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An Emergency Fund Savings account is so important! If you’ve ever experienced an unexpected job loss like our family has, you know how crucial an emergency savings account is! I can’t tell you how many times ours has been a blessing as we had unexpected emergencies. How much should you have in savings? That will be…

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The cash budget format is a great way to learn how to budget. This simple approach to a cash flow budget, including a free budget template, can help you to keep your finances on track! Have you ever wondered about the envelope method of budgeting and how it works? The envelope system is something developed…

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Not everyone knows how to start a budget, let alone a cash budget. The good news is that it’s very easy to start a cash budget. This cash budget example is a step-by-step guide. The true measure of your success will be applying the cash budget format consistently within your budget. Consistency truly will help…

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Last updated: October 1, 2017 We have gone from being paid every week to strictly on a monthly basis. I don’t care how much money you bring in each month, it is an adjustment going to a monthly bank deposit. I prefer monthly pay now since I can pay all of our expenses at once…

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A new year signifies a new start. Resolutions are being made and saving money is always at the top of everyone’s list each year. I wanted to write a few posts about personal finance management. While I am not an expert by any means, we’ve paid off a lot of debt in our marriage. These…

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Photo Credit I was flipping through the Sunday paper (looking for the coupon inserts) when I came across the USA Weekend section. Boldly splayed across the cover was the headline “More Money.” The subtitle said, “It’s what we all want. And it’s what you’ll have, if you follow these 8 rules from personal finance guru…

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Last week, we received a notice from our mortgage company regarding our loan. After reviewing our account, Wells Fargo noticed the escrow monies had been overpaid. We pay our escrow fees on a monthly basis. I know there are financial pros and cons in doing this, but it works for us to pay them monthly. …

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This is the final post of Kathy’s personal finance story. As you know, she is now part of team Mommy Snacks!! We were elated at the news that we were pregnant but at the same time we were sobered by the fact that our financial life had to get back on track! 2009 was approaching,…

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This is the second personal finance post from Katherine of Simple Savings Mom. You can read the first part here . So. New town. New home. New ministry. During this new and exciting time, we did not really address any further our financial issues, they really just got pushed aside in the newness of everything.…

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Again with the Q&A that I originated here. A few more questions that came in were from: Jamie asked: Hello! I love your site! I’ve been couponing for a little over a month now with great success! I do have a question…when a product is BOGO, can you use two coupons…one on each product? Thanks…

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