Penny Pinchin' Mom

JANUARY 16, 2024

However, if you have been following me, you know that I am quite serious about finding ways to not only get out of debt but also how to create a budget (and stick to it) as well as how to save money without necessarily depriving your family of the quality of life they deserve. Find yours and use it to make extra cash.

Personal Finance 52

Personal Finance Finance Tips Finance Mom 52

Family Balance Sheet

DECEMBER 29, 2020

My mission has always been to help families build a strong financial plan, gain confidence with their money, and live the life of their dreams. That is why I created Family Budget Spreadsheets — a bundle of spreadsheets that we personally use to plan and budget our money. This is a one-month only spreadsheet.

Budgeting 130

Budgeting Budget Family Property Taxes 130

Family Balance Sheet

JANUARY 2, 2021

After 2019, I had a lot of hope for finding a word for 2020 but struggled to find one that was meaningful to me. After writing some financial goals that had a lot to do with researching topics, such as retirement and college savings strategies, I realized that maybe my word for 2020 was READ. Bring it, 2021!

Debt 130

Debt 2020 2019 Financial Goals 130

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. Shame on us for dragging our feet on this for too long.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

Family Balance Sheet

MARCH 9, 2018

I’ve been working behind the scenes on a tool that I personally use to track and organize our finances: Family Budget Spreadsheets. I found a lot of printable (pdf) budgets, but couldn’t find a spreadsheet that I liked. Actual Spending Log – Use this spreadsheet to enter your actual income and spending for each month.

Budgeting 160

Budgeting Budget Family Property Taxes 160

Family Balance Sheet

SEPTEMBER 2, 2022

I’m always looking for ways to save my family money to not only help us get through current higher food and gas prices but also to help us achieve our big financial goals. My plan is to use the sauce for pizza. My August Grocery Clearance finds: I found lots of tea marked down to about 90 cents a box.

August 130

August Frugal Green And Frugal Financial Goals 130

Family Balance Sheet

SEPTEMBER 17, 2021

In fact, it was one of my 2020 financial goals. Our Family Vital Info Binder contains all of our important-to-us info in one place and since I am the family office manager, my husband can use the binder to find anything he needs if I’m unavailable. IT WAS TIME WELL SPENT! The login to my Macbook.

Family 130

Family Financial Goals 2020 Insurance 130

Savings Corner

DECEMBER 24, 2023

They also help you set your personal financial goals to reach milestones. Your family, age, career, and priorities are all taken into account when crafting your financial goals, and a financial advisor helps you find out how to reach them. Keep in mind that goals change.

Financial Goals 40

Financial Goals Goals Real Estate Money 40

Family Balance Sheet

AUGUST 6, 2022

Our financial goals are still important to us and we want to hit them regardless of the rising prices. I have been doing my grocery shopping at a different GIANT store and I’m finding that they always have a lot of marked-down meat. We use the bacon fat in place of butter or oil for eggs and sauteed dishes.

July 130

July Frugal Credit Cards Donation 130

Prairie Eco-Thrifter

MARCH 24, 2013

what kind of emotional issues you have with money and what kind of financial education you received. The other is to find out what your ‘money personality’ is by rating your money use, acquisition and management tenancies as one of three states: Acquisition: Avoidant Secure Insatiable. Find your risk tolerance.

Financial Goals 222

Financial Goals Goals Money Real Estate 222

Family Balance Sheet

FEBRUARY 16, 2016

Follow these three action steps and the list of ideas below to find the cash for your fund. We use an online account like, Capital One 360 (my referral link). Now it’s time to FIND THE MONEY! 30 Ways to Find Money for your Emergency Fund. 9 – Find free entertainment. It is NOT a spending account.

Emergency Fund 100

Emergency Fund Money Finds Friends And Family Sale 100

Prairie Eco-Thrifter

AUGUST 25, 2014

We have bikes, so we like to get out and use those on the cooler, drier days. We usually find a park or a trail that we haven’t explored before and check it out. Not everybody finds this as fun and exciting as I do, but whether you find it fun it’s an important thing to do. Play a Sport or Get Active.

Financial Goals 213

Financial Goals Goals Budgeting Budget 213

Family Balance Sheet

OCTOBER 2, 2022

I’m always looking for ways to save my family money to help us get through current higher food and gas prices and achieve our big financial goals. I roasted them and put them in the freezer for future use. I use them in pasta sauce, soups, and in place of pumpkin in a lot of recipes. My Frugal Shenanigans!

