Saving Cents With Sense

JANUARY 24, 2012

I was raised with frugal parents that tried to install in me proper money management and even though I always paid off everything on time, I never managed to save money. Then more than a year ago something in me changed after a health scare and I realized that it’s important to pay off debt and save more than ever. I’m currently taking care of my debt one month at a time. However, I know now that paying off debt is more important.

Pay Off Debt 94

Pay Off Debt Debt Economy 2012 94

Birmingham Bargain Mom

JANUARY 12, 2012

This is a great way to earn extra cash towards bills, paying off debt or even special vacations -- selling metal or aluminum cans. Bargains Deals Earning cash

Pay Off Debt 65

Pay Off Debt Debt Vacation Recycle 65

Family Balance Sheet

MAY 21, 2021

Did you make a goal to pay off debt this year? For many years, we made a yearly goal to chip away at our six figures of non-mortgage debt. It took us years to pay it all off, but we achieved it in 2019. 1 – Calculate your debt.

Debt 130

Debt Debt Free Goals Family 130

Family Balance Sheet

MARCH 5, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. This trip was a reward for our years of paying off six figures of debt , and we were going to pack a lot into our week.

February 257

February Money Family Airline 257

Prairie Eco-Thrifter

JUNE 6, 2011

The hare got off to a speedy pace and seemed to be a sure win, but in the end he didn’t, did he? Ask yourself : Do you start saving or paying off debt with a superhuman resolve- determined to avoid all temptation- only to fall off the wagon and give up hope in a matter of a few days? When it comes to debt, start off with a payment that allows you to still pay off your monthly bills.

Win 176

Win 2011 Debt Pay Off Debt 176

Family Balance Sheet

APRIL 2, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. We use this credit card for almost all of our business expenses and we pay it off every month. Finding extra money is a game for me.

March 130

March Money Family Donation 130

Family Balance Sheet

MAY 27, 2015

Today’s Debt Free Story is from Olivia. We are both planners and despise wasting money on debt/interest, which is what led us to pay off our mortgage as soon as we could! How much debt did you pay off? What kind of debt was it? We paid off a total of $118,000 debt. It took us 33 months to pay it off! I was 24 years old when we paid it off. Two catalysts that helped set us up to pay it off quickly: 1.

2015 230

2015 Finds Family Debt 230

Family Balance Sheet

NOVEMBER 5, 2014

Welcome to Debt Free Stories. Together they paid off $23,000 in 16 months. How much debt did you pay off? What kind of debt was it? We paid off just over $23,000 in one year and four months. The debt consisted of my student loans and a car loan. What inspired you to get debt free? When my wife and I got married, we both made the decision that our first financial priority would be becoming debt free. Debt Free Stories

Debt 241

Debt Debt Free 2014 Emergency Fund 241

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. Quitting my job is one of the things being debt free has enabled us to do. have barely any bills and be able to live off passive income. How much debt did you pay off? What kind of debt was it?

Debt 236

Debt Debt Free 2014 Kids and Family 236

Family Balance Sheet

JUNE 4, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. Finding extra money is a game for me. Over the years, I have found money through rebates, refunds, online sales, and even the ground.

May 130

May Money Family Donation 130

Family Balance Sheet

MAY 4, 2021

I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. Years ago during our Debt Freedom Plan, I avoided using credit cards, not because we had credit card debt, but I was trying to limit our overall spending.

April 130

April Money Family Donation 130

Family Balance Sheet

JUNE 16, 2015

Today’s Debt Free Story is from Lydia. She blogs about living a limitless life on a limited budget at Frugal Debt Free Life. How much debt did you pay off? What kind of debt was it? We paid off $36,000 in student loans, credit cards, cars and a bit of medical debt. What inspired you to get debt free? Did you follow a particular debt freedom plan or book, such as Dave Ramsey or Debt-Proof Living? Debt Free Stories

Debt 268

Debt 2015 Finds Family 268

Prairie Eco-Thrifter

FEBRUARY 26, 2011

Reader Asks About Selling Home to Pay Off Debt – [link] I agree. Paying Debt vs. Saving Money [link] I say pay off debt. Tweet. 0 saves Save. Cool Things I Read This Week [link] #. 6 Ways to Save Money On a Gym Membership [link] #. RT @ wisebread Houses You Can Build Yourself | Wise Bread [link] Going to consider this if we decide to change residence. #.

