Penny Pinchin' Mom

DECEMBER 17, 2023

From a personal point of view, I much prefer living debt free. 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. You will need to handle them first, even if your emergency fund is nonexistent.

Pay Off Debt 52

Pay Off Debt Debt Emergency Fund Financial Goals 52

Prairie Eco-Thrifter

JUNE 30, 2014

My fiancé’s financial goal is to save up money for incidentals and emergencies (over and above our current fully-funded emergency funds), and then buy a really good truck and perhaps a boat with anything extra that hasn’t gone toward retirement or the emergency funds. Money Tips'

Financial Goals 189

Financial Goals Goals Emergency Fund Finance 189

Family Balance Sheet

AUGUST 11, 2016

Use my Family Balance Sheet excel spreadsheet to help you organize your finances. It’s FREE when you sign up here for my weekly newsletter. Finding a professional can be overwhelming, but Dave Ramsey just launched SmartVestor , a free resource to help you find an investing professional. Where We Stand.

Emergency Fund 100

Emergency Fund Money Finance Debt 100

Prairie Eco-Thrifter

JANUARY 1, 2013

Lack of An Emergency Fund . One of the most common disastrous finance mistakes is not having any sort of financial back-up for emergencies. Experts recommend an emergency fund of at least six month’s salary as essential, especially if you are struggling to make ends meet. Minimum Payments On Credit Cards.

Emergency Fund 272

Emergency Fund Credit Cards Personal Finance Finance 272

Prairie Eco-Thrifter

JANUARY 19, 2015

There are tricks you can use to save more money even IF your budget is very tight. Earmark this money for an emergency fund, a new car fund, a vacation fund, whatever you would like. Take advantage of free money. If you look around, you’ll find opportunities for free money are everywhere.

Money 100

Money 2015 Emergency Fund Bills 100

Family Balance Sheet

MAY 21, 2021

Your first assignment: Take the first step and calculate your debts by using my FREE Family Balance Sheet. Being self-employed, we felt we needed more than Dave’s recommended $1000 starter emergency fund that he outlines in his book, so our first step was to save a bit more for our home and office.

Debt 130

Debt Goals Debt Free Pay Off Debt 130

Saving With Shellie

JUNE 30, 2014

Capital One 360 (formerly ING) brought back their FREE cash offer for new customers. Who doesn’t need free cash this time of year! Right now you can get $100 in free money , simply by opening a completely free checking account. How to Get Your FREE $100. I got some yummy drinks and got my free sign-up bonus.

Emergency Fund 79

Emergency Fund Sonic Frugal Lives Frugal Living 79

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

Prairie Eco-Thrifter

SEPTEMBER 13, 2011

Living your dream life debt free requires a simply task of going back to Grade 1 math lessons and applying the concepts. Now hold that thought and think about this: living your dream life debt free. . Use your math skills to define your dream life. Auction those items that you are not using anymore. How do you avoid this?

Debt Free 235

Debt Free Debt Emergency Fund Hobby 235

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. We will use Dave Ramsey’s debt snowball method. | We estimate that this will take us 4 years. But we needed a plan.

Debt 100

Debt Money Emergency Fund Goals 100

Family Balance Sheet

SEPTEMBER 9, 2014

Welcome to Debt Free Stories. Tell us about you and your family. 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. What inspired you to get debt free?

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Prairie Eco-Thrifter

JANUARY 16, 2014

Traditional investment advice says that you shouldn’t invest in the market until you are financially stable, have an emergency fund and have taken care of other basics, such as insurance of all kinds, debt removal and etc. The better award is to get a stock award free and clear.

Emergency Fund 184

Emergency Fund Debt Money Father 184

Saving With Shellie

NOVEMBER 29, 2013

Capital One 360 (formerly ING) has brought back their FREE cash offer. This is my favorite Black Friday deal every year because who doesn’t need free cash this time of year!? Get $100 in free money , simply by opening a completely free checking account. How to Get Your FREE $125. Easy Peasy.

Emergency Fund 68

Emergency Fund January Credit Cards Sonic 68

Saving In Akron

MARCH 9, 2011

This all goes back to having an emergency fund and paying yourself first. My family would not have survived without that emergency fund. I am sharing this with all of you because I want to support you not just in getting the best deals for yourself, but in maintaining a debt free lifestyle. Anyone can do this.

Emergency Fund 100

Emergency Fund Daughter Cars Car 100

Family Balance Sheet

JUNE 30, 2015

Increase our emergency fund to 6 months of expenses. Contribute to our retirement funds. Continue to live debt free with the ability to travel more, give more, pursue our passions. Write a book about our debt free journey. Our Financial Goals: Pay off our non-mortgage debt. Start saving for college. Absolutely!

Financial Goals 100

Financial Goals Debt Goals Emergency Fund 100

Saving With Shellie

NOVEMBER 23, 2012

ING Direct has brought back their FREE cash offer and who doesn’t need free cash this time of year! Right now you can get $125 in free money , simply by opening a completely free checking account. How to Get Your FREE $125. Then I used the card at Sonic for Happy Hour 10 different times. Easy Peasy.

ING Direct 58

ING Direct Emergency Fund Savings Account Credit Cards 58

Saving With Shellie

JULY 1, 2013

Capital One 360 (formerly ING) has brought back their FREE cash offer and who doesn’t need free cash this time of year! Right now you can get $100 in free money , simply by opening a completely free checking account. How to Get Your FREE $125. Open a free, no-fee Capital One 360 Checking Account by 7/3.

Emergency Fund 51

Emergency Fund Sonic Frugal Lives Frugal Living 51

Prairie Eco-Thrifter

MARCH 14, 2013

Now is the time to watch every penny that you spend, so that you can purchase more in the same budget or even better, put that money in emergency funds. Though using coupons certainly helps, there are other ways too. If there is a non-perishable item on sale, pick it up if you use it often even if don’t need it right away.

