Family Balance Sheet

OCTOBER 18, 2019

To ease my anxiety about our new loans, we took the Financial Peace University home course and it changed how we thought about debt. From what we learned in the course, we wrote our Debt Freedom Plan. Our Debt Freedom Plan (October 2019 Update): Exact numbers have been omitted at this time.

Debt 100

Debt 2019 Financial Goals Emergency Fund 100

Family Balance Sheet

JUNE 22, 2020

Our business was doing very well, and we were excited about the opportunity to own a property outside of our home. After the first year, the new business debt weighed on me. How We Paid off Six Figures on Non-Mortgage Debt: Our non-mortgage debt was in the six figures when we wrote Our Debt Freedom plan and included 5 loans.

Debt 130

Debt Health Insurance Insurance Budgeting 130

Family Balance Sheet

SEPTEMBER 9, 2014

Welcome to Debt Free Stories. She and her husband paid off $147,000 in debt–including their home. After paying off the debt, she was able to quit her job to pursue her passion. She blogs at The Debt Myth. But it wasn’t a decade of nothing but paying off debt.

Debt 236

Debt Debt Free Pay Off Debt Financial Goals 236

Family Balance Sheet

NOVEMBER 5, 2014

We put any extra money that would come in toward our debt. What are your top 3 – 5 tips for saving money/pinching pennies to put towards paying off your debt. Make paying off debt a priority. If you’re going to get serious about becoming debt free, you have to make that your first priority.

Debt Free 241

Debt Free Debt Emergency Fund Finance 241

Family Balance Sheet

FEBRUARY 3, 2016

However, since paying off our debt, I have become a much bigger fan of the baby steps laid out by Dave Ramsey and really see the wisdom in paying off debt in that fashion. What are the top 3 – 5 ways you found money to put towards debt. I initiated paying off the debt.

Debt 100

Debt Debt Free College Finds 100

Prairie Eco-Thrifter

JUNE 6, 2013

My friend Jackie over at The Debt Myth has created a Pay Off Debt App which I think is very cool. She has lived the journey of being sunken in debt and then freeing herself and now she is trying to help others do the same with her new app. Summer has arrived here and I have to say that I am loving it.

Debt 145

Debt Fridays Win Green And Frugal 145

Prairie Eco-Thrifter

MAY 1, 2013

If you are buying a home, start with the 30% rule, and then evaluate where that puts you in terms of finances. If you bring home $4,500 each month, are you truly comfortable with putting $1,350 of it toward a mortgage payment? And what happens when you add in property taxes, utility, home insurance, and maintenance?

Life Insurance 213

Life Insurance Insurance Debt Property Taxes 213

Savings Corner

DECEMBER 24, 2023

Common reasons include paying off debt, financing a large purchase such as a vehicle or a boat, or covering the cost of a major expense like a wedding or a home renovation. Instead of putting down cash as collateral, you may be able to use other assets, such as a home, boat or car.

Debt 52

Debt Credit Cards Credit College Tuition 52

Family Balance Sheet

APRIL 2, 2022

Include everything from weekend trips to longer vacations, yard/garden projects, home renovations, kids’ camps, gear and clothing, and any other summer expense you might have. Or, we could pay the daily per person rate of $8-$9 (weekday) or the weekend day rate of $12-$13. Fun @ Home: Host a backyard S’mores party.

Budgeting 130

Budgeting Budget Friends And Family Sale Home and Garden 130

Family Balance Sheet

NOVEMBER 19, 2014

San Antonio, Texas is our home when we aren’t traveling the world. What are the top 3 – 5 ways you found money to put towards debt. Daniel took on an extra job doing support work for an online company that he could do from home. We ate at home a lot and watched our food budget carefully. Paying off debt can be done!

Debt 245

Debt Debt Free Finance Friends And Family Sale 245

Savings Corner

DECEMBER 27, 2023

Lenders primarily use your financial and credit information to determine your rate, but may consider additional information like whether you own your home, your education level and your employer. Home improvement : Need to add on a home office or install a swimming pool? Compare any loan with interest-free options.

Debt 40

Debt Home Improvement Consumer Credit 40

Family Balance Sheet

AUGUST 5, 2015

I am a stay at home mom to 3 kiddos and a cockapoo named Otis. We live a pretty busy lives and when given free weekends at home we love spending time at home on our little farm. How much debt did you pay off? What kind of debt was it? Total, we paid off $175K in 2 years!! 130K in mortgage debt.

Debt 100

Debt Debt Free Finds Finance 100

Family Balance Sheet

JUNE 2, 2016

To go for a meal out, or grab take-out on the way home. Take the time to enjoy a good book (on loan from the library) or go for a hike or bake a meal at home from scratch. In general though, the process of paying off debt has taught me a lot of things, and its a lifestyle I continue to this day. Yes, but not yet!

Debt 100

Debt Finds Debt Free Pay Off Debt 100

Family Balance Sheet

JUNE 16, 2015

I am a stay at home mom and freelance marketer and my husband works in the construction industry. How much debt did you pay off? The fear of losing my baby led to the desire for me to be a stay at home mom, but I knew that would never work if we were in such debt. To pay off our home early.

Debt 100

Debt Debt Free Finds Goals 100

Prairie Eco-Thrifter

SEPTEMBER 26, 2012

Keep Your Goals in Mind When your income increases or expenses drastically decrease (like when you pay off debt), keep your goals in mind. Why were you working so hard toward making more money or decreasing your debt? Maybe you wanted to transition into home ownership. Likely, there was a reason.