Swap 113

Swap Debt 2011 Finance 113

Family Balance Sheet

SEPTEMBER 29, 2016

I watched her and her husband’s debt free scream on The Dave Ramsey Show. You can find Angela at her You Tube channel, Our Life…on a Budget , where she vlogs about getting out of debt and staying there! Angela & Jeff’s Debt Free Story. How much debt did you pay off? What kind of debt was it? worth of debt. We had two student loans that still had balances, even though we’d already been paying on them for 10 years.

Debt 271

Debt 2016 Family Debt Free 271

Family Balance Sheet

APRIL 2, 2022

Or, we could pay the daily per person rate of $8-$9 (weekday) or the weekend day rate of $12-$13. – Turn the screens off and get outside. They’re all designed to help you save money, pay off debt, and achieve your financial goals, so please take advantage of them.

Budgeting 130

Budgeting Budget Kids and Family Friends And Family Sale 130

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. Head over to Invest It Wisely’s post about the 5 Fees You Should Never Ever Pay. He wonders about the trade off with the time required to clip coupons being worth it in his Are you chasing the coupon dream?

Win 145

Win 2013 Debt Fridays 145

Family Balance Sheet

JUNE 2, 2016

Today’s Debt Free Story is from Richard of Frugality Magazine , where he shares frugal living tips for financial freedom. How much debt did you pay off? What kind of debt was it? In total I estimate I paid off round $40,000 worth of debt, though depressingly a fair chunk of that was just interest. I left university, as so many do, with a fair chunk of debt. What inspired you to get debt free? Debt Free Stories

Debt 188

Debt 2016 Finds Family 188

Family Balance Sheet

FEBRUARY 23, 2016

Are you ready to crush debt this year? We’re going to give it everything we’ve got and hopefully pay off the last of our non-mortgage debt by the end of this year. It will be quite a feat because by my calculations we’ll be short each month if we just apply our debt snowball payment. We need to find/earn even more money each month to throw at the debt to make our goal by December 31, 2016. 5 Steps to Crush Debt in 2016.

Debt 186

Debt 2016 Goals Family 186

Prairie Eco-Thrifter

SEPTEMBER 25, 2013

Whether you want to pay off debt or save for retirement or get a new TV, you have to be in agreement on the big stuff. Being wary of debt (and paying it down if you have it). When you first contemplate marrying the love of your life, everything seems just right. You believe you can put up with anything, and you think that any difficulties can be smoothed over if you face them together.

Money 252

Money 2013 Finance Motivation 252

Family Balance Sheet

AUGUST 5, 2015

Today’s Debt Free Story is from Jessica. 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. 10K in car payments, $35K in credit card debt. We made the decision to tackle our debt back at our home church in Chattanooga. What inspired you to get debt free? My husband has always been the one who has felt the full weight of our debt. Debt Free Stories

Debt 244

Debt 2015 Finds Family 244

Family Balance Sheet

OCTOBER 18, 2019

Our Debt Freedom Plan has been a long winding road. 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. 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. 4 – Pay off all Non-Mortgage Debt. | DONE September 2019!!!

2019 100

2019 Debt Family Emergency Fund 100

Prairie Eco-Thrifter

FEBRUARY 21, 2013

Paying off debt is hard to do. Read John’s post about his stumbles on the way to paying off his debt at The Money Principle. Happy Friday Everyone! I wish I could say that with my usual vigour but lately the weeks have been running into the weekends. Friday is just another day of chaos. I am still crazy swamped. I know it seems like the same old story and I am sure you are tired of hearing it but this is how I seem to be rolling these days.

Fridays 165

Fridays 2013 Insurance Real Estate 165

Family Balance Sheet

NOVEMBER 19, 2014

Today’s Debt Free Story is from Amanda & Daniel. Together they blog about becoming debt free and location independence in order to serve the world at Life with a Mission. How much debt did you pay off? What kind of debt was it? We paid off $68,000 of debt in eight months. The debt included about $30,000 in student loans, some medical debt, IRS debt, and a small amount on a credit card.

