Family Balance Sheet

JANUARY 2, 2013

Unless it's paid with cash, that is one hefty credit card bill come January. a stressful January and beyond. We have to plan and save for it. On the 25th of every month from January to November, I'll be holding a viral meeting for the Christmas Savings Club , a monthly accountability to help us save for a cash Christmas.

2013 113

2013 Christmas Club January 113

Family Balance Sheet

MAY 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.

Club 100

Club Christmas May Goals 100

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

Family Balance Sheet

JUNE 4, 2021

This money was put into my Christmas Savings account. January 2021 – I found $1681. This money reflected my earnings from the first quarter of 2021. I made quite a bit more from the 4th quarter of 2020 where I do most of my Christmas shopping. Related Reading: Rakuten Review: How I Earn Cash Back on Online Purchases.

Money 130

Money May Donation 2020 130

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. How did YOU 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. How Are You Doing?

March 100

March Club Christmas Goals 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

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, 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

Prairie Eco-Thrifter

JANUARY 19, 2014

I’m going to do a no drinking January – not even a glass of wine at dinner – to help my body restore it’s ability to properly function on the important things. I have not put a dime into my savings accounts for over a month. Media Detox. This has demotivated me big time. Financial Detox.

Holiday 189

Holiday Food and Wine Wine Food and Drink 189

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

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.

Christmas 138

Christmas 2011 Bills Credit Cards 138

Teresa's Deals

SEPTEMBER 2, 2015

Save your change (coins) through out the year – Starting in January every year, we always take all of our change and save them and then when it’s almost the end of the year, we roll all of it and cash it in at the bank. You can set any amount that you want depending on what you think you will need.

Saving Money 100

Saving Money Money Christmas Saving 100

Family Balance Sheet

SEPTEMBER 13, 2017

It was effective on January 1, 2017 and to be honest, I didn’t think I would have much to say about it through out the year. Our monthly share (think: a premium) started at $343 in January. However, due to depleting the $10k we had set aside, we must now build our savings for future medical bills. IT BLOWS ME AWAY!!**.

2017 100

2017 Health Insurance September Insurance 100

Saving With Shellie

NOVEMBER 29, 2013

Your $125 bonus will be automatically deposited into your account on day 50. Bonus only available for new Capital One 360 checking accounts. That means (if you sign up today) you have until January 12 to make your purchases and you will get the money on January 17. It’s free to open them and easy to manage.

Emergency Fund 68

Emergency Fund January Credit Cards Sonic 68

Prairie Eco-Thrifter

DECEMBER 1, 2014

If you don’t feel comfortable sharing actual numbers like, “I’ll save $2,400 this year,” you can still be accountable publicly by changing the wording to “I’ll save 5% of my annual salary this year.” A year’s worth of financial goals staring at you on January 1st can be daunting.

Goals 209

Goals Financial Goals December Motivation 209

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

For the Mommas

NOVEMBER 30, 2016

Maybe even use to start up a 2017 holiday savings account. 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. I use it to treat myself, but you can use it however you wish. Do you use any other cash back sites?

Holiday 40

Holiday Shopping Credit Cards 2017 40

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

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.

Office Supplies 153

Office Supplies Taxes Office Simple 153

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. Start Additional Savings Accounts. Our 2019 Financial Goal. 10 – Pay Off Mortgage Debt. .

Debt 100

Debt 2019 Financial Goals Emergency Fund 100

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

For the Mommas

OCTOBER 13, 2016

Maybe even use to start up a 2017 holiday savings account. 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. I use it to treat myself, but you can use it however you wish. Do you use any other cash back sites?

Holiday 40

Holiday Shopping Credit Cards 2017 40

Saving Everyday

APRIL 24, 2012

Starting January 2012, we set up an automatic withdraw to a new “vacation savings account” of $25 a week. Having the ”vacation savings account” is like a back-up plan so we don’t feel strapped while we’re there. Here is the breakdown: Rebate Checks = $27.50.

March 86

March Disney Friends And Family Sale Vacation 86

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? Lose Weight? Pay off Debt? Give up Caffeine (gasp!)? Start small – and if you mess up, that is OK!

Goals 55

Goals Pay Off Debt January Gardening 55

Saving Everyday

MAY 11, 2013

Back in January 2012, we set up an automatic withdraw to a new “vacation savings account” of $25 a week. Having the “vacation savings account” is like a back-up plan so we don’t feel strapped while we’re there.

Disney 40

Disney April Gift Cards Re-use 40

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 Everyday

APRIL 12, 2013

Back in January 2012, we set up an automatic withdraw to a new “vacation savings account” of $25 a week. Having the “vacation savings account” is like a back-up plan so we don’t feel strapped while we’re there.

Disney 69

Disney March Gift Cards Ebates 69

Finally Frugal

JANUARY 8, 2011

The first suggestion is a great one (because I've already put it into practice with my first January paycheck!) This may be especially useful for those of us who - whether currently or in our spendthrift past - may be likely to fritter that money away as soon as it shows up in our paychecks.

Frugal 45

Frugal Spendthrift Debt Recession 45

Family Balance Sheet

FEBRUARY 9, 2018

We started using it in January 2017 and I wrote all about it, so I won’t rehash it all here. As soon as she was able, she caught up with her school work, and was on track when she returned to school on January 2. We had high deductible health plans from 2004 – 2016 and contributed many years to a health savings account.

Health Insurance 113

Health Insurance Insurance 2017 Bills 113

Saving Everyday

JULY 13, 2012

This is the first year I started a Disney/vacation savings account of $25 a week. I started a $25/week “vacation fund” the first week of January. Seeing it any time you login to your account would be a constant reminder. I did this because I wanted to have a cushion in case we ever came up short.

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. We sought the advice of many friends and the general consensus was that going through an attorney would be to our benefit.

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

MARCH 17, 2017

The new monthly payment would have left us ‘insurance poor’ On top of that bombshell discovery, we realized the insurance plans that were being offered to us were NOT compatible with a health savings account, a tax deductible savings vehicle offered to those with high deductible health plans.

Health Insurance 164

Health Insurance Insurance Health Bills 164