Family Balance Sheet

JULY 10, 2023

So we started shopping around and were shocked to find how expensive outdoor furniture has become. I also opened another Capital One 360 account for our emergency fund that was also sitting in a zero-interest savings account. However, we all agreed that the existing furniture was not comfortable, especially to watch movies.

Frugal 100

Frugal June Flights CD 100

Prairie Eco-Thrifter

JANUARY 30, 2013

Your physical emergency preparedness can also help during times of financial hardship. For example, if my family were to experience a sudden drop in income, we have enough home food storage to help us along for a few months. You can augment with other emergency sources as well.

Emergency Fund 211

Emergency Fund Job Loss Transportation Staying Warm 211

Family Balance Sheet

MAY 21, 2021

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. To be honest, our first step in our plan wasn’t even paying off debt. We said NO to a lot, and that isn’t fun.

Debt 130

Debt Goals Debt Free Pay Off Debt 130

Savings Corner

DECEMBER 25, 2023

Experts typically recommend spending no more than 20 percent of take-home pay on a car. Edmunds recommends that a new car payment be no more than 15 percent of your monthly take-home pay. When insurance, fuel and other regular monthly expenses are included, the cost should not exceed 20 percent of your monthly take-home pay.

Cars 52

Cars Car Insurance Calculators 52

Prairie Eco-Thrifter

OCTOBER 26, 2014

If you’ve not yet set aside any money for holiday shopping, know that there are things you can do now to reduce holiday expenses and round up the extra money. Are there any jobs you can work on the side like babysitting or freelance work from home? Take these steps now before any more time passes. Take on extra work.

Holiday 169

Holiday Emergency Fund Homemade Eating Out 169

Prairie Eco-Thrifter

DECEMBER 6, 2012

Brew your coffee at home, it is cheaper. Shop Sales. Cut coupons, go grocery shopping when your items are on sale, and you will save money. Medical emergencies, car emergencies, or family situations may arise where you need to dip into your emergency fund. It’s not a necessity.

Bank 265

Bank Banking Money Saving 265

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. Lately when I see my bill at the check out, I’m shocked at how few groceries are actually going home with me. This will be a challenge where we’ll need discipline, support, and planning.

Budgeting 100

Budgeting Budget Groceries Grocery 100

Prairie Eco-Thrifter

NOVEMBER 12, 2011

Financial Success for Young Adults: Financing a Home Modification – At some point in your life, it may be necessary to modify your home. Paying for a home modification could cost you a lot of money, but there are ways to work up to the costs so it’s not such a bad hit on your wallet. – How will you measure your life?

November 188

November 2011 Personal Finance Finance 188

Prairie Eco-Thrifter

JULY 4, 2011

A plan B is a must in any home. Often times, home buyers may not be aware that free money for a down payment on a house is still available for qualified buyers. Jacob @ My Personal Finance Journey discusses Online Shopping – The Risks, Benefits, and How to Stay Safe. Your City or County May Have Free Money For You.

Personal Finance 240

Personal Finance Finance Family Debt 240

Penny Pinchin' Mom

MARCH 11, 2024

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. I make my coffee at home, pack my lunch, and go straight home after work.

Saving Money 52

Saving Money Money Saving Credit Cards 52

Prairie Eco-Thrifter

OCTOBER 21, 2012

.” Amy from Money Mishaps shares how Online Shopping Can Save You Tons. ” Sean from One Smart Dollar shares 5 Ways to Save Money on Christmas Shopping. Peter from Bible Money Matters shares 10 Tips to Save Money on Your Christmas Shopping and Avoid Going Into Debt. Take the test to find out!”

Personal Finance 219

Personal Finance Finance Debt Money 219

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. Before heading to the store, make a list of what you need and stick to the list while shopping. 10 Ways to Clean Your Home with Essential Oils.

2014 88

2014 Saving Bills Emergency Fund 88

Family Balance Sheet

JANUARY 21, 2015

I own a software consultancy that I run from home and my husband is a letter carrier with the post office. We have 2 girls that I am home schooling this year. We paid down mostly student loans, vehicles and business credit card debt ( we already own a home outright ). Nine years later, I am still at home! I am the nerd.

