Family Balance Sheet

MAY 25, 2019

Welcome to the 2019 Christmas Savings Club. The club is open to anyone who wants monthly accountability to save for a cash Christmas. I had amassed $70 and thought it was a perfect addition to our Christmas account. In April, we received a small tax refund and I put $100 of our refund into our Christmas Savings account.

2019 100

2019 Club Christmas May 100

Family Balance Sheet

JULY 25, 2019

Welcome to the 2019 Christmas Savings Club. The club is open to anyone who wants monthly accountability to save for a cash Christmas. I had amassed $70 and thought it was a perfect addition to our Christmas account. In April, we received a small tax refund and I put $100 of our refund into our Christmas Savings account.

2019 113

2019 Club July Christmas 113

Saving With Shellie

NOVEMBER 29, 2013

Capital One 360 (formerly ING) has brought back their FREE cash offer. This is my favorite Black Friday deal every year because who doesn’t need free cash this time of year!? Get $100 in free money , simply by opening a completely free checking account. How to Get Your FREE $125. Easy Peasy.

Emergency Fund 68

Emergency Fund January Credit Cards Sonic 68

Family Balance Sheet

APRIL 25, 2013

On the 25th of every month from January to November in 2013, I''m holding a virtual meeting for the Christmas Savings Club. The goal for this monthly accountability meeting is to give updates on our progress, motivate one another and help all of us save for a cash Christmas. On with the meeting. How did I do in April?

April 100

April Club Christmas Goals 100

Family Balance Sheet

MARCH 25, 2013

On the 25th of every month from January to November in 2013, I'm holding a virtual meeting for the Christmas Savings Club. The goal for this monthly accountability meeting is to give updates on our progress, motivate one another and help all of us save for a cash Christmas. Also let us know how you saved the money.

March 100

March Club Christmas Goals 100

Family Balance Sheet

JULY 25, 2013

On the 25th of every month from January to November in 2013, I''m holding a virtual meeting for the Christmas Savings Club. The goal for this monthly accountability meeting is to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. Happy 5 months til Christmas!

Club 100

Club Christmas July August 100

Family Balance Sheet

JUNE 25, 2011

We usually use a credit card to buy our Christmas gifts and then pay the balance off in January. This past January, I looked at what we spent on Christmas gifts in 2010 and reduced it by 20%. It was a great strategy that first month, but I haven't been diligent enough to transfer the money to our savings account.

Christmas 157

Christmas Credit Cards January Budgeting 157

Family Balance Sheet

JUNE 25, 2019

Welcome to the 2019 Christmas Savings Club. The club is open to anyone who wants monthly accountability to save for a cash Christmas. I had amassed $70 and thought it was a perfect addition to our Christmas account. In April, we received a small tax refund and I put $100 of our refund into our Christmas Savings account.

2019 100

2019 June Club Christmas 100

Family Balance Sheet

APRIL 25, 2019

Welcome to the 2019 Christmas Savings Club. The club is open to anyone who wants monthly accountability to save for a cash Christmas. We received a small tax refund and as soon as the money hit our checking account, I transferred $100 to our Christmas Savings Account. My monthly goal is $100. Easy peasy!

2019 100

2019 April Club Christmas 100

Family Balance Sheet

JANUARY 11, 2011

As an experiment, I switched to cash in 3 categories : groceries, dining out and clothing on January 1st. I then divided that new number by 12 and that is the dollar amount that I am going to transfer to a savings account every month. I have now decided to add gift giving to the list of cash categories. It is only 347 days away.

Christmas 138

Christmas 2011 Bills Credit Cards 138

Family Balance Sheet

AUGUST 30, 2014

On the 30th of each month, between January and November in 2014 , we will meet here to discuss our challenges and successes for the month with our grocery budget. We have some upcoming expenses that will be taking a bite out of our savings accounts this fall, so I will be more committed with our grocery budget. February Meeting.

Budgeting 100

Budgeting Budget Groceries Grocery 100

Family Balance Sheet

SEPTEMBER 25, 2019

Welcome to the 2019 Christmas Savings Club. The club is open to anyone who wants monthly accountability to save for a cash Christmas. I had amassed $70 and thought it was a perfect addition to our Christmas account. In April, we received a small tax refund and I put $100 of our refund into our Christmas Savings account.

2019 100

2019 September Club August 100

Family Balance Sheet

OCTOBER 25, 2019

Welcome to the 2019 Christmas Savings Club. The club is open to anyone who wants monthly accountability to save for a cash Christmas. I had amassed $70 and thought it was a perfect addition to our Christmas account. In April, we received a small tax refund and I put $100 of our refund into our Christmas Savings account.

2019 100

2019 October Club Christmas 100

Family Balance Sheet

AUGUST 28, 2013

On the 25th of every month from January to November in 2013, I''m holding a virtual meeting for the Christmas Savings Club. The goal for this monthly accountability meeting is to give updates on our progress, motivate one another, and help all of us save for a cash Christmas. Happy 4 months til Christmas!