September 130

September Frugal Plants Pop Tarts 130

Prairie Eco-Thrifter

MARCH 23, 2015

Find and study other ways of living, earning, learning and dreaming. Travel, find a mentor, volunteer in another area. What innate abilities can be put to use to help you start the path to wealth? Set your financial goals together and you both will be more likely to stick to them. Explore your talents.

Financial Goals 100

Financial Goals Emergency Fund Money Goals 100

Family Balance Sheet

JUNE 17, 2018

We used gift cards on 3 nights, ate leftovers on 1 night, and grilled burgers on the last night. One of the gift cards was given to us TWO years ago for Christmas. The restaurant isn’t exactly kid-friendly and we were waiting for the right time to use. These wristlets were never used. My Downsized Garden.

Home and Garden 100

Home and Garden Financial Goals Friends And Family Sale Gardening 100

Family Balance Sheet

JULY 9, 2014

When my husband and I wrote our Debt Freedom Plan earlier this year, we made a commitment to scrutinize our monthly expenses to find money to put towards our plan. We want to achieve our financial goals, but still enjoy life. We use the gym, so we’ve never felt like it was a waste of money. Gym Membership.

Grocery Spending 242

Grocery Spending Financial Goals January Budgeting 242

Penny Pinchin' Mom

MARCH 11, 2024

We know that saving for a rainy day isn’t just a phrase our grandparents used to throw around. 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.

Saving Money 52

Saving Money Money Saving Credit Cards 52

Family Balance Sheet

APRIL 1, 2015

We used the debt snowball technique to help build momentum. We cut up our credit cards and never used them again. I used to handle it, but today it’s a joint discussion. What are your financial goals now? Having a plan with our money gives us better choices in the future. We discuss money every day!

Debt 100

Debt Credit Cards Debt Free Credit 100

Family Balance Sheet

JULY 22, 2015

I cancelled my gym membership because I rarely used it. We combined our auto insurance policies since we had just got married which saved us a good chunk of money. We also used the cash envelope system for our variable expenses which helped keep us from overspending on categories like groceries and entertainment.

Debt 100

Debt Debt Free Finance Finds 100

Family Balance Sheet

OCTOBER 16, 2017

The spreadsheet listed our short-term and long-term account balances, our debts, and our short-term and long-term financial goals. I STILL use our spreadsheet today. We are working towards some pretty big financial goals and we’ve hit quite a few already. Our goal: Increase Net Worth.

Family 100

Family Financial Goals Debt Calculators 100

Family Balance Sheet

FEBRUARY 23, 2015

Our main financial goal in 2015 is to pay down our non-mortgage debt. Where can we find extra money? I have scrutinized our budget tirelessly and I really feel like there’s nothing more to cut, so my focus is turning to finding money to put towards debt. It is very un-Dave Ramsey-like but it works for us.

Debt 100

Debt January Money Financial Goals 100

Family Balance Sheet

APRIL 19, 2016

I sold old stuff I no longer used/wanted. No longer was I able to participate the way I used to so that caused a lot of stress. What are your financial goals now? The post Find out how Anna paid off $23,605 in college, personal loans, and credit cards. Highly recommend it! I created more income.

Credit Cards 100

Credit Cards Debt Free College Debt 100

Family Balance Sheet

JULY 13, 2016

Once we got crap in order, we just kept finding ways to make more money. It constantly encouraged us and reminded us of small things in Dave’s plan. Find stuff on the side of the road and sell it on craigslist or Facebook. Drew was the “spender” and used to buy tech toys, gadgets, etc. Increase investing.

Debt 100

Debt Debt Free Finds Home 100

Family Balance Sheet

JUNE 16, 2015

I ended up spending the remainder of my pregnancy using a cane. What are your financial goals now? But I would say the breaking point came in June of 2011 when I was in a car wreck. I was 22 weeks pregnant, and left with a leg injury and a mound of medical bills. I will say I am excited to take our kids places now.

Debt 100

Debt Debt Free Finds Goals 100

Family Balance Sheet

JULY 2, 2015

However, with my husband being an architect and an overall really handy guy, we decided that fixing up the house and selling it could give us enough profit to at least pay off a big chunk of our debt. It took us two years of my husband working full-time at his job and then using every other second to work on the house.

