Reality – Expectations = Happiness (or does it?)

The Frugal Girl

Expecting to never touch my emergency fund isn’t realistic. MotivationWhen I wrote about tips for used car shopping , I mentioned this equation: Reality. – Expectations. __. Happiness.

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Our 2018 Financial Goals

Family Balance Sheet

We blew through our health savings account, and now need to save another $10k so we’re not caught off guard if another emergency were to happen. However, we could use a year of extra thriftiness to find any extra funds to accelerate the $10k. Save a starter Home Emergency Fund. Dave Ramsey suggests to have a starter emergency fund of $1000 while focusing on paying off non-mortgage debt. Increase business emergency savings.

Intentional Spending – Being Ready For An Emergency

For the Mommas

“Being intentional with our money turns emergencies into inconveniences.&#. As a part of my Back to Basics series , I am writing a post on how to start an emergency fund. Amy’s emergency fund saved her — when her heater went out on New Years Eve.

Update #1: Our Debt Freedom Plan

Family Balance Sheet

Our plan is going to take us several years and I think celebrating will motivate us when the going gets long and tough. Today I am proud to say that we have completed our second step : Increase business emergency savings to a specific number.

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The Spending Plan Mentality

Prairie Eco-Thrifter

My retirement account contribution, emergency fund contribution, car payments, utility bills, and mortgage are all set up so that they are paid automatically each month. We want an emergency fund. I’m not much into budgeting.

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How to Achieve Your Financial Goals (tips from the achievers)

Family Balance Sheet

Maureen, from The Debt Free Mess Free Life , suggests that you understand what motivates you to act unwisely and spend frivolously (if that is your situation). She and her husband also used a visual motivation chart posted on their refrigerator. Save for emergencies.

Our Debt Freedom Plan | Marriage & Money

Family Balance Sheet

Save $$$ Home Emergency Fund – Dave suggests to start at $1000, but being self-employed, ours is much higher, but it is not quite 3-6 months of expenses. Increase business emergency savings to $$$. | Should be done in another month or two.

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What Money Advice Would You Give Yourself If You Could Go Back in Time

Prairie Eco-Thrifter

I opened a retirement account during that period, but it involved a managed fund with a 2% annual fee. I wasn’t doing anything wrong back then; my family lived within our means, we had an emergency fund, and we were saving for retirement and our son’s college costs.

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Make Money Your Hobby

Prairie Eco-Thrifter

Find something to motivate you into becoming financially literate. Not long after college, a friend of mine gave me a list of recommended books.

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Meet Jackie. She and Her Husband Paid off $147,000 in Debt | Debt Free Stories

Family Balance Sheet

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. Building an emergency fund also helps enormously. Welcome to Debt Free Stories.

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How Angela & Jeff paid off $58,000 of Debt in 2 Years

Family Balance Sheet

We are currently working towards fully funding our emergency fund. The other thing we did to keep us motivated and stop us from feeling paralyzed by the amount we were facing was to keep a visual chart. Meet Angela.

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Meet Tracy, a Single Mom Who Paid Off $41,587 | Debt Free Stories

Family Balance Sheet

I’m working on baby step 3 (3-6 months emergency fund) while paying cash for my new home projects. Find ways to motivate yourself and hold yourself accountable. Welcome to Debt Free Stories. Today, I am pleased to introduce you to Tracy.

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Our Big Financial Goal for 2016

Family Balance Sheet

That was the month I didn’t know if we had enough funds to cover our expenses. Finally, we are able to see the light at the end of the tunnel and are more motivated than ever to pay off these final two loans. 2016 will be THE year.

Carnival of Personal Finance #316- Family Edition

Prairie Eco-Thrifter

In this case, they helped a school fund interactive learning activities. Squirrelers from Squirrelers presents The Case for a Bigger Emergency Fund. Is the conventional advice of keeping a 3 to 6 month emergency fund still valid?

Take Control of Your Money in 2015

Family Balance Sheet

How to Build a Starter Emergency Fund in 30 Days or Less | Jackie Beck @ The Debt Myth. 5 Ways Busy Moms Can Get Motivated to Work Out | Diane Nassy @ philZENdia. New year. Fresh start. Lots of possibilities and many opportunities.

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Find out how Charissa and Her Husband Paid Off $7665 of Debt and Cash Flowed College

Family Balance Sheet

Have pictures of your Why around in your daily life to help keep you motivated. The next goals in line would be to build up a 3 month emergency fund and save enough money to replace my car. Today’s Debt Free Story is from Charissa.

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Our 2017 Debt Freedom Plan Update

Family Balance Sheet

And to be honest, we don’t regret it one bit, but things changed rather quickly in 2013 and we found ourselves with a lot of debt, not enough cash flow, and very little set aside for emergencies. Our extra funds went towards our cash flow. Start college funds for both girls.

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Yes Virginia, There is a Money Tree

Prairie Eco-Thrifter

You have to stay healthy and motivated for many years to grow a money tree. We have enough to live on from other sources and an emergency fund. For 2 years, I did a payroll deduction into my investment account and bought shares of a mutual fund with it. At the end of that time, I had over $100,000 worth of that fund. #117046655 /

How to Start a Budget (and be successful at it!)

Family Balance Sheet

A budget might not change your circumstances, especially if the problem is income, but a budget will help prioritize the funds that are available. 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. Write down any events/holidays/activities that will require funds for the month that you are planning, along with a projection of what you’ll need.

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My #SavingsPledge Goal

Saving With Shellie

I encouraged you to build an emergency fund or pay down debt with your savings. Tiny bits can be a great motivator. Last week I told you about the Savings Pledge where I teamed up with and the other Deal Pros to help America save $1 Billion.

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