Debt 245

Debt 2014 Debt Free Family 245

Prairie Eco-Thrifter

MAY 1, 2013

The rule of thumb that states that it makes sense to spend 30% of your income each month on a housing payment doesn’t take into account the fact that you might have other debts, and that taking on more might over-leverage you. If you lose your job, or encounter another financial setback, 30% of your income might be too much to handle for a mortgage payment — especially if you have other debt. Rules of thumb are often used to make various financial decisions.

2013 213

2013 Life Insurance Insurance Debt 213

Family Balance Sheet

FEBRUARY 2, 2017

They pay off mountains of debt and scream about debt freedom, or maybe they save gobs of money in a record amount of time, or they have considerable success with their new small business. Meet The Achievers: Deacon and his wife paid off $52,000 in debt in 18 months. Elle and her husband paid off a car loan and saved cash for their next car. Maureen eliminated $79,000 of credit card and student loan debt less than 3 years.

Financial Goals 162

Financial Goals Goals 2017 Debt 162

Prairie Eco-Thrifter

JUNE 25, 2013

You might pay taxes on the money now, but you avoid taxes on the earnings later. And plan to pay more in taxes than you expect. Yes, you might pay off debt and have fewer of those types of obligations. Even in Canada, there is a good chance that you will have to pay some of your health care costs as you age. We all make mistakes. However, some mistakes can impact us more than others.

Making 201

Making 2013 Taxes United States 201

Family Balance Sheet

OCTOBER 6, 2014

We’ll talk about cash flow, budgets, debts, and all of the nitty gritty of our finances that might not be fun to talk about, but are so important to discuss. Earlier this year, my husband and I wrote a specific list of financial goals and named it Our Debt Freedom Plan. Is it to pay off your house? Pay cash for a trip to Hawaii or your kids’ education. Or maybe you want to pay off (and cut up) your credit cards.

Financial Goals 113

Financial Goals Goals Finance Family 113

Family Balance Sheet

JULY 2, 2015

Today’s Debt Free Story is from Acadia. Louis neighborhood is within walking distance to the zoo and a couple of parks, so I enjoy walking with the kids each day to let them run off some energy and I get a little workout in too. How much debt did you pay off? What kind of debt was it? All of our debt was $97,000 in student loan debt. We ended up buying a house from a relative, which put us in even more debt. Pay cash.

Student 235

Student 2015 Finds Family 235

Prairie Eco-Thrifter

JUNE 24, 2012

Pay Off Debt App (sponsored by The Debt Myth ) Lisa K. $20 Many thanks to all who entered my two year blogiversary giveaway ! There were nearly 4,000 entries. A hearty thanks also goes to our generous sponsors who made it possible to host such a large giveaway. Here is the list of prizes as well as the winners: iPad (sponsored by Prairie Eco Thrifter and Sustainable Personal Finance ) Nicole D. $25 25 PayPay Gift Card (sponsored by My Broken Coin ) Nikki H. $25

Gift Cards 100

Gift Cards Personal Finance Finance Giveaway 100

Family Balance Sheet

APRIL 9, 2021

Many years ago, my husband and I faced what we thought was an insurmountable hurdle– six figures of non-mortgage debts. Prior to FPU, we thought we were doing well financially and never considered that we had too much debt. But Dave Ramsey’s view of debt is very different.

Debt 130

Debt Family Emergency Fund Kids and Family 130

Prairie Eco-Thrifter

SEPTEMBER 26, 2012

On top of that, now, I don’t have to pay tuition. I still have debt to pay off and want to buy a house, so all of that inflation money could go toward saving or paying down debt more quickly. 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?

2012 189

2012 Debt Goals Bills 189

Family Balance Sheet

AUGUST 11, 2016

” Her comment was echoed by another (in real life) conversation I was having with a different friend who is sending a child off to college this fall. The cost of college education is crushing and many parents feel compelled to assist or pay for the entire tuition. We charted out our course of action to pay off debts and start saving for retirement. Our current priority is to pay off our last non-mortgage loan (our step 4).

2016 185

2016 Money Kids and Family Emergency Fund 185

Family Balance Sheet

DECEMBER 10, 2014

Today’s Debt Free Story is from Carrie. How much debt did you pay off? What kind of debt was it? 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. It took just over a year (14 months to be exact) before I paid off all my debts and became debt free! What inspired you to get debt free? Who initiated the debt free goal? Debt Free Stories

Debt 227

Debt 2014 Family Debt Free 227

Family Balance Sheet

APRIL 12, 2016

Today’s Debt Free Story is from Jessica. How much debt did you pay off? What kind of debt was it? I had $56,000 of debt when I decided to become debt free. I had planned to pay it all off in 2.5 It took me five years to pay off my debt but two of those years I had a job loss, I was taking care of my grandparents and I had lost my motivation and drive to pay off the debt.

