Showing posts with label debt. Show all posts
Showing posts with label debt. Show all posts

Saturday

MINT FREE BUDGET SOFTWARE ADDS NEW FEATURES TO HELP YOU TRACK DEBT PAYOFF


Mint.com - Take Control of Your Money

Mint my favorite FREE personal finance software, has added 2 more FREE Features to help you with creating financial goals and sticking to your plan!

Goals has been one of the most popular Mint features and now this tool has been refreshed with two new goals: Pay Off Credit Card Debt and Pay Off Loans .

These 2 new goals offer new functionality. All you do is select the credit card or loan to pay off and enter how much you can pay per month. Goals tells you when the debt will be paid off and how much will be saved. As with other goals, these will be tracked and reported on within Mint so you can keep track of your progress.

I thought these 2 new features were awesome and just had to share! For those of you already using MINT, be sure to login and check them out!

I am thankfully DEBT FREE now and partly because of MINT. I still use this FREE Software to track our monthly budget and anylize expenses to the penny!

In one of my last BUDGET CREATION Posts I shared Tips on how to create and stick to a budget and featured the basics of getting started! If you began to take a look at the basics of your household finances - the amount of money coming in and the amount of money going out - then you are on the right track! Using Mint can help you do all of this with ease!

Haven't heard of Mint? Mint is a FREE service that helps you create a budget, track your spending, save money, and make your bank account a LOT easier to manage. Over 1,000,000 people already use Mint's online money management and budgeting software,(I've been using it for over a year!) and it's been featured on almost every morning show, newspaper, and magazine.

What I like most about Mint's FREE Software is that it does it ALL for you! It imports information from my bank account and CATEGORIZES them for me (gas, groceries, etc.) I can manually override if I need, but it does this very well and saves me a lot of time! They are also already setup with most banks and other accts that you likely already have and if you are like me, you have to pay each one separately online, etc. ALL of this can be done and automatically entered into your budget for easy and to the penny tracking! I LOVE this software! It really does do it all for you!

Very quickly becoming the BEST Free Money Management Software, they're adding over 3,000 users every day. Mint is tracking $175 billion in transactions, $47 billion in assets and has identified more than $300 million in potential savings for its users.

If you are serious about management your finances, you need to check it out! A great way to know exactly where every penny goes, keep you accountable and to keep yourself on track with your budget and financial goals!
WendyLittle_FrugalFabulousFinds


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FrugalFabulousFinds.com is a personal blog written and edited by Wendy Kohn Little. As a full time Blogger, I do selectively accept various forms of compensations such as cash advertising, sponsorship, or paid topic insertions and/or products and other forms of compensation and incentives from companies and organizations. Compensation will never influence the content or posts made in this blog. All advertising is in the form of advertisements generated by a third party ad network. As the owner of this blog, I am sometimes compensated to provide opinion on products, services, websites and various other topics. Even though I may receive compensation for posts or advertisements, I always give my honest opinions, findings, beliefs, or experiences on those topics or products. The views and opinions expressed on this blog are purely my own and will NEVER be influenced by any form of compensation.

Wednesday

BUDGET FREEBIES+FREE PERSONAL FINANCE TIPS


It's a new month! Well okay, it's actually the 4th day of the month, so I'm running behind on sitting down to go over my budget goals. But, better late than never! I'll be posting an update on my first 3 monthes of using the envelope system and where we are at with our 2011 financial goals soon.

Here's another super resource for any of you that are like me-I've said before that I'm like a sponge...I really do look forward to reading emails and soaking up all that is offered to me to help balance our home life, manage finances & help to keep me focused on my budget and goals!

LearnVest Daily is an awesome resource providing you with money-saving tips and financial how-tos to enrich your life in all the ways I mentioned above!

They don't spam you, they will send 1 email per day, packed with useful info & tips ! Here's a quick overview of what I got today...

What’s Inside:
Discover the best places to travel on a dime.
Learn tips to help you build your wealth.
Plan the perfect dinner party for under $10 per person
Understand and manage debt
Get beauty tricks for any budget

Receiving this info daily, that I can read whenever I have a free moment is a great way to keep myself focused! I highly recommend it if you are trying to get started with a budget or even if you are a "lifer" who scrutinizes over every penny earned, spent and saved like me! *grin*

CLICK HERE to Signup with LearnVest Daily Financial Tips
WendyLittle_FrugalFabulousFinds


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Mint - FREE Budget Personal Finance Help


FrugalFabulousFinds.com is a personal blog written and edited by Wendy Kohn Little. As a full time Blogger, I do selectively accept various forms of compensations such as cash advertising, sponsorship, or paid topic insertions and/or products and other forms of compensation and incentives from companies and organizations. Compensation will never influence the content or posts made in this blog. All advertising is in the form of advertisements generated by a third party ad network. As the owner of this blog, I am sometimes compensated to provide opinion on products, services, websites and various other topics. Even though I may receive compensation for posts or advertisements, I always give my honest opinions, findings, beliefs, or experiences on those topics or products. The views and opinions expressed on this blog are purely my own and will NEVER be influenced by any form of compensation.

FREE CREDIT SCORE-NO CREDIT CARD REQUIRED-YES, REALLY FREE!


I posted on Facebook about this yesterday and so many of our fans & readers were not aware that there really is an absolutely FREE site to get your Credit Score. It's NOT a free trial, they won't ask for your credit card info and there are no hidden fees, renewals and all the other hoopla that the "Free Credit Score" offers have become known for.

I've used Credit Karma for quite awhile now. I started using it when I was nearing the final payoff phase of my 10+ year self created, Mountain of Debt.

