 71

Saving Money Frugal Money Thrifty 71

Prairie Eco-Thrifter

JANUARY 19, 2015

Yet, too often we make excuses not to save money, or we feel like our budget is just too tight to save. There are tricks you can use to save more money even IF your budget is very tight. Consider these strategies: Save all of your change. Pay in cash whenever you can and save all of your change.

Money 100

Money 2015 Emergency Fund Bills 100

Family Balance Sheet

OCTOBER 18, 2019

We still have a mortgage, so we’re technically not DEBT-FREE, but we paid off over 6 figures of business debts and student loans since 2012 and have wiped out our NON-mortgage debt. 1 – Save a starter Home Emergency Fund. Additional related reading: Debt Free Stories. We’re way behind on this.

Debt 100

Debt 2019 Financial Goals Emergency Fund 100

Saving Everyday

JANUARY 1, 2015

Energy Saving Tips for Summer by The Frugal Mom. Grocery Savings Tips by Mission To Save. 10 Tips To Saving Money at the Grocery Store by Koupon Krazed. Realistic Stockpiling Tips by Mission To Save. 15 Ways to Save Money Every Day by Frugal Living Mom. by Koupon Krazed. Name Brand or Generic?

Saving Money 40

Saving Money Frugal Money Thrifty 40

Family Balance Sheet

SEPTEMBER 9, 2014

Welcome to Debt Free Stories. Quitting my job is one of the things being debt free has enabled us to do. If you want to become debt free, I’m here to tell you it is TOTALLY worth all the time, effort, and frustration. When we first started we couldn’t have even conceived of becoming completely debt free.

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Prairie Eco-Thrifter

OCTOBER 21, 2012

Editors Picks: Big Cajun Man from THE Canadian Personal Finance Site shares 10 Phrases I have Used to Save Money. Really, we should all carry a cue card in a our wallet that we can just whip out and use anytime we have an opportunity to save money. Jack from Money Saving Ethics tells us Easy Tips for Saving Money Part 2.

Personal Finance 219

Personal Finance Finance Debt Money 219

Family Balance Sheet

JULY 20, 2011

I don't want to drain the emergency fund, which could easily happen when the AC needs replaced. Just one more thing to save money for, but this will help you (and me) avoid going into debt when our appliances need replaced. We certainly don't want to go into debt either. My main concern is that AC unit.

Appliances 138

Appliances Washer and Dryer Emergency Fund Warranties 138

Saving With Shellie

JULY 12, 2011

I get asked frequently why I write about saving money. I believe that saving money is important. It’s an idea that stretches far beyond a monthly budget or vacation fund. Saving money and living within or below your means is lifestyle change that impacts your whole life. Start an emergency fund?

Emergency Fund 67

Emergency Fund Goals Saving Saving Money 67

Saving Cents With Sense

JANUARY 1, 2014

Having money automatically go into your account will help you stick to your resolution and save for your future, such as an emergency fund, a child’s college education, or retirement. Enjoy FREE family friendly events. Bank of America card holders can enjoy FREE museum membership once a month.

2014 88

2014 Saving Bills Emergency Fund 88

Prairie Eco-Thrifter

NOVEMBER 12, 2011

Money Q & A: Top Ten Money Questions People Always Ask – Find out the most popular questions that people are always asking me. Saving Money Today: A Tree Smashed Through My Roof and I’m Lucky – I can’t believe how lucky I feel that a tree fell through my roof and did $9,000 in damage. Some freedom.

November 188

November 2011 Personal Finance Finance 188

Saving Cents With Sense

JANUARY 3, 2017

Having money automatically go into your account will help you stick to your resolution and save for your future, such as an emergency fund, a child’s college education, or retirement. Enjoy FREE family friendly events. Bank of America card holders can enjoy FREE museum membership once a month.

New Year's 40

New Year's Saving Bills Emergency Fund 40

Prairie Eco-Thrifter

OCTOBER 15, 2011

Personal Finance Whiz : What Is An Emergency Fund? One of the major components of being financially fit is to have an emergency fund. Here are the ins and outs of the whole process – why you need one, how much you should have, how to save for it, where to keep it and what do to (and what not to do) with it.

October 200

October 2011 Finance Personal Finance 200

Family Balance Sheet

FEBRUARY 4, 2015

Today’s Debt Free Story is from Shannon. Living on two-incomes, we could have easily paid off our debt quickly, but we had no idea at the time that “debt free” was even a thing. Read more about Shannon’s debt free journey. What inspired you to get debt free? She writes at Growing Slower.