2016 189

2016 Student Credit Cards Finds 189

Family Balance Sheet

JUNE 22, 2020

It was so big that I cried for two days straight– we paid off six figures in non-mortgage debts. How we got to six figures of non-mortgage debt: In the summer of 2012, we found an opportunity to purchase an office building for our small business. Our Debt Freedom Plan

Debt 130

Debt 2020 Family Kids and Family 130

freestuff.tv

MAY 18, 2011

Check out this guest post by Angela from Debt Consolidation Care: It needs no mention that budgets and savings play a pivotal role in assisting consumers in paying off debt. Here are some secret tips in creating a budget that can rejuvenate your personal finances and become debt free. You must always remember that creating a budget does not mean cutting off all the fun from your life. This will help you stay out of debt. Want financial freedom?

Budgeting 130

Budgeting Budget 2011 Debt 130

Nicoles Nickels

APRIL 9, 2014

While good budgetary moves are to save or pay off debt, spending that money on something pleasurable and financially worthwhile for the future can be just as wise. If there’s one thing that people hate doing the most, it’s their taxes. But with tax time comes that welcomed question – “what to do with my tax refund?”

Taxes 69

Taxes Sears Vacuums Pay Off Debt 69

Prairie Eco-Thrifter

JULY 25, 2011

Are you so far in debt that you think you’ll never get out? Do you believe that what you are doing will never pay off – that you will always be financially insecure? Getting there is not just about executing a debt reduction plan or earning passive income. Paying off debt is great but having no quality of life in the process is not the way to do it. This post was written by Marie. .

2011 172

2011 Debt Life Insurance Goals 172

Family Balance Sheet

AUGUST 4, 2014

Welcome to Debt Free Stories! They paid off $36,000 in debt and cash flowed graduate school. How much debt did you pay off? What kind of debt was it? After graduating with our bachelor’s degrees Jon and I had about $36,000 in debt between us. We also were working on paying for Jon’s master’s degree and then my own masters degree, which I completed in December 2013. What inspired you to get debt free?

Debt 243

Debt Debt Free 2014 Family 243

Family Balance Sheet

JUNE 8, 2018

Many years ago, our cash flow sucked, we put Christmas on a credit card, and I wasn’t sure how I was going to pay for a large tax bill. I came up with strategies to help us pay for yearly bills, large expenses, and we were able to pay off debts. If they are, you can consider putting the extra funds into an emergency fund, pay off a credit card, or save for another financial goal. Do you feel like you have more month than money?

Budgeting 133

Budgeting Budget 2018 Family 133

Family Balance Sheet

FEBRUARY 22, 2011

We reduced our spending where we could, but the money to pay any shortfall each month came from our emergency fund. Which comes first: saving for an emergency OR paying off debt? Many personal finance experts believe in building an emergency fund to $1000 to get started and then pay off consumer debt. Once that debt is paid off then start building up you emergency fund to your desired number.

Emergency Fund 127

Emergency Fund 2007 Family 2011 127

For the Mommas

JANUARY 23, 2013

Saving more (52%), spending less (19%) and paying off debt (19%). One of the easiest and most overlooked ways to spend less is by re-evaluating your debt and improving your credit score. Paying Off Debt. After taking a look at your holiday shopping credit card bill, you may (unsurprisingly) groan and vow to pay off your debt as quickly as possible. Consider using an interest rate calculator to determine how much you should pay.

Monitors 40

Monitors Consumer Debt Refinancing 40

Prairie Eco-Thrifter

JULY 4, 2011

Philip from Deliver Away Debt shares his story: How I Delivered Away My Debt. mbhunter from Mighty Bargain Hunter asks Are you contributing to this debt clock? and says, “The big debt clock is over $14 trillion now, but this other one is approaching $1 trillion, and may affect you more directly.&#. Some people find themselves buried under student loan debt with little chance of ever paying it off.

Personal Finance 240

Personal Finance Finance Kids and Family Family 240