Savings Corner

DECEMBER 24, 2023

There are pros and cons to each option and, as always, you’ll want to shop around for financial products to ensure you’re getting the best rate and terms. While banks and credit unions offer personal loans, subprime lenders are also very active in this market, so shop carefully and compare rates, terms and fees between three or more lenders.

Debt 52

Debt Calculators Credit Cards Credit 52

Family Balance Sheet

JULY 10, 2023

So we started shopping around and were shocked to find how expensive outdoor furniture has become. My plan is to use this cash first as it will come to term around the same time we will need to make the first college payment. 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

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. A good part of our monthly income is spent on grocery shopping, and the budget may even go higher depending on whether it’s a holiday or a birthday where you need to feed more people.

Saving Money 222

Saving Money Money Bills Insurance 222

Family Balance Sheet

MAY 21, 2021

Did you make a goal to pay off debt this year? I couldn’t imagine making the monthly payments for the full term of the loans, so I concocted an idea to pay them off early and wrote our Debt Freedom Plan. To eliminate debts, you will have to make some short-term sacrifices. We said NO to a lot, and that isn’t fun.

Debt 130

Debt Goals Debt Free Pay Off Debt 130

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. Make a list of all of the family and friends you buy for and how much you usually spend. Can you make any presents? How to Make Extra Money.

Holiday 169

Holiday Emergency Fund Homemade Eating Out 169

Prairie Eco-Thrifter

APRIL 3, 2014

What about when you make a silly mistake? After realizing a financial mistake, like miscalculating a debt or failing to plan for a bill, and then beating yourself up on top of that financial stress, you’ll probably want to do something to make yourself feel better. What about when you drop and break something accidentally?

Emergency Fund 218

Emergency Fund Debt Bills Money 218

Prairie Eco-Thrifter

MAY 27, 2012

To help you identify where you might be going wrong, we’re going to look at some of the more common financial mistakes people make. The second step is to make some changes. Also include an emergency fund and contributions to a retirement account, even if just small amounts at first. So, how did you do?

Emergency Fund 212

Emergency Fund Credit Cards Budgeting Budget 212

For the Mommas

JANUARY 19, 2016

When that time of year arrives that you receive a nice large amount of refunded tax money, it can be tempting to immediately go on a shopping spree. Before you go on that shopping spree, though, consider these ideas about where you can put your money that will make a difference for you in the long run. Get Rid of Debt.

Taxes 40

Taxes Emergency Fund Debt Money 40

Prairie Eco-Thrifter

DECEMBER 6, 2012

Shop Sales. Cut coupons, go grocery shopping when your items are on sale, and you will save money. This is not to say you should turn into an extreme couponing person, although if you can make it happen, more power to you. By following the above tips, you can make these events less stressful on you and your family.

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. We don’t want to make our families miserable with bland meals, boring snacks, and not enough food in the house, but we must stay on budget. For my system, read 11 Simple Meal Planning Tips.

Budgeting 100

Budgeting Budget Groceries Grocery 100

Savings Corner

DECEMBER 25, 2023

Decide between leasing and buying Whether you’re leasing or buying a car makes a difference in what you can afford. Specifically, weigh buying in cash — and possibly eating into or wiping out your emergency fund — versus making affordable payments over time.

Cars 52

Cars Car Insurance Calculators 52

Prairie Eco-Thrifter

JULY 4, 2011

I know I sometimes get bogged down with too many options and I can take forever to make a decision. If we make effort we will succeed. Sometimes a charitable contribution can make a direct impact on your life and others. In this case, they helped a school fund interactive learning activities. How about you?

Personal Finance 240

Personal Finance Finance Family Debt 240

Penny Pinchin' Mom

MARCH 11, 2024

Having to deny yourself the instant gratification that comes with spending the money at hand calls for incredible mental fortitude; this is especially true in the era of “Insta-life,” where everyone wants it now, and Instagram models make their lives look so glamorous. I usually make it the first week of the month.

Saving Money 52

Saving Money Money Saving Credit Cards 52

Savings Corner

APRIL 4, 2024

It’s also why low-risk plays make for better short-term investments or a stash for your emergency fund. You’ll find the highest-yielding options by searching online, and you can get a bit more yield if you’re willing to check out the rate tables and shop around.

April 52

April Lowes CD Bank 52

Prairie Eco-Thrifter

NOVEMBER 12, 2011

To complete the trusts picture make sure you review A Matter of Trusts part 1 and 2! Invest It Wisely: When Can You Talk about How Much Money You Make? – Could there be times when it’s a good idea to tell someone how much you make? Today I’m going to talk about getting those emergency funds going.

November 188

November 2011 Personal Finance Finance 188

Prairie Eco-Thrifter

OCTOBER 21, 2012

This makes us closer as families which to me is the real reward. Dividend Winners on the other hand, focus on creating specific goals, and the steps to make them a reality. ” Amy from Money Mishaps shares how Online Shopping Can Save You Tons. Make sure you know how to capitalize on this.” I totally agree. .”

