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How to Budget (and Pay) for Yearly Bills + a FREE Speadsheet

Family Balance Sheet

Our home owner’s insurance, auto insurance, and local real-estate taxes (for our home and our business property) are due, and on top of that, there have been years where we also owed the Federal government. Every month going forward, transfer this money into a separate savings account that is connected to your checking account.

Bills 130
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Five Home Renovation Savings Tips

Prairie Eco-Thrifter

Here are a few tips on saving money while doing renovations. Save over time to build the funds you will need for the renovations you want. Possible sources include: Neighbors or real estate investors who tore out perfectly good materials and want to get rid of them. Garage or estate sales. The How-To of Savings.

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How to Create a Family Balance Sheet + Get a FREE one for your family!

Family Balance Sheet

You’ll know how much is in your checking and savings accounts and your retirement accounts. My Excel spreadsheet listed our short-term and long-term account balances, our debts, and our short-term and long-term financial goals. There was a time our spreadsheet reflected a lot of debt and not a lot of savings.

Family 241
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Why Save Money in a Low Interest Rate Environment?

Prairie Eco-Thrifter

Helping the parents teach my grandchildren to save is an ongoing project of mine. Each year I bring them together in my Grandma Rie’s Money Camp and focus on different aspects of personal finance, with saving being a focus in each camp. Trepidation about having the grand-kids open a savings account.

Money 124
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Yes Virginia, There is a Money Tree

Prairie Eco-Thrifter

Figure out what you need to live and put the rest in a secure account. Put the holiday gift of cash into your account. Put the savings you made at the grocery with coupons into the savings account. Keep saving. Care for your investments and savings. We did that. Tax yourself. Pay yourself first.

Virginia 160
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Create a Personal Escrow Account for Your Quarterly & Yearly Bills

Family Balance Sheet

Our home-owner’s insurance, auto insurance, and local real-estate taxes (for our home and our business property) are due, and on top of that, we also owed the Federal government this year. I started our personal escrow account years ago, when we refinanced our mortgage. April is always a very expensive month for us.

Bills 100
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10 Must-Know Personal Finance Tips for Moms’ Financial Success

Penny Pinchin' Mom

However, if you have been following me, you know that I am quite serious about finding ways to not only get out of debt but also how to create a budget (and stick to it) as well as how to save money without necessarily depriving your family of the quality of life they deserve. I send in $50 every month to each of their accounts.