Family Balance Sheet

MAY 6, 2020

What got us through financially? Our emergency fund. I am totally paraphrasing the year, but had it not been for the money in our emergency savings, we would most likely have used credit cards to survive. I still use my spreadsheet to this day! It was a lifesaver, a sanity saver, and a marriage saver.

Debt 130

Debt Emergency Fund 2007 2020 130

Family Balance Sheet

JULY 10, 2023

My goal has always been to live well on less while achieving our big financial goals. We are in what I call our “shovel season of life” Our oldest daughter leaves for college in the fall of 2024 and we have a big savings goal to hit before then. Frugal living is not about deprivation.

Frugal 100

Frugal June Flights CD 100

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

Family Balance Sheet

AUGUST 11, 2016

They’re taking a gap year between high school and college. We’re struggling with it all too. If you’re married, you MUST do this with your spouse.) We still refer to it often to remind ourselves of our goals and objectives. Although I have not personally used this resource. It is a lot.

Emergency Fund 100

Emergency Fund Money Finance Debt 100

Family Balance Sheet

APRIL 11, 2020

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. I have been using it ever since. Emergency Savings = Last Resort. Cash is King.

Budgeting 246

Budgeting Budget Family Debt 246

Penny Pinchin' Mom

JANUARY 16, 2024

Have Specific Financial Goals Financial planning is the key to financial success. You need to have very specific financial goals; what do you need to achieve by which date? Again, you’re not alone with this problem. Find yours and use it to make extra cash. It will help you achieve your financial goals faster.

Personal Finance 52

Personal Finance Finance Tips Finance Mom 52

Family Balance Sheet

MARCH 19, 2014

Using Dave Ramsey’s 7 baby steps, we created our Debt Freedom Plan. Save $$$ Home Emergency Fund – Dave suggests to start at $1000, but being self-employed, ours is much higher, but it is not quite 3-6 months of expenses. Unfortunately they’re not cheap. We estimate that this will take us 4 years.

Debt 100

Debt Money Emergency Fund Goals 100

Saving Cents With Sense

MAY 26, 2014

The first thing you should determine when making a financial plan is your goals. Write down your immediate and long-term goals and how you plan to achieve them. Income should include all funds from paychecks, government assistance, annuity payments and so forth. Build a Budget & Emergency Fund.

Emergency Fund 71

Emergency Fund Goals 2008 Debt 71

Family Balance Sheet

APRIL 30, 2014

The Goal of the Grocery Budget Challenge is to be creative with our meal planning and grocery shopping so that we do not over-spend. April Wins : By using the same strategies from March , I was able to stay within our grocery budget of $450. And what are your emergency meals that you always have on hand? How Did We Do in April?

Budgeting 100

Budgeting Budget Groceries Grocery 100

Family Balance Sheet

JANUARY 17, 2018

Did you make 2018 financial goals ? My husband and I discussed some ideas over our holiday break and we decided on 2 solid must-achieve financial goals for the year. If we complete them early, we’ll move on to 2 additional goals that are on our radar. Our 2 Main Financial Goals for 2018: 1 – Finish the will.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

Family Balance Sheet

SEPTEMBER 9, 2014

We live in metro Phoenix, in a 70s tract house that we’ve been gradually re-doing. 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. ” You can do a lot of things if they’re super important to you.

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Prairie Eco-Thrifter

MAY 6, 2016

Digging into this formula investment technique (which is similar to dollar cost averaging), led me to the re-discovery of multiple other types of formulas and techniques which are supposed to help us make our money grow. What are some of the methods used for investing? Stock picking formulas. Technical analysis (chartists).

401K 100

401K Money Emergency Fund Goals 100

Family Balance Sheet

JANUARY 20, 2017

One thing that is really important to us is serving. A life goal of ours is. emergency fund, so we started throwing what little extra we had straight. We committed to using a cash budget, and we talked daily at. When the second loan was paid off, we used everything to go towards. with my youth group.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Family Balance Sheet

SEPTEMBER 29, 2016

We’re typical Canadians that spend most of our free time in the fall and winter months inside arenas. We used (and currently still follow) Dave Ramsey’s Baby Steps. If married, who initiated the debt free goal? I was the one that approached Jeff with the debt free goal after doing some research online.

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

Savings Corner

DECEMBER 25, 2023

You use a loan to pay the rest of the purchase price over time. You may have heard that you need to make a 20% down payment on a home, but that’s really just the threshold many lenders use for requiring mortgage insurance on a conventional loan. Its home equity line of credit can be used for an owner-occupied or second home.

Insurance 52

Insurance Home Refinancing Money 52

Family Balance Sheet

FEBRUARY 10, 2017

Unfortunately, we did not hit that goal and in part, have made some major changes to our Debt Freedom Plan. This new strategy had us looking in the same direction with regards to our financial future and my husband was on board. ” It might be small, but its size has probably set us up very well financially.

Debt 100

Debt 2017 Student 2016 100

Family Balance Sheet

JUNE 8, 2018

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. Personally, budgeting has allowed us to control of our money, reach financial goals, and start planning for our dream life. We have been using this system ever since.

Budgeting 133

Budgeting Budget Financial Goals Goals 133

Family Balance Sheet

JUNE 22, 2020

In September 2019, my husband and I accomplished our biggest financial goal in our almost 20 years of marriage. This side hustle income was mainly used for the fun stuff, such as camping, home renovations & repairs, and needs for our kids. We’re STILL here! In 2020, we still use and are thankful for Medi-share.

Debt 130

Debt Health Insurance Insurance Budgeting 130

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. One of my personal goals in 2012 is to travel more. I want to use up all my holidays from work, as well as going on some random weekend road trips.

Travel 226

Travel Debt Finance Emergency Fund 226

Family Balance Sheet

OCTOBER 20, 2014

By the end of the month, my goal is to help you have a detailed financial plan for your family. We’re going to use the zero based budget as a guide for our monthly spending plan. If you use this pdf, white out any categories that you don’t need to add your own. Personal Escrow Fund. Gift Giving Fund.

Finance 100

Finance Organic Organization Budgeting 100

Family Balance Sheet

AUGUST 11, 2014

Use this to develop a budget & determine where you will cut back. (If I was spending the same on groceries as my mortgage because we’re grain free sugar free & there were way too many quick stops at the store on the way home, while hungry). (I Use cash system with envelopes for your over spending areas.

Debt Free 235

Debt Free Debt Mom Goals 235