Savings Corner

DECEMBER 27, 2023

Managing a personal loan successfully, however, requires understanding how the payments change your monthly budget and creating a clear plan to pay off the loan. Ideally, you would calculate this before applying for a loan, says Rhode Island-based financial planner Greg Young with Ahead Full Wealth Management.

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Family Balance Sheet

APRIL 2, 2021

Yep, I found a $20 bill while running on the beach! I have used the extra money to pay off debt, fund family trips, or build up our Christmas savings. This money will be put in our Medical Out-of-Pocket budget category. I calculate the per-hour rate from my plasma donations to make sure it’s a good use of my time.

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Savings Corner

DECEMBER 25, 2023

Determining affordability requires balancing your vehicle needs and budget. How to determine how much car you can afford To set a budget for your vehicle, start by deciding what you can comfortably pay each month. Use a leasing versus buying calculator to calculate your potential savings. Can you afford the car you want?

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Savings Corner

APRIL 4, 2024

The steps may vary depending on whether you’re looking for debt consolidation loans , home improvement loans, medical loans or wedding loans. Once you’ve zeroed in on your loan amount, run some numbers using a personal loan calculator. Tip: Include fees in your loan amount calculations.

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Family Balance Sheet

FEBRUARY 4, 2015

Today’s Debt Free Story is from Shannon. How much debt did you pay off? What kind of debt was it? As many students do these days, we had tens of thousands of dollars of debt by the time we graduated with our Masters degrees. At the point when we finally got serious about paying off our debt we had $22,047 left.

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Family Balance Sheet

FEBRUARY 6, 2021

Yep, I found a $20 bill last year on the beach! New furniture wasn’t in the budget for this project, but we sold some other unused furniture in November and we now have enough to pay for the new furniture. This money will go towards paying the actual medical bills from the injury. Found Money in January: $1681.

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Prairie Eco-Thrifter

OCTOBER 31, 2013

Check out Mr.CBB’s post about Thanksgiving: Being Thankful On A Budget at Canadian Budget Binder. Andrea at So Over This knows how costly it is to stay on top of the bills each month and shared her 3 Tips for Saving Money on Your Internet. Why Use an Equity Release Calculator? 11 Fast, Cheap Ways to Look Younger.

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Savings Corner

DECEMBER 27, 2023

These loans come with credit-building tools, flexible repayment terms and special features for debt consolidation and home improvement projects. Direct payment to creditors with debt consolidation loans. Maximum debt-to-income ratio: 75%, including mortgage and the loan you’re applying for. Minimum annual income: None.

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Savings Corner

DECEMBER 24, 2023

Key takeaways A personal loan is money you can borrow to finance large purchases, consolidate debt, invest in yourself or cover emergency expenses. Working to improve your credit score and reduce your debt-to-income ratio before applying can help get you the best loan terms. Here are some of the most common applications.

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Savings Corner

APRIL 4, 2024

To refinance a mortgage, you’ll pay between 2 and 5 percent of the loan amount in closing costs, so if you’re refinancing to save money, you’ll need to calculate your break-even point. This increases your mortgage debt but gives you money that you can invest or use to fund a goal, like a home improvement project.

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Prairie Eco-Thrifter

JUNE 20, 2012

Working out how much the down payment would be is only half the answer – you’ll also need to work out what is affordable on your budget once you’ve factored outgoings and debts into the bargain. How much of your income would be used to pay down your house-related debts? What Can You Afford?

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Family Balance Sheet

OCTOBER 8, 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. To begin, gather all of your recent bills, receipts, checking & savings account statement, and/or credit card statements. This exercise is NOT your budget.

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Savings Corner

APRIL 4, 2024

Key takeaways A home equity loan allows you to borrow a lump sum against your home’s equity, usually at a fixed interest rate that’s lower than other forms of consumer debt. While high compared to their average of six percent in 2022, that’s significantly lower than other forms of consumer debt. What is a home equity loan?

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Prairie Eco-Thrifter

JUNE 4, 2012

Stay with me here – I’m very concerned about my child’s future, especially in these debt-ridden times of financial uncertainty. But it hadn’t occurred to me that life insurance might help pay for college, allow him to stay debt-free himself, or give him opportunities I never even dreamed of. The little things really do add up.

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Prairie Eco-Thrifter

JUNE 14, 2012

The Skilled Investor , Editor Budgeting and Economics Paul Vachon presents Frugal Living Made Easy posted at The Frugal Toad , saying, “Frugal living is all about making informed and deliberate choices in how to spend money. Learn how you can amend regular over spending habit and stick to the budget. Well, not to worry.

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Savings Corner

FEBRUARY 2, 2024

If you have bad credit or no credit history, your power company or water utility might require you to pay a deposit or get a letter of guarantee from someone who agrees to pay your bill if you can’t. You’ll get a card with your name on it that you can use for purchases, but your parent is legally responsible for the debt.

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Prairie Eco-Thrifter

OCTOBER 15, 2011

Yeah, There’s a Calculator for That Refinancing your mortgage to a lower rate and paying the same amount is an interesting sound-byte from Personal Finance Bloggers – but has anyone really run the numbers? The return on this strategy is relatively paltry, as this calculator shows! Why Do You Need One and How Does it Work?

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Savings Corner

DECEMBER 27, 2023

Personal loans from our partners Debt Consolidation Big Purchase Emergency Home Improvement Medical 5.0 Calculate your loan payments Next, determine how much money you need from a loan. Use our personal loan calculator to see estimated payments based on loan amount, rate and term.

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Prairie Eco-Thrifter

JANUARY 19, 2011

Many websites even have competitor calculators so you can see what you would pay somewhere else for the same service. Make a budget and Use it: Sit down with your family and come up with a budget for your essential monthly items as well as the luxuries. Staying healthy can save you tons on medical bills as well as insurance.

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Prairie Eco-Thrifter

MAY 8, 2011

In fact, my husband and I just revamped our budget so that we can donate to charities even more each month. I did this yeas ago when I was in debt and it made paying off the debt a reality. A post about breaking down your insurance costs and how you can budget for them. They are definitely worth a try.

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For the Mommas

JANUARY 23, 2013

Saving more (52%), spending less (19%) and paying off debt (19%). Create a budget. 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. Depending on the amount of debt and the different interest rates, the savings could add up.

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Prairie Eco-Thrifter

JANUARY 14, 2012

The Debt Princess: The Kool-Aid Effect: The Relationship Between the Poor & Nutrition – A look into how the working poor are eating unhealthy. It is important to understand as much as you can about how your car insurance rates are calculated and to debunk the popular car insurance myths. Turn off the lights.

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For the Mommas

JULY 24, 2016

You can use the difference in income to pay off debt, save or invest. If you calculate your mortgage interest, the cost of insurance and maintenance, buying can be much more expensive than renting. And if you’re not paying your bill in full every month, you’re paying a lot of extra money in interest. 20 Tips for Frugal Living.

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