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Saving Cents With Sense

JANUARY 1, 2015

Having money automatically go into your account will help you stick to your resolution and save for your future, such as an emergency fund, a child’s college education, or retirement. Enjoy FREE family friendly events. Bank of America card holders can enjoy FREE museum membership once a month.

New Year's 40

New Year's Saving Bills Emergency Fund 40

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. free except for our mortgage. What inspired you to become debt free? Where are you from?

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Family Balance Sheet

JANUARY 21, 2015

Today’s debt free story is from Aja. What inspired you to get debt free? What are your top 3 – 5 tips for saving money/pinching pennies to put towards paying off your debt. For the last two years, I told anyone who would listen about us trying to make our goal of being totally debt free.

Debt 100

Debt Debt Free Las Vegas Finance 100

Saving With Shellie

JULY 22, 2011

I’ve also taken other measures to save money like turning up the thermostat and limiting my driving to essential trips. We’ll see how much I’m able to save on electricity and gas by taking these steps. I encouraged you to build an emergency fund or pay down debt with your savings.

Goals 49

Goals Emergency Fund Financial Goals Debt 49

Family Balance Sheet

JANUARY 1, 2015

When I run the numbers, I realize it’s going to take years before we can scream, ”WE’RE DEBT FREE”, our ultimate goal. I’ll continue to offer additional money saving tips, ideas, strategies and recipes like I always have, but I have some new themes that I will be starting next week.

2015 100

2015 Money Debt Home and Garden 100

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. 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? Meet Angela. Tell us about you and your family.

Debt 100

Debt Debt Free Budgeting Budget 100

Family Balance Sheet

JANUARY 17, 2018

I’ll do my best to follow my own advice, 10 Ways to Save When Eating Out , and we will bring snacks, bag lunches, and drinks on road and errand trips to save money. Save a starter Home Emergency Fund. Increase our emergency funds for the home & office to 3 – 6 months worth of expenses.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

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. You’ll save money in interest and reduce your liability if times get tough.

Emergency Fund 222

Emergency Fund Insurance Debt Credit Cards 222

The Frugal Girl

JANUARY 29, 2024

How did you get interested in saving money? Multi-pronged answer here: historically it was hard-wired in my DNA as a necessity but also being a good steward of what we’re blessed with & being able to give/help others; having enough for emergency funds was always a high priority as well.

Arkansas 181

Arkansas Frugal College Kids and Family 181

Family Balance Sheet

JUNE 22, 2020

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. My grocery strategies: How to Save Money on Groceries. Read: How to Get a FREE Gym Membership.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Prairie Eco-Thrifter

JANUARY 21, 2011

Get Rich Slowly shares with us how we can all put money in an emergency fund no matter what our financial situtation is. Kevin at Sweating the Big Stuff tells us why we shouldn’t save for an emergency fund. Not Made of Money tells us how we can save for our vacation ahead of time.

January 124

January Emergency Fund Personal Finance Finance 124

Family Balance Sheet

FEBRUARY 3, 2016

Today’s Debt Free Story is from Charissa. I am a free-lance sign language interpreter, putting my husband through engineering school by paying cash. We started paying it off when we got married and became debt free just shy of our second anniversary. What inspired you to become debt free? Where are you from?

Debt 100

Debt Debt Free College Finds 100

Family Balance Sheet

JUNE 8, 2018

You can find blank calendar pages by Googling, “free calendar template” or I’ve found blank monthly calendars at the Dollar Tree. Also, my friend, Raki, offers a free blank calendar page if you sign up for her email newsletter. You can find that here: [link]. Set your calendar aside, and grab some lined paper.

Budgeting 133

Budgeting Budget Financial Goals Goals 133

Family Balance Sheet

MAY 27, 2015

Today’s Debt Free Story is from Olivia. What inspired you to get debt free? We did follow Dave Ramsey’s 7 Baby Steps to becoming debt free. We skipped Baby Step #5 (college funding) because we didn’t have kids at the time. Extra money from budgeting wisely and spending less (specific tips below).

Debt 100

Debt Debt Free Pay Off Debt Finds 100

Family Balance Sheet

AUGUST 11, 2014

Welcome to Debt Free Stories. 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? I was inspired to get debt free for 2 main reasons: 1.

Debt Free 235

Debt Free Debt Mom Goals 235