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Family Budget Spreadsheets 2021

Family Balance Sheet

Saving more money is one of the top resolutions that people make…after getting in shape and eating healthier. 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. Are you ready for a fresh start? This is a 12-month spreadsheet.

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Mortgage Refinancing: What Is It And How Does It Work?

Savings Corner

To refinance a mortgage, you’ll pay between 2 and 5 percent of the loan amount in closing costs, so if you’re refinancing to save money, you’ll need to calculate your break-even point. Here’s how refinancing a mortgage works, the common options available to you and pros and cons to consider. How does refinancing work?

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Buying A House In 2023: A Step-By-Step Guide

Savings Corner

Get started: Define your personal and financial goals. Buyers should think about things like when they intend on moving and what they want in a home — amenities, ideal location and how long it could take them to save for a down payment,” says Edwence Georges, a real estate agent with RE/MAX in Westfield, New Jersey.

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Meet a Reader | Mary from Reflections Around the Campfire

The Frugal Girl

How did you get interested in saving money? I learned to save money by watching my parents. (I I still remember saving my change as a kid so I could “shop” for books at yard sales.) Our mom stayed home to raise us kids; she went to work part-time in the local school system after both my brother and I were in school.

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

Family Balance Sheet

Personally, budgeting has allowed us to control of our money, reach financial goals, and start planning for our dream life. You can’t cut back on your rent or mortgage payment, but you can find ways to save money on your groceries. If you have financial goals, budgeting will be an important tool to reaching those goals.

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How We Paid off Six Figures of Debt

Family Balance Sheet

In September 2019, my husband and I accomplished our biggest financial goal in our almost 20 years of marriage. As part of his baby steps, he does not advocate contributing to retirement until after you’ve paid off non-mortgage debts and saved 3-6 months of expenses in an emergency fund. Health Sharing Ministry.

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