Personal Finance 219

Personal Finance Finance Debt Money 219

Family Balance Sheet

FEBRUARY 2, 2017

His 2017 goal is to make $100,000 in online income. What need are you trying to fulfill by over spending or shopping? Make a commitment. . Making financial goals can be intimidating, but make a commitment to START…and continue on to the next step. Make it visual. M = Make it MEASURABLE.

Financial Goals 100

Financial Goals Goals Debt Budgeting 100

Family Balance Sheet

JANUARY 20, 2017

When my husband and I got married, we were making hardly any money. working full time at a low-paying job and going to grad school full time, while my husband was working multiple jobs just to help us make ends meet. we still weren’t making enough money to cover all of our monthly bills. 3 – Make time for fun!

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Saving Cents With Sense

JANUARY 1, 2014

If not, it isn’t too late to make one – and this is one resolution that you can succeed at, too. I have many ways for you to start saving, including couponing, but before you become overwhelmed with the idea, here are 10 tips that are simple, easy and will make you one savvy shopper in 2014, so you can start saving more.

2014 88

2014 Saving Bills Emergency Fund 88

Family Balance Sheet

JANUARY 1, 2015

My husband and I make some financial goals at the start of every year. Tantrum aside, it’s still going to take years, but there is room for us to make some considerable progress in 2015. My husband and I are pumped to make 2015 the best year ever. 5 Ways to Make this Your Best Monarch Season…Ever! Fresh start.

2015 100

2015 Money Debt Home and Garden 100

Saving Cents With Sense

JANUARY 3, 2017

If not, it isn’t too late to make one – and this is one resolution that you can succeed at, too. 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. Make Your Own Laundry Detergent.

New Year's 40

New Year's Saving Bills Emergency Fund 40

Family Balance Sheet

JANUARY 21, 2015

Finally, we took the dive by making a budget and starting our debt snowball. Yes, we followed the recommendations outlined in Dave Ramsey’s resources, Total Money Make Over/ Financial Peace University. 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

Prairie Eco-Thrifter

SEPTEMBER 25, 2014

You don’t have to make yourself close a drawer when you open it for something; that’s another habit. So, I propose that you make a habit out of saving. This brings me to my next point: make a habit of reviewing your spending. Make a Habit of Transferring Money. Make a Habit of Questioning Yourself.

Making 192

Making Emergency Fund Saving Debt 192

Saving Everyday

FEBRUARY 15, 2014

Saving $100 is the same as making $100! How to Make your own Laundry Detergent by I Am That Lady. 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. 5 Tech Tools to Help Make Saving Money Easier by Two Kids & A Coupon.

Saving Money 71

Saving Money Frugal Money Thrifty 71

Saving Cents With Sense

JANUARY 1, 2015

If not, it isn’t too late to make one – and this is one resolution that you can succeed at, too. 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. Make Your Own Laundry Detergent.

New Year's 40

New Year's Saving Bills Emergency Fund 40

Family Balance Sheet

SEPTEMBER 29, 2016

Now we had yet another payment to add to the mix, and I honestly didn’t know how I was going to make it all work. I started my YouTube channel, not with the expectation of making money, but this has also provided a small monthly revenue. If you can make it from scratch rather than buying it – do it.

Debt 100

Debt Debt Free Budgeting Budget 100

Family Balance Sheet

FEBRUARY 4, 2015

After we had kids, though, I stayed home, so we continued making the minimum payment for years. I wasn’t comfortable keeping only $1,000 in an emergency fund with two little ones and just one income, so we didn’t follow that part of his plan. By the grace of God, it took us just under 9 months to pay it off.

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

Saving Everyday

JANUARY 1, 2015

Saving $100 is the same as making $100! How to Make your own Laundry Detergent by I Am That Lady. 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. 5 Tech Tools to Help Make Saving Money Easier by Two Kids & A Coupon.

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.

Emergency Fund 222

Emergency Fund Insurance Debt Credit Cards 222

Savings Corner

DECEMBER 25, 2023

A down payment is the cash you pay upfront to make a large purchase, such as a home. 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. You don’t have to make a 20% down payment to buy a house.

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. We have gone back and forth about moving up into a larger home, but at this point, it might not make sense. Build up our Emergency Funds to 3-6 months of expenses.

Debt 100

Debt 2017 Student 2016 100

Family Balance Sheet

MAY 27, 2015

Using your income to pay off debt sounds obvious, but it surprises me how many people don’t take a look at how much they really make and how fast they could pay off debt. Grocery shopping wisely – We shop at affordable stores, shop the ads/sales, and menu plan. We took advantage of having two incomes.

Debt 100

Debt Debt Free Pay Off Debt Finds 100

Family Balance Sheet

AUGUST 11, 2014

The company I had worked at for 12 years when I started my journey in January 2013, announced it would be making significant job cuts summer 2013. I’m working on baby step 3 (3-6 months emergency fund) while paying cash for my new home projects. Was there a particular event? What are your financial goals now?

Debt Free 235

Debt Free Debt Mom Goals 235