Saving Money 222

Saving Money Money Bills Insurance 222

Saving With Shellie

APRIL 18, 2012

If you missed this before, ING Direct has brought back the free $50 promo. To get your $50 , simply open a completely free checking account. Once you activate your card, use it to make three purchases within 45 days of opening your account. Then I used the card at Sonic for Happy Hour 3 different times. Easy Peasy.

ING Direct 49

ING Direct Emergency Fund Sonic New Cars 49

Saving With Shellie

MARCH 15, 2012

If you missed this before, ING Direct has brought back the free $50 promo. To get your $50 , simply open a completely free checking account. Once you activate your card, use it to make three purchases within 45 days of opening your account. Then I used the card at Sonic for Happy Hour 3 different times. Easy Peasy.

ING Direct 49

ING Direct Emergency Fund Sonic New Cars 49

Saving With Shellie

MARCH 2, 2012

ING Direct has brought back the free $50 promo. To get your $50 , simply open a completely free checking account. Once you activate your card, use it to make three purchases within 45 days of opening your account. My husband and I have been using ING Direct for several years now and absolutely love it. Happy Earning!

ING Direct 40

ING Direct Emergency Fund New Cars Vacation 40

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. If you’re stumped on how to use a particular ingredient, search for ideas on FBS or other recipe sites. And what are your emergency meals that you always have on hand? How Did We Do in April? February Meeting.

Budgeting 100

Budgeting Budget Groceries Grocery 100

Savings Corner

FEBRUARY 2, 2024

And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. Our partners compensate us. So how do we make money? Here is a list of our partners.

Calculators 52

Calculators Saving Bank Banking 52

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. Generate free cash. Generating free cash sounds too good to be true, but it’s not. Estimate how much you’ll need.

Holiday 169

Holiday Emergency Fund Homemade Eating Out 169

Saving With Shellie

JULY 2, 2013

Don’t forget, Capital One 360 (formerly ING) has brought back their FREE cash offer and who doesn’t need free cash this time of year! Right now you can get $100 in free money , simply by opening a completely free checking account. How to Get Your FREE $125. Easy Peasy.

Emergency Fund 40

Emergency Fund Sonic Frugal Lives Frugal Living 40

Saving With Shellie

JANUARY 5, 2011

ING Direct has brought back the free $50 promo that they offered last year. To get your free $50, simply open a completely free checking account. Open a FREE Electric Orange Checking Account (No minimum amount required and no fees!). use it to make three non-pin purchases within 45 days of opening your account.

ING Direct 49

ING Direct Emergency Fund New Cars Vacation 49

Prairie Eco-Thrifter

JULY 4, 2011

Your City or County May Have Free Money For You. Often times, home buyers may not be aware that free money for a down payment on a house is still available for qualified buyers. My parents have helped us in the past. FMF from Free Money Finance shares his Simple Car Email. Thanks for letting us know your secret.

Personal Finance 240

Personal Finance Finance Family Debt 240

Saving With Shellie

JUNE 30, 2012

ING Direct has brought back their free cash offer and who doesn’t need free cash! Right now you can get $76 in free money , simply by opening a completely free checking account. How to Get Your FREE $76. Once you activate your card, use it to make three purchases within 45 days of opening your account.

ING Direct 55

ING Direct Emergency Fund Savings Account August 55

Saving With Shellie

JULY 3, 2013

Today is the last day to take advantage of the free cash offer from Capital One 360. Capital One 360 (formerly ING) has brought back their FREE cash offer and who doesn’t need free cash this time of year! Right now you can get $100 in free money , simply by opening a completely free checking account.

Emergency Fund 40

Emergency Fund Sonic Advantage Frugal Lives 40

Saving With Shellie

FEBRUARY 2, 2011

ING Direct has brought back the free $50 promo. To get your free $50, simply open a completely free checking account. Open a FREE Electric Orange Checking Account (No minimum amount required and no fees!). Use it to make three non-pin purchases within 45 days of opening your account. Click “Get Started&#.

ING Direct 45

ING Direct Emergency Fund DVDs New Cars 45

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. We take advantage of anything we can get if it is free or cheap, but do we need to?

Personal Finance 219

Personal Finance Finance Debt Money 219

Saving With Shellie

JULY 2, 2012

ING Direct has brought back their free cash offer and who doesn’t need free cash! Right now you can get $76 in free money , simply by opening a completely free checking account. How to Get Your FREE $76. Once you activate your card, use it to make three purchases within 45 days of opening your account.

ING Direct 45

ING Direct Emergency Fund Savings Account August 45

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

NOVEMBER 12, 2011

He discusses income beneficiaries, remainder beneficiaries and provides and example of the use of a dynasty trust. Money Talks Coaching: Finding Your Emergency Fund – I hear you saying “I know emergency funds are important, but how am I supposed to save money when I can’t even pay my bills?” Some freedom.

November 188

November 2011 Personal Finance Finance 188

Penny Pinchin' Mom

MARCH 11, 2024

We know that saving for a rainy day isn’t just a phrase our grandparents used to throw around. 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.

Saving Money 52

Saving Money Money Saving Credit Cards 52

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

Finally Frugal

JANUARY 17, 2011

I'm pretty sure I've mentioned my 15 (almost 16) year old 'beater' car, which I'm trying to keep running until I'm debt-free. or whether to use the money from my extra jobs, thereby NOT sending that money to my debt. My emergency fund earns 1.10% interest. Bad, bad, bad. NOTE: just had a thought.

Emergency Fund 45

Emergency Fund Debt Cars Car 45