What I observed is that instead of charging you a fee, as all the other websites do, they will run unobtrusive ads (banners) directly on their site for financial institutions, credit cards and other personal finance services in order to compensate and be able to offer Credit Scores Legitimately and completely FREE to consumers.

Wikipedia had this to say about how Credit Karma is able to provide Credit Scores absolutely Free to consumers:

"Credit Karma's business model involves targeted advertising, similar to many other websites. Revenue from these advertisements offsets the costs of free credit score tracking for Credit Karma members so the service is free to consumers. Credit Karma keeps users’ personal information private and does not store personal sensitive account information on its site."

So, yes, You really do get your 100% free credit score instantly, securely, and safely, direct from the credit bureaus.

Your scores are retrieved securely with no hidden fees. You can use the free "credit report card" to learn more about your credit report and score. You can also compare individual credit report categories to national averages and see how various items on your credit report affect your credit score. Plus, it's REALLY IS completely free! Have I emphasized that enough? hehehe

1. Access to your FREE Credit Score anytime
2. Exclusive offers based on your score
3. Tools to track your credit score
4. Valuable credit and finance content
5. Calculate and research to find best rates
6. Community feedback on offers & partners

If you're like me and keep a check on this often, you definately want to SIGNUP at CREDIT KARMA and try it out for yourself.

With other sites, I've taken advantage of the "Free Trial" offers just to get mine in the past, only to find I'm billed an outrageous amount later as a "renewal" because I forgot to cancel. I'm soooo sick of those type of deceiving offers !

There is NO WORRY about that with Credit Karma! You will not be asked for any Credit Card info !

Signup HERE and make sure you check your email inbox and spam folder to confirm your account!
WendyLittle_FrugalFabulousFinds

Never Miss a Deal! Subscribe to our FREE Newsletter
Many Freebies & Deals expire so quickly, we post them on Facebook - CLICK HERE to see what you've been missing!




FrugalFabulousFinds.com is a personal blog written and edited by Wendy Kohn Little. As a full time Blogger, I do selectively accept various forms of compensations such as cash advertising, sponsorship, or paid topic insertions and/or products and other forms of compensation and incentives from companies and organizations. Compensation will never influence the content or posts made in this blog. All advertising is in the form of advertisements generated by a third party ad network. As the owner of this blog, I am sometimes compensated to provide opinion on products, services, websites and various other topics. Even though I may receive compensation for posts or advertisements, I always give my honest opinions, findings, beliefs, or experiences on those topics or products. The views and opinions expressed on this blog are purely my own and will NEVER be influenced by any form of compensation.

Sunday

FINANCIAL GOALS FOR 2011-MY PERSONAL LIST-HAVE YOU MADE YOURS?


I'm a firm believer that it's not always enough just to think about something or plan it in our own mind. Putting Goals down on paper in writing makes me more accountable and helps to keep me focused. If I fall completely off track, it's also a great reminder!

With that said, I'm sharing My Financial Goals for 2011 and plan to update whenever I cross something off my list! That should help me be even more accountable!

For anyone that has not read my previous personal finance posts, it might be helpful to know that I have finally paid off all unsecured debt ( NO CREDIT CARDS OR LOANS!) and we pay cash for everything. The only remainder of debt I have is our car payment, which I would really like to pay off this year.
"...the borrower is servant to the lender" ~Proverbs 22:7

You can make & acheive financial goals no matter how big or small or where you are at in your finances - whether you are living beyond your means in debt, have lost your jobor what have you. The point is to focus on making your money work FOR you instead of just working FOR your money. The end result of that is a freedom like no other !

It may also be helpful for me to share that my husbands company closed in January 2010 and he is still out of work. We are living on unemployment income and my online income...if that's not encouragement for you, I don't know what is!

2011 FINANCIAL TO DO LIST

#1 - Pay cash for a new set of mattresses - The King size mattress on our bed was purchased in 1993-back when I was a credit card queen and "charged" nearly $2800 for the luxe pillowtop set. It is beyond replacement time and I would like to downgrade to a Queen size to make more room and lower the cost of sheets & bedding.

**COMPLETED IN MAY#2 - Get 1 month ahead on our house payment - It is due the 5th of each month and since most of my income is paid to me on a monthly basis around the 10th of each month, we need to be sitting on a full month's payment in savings to avoid paying a $30 late fee each month...just because we are waiting on my paychecks. (How crazy is that? Yes...even I have frugal fails!)

**Paid CASH for my Suburban in MARCH#3 - Sell my car-last portion of debt I have-part 1 of my NO MORE CAR PAYMENT Goal - Pay cash for a dependable used vehicle

#4 - Double my online income overall - I have so many resources for income online (see my extra money makers & WAHM posts) and would like to double it this year. To do this I have started making a weekly schedule with more detailed areas of focus for each day. In order to double my income for the year, I have broken it down into a daily amount that I need to focus on, to make it easier to achieve.

#5 - Hubby to secure a better job - He had worked for his company for 9 years when they closed in Jan. 2010. Unemployment income (as many of you know) is quite lower and caused us to exhaust savings and be back to a month to month basis with bills. We are praying he finds work soon, but planning for the worst and only counting on our current income level to meet these goals.

Have you made a Financial Goal list or plan for 2011 ? Would love to hear some of your goals!

I also highly recommend reading my BUDGET CREATION Posts and also my 2 favorite resources to help you track your spending and stay focused:
MINT: FREE Money Management Software
DAILY WORTH: FREE Personal Finance Tips & Advice for Women
WendyLittle_FrugalFabulousFinds
Many Freebies & Deals expire so quickly, we post them on Facebook - CLICK HERE to see what you've been missing!