Why Tax Refunds are Stupid


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Yeah, that's right, I said it. Tax returns are STUPID ! It is amazing how many people I talk with that "can't wait to get my tax check". Highly educated people that are both friends and family. Why? Why are they so excited? Why are they enamored with the fact that they just gave the Federal Government an interest free loan for the last 12 months? If you get a tax return (with the exception of EIC, and some special circumstances) STOP! If anyone needs an interest free loan, it's you! Tax Refunds … [Read more...]

February's Focus Is Financial Health- Starting Preparing Now


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February's focus on Learning 2 Coupon is going to be financial health.    We have already started giving you information on budgeting and getting out of debt but we will be stepping it up in February. Quite a few of the Wizards are working the Dave Ramsey plan.  We are in various stages so we will be able to give you different points of views from the different stages.  One thing that is recommended for the upcoming month is to read one of his books.  While Dave Ramsey has a few out it is … [Read more...]

Getting out of Debt: Keeping Financial Records


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As many people are fighting the valiant fight to get out of debt, one thing that they tend to skimp on is record keeping. Let's face it, a lot of us that have had debt issues aren't the most organized people in the world, me included. I have had to put conscious measures in place to assure that I do everything in my power to have accurate records on hand in the event I am questioned or accused of "not paying something". As we scratch and claw to get out of debt, emotions run high. We are a … [Read more...]

Budgeting Tips for Newbies: The Mid-Month Review


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  Writing a budget is a chore.  It doesn't matter if you are a proven veteran or a 2012 New Year's resolution baby.  The fact is that it takes work, it takes tenacity and it takes discipline.  I have learned a lot about budgeting throughout the years.  Most of it has been trial and error.  One thing that I do every month is the mid-month review.  Today is January 14.  If you started budgeting at the first of the year, there have been some interesting dynamics in the last two weeks. … [Read more...]

$50 Target Gift Card Giveaway


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Do you want an ultimate deal for the night? How about a chance to win a $50 Target gift card?  Daily Steals Daily has teamed up with an amazing group of bloggers to bring you this opportunity to say thank you for supporting us as we start building this site!  All you have to do to enter is complete the tasks on the Rafflecopter! a Rafflecopter giveaway You need javascript enabled to see this giveaway. … [Read more...]

How Do I Handle Financial Bumps in the Road?


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I recently wrote a post on what we are doing to get out from under  the mountain debt  we've buried ourselves under.  Well December decided to throw a wrench in our plans. While we were able to pay cash for Christmas, we had some unexpected expenses hit us as well as 'not paying attention to the budget' expenses. What happened? Vehicle repair $562.00 Root canal $545.00 (that's not done yet) Restocking freezers $300.00* Brick of drum sticks $157.00* , this should have been paid with band … [Read more...]

$100 Amex Gift Card Giveaway 1/9/12


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We are SO EXCITED to be partnering with several other blogs to bring you a $100 American Express 24-Hour Giveaway! This starts at 9p.m. EST tonight and ends at 9p.m. EST tomorrow night!! Show some love to the following blogs for this GREAT opportunity! Gimme Freebies, Learning2Coupon, Tracer's Coupon Affair, I am a Couponer, Choas is Bliss, Free At Last, Generous Savings, Frugality For Less, Koupon Krazed, Mamas Spot, The Deal Matchmaker, Having Fun Saving, and Mommy's Coupon Train, and Debt … [Read more...]

Budgeting On An Irregular Income


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David has been giving us some great information on starting a budget. One thing I'd like to throw into the mix is how I overcame budgeting based on an irregular income.  Before Saul and I got married, my budget was easy. I make the same amount every pay period and I'm a strict budgeter. Saul gets paid the same day I do but works 28 on and 14 off.  He ends up with a 1 week, 1 week then 2 week check and he had NO budget. This threw me into a panic!! The first thing I had to do was establish what … [Read more...]

Setting up Your Cash Envelopes


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We have showed you that you don't have to rush out and buy a fancy envelope system to help you keep track of your funds. This video is going to show you how you can set up your envelope system to keep track of both your money and your receipts! One thing you will learn from the budgeting webinars is that you will always want to know exactly how much is in your envelope at all times. Something you will learn from the couponing webinars is that you will always want to be sure to keep track of … [Read more...]

Building a Budget for Wealth – Supplies You Will Swear By


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One of the things that I didn't talk about in the Building a Budget for Wealth webinar is the supplies that I personally use/have used to get my budget in order.  I put together this quick video for you to be able to see a couple of things that will make your life much easier when it comes to record keeping and initially tracking your expenses.  As with all posts, I trust that you will leave questions and comments here so that we are able to answer them for you!   … [Read more...]

If You're Serious About Facing Debt, Answer the Phone


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As we continue to work on teaching couples how to work on their household finances, one piece of advice we can give is:  Answer the phone!  If you are serious about getting out of debt, you need to deal with the problems you have gotten yourself into head on. When I think about the stream of emotions that I used to deal with when I had debt problems, I think I honestly had myself convinced that if I didn't answer the phone, the debt really didn't exist.  I had myself convinced that if I didn't … [Read more...]

Effectively Using Cash in your Household's Budget


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  You have to use cash.  It's that simple.  Studies have shown time and time again that it doesn't "hurt" to write a check or slide a card.  By using cash in your household budget, you force yourself to be even more frugal than you already are.  In addition to using cash, you need to have a way to keep it organized and track your spending.  This quick, no frills video will show you an awesome way to accomplish those financial goals without having to spend a penny out of your pocket. … [Read more...]

How do I Start a Budget?


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Starting a budget for your household can be exciting, fun, stressful, strained and eye-opening all at once!  If you have never used a budget in your household, this article will give you some good information that will help you get on your way!  The following steps are crucial to your success if you are going to start a formal budget in your household. Enlist the support of your spouse/significant other.   If you don't have the support of your mate, this is going to exponentially more … [Read more...]