Student 100

Student Debt Debt Free Finds 100

Family Balance Sheet

FEBRUARY 19, 2022

It was a hard transition for me to go from being a major financial contributor in our marriage to staying at home with a baby and not bringing in a paycheck. If you get a chance, find this book at your library and read it, especially chapter 17. Create our family’s financial goals and Debt Freedom Plan.

Office 130

Office Family Finance Kids and Family 130

Family Balance Sheet

DECEMBER 2, 2016

It’s Frugal Friday: A recap of how we frugal-ed our way through the week so that we have more money to put towards our financial goals. What We Ate this Week: Sunday: Using leftover turkey & gravy, I made Turkey & Waffles , steamed vegetable. What bargains did you find? . Ebates is FREE and super easy to use.

Frugal 100

Frugal Fridays Leftovers Financial Goals 100

Family Balance Sheet

AUGUST 5, 2015

At first we did it anyway we could find! We saved any that we could from my husbands checks, we sold things from around the house on craigslist and ultimately we started taking everything we earned from our photography business which was a normal part of income for us and used it all on debt. What are your financial goals now?

Debt 100

Debt Debt Free Finds Finance 100

Prairie Eco-Thrifter

JULY 10, 2012

If you’ve ever wanted to find a way to make either activity enjoyable, I’ll share my secrets. I’d estimate that it’s the recipe 80% of Americans use, because it’s the one on the back of the Toll House chocolate chip bag. Yet for a few years I made the Toll House recipe, because that’s what everyone I talked to was using for a recipe.

Budgeting 213

Budgeting Budget Toll House Cooking 213

Family Balance Sheet

JULY 10, 2023

My goal has always been to live well on less while achieving our big financial goals. When my husband hung a smart TV in the sunroom back in April, we started spending more time in the room–even our teenage daughters started hanging out with us. Frugal living is not about deprivation.

Frugal 100

Frugal June Flights CD 100

Family Balance Sheet

OCTOBER 13, 2017

It’s a tight budget and I failed miserably recently, but we have lots of financial goals, so I need to get it back in line. Wednesday: I used the Instant Pot to make meatloaf and mashed potatoes. These posts will help: How to Save Money on Groceries WITHOUT Using Coupons. How I Use Pinterest for Meal Planning.

Budgeting 100

Budgeting Budget Leftovers Financial Goals 100

Penny Pinchin' Mom

FEBRUARY 16, 2024

It goes: 50% of your salary should go to your expenses and needs 30% should go towards what you want (a new car, a vacation, and all that) 20% should go towards your savings plan So, using this rule, 20% of everything you earn should go toward savings. Use In-Network ATMs Did you know that you could be losing as much as $5.00

Saving Money 52

Saving Money Money Saving Bills 52

Family Balance Sheet

AUGUST 21, 2020

My Excel spreadsheet listed our short-term and long-term account balances, our debts, and our short-term and long-term financial goals. I STILL use our spreadsheet today. To find the value of our home, I looked at what comparable homes in my neighborhood recently sold for. You could also use a recent appraisal.

Family 241

Family Debt Finance Kids and Family 241

Prairie Eco-Thrifter

JULY 28, 2014

I mastered the use of excel spreadsheets while monitoring every expense, I opened my first retirement account and bought my first shares of stock while feverishly reading through Investing for Dummies , I began checking all of my accounts, every day to ensure that any and all charges were correct and accounted for… and I loved it.

Hobby 189

Hobby Money Making Goals 189

Prairie Eco-Thrifter

SEPTEMBER 4, 2011

Many parents are finding it hard to control their finances and stretch their wallet these days more than ever. Many people are still trapped in debts and financial insufficiency due to the wrong formula or mindset they’ve been following ever since they got employed. Rather, you must use this formula: INCOME–SAVINGS = EXPENSES.

Family 196

Family Financial Goals Debt Goals 196

Savings Corner

DECEMBER 24, 2023

Bankrate’s AdvisorMatch can connect you to a CFP® professional to help you achieve your financial goals. Here’s what financial planning is all about and what you need to know to get started. What is a financial plan? These are some of the largest issues when it comes to financial planning.

Goals 52

Goals Debt Taxes Insurance 52

Prairie Eco-Thrifter

JULY 11, 2013

I have long days working all day and then going to class at night; Not to mention I have to find time to study and get homework done. Are you struggling to find motivation with your financial goals? Using Kids Crafts to Teach the Gift of Giving. My week, just like last week has been a blur.

Fridays 189

Fridays Debt Gas Mileage Financial Goals 189