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Blogger Profile


Prudence (aka Ruth)

Blog Info

Name:
Prudence Debtfree
Category:
Debt
Tags:
Frugality/Saving, mindfulness in personal finance
Start Year:
2012

Blogger Bio

Location:
Ottawa, Ontario, Canada
Age:
50s
Race:
White
Gender:
Female
Life stage:
DIK (Dual Income, Kids)
Profession:
Teacher

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Latest Blog Posts

The past week has seen a rapid decline in my mother’s health. A series of strokes has left her in the hospital, very weak. I said in last week’s post that when life goes off-kilter, a focus on personal finances doesn’t happen. That goes double now. I’ll be off-line for some time. I don’t know […] The post Off-Line for A Time appeared first on Prudence Debt-Free. ...
Posted: Nov 04 2017 @ 7:34 AM
DH = Dear Husband DD3 = Dear third daughter October progress: slow Every month, we try to pay $3,000 off of our remaining debt – the mortgage. Our basic mortgage payment is $1,500 per month, and we are allowed to – and often do – double it. At the beginning of September, DH forgot about […] The post October 2017 Report: Financial Focus Blurs When Life Goes off Kilter appeared first ...
Posted: Oct 29 2017 @ 7:34 PM
DH = Dear Husband DD3 = Dear third daughter October progress: slow Every month, we try to pay $3,000 off of our remaining debt – the mortgage. Our basic mortgage payment is $1,500 per month, and we are allowed to – and often do – double it. At the beginning of September, DH forgot about […] The post October 2017 Report: “Gazelle Intensity” Wanes When Life Goes off Kilter appeared first ...
Posted: Oct 29 2017 @ 7:34 PM
My mom has taken her trip to Italy! At 92 years of age, it was no small feat. My sister and her husband went with her for 4 days in Rome and 10 days on a cruise ship with stops at other cities. My sister sent photos and a brief account of what had happened […] The post Mia Madre in Italia! appeared first on Prudence Debt-Free. ...
Posted: Oct 21 2017 @ 2:28 PM
DH = dear husband DD2 = dear second daughter Overall progress from June 2012 to September 2017 DH and I have been on a journey out of all debt since June of 2012. We started off with: $21,000 in consumer debt $81,000 in business debt $155,000 in mortgage debt A grand total debt of $257,000 […] The post September 2017: PF Mistakes & The Battle vs. Shame/Judgment appeared first on Prudence ...
Posted: Oct 07 2017 @ 7:56 AM
FS = former student I’m a high school teacher, and this past summer I was very honoured to be invited to the wedding of a former student (I’ll call her FS). Even in her rebellious teen years, FS knew how to work hard. A co-op student in the school library for 3 semesters, she always […] The post Letter To Student, Raised Below Poverty Line, at Threshold of Middle Class appeared ...
Posted: Sep 30 2017 @ 8:35 AM
Meet Josh Wilson, a personal finance blogger who runs the site Famiy Faith Finance.  Josh is a Millennial who is working to become his generation’s personal finance thought leader. Josh dreams of a day when all Millennials can thrive through financial literacy and patience. ————————————————————————– Getting stuck in a debt pitfall Getting stuck in a debt […] The post Guest Post: Getting Out of My First Debt Pitfall appeared first on Prudence ...
Posted: Sep 23 2017 @ 10:08 AM
Reading at the camp site. One of my favourite things. DH = dear husband Anniversary glamping DH and I went camping over the weekend – hence the late post. (Sorry.) For a few years now, we’ve been celebrating our anniversary with a semi glamping (glamorous camping) experience. Nothing fancy about the tent or the sleeping […] The post Visions of FIR (no E for early) appeared first on Prudence Debt-Free. ...
Posted: Sep 18 2017 @ 9:31 PM
For me, having a gym membership meant I got to wear boxing gloves. DH = dear husband GF = good friend “As a person in pursuit of frugality on my mission to kill all personal debt, I have a confession to make: I’m keeping my gym membership.” So I wrote at Fruclassity two years ago. “Not […] The post Frugal Move: No More Gym Membership appeared first on Prudence Debt-Free. ...
Posted: Sep 09 2017 @ 7:23 AM
DH = dear husband DD2 = dear second daughter DD3 = dear third daughter Report for August 2017 For our total debt, here’s a reminder of where we started in June of 2012: Consumer Debt – $21,400 Business Debt – $80,800 Mortgage Debt – $155,000 Total Debt – $257,200 Emergency Fund – Non-existent Investments – […] The post Report August 2017: No-Judgment Expense-Tracking appeared first on Prudence Debt-Free. ...
Posted: Sep 04 2017 @ 9:23 AM

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