Family Balance Sheet

JUNE 4, 2015

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.

Goals 100

Goals Debt Renovation Daughter 100

Family Balance Sheet

SEPTEMBER 14, 2011

And I still use a filing cabinet for my office papers, instead of scanning them onto the computer. Major Category: Insurance - My sub-files are Auto, Health, Health Savings Account, Home-Owners, Life. I still prefer a paper day planner over my google calendar. I prefer to read paper books over our e-reader.

Paper 147

Paper Organic Organization Home Improvement 147

Coupons Do Work

SEPTEMBER 15, 2016

Checking Accounts. University credit unions often offer free checking and savings accounts without any monthly fees to students. By setting up your checking account at your local credit union, you can be in your way to building a strong financial foundation and be eligible for a line of credit in the near future.

Student 100

Student College Freebies Insurance 100

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

Family Balance Sheet

OCTOBER 18, 2019

The journey started in 2012 when we bought an office building for our business and then found ourselves with a lot of debt and not enough cash flow. We ran the numbers of the purchase and they looked great on paper, but paper doesn’t account for a new server, a roof leak, unexpected medical bills, and other calamities.

Debt 100

Debt 2019 Financial Goals Emergency Fund 100

Prairie Eco-Thrifter

MAY 12, 2013

I moved the furniture around; I had left it the same as when I took over this office and had never really been comfortable. I kept one checking account as the working account and had my salary paid automatically into it. I tell you, I felt so great after I had finished; like a huge weight was gone from my head and shoulders.

Making 238

Making Work Occasions Pace 238

Savings Corner

DECEMBER 27, 2023

Home improvement : Need to add on a home office or install a swimming pool? Using a car, savings account or other asset as collateral may get you a lower rate. Use a personal loan to cover the costs. Large expenses: You can use a personal loan to buy a boat , RV or other items with large price tags.

Debt 40

Debt Home Improvement Consumer Credit 40

Prairie Eco-Thrifter

SEPTEMBER 28, 2014

One of the first things that I implemented, when I decided that I needed to save more, was opening up a savings account (in my case, a TFSA which is now an investment account) that I could transfer all of my extra income into. I put $25 per paycheck into my savings account every second Friday.

Building 225

Building Emergency Fund Money Savings Account 225

Savings Corner

DECEMBER 27, 2023

In the video below, learn more about how investing harnesses the power of compound interest, and differs from saving. High-yield savings accounts Online savings accounts and cash management accounts provide higher rates of return than you’ll get in a traditional bank savings or checking account.

Real Estate 52

Real Estate Bank Banking Money 52

Saving Everyday

AUGUST 1, 2011

Office Works #2 Pencils 10 pk $0.50. On a 10 for $10 sale, you can just buy one item and still get it for $1.00, same on 2/$5, 4/$10, etc… Load digital coupons via Upromise – Savings come off at the register & go into a savings account. The savings will come off your total automatically at the register.

General Mills 51

General Mills Kroger Betty Crocker 2011 51

Family Balance Sheet

JANUARY 17, 2018

2 – Save $10k in a savings account, specifically earmarked for medical expenses. We blew through our health savings account, and now need to save another $10k so we’re not caught off guard if another emergency were to happen. This will take us most of the year.

Financial Goals 113

Financial Goals Goals 2018 Debt 113

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

Saving Everyday

APRIL 23, 2013

Office Works Tape Select Varieties, 1-3 ct $0.64. On a 10 for $10 sale, you can just buy one item and still get it for $1.00, same on 2/$5, 4/$10, etc… Savingstar coupons can be used in addition to paper coupons and go into a savings account. The savings will come off your total automatically at the register.

Kroger 45

Kroger Pepperidge Farm Pancake Mix Pillsbury 45