The Frugal Girl

JANUARY 9, 2024

Certainly, we’ll never be able to beat Walmart prices but our quality isn’t Walmart level either so that makes sense! At this point, I don’t even think about seeking out new items, buying second-hand is just second nature. I use a grain mill to grind grain for our sourdough bread.

Oregon 190

Oregon Home and Garden Kids and Family Money 190

Prairie Eco-Thrifter

NOVEMBER 18, 2012

At one point or another, every homeowner eventually decides they want to either add something to their home, or renovate it one way or another. But if your family might very well move out in five to ten years anyway, then the question becomes a different one altogether: should you renovate or simply get a new home right off the bat?

Renovation 189

Renovation Home Work From Home Repairs 189

Family Balance Sheet

APRIL 9, 2021

He makes it really simple and you should Google it if you haven’t heard of his steps. The point of the starter emergency fund is to get you through until you pay off your non-mortgage debts, at which point, you build a more extensive fund. His suggestions were a good starting point, but we came up with our own number.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Saving Everyday

SEPTEMBER 12, 2022

The first thing I do every morning is make coffee, sit down at my desk, open my budget spreadsheet, log into the bank, and enter anything that came out overnight plus what we spent the previous day. Don’t make the mistake of thinking small savings don’t matter. I make a point to stop in regularly, as inventory changes quickly.

Saving Money 52

Saving Money Money Saving Bills 52

Savings Corner

APRIL 4, 2024

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. This increases your mortgage debt but gives you money that you can invest or use to fund a goal, like a home improvement project.

Refinancing 52

Refinancing Work Debt Financial Goals 52

Savings Corner

DECEMBER 27, 2023

Pros and cons of personal loans for bad credit A bad-credit loan can help you get through an emergency, consolidate other high-interest debt or make necessary home repairs, but consumers with poor credit frequently get the highest personal loan APRs and fees. Your co-applicant must make the loan payments if you fail to.

Credit 52

Credit January Debt Credit Cards 52