Debt 189

Debt Goals Money Bills 189

Family Balance Sheet

APRIL 9, 2021

Stressed out, we ventured into Dave Ramsey’s online Financial Peace University home course for help. Prior to FPU, we thought we were doing well financially and never considered that we had too much debt. But $1000 was not nearly enough money to cover sudden emergencies in both our home and business. Paying off debt is not fun.

Debt 130

Debt Emergency Fund 2019 Debt Free 130

Family Balance Sheet

JUNE 8, 2018

I came up with strategies to help us pay for yearly bills, large expenses, and we were able to pay off debts. I discovered the term, Zero-Based Budget, when my husband and I took Dave Ramsey’s Financial Peace University home course many years ago. During that time, I started to budget for everything.

Budgeting 133

Budgeting Budget Financial Goals Goals 133

Family Balance Sheet

JANUARY 7, 2015

I’m a stay-at-home homeschooling mom to Annie (5), Andy (2), and Eli (2 months). How much debt did you pay off? What kind of debt was it? We paid off $20,000 in about 8 months. That was the remaining balance on our home. We were debt free before I was 30 , including our home.

Debt Free 100

Debt Free Debt Budgeting Budget 100

Saving Cents With Sense

JANUARY 1, 2016

I know many of you are in similar situations of needed to save, but wanting to pay off debt, and eventually be able to put money in savings. Through lay offs, new jobs, new schools, illness, and everything else involved with a family, we have had our ups and downs. Make a list (with coupons of course!)

Saving Money 40

Saving Money 2016 Money Pay Off Debt 40

Family Balance Sheet

SEPTEMBER 29, 2016

Other than the student loans, everything else was consumer debt from 13 years of trying to “keep up with the Jones’ “ We finally managed to get the debt paid off two years and two weeks from the time we started this journey. What inspired you to become debt free? Was there a particular event?

Debt 100

Debt Debt Free Budgeting Budget 100

Family Balance Sheet

APRIL 12, 2016

How my grandparents paid off $55,000 of their home mortgage in one year. Did you follow a particular debt freedom plan or book, such as Dave Ramsey or Debt-Proof Living? And I cut back on lifestyle – cooking food at home, taking the bus to work vs driving and paying for parking, etc.

Credit Cards 100

Credit Cards Debt Debt Free Student 100

Family Balance Sheet

DECEMBER 10, 2014

I got tired of being left at home because I had a day job, so now we get to travel together and create our own adventures. After my first marriage fell apart, I ended up with over $14,000 of consumer debt, made up of a car loan and credit cards. What inspired you to get debt free? Was there a particular event?

Debt 227

Debt Debt Free Financial Goals Goals 227

For the Mommas

JULY 24, 2016

You can use the difference in income to pay off debt, save or invest. Find all kinds of fun activities you can do at home. 20 Tips for Frugal Living. Living frugally allows you to not only spend less than what you earn, but also allows you to earn less. You have more options with a frugal lifestyle.

Frugal Lives 49

Frugal Lives Frugal Living Frugal Magazine and Newspaper Subscriptions 49

Family Balance Sheet

AUGUST 4, 2014

When Jon and I were married, we acknowledged that high paying careers were not on the docket for us, knowing that we wanted to have both comfortable and generous lives we decided that we would have to be incredibly diligent with our resources. The first step in this diligence was paying off debt.

Debt Free 243

Debt Free Debt Goals Student 243

Family Balance Sheet

AUGUST 11, 2016

We charted out our course of action to pay off debts and start saving for retirement. At the time, I wasn’t sure how we were going to pay our monthly bills, so future plans like funding our retirement, our daughters’ college education, or a lavish vacation were not on my mind. Write these dreams down on paper.

Emergency Fund 100

Emergency Fund Money Finance Debt 100

Family Balance Sheet

JULY 2, 2015

We sold the majority of our possessions and now our family of 5 lives in a two bedroom apartment in the city as opposed to our much, much larger home in the suburbs. What inspired you to get debt free? We have been given money ourselves during our process of paying off debt and try to remain grateful and giving.

Student 100

Student Debt Debt Free Finds 100

Prairie Eco-Thrifter

JULY 4, 2011

A plan B is a must in any home. Often times, home buyers may not be aware that free money for a down payment on a house is still available for qualified buyers. Pat S from compounding returns asks Pay Off Debt or Invest for The Future ? I have unfortunately gone down this road in the past and learnt my lesson.

Personal Finance 240

Personal Finance Finance Family Debt 240

Prairie Eco-Thrifter

JANUARY 6, 2011

Instead pack a lunch and cook some simple meals at home for dinner. This savings can be directly applied towards your smaller debts such as credit and store cards in order to clear them more quickly. See where you can make cutbacks. Look at cutting back on little luxuries such as eating out at lunch each day or in the evenings.

Debt 113

Debt Finance Pay Off Debt Credit 113

Family Balance Sheet

JANUARY 20, 2017

our home with a GREAT interest rate so we are okay with it. debts one by one. Who handles the day-to-day finances in your home or do you work on it. I do the actual bill-paying but we both know how much goes out and when, and how much is left in our account until payday. you are debt free? The biggest.

Debt 100

Debt Debt Free Friends And Family Sale Budgeting 100

Prairie Eco-Thrifter

OCTOBER 15, 2011

Our Journey To Zero: Get To Know Old People and Save Money Great deals can be found in the most surprising of places, like from old people and funeral homes. Fat Guy, Skinny Wallet: That Pizza Was Tempting, But We’d Rather Pay Off Debt His wife and him were tempted to be undisciplined and order pizza for dinner the other day.

October 200

October 2011 Finance Personal Finance 200