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

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

Family Balance Sheet

OCTOBER 15, 2014

The last time our 7 year old van was in the shop for an oil change, our mechanic told me that the timing belt and some other components would need to be replaced along with its upcoming 100,000 service. Please refer back to the original post for a complete list of daily assignments.

Finance 100

Finance Organic Organization Emergency Fund 100

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. Add to Your Emergency Fund.

Taxes 40

Taxes Emergency Fund Debt Money 40

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

Prairie Eco-Thrifter

MAY 27, 2012

Also include an emergency fund and contributions to a retirement account, even if just small amounts at first. Cut a bit from several areas rather than a big amount off one. If your budget doesn’t have a savings amount, put one in. Adjust your spending if you have to. Pay with Cash Start to pay cash for living expenses.

Emergency Fund 212

Emergency Fund Credit Cards Budgeting Budget 212

Prairie Eco-Thrifter

APRIL 3, 2014

Unfortunately, with all your heightened negative emotions, the placating actions you chose may be counterintuitive, resulting in more poor spending choices- i.e. shop therapy, impulse buying, running up a bar tab, etc. Denying and Prolonging the Problem. Negative thoughts and attacks are hard to deal with.

Emergency Fund 218

Emergency Fund Debt Bills Money 218

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. This list became our personal Debt Freedom Plan. To be honest, our first step in our plan wasn’t even paying off debt.

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. We all know that it comes every year on December 25th and that there are many, many expenses associated with Christmas. Take these steps now before any more time passes.

Holiday 169

Holiday Emergency Fund Homemade Eating Out 169

Prairie Eco-Thrifter

DECEMBER 6, 2012

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. If the answer is more than 5, you don’t need them. Share your ideas below!

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. How did you do in April? Did you plan your meals regularly?

Budgeting 100

Budgeting Budget Groceries Grocery 100

Prairie Eco-Thrifter

JULY 4, 2011

Jacob @ My Personal Finance Journey discusses Online Shopping – The Risks, Benefits, and How to Stay Safe. 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?

Personal Finance 240

Personal Finance Finance Family Debt 240

Savings Corner

DECEMBER 25, 2023

Specifically, weigh buying in cash — and possibly eating into or wiping out your emergency fund — versus making affordable payments over time. With an affordable OTD cost in mind, you can aim for a certain sticker price while shopping for a vehicle.

Cars 52

Cars Car Insurance Calculators 52

Finally Frugal

JANUARY 17, 2011

I knew I needed to get it into the shop, but I've been putting it off because I didn't want to spend the money. My emergency fund earns 1.10% interest. As far as maintenance, I get regular oil changes and that's about it. Well, now I have no choice! Serious issues, but not in my budget, unfortunately. Bad, bad, bad.

Emergency Fund 45

Emergency Fund Debt Cars Car 45

Prairie Eco-Thrifter

NOVEMBER 12, 2011

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?” Today I’m going to talk about getting those emergency funds going. Living in Financial Excellence: Is Mystery Shopping Legit?

November 188

November 2011 Personal Finance Finance 188

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

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. Go generic wherever possible and save some money when grocery shopping.

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

Family Balance Sheet

JANUARY 20, 2017

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. First, we will save our six-month emergency fund.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

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. Record all your expenses for one month.

2014 88

2014 Saving Bills Emergency Fund 88

Family Balance Sheet

FEBRUARY 2, 2017

What need are you trying to fulfill by over spending or shopping? They took it one step at a time though, first by building up emergency funds as quickly as possible, then by paying off the credit cards and committing to no new debt. Save for emergencies. Read: How to Build your Emergency Fund.

Financial Goals 100

Financial Goals Goals Debt 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. Record all your expenses for one month.

New Year's 40

New Year's Saving Bills Emergency Fund 40

Family Balance Sheet

JANUARY 21, 2015

We saw shows, shopped and ate until our hearts were content (no gambling!) We still look for bargains and shop at thrift stores. We are almost done with our 3-6 month emergency fund and will begin maxing out our retirement accounts. It was an awesome celebration. What are your financial goals now?

Debt 100

Debt Debt Free Las Vegas Finance 100

Saving Everyday

FEBRUARY 15, 2014

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. by Deals From MS Do. 5 Ways to Save Money In The Home by Living A Frugal Life. 7 Easy Ways to Save on Travel by Living A Frugal Life.

Saving Money 71

Saving Money Frugal Money Thrifty 71

Family Balance Sheet

JANUARY 1, 2015

How to Build a Starter Emergency Fund in 30 Days or Less | Jackie Beck @ The Debt Myth. Organizing Coupons with the Binder Method | Sara Steigerwald @ Sisters Shopping on a Shoe String. How to Make This the Best Gardening Year Ever | Kendra Spencer @ a Sonoma Garden. 5 Ways to Make this Your Best Monarch Season…Ever!

2015 100

2015 Money Debt Home and Garden 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. Record all your expenses for one month.

New Year's 40

New Year's Saving Bills Emergency Fund 40

Saving Everyday

JANUARY 1, 2015

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. by Deals From MS Do. 5 Ways to Save Money In The Home by Living A Frugal Life. 7 Easy Ways to Save on Travel by Living A Frugal Life.

Saving Money 40

Saving Money Frugal Money Thrifty 40

Family Balance Sheet

FEBRUARY 4, 2015

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. I ended up having some opportunities to earn extra income on the side from my blog, etsy shop, books, and architecture. That really accelerated our pay off.

Debt Free 100

Debt Free Debt Financial Goals Budgeting 100

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

Family Balance Sheet

SEPTEMBER 29, 2016

Shop with a list, and not just for food. We are currently working towards fully funding our emergency fund. We started making our own bread, pancake mix, hot chocolate mix, “Swiffer” dusting clothes, lunch snacks (cookies and muffins), bread crumbs, pizza crust, etc. What are your financial goals now?

Debt 100

Debt Debt Free Budgeting Budget 100

Prairie Eco-Thrifter

SEPTEMBER 25, 2014

After that, it’s my habit to transfer a portion of my pay to a savings account that I can’t touch; whether that’s my RRSP, my emergency fund or my TFSA. Maybe we’ll see an ad on television that makes us want a product and we’ll log onto our favourite online shopping center to purchase it.

Making 192

Making Emergency Fund Saving Debt 192

Savings Corner

DECEMBER 25, 2023

You could end up “ house poor ,” spending too much of your income servicing your mortgage or depleting your emergency fund. Leaving a cushion for home maintenance and repairs, as well as potential emergencies, is a good idea even if you’re purchasing a move-in-ready home. Shop around.

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. Build up our Emergency Funds to 3-6 months of expenses. Start college funds for both girls. We made a lot of changes since 2013. We bought our home in 2001.

Debt 100

Debt 2017 Student 2016 100

Family Balance Sheet

MAY 27, 2015

Grocery shopping wisely – We shop at affordable stores, shop the ads/sales, and menu plan. Make sure to have an emergency fund so you’re not put back into debt when something comes up. What are your top 3 – 5 tips for saving money/pinching pennies to put towards paying off your debt. I rarely use coupons.

Debt 100

Debt Debt Free Pay Off Debt Finds 100

Family Balance Sheet

AUGUST 11, 2014

I’m working on baby step 3 (3-6 months emergency fund) while paying cash for my new home projects. Watching Dave Ramsey’s live show daily pushed me through those days I thought it just wasn’t going to happen and wanted to quit or just go shopping. What are your financial goals now?

Debt Free 235

Debt Free Debt Mom Goals 235