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A Goal Without a Plan is Just a Wish

Family Balance Sheet

My husband and I are self-employed and own a chiropractic office where he is the chiropractor and I am the business manager. After renting an office for 12 years, we had nothing to show for it and the space was starting to feel a bit cramped. However a few years ago, we found ourselves with too much debt and not enough cash.

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How to Start a Business in 15 Steps

Savings Corner

And if you’re renovating a space to sell products or perform services, you may need to ask local officials for a zoning change. Apply for licenses and permits In general, restaurants need health inspections and liquor licenses. Hair stylists need cosmetology licenses.

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Update #1: Our Debt Freedom Plan

Family Balance Sheet

The server in our office is about 10 years old and has reached capacity. We also have some renovations and equipment that cannot wait and we need to cash flow. Our current amount is enough where I sleep much more soundly at night. We are now on to our third step: Cash flow necessary business expenses. Unfortunately they’re not cheap.

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5 Lessons Learned When Our Finances Went Awry

Family Balance Sheet

Our small business was going well and we said so long to renting office space and purchased a commercial property. But in August 2013, our business softened, renovations to our new building were more costly than planned, and we were now the owners of two mortgages, our home and our business. Yep, life was good.

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Best Mortgage Refinance Lenders In 2024

Savings Corner

Images by Getty Images; Illustration by Hunter Newton/Bankrate Although interest rates aren’t as favorable as they were in recent years, refinancing might make sense for homeowners who want to pull out cash to renovate their homes. Based on those benchmarks, here is our guide to the best mortgage refinance lenders in 2024.

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How our Debt Freedom Plan Prepared Us for the Pandemic

Family Balance Sheet

As the Family Office Manager , I handle the day-to-day finances for our family and I needed a way to communicate our finances to my husband. Our small business was going well, so we said so long to renting office space and purchased a commercial property in the summer of 2012. I still use my spreadsheet to this day! Storm #2: 2013.

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3 Tips for Getting Rid of Clutter and Organizing Your Home

Prairie Eco-Thrifter

De-cluttering my office is usually a two-day affair by the time I get around to it. Sell Your Home Faster With These Cheap Ideas How to Simplify Your Life to Make it Better Easy and Inexpensive Ways to Revamp Your Home for the… Cheap Ways To Renovate Your Home Three Reasons I Prefer Experiences to Things. Get Organized'

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