August 100

August Club Christmas Goals 100

For the Mommas

NOVEMBER 30, 2016

Maybe even use to start up a 2017 holiday savings account. Here are the main sites I use for cash back: Ebates – Get a free $10 gift card just for signing up. Sign up now before you start your holiday shopping and reap the rewards in January! Last year, I accumulated over $400 cash back from my holiday shopping.

Holiday 40

Holiday Shopping Credit Cards 2017 40

Family Balance Sheet

OCTOBER 18, 2019

Happy New Year’s 2019: In January 2019, we were down to one final non-mortgage loan, so we created just one financial goal for the year—-to pay off that last non-mortgage debt by December. I just started reading the book, LAUNCH: How to Get Your Kids Through College Debt-Free and Into Jobs They Love Afterward.

Debt 100

Debt 2019 Financial Goals Emergency Fund 100

Family Balance Sheet

JANUARY 24, 2012

I keep our paper work organized and QuickBooks updated through out the year, so that when January rolls around, I only need to pull together the year end statements as they arrive in the mail. I do pass this folder along to my accountant for his review. In all honesty, tax season goes fairly smoothly for us. Thanks for reading.

Office Supplies 153

Office Supplies Taxes Office Simple 153

For the Mommas

OCTOBER 13, 2016

I generally do it for free too! Maybe even use to start up a 2017 holiday savings account. Here are the main sites I use for cash back: Ebates – Get a free $10 gift card just for signing up. Sign up now before you start your holiday shopping and reap the rewards in January! I do a lot of my shopping on-line.

Holiday 40

Holiday Shopping Credit Cards 2017 40

Family Balance Sheet

AUGUST 11, 2016

.” Recently Go Banking Rates conducted two studies on savings rates with startling results. Almost 70% of Generation X have less than $1000 in personal savings account. *. of Generation X report a retirement savings account balance of $0.**. of Gen X report they have saves less than $10,000 for retirement.**.

Emergency Fund 100

Emergency Fund Money Finance Debt 100

Saving Everyday

APRIL 24, 2012

Starting January 2012, we set up an automatic withdraw to a new “vacation savings account” of $25 a week. In years past, my goal each year was to pay for our trips entirely with ”free” money! Buy everything you can online so you get FREE cash back for your purchases.

March 86

March Disney Friends And Family Sale Vacation 86

Family Balance Sheet

APRIL 1, 2021

Now that we’ve paid off six figures of non-mortgage debt , we are working on saving 6 months’ expenses and maybe even more. Consider setting the money aside in a savings account that isn’t immediately accessible and doesn’t have an ATM attached to it This will help to avoid any impulsive non-emergency spending.

Emergency Fund 130

Emergency Fund Money Finds Friends And Family Sale 130

Saving Cents With Sense

JANUARY 18, 2012

I know we are half way through January, and many of you may already be giving up on your New Year’s Resolutions, but I wanted to encourage you to keep reaching for those goals you set. Did you want to save more money this year? ©2009-11 Saving Cents with Sense ™, a website of Saving Sense Media LLC. Lose Weight?

Goals 55

Goals Pay Off Debt January Gardening 55

Saving Everyday

APRIL 12, 2013

I have been with them for a couple of years and have cashed out for countless free Disney gift cards. free money! Buy everything you can online so you get FREE cash back for your purchases. It’s free money and I usually get a better deal online anyway. Sign up HERE and get a FREE $10 gift card or $5 bonus!

Disney 69

Disney March Gift Cards Ebates 69

Saving Everyday

MAY 11, 2013

When you buy the item specified, SavingStar will pay you cold hard cash…it’s FREE money! 52-Week Money Saving Challenge = $80.00. It’s a quick and easy way to save a minimum of $1378 this year! Back in January 2012, we set up an automatic withdraw to a new “vacation savings account” of $25 a week.

Disney 40

Disney April Gift Cards Re-use 40

Saving Everyday

JULY 13, 2012

A few years ago, I made it my personal obsession goal to see if I could completely pay for our Disney trips with “free money” and I’ve accomplished that goal every year but once (I was only a couple hundred dollars short). This is the first year I started a Disney/vacation savings account of $25 a week.

Disney 83

Disney Hotel Goals Money 83

Family Balance Sheet

JANUARY 17, 2018

I have started calling around for fees and hope to have this complete by end of January. 2 – Save $10k in a savings account, specifically earmarked for medical expenses. Related reading: Get a FREE Family Balance Sheet Excel spreadsheet. 5 Steps to Crush Debt + a FREE Debt Payoff Tracker.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

Coupons Do Work

JUNE 15, 2016

The Best Time to Buy Anything During the Year from January to December. What you can save on, what to expect to go on sale, each month, a list of awesome things to stock up on for the entire year ! … This is a way to plan your purchases by month for the entire year and a great way to budget and save money! The best guide

Flowers and Plants 100

Flowers and Plants Cinco De Mayo Buy Buying 100

Family Balance Sheet

FEBRUARY 25, 2013

On the 25th of every month from January to November in 2012, I'm holding a viral meeting for the Christmas Savings Club. The goal for this monthly accountability meeting is to give updates on our progress, motivate one another and help all of us save for a cash Christmas. Also let us know how you saved the money.

February 100

February Club Christmas Goals 100