Debt 100

Debt Debt Free Las Vegas Finance 100

Family Balance Sheet

JANUARY 1, 2015

How to Build a Starter Emergency Fund in 30 Days or Less | Jackie Beck @ The Debt Myth. Hot Work at Home Jobs for 2015 | Holly Hanna @ The Work at Home Woman. 9 Ways to Get Healthier In The New Year | Amy Maus @ Home and Farm Sense. A New Year, A New You | Sharon Rowe @ How to Get Organized at Home.

2015 100

2015 Money Debt Home and Garden 100

Family Balance Sheet

JANUARY 20, 2017

our home with a GREAT interest rate so we are okay with it. emergency fund, so we started throwing what little extra we had straight. myself from myself and stopped going out to shop and peruse and just “pick. 2 – Shop for meats that are on sale. racks FIRST when shopping for clothes and shoes.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

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. Before heading to the store, make a list of what you need and stick to the list while shopping. 10 Ways to Clean Your Home with Essential Oils.

New Year's 40

New Year's Saving Bills Emergency Fund 40

Family Balance Sheet

FEBRUARY 4, 2015

He now works as an architect, and I do some freelance from home now that we have kids. We bought into the myth that student loan debt is “good debt” and that it was better to “invest” in buying a home instead. After we had kids, though, I stayed home, so we continued making the minimum payment for years.

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. Before heading to the store, make a list of what you need and stick to the list while shopping. 10 Ways to Clean Your Home with Essential Oils.

New Year's 40

New Year's Saving Bills Emergency Fund 40

Saving Everyday

FEBRUARY 15, 2014

5 Ways to Save Money In The Home by Living A Frugal Life. Five Ways to Build Your Emergency Fund FAST! Coupon FAQ’s – How to Price Match When Shopping for Extra Savings by Two Kids & A Coupon. Frugal Tip | Go Shopping As Little As Possible. Name Brand or Generic? Which is Better? by Deals From MS Do.

Saving Money 71

Saving Money Frugal Money Thrifty 71

Family Balance Sheet

SEPTEMBER 29, 2016

Coming home from a trip to Disney World was what started it all. Shop with a list, and not just for food. Who handles the day-to-day finances in your home or do you work on it equally? I’m the one who handles the day to day finances in the home. We are currently working towards fully funding our emergency fund.

Debt 100

Debt Debt Free Budgeting Budget 100

Saving Everyday

JANUARY 1, 2015

5 Ways to Save Money In The Home by Living A Frugal Life. Five Ways to Build Your Emergency Fund FAST! Coupon FAQ’s – How to Price Match When Shopping for Extra Savings by Two Kids & A Coupon. Frugal Tip | Go Shopping As Little As Possible. Name Brand or Generic? Which is Better? by Deals From MS Do.

Saving Money 40

Saving Money Frugal Money Thrifty 40

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. Let’s look at some of these strategies now. if you are not insured!

Emergency Fund 222

Emergency Fund Insurance Debt Credit Cards 222

Savings Corner

DECEMBER 25, 2023

Coming up with enough cash for a down payment to buy a house can be the single biggest roadblock for prospective home buyers. A down payment is the cash you pay upfront to make a large purchase, such as a home. A 10% down payment on a $350,000 home would be $35,000. But how much of a down payment do you really need?

Insurance 52

Insurance Home Refinancing Money 52

Family Balance Sheet

FEBRUARY 10, 2017

We dramatically reduced our spending by cutting our cable TV and landline , shopping thrifty, eating out less often , and lowering our grocery bill. Our extra funds went towards our cash flow. At that time, I couldn’t cash flow the office budget, home budget, our loans, and retirement savings.

Debt 100

Debt 2017 Student 2016 100

Family Balance Sheet

MAY 27, 2015

I’m a former 3rd grade teacher, but now a stay at home mom and a graphic designer of Joyful Art Designs. Our plans for me to be a stay at home mom on one teacher salary. Grocery shopping wisely – We shop at affordable stores, shop the ads/sales, and menu plan. Hi, my name is Olivia, and my husband is Ryan.

Debt 100

Debt Debt Free Pay Off Debt Finds 100

Family Balance Sheet

AUGUST 11, 2014

I followed Dave Ramsey’s baby steps and did the Financial Peace University class twice, once at home last spring and I enrolled again at church this past spring to stay focused. Who handles the day-to-day finances in your home or do you work on it equally? Since it’s a lifetime membership. Round 2 was already paid.

Debt Free 235

Debt Free Debt Mom Goals 235