Tax Free Holiday 2013 Schedule


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Tax Free Holiday Schedule Get ready, it's coming back for many states, starting as early as July 26 for Mississippi. The tax free holiday, that is. I love this "holiday" and I don't even have kids. It's a great time to stock up on office supplies for my business, not to mention fulfilling any clothing needs my husband and I have. Each state has different requirements so you'll have to check yours. As a convenience, I've linked each state to any information I found available. Your state … [Read more...]

I Can’t Believe It! I’m Debt Free!


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I can’t believe it! I am debt free! It has taken me a little over 2 years but I did it. Looking back on my financial situation I can’t believe I let myself get into that mess. I had 2 department cards, a finance company loan, and when I found out I was pregnant with my 4th child, I decided that I needed a bigger car and went out and got a car payment. Becoming debt free has been a journey for me but I started small. Couponing was the beginning to me taking control of my finances. No more going … [Read more...]

How My Stockpile Saved Us In A Rough Patch


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How My Stockpile Saved Us In A Rough Patch One of the things you will learn here at The Coupon Wizards is  building a stockpile of what your family uses. Find your items at rock bottom prices and create a stockpile big enough to last 3 months until the next sale cycle to save the most money. But, what about when you fall on a rough patch and just can't afford to go to the store each week? About 3 1/2 weeks ago, my husband had some medical issues and has been on medical leave from work. We … [Read more...]

Verizon HOT Promotions For June Including FREE Smartphones


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Verizon HOT Promotions For June Including FREE Smartphones June is HOT for great cell phone deals. Verizon has some amazing deals that also include the latest smartphones FREE when you sign up for service! For all the recent High School Grads going off to college in the fall, these are great deals to get them into a phone plan. Since this is their first time away from home, get them a plan with reliable coverage and exactly what they need when away from home. Plus, Mom call call her new … [Read more...]

Pay Your Children in Their Currency


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Teaching children about money can be as easy or as difficult as you make it. One thing that I have learned from raising my boys is that I need to pay them in the currency that they desire and understand. To clarify, Grayson understands money. He has been able to figure simple sales tax since he was 5 and he knows what it means to work for a dollar. He understands that he needs to save. He understands that he needs to make good decisions with his spending money. He understands that he is going to … [Read more...]

Emergency Funds Are A Must Have! My Daughter Was Grateful For Ours!


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What could have been a major financial hit, ended up being no big thing for me this week. Why? Because I had an emergency fund in place. My 15 year old broke her front tooth about 5 years ago. At the time, we had a state funded insurance on the kids that covered the entire cost of the repair. This was long before I learned the art of couponing, debt snowballing, and emergency funds. Fast forward to this past Sunday. While sitting in Best Buy, my daughter was goofing around and somehow managed … [Read more...]

How Does a Car Accrual Account Work?


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If you haven't taken our financial webinars then you may not understand the term "accrual account". An accrual account is a bank account where you place money that you know you will need for future purposes. With regard to budgeting, we budget money to be put into our accrual account every month so that we always have the cash to pay for our expenses that we would otherwise place on credit cards. I have my accrual account set up in a Capital One 360 Checking Account. I like the fact that it is … [Read more...]

New Freezer, Paid Cash – But Where Did The Money Come From?


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New Freezer, Paid Cash - But Where Did The Money Come From? We have built the emergency fund, but that is for emergencies. It would be easy to just grab some money out of there for something we want, but doesn't that defeat the purpose of labeling it as an emergency fund? You decided to invest in a new freezer, fridge, dishwasher, or  a DIY project  in your home. Where do you find the money? Most of us think we don't have $400 or (maybe more) just lying around, but would be surprised at … [Read more...]

Money Management – 3 Reasons to Negotiate Like Your Kids


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Something happens to us as we age. We get soft. No, not around the middle, in our minds. In certain areas of our lives, we lose our edge. I realize that this is a blanket statement so this article will not apply to everyone. However, I do feel like there is something to be gained by all who continue reading. Recently, I have started getting up earlier than normal and getting my workout in before the sun comes up. Not only do I feel better for the rest of the day, but I actually have the whole … [Read more...]

Shopping for Cars Tip #3 – Hot Lease Terms are Your Best Friend!


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Before you start going ballistic sending me emails and commenting, please read this entire article. If you have ever heard me speak, you know that I think that leasing a vehicle is one of the absolute worst financial decisions you can make. It falls right in line with having a car payment in my book. In fact, it's worse because you aren't really paying down any debt, you are perpetuating it! However, by and large people will do what society dictates, so leases will not be going away anytime … [Read more...]

Shopping for Cars Tip #2 – New to you is as Good as New


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Shopping for cars can be fun. The anticipation of finally replacing that old clunker is exhilarating. If you followed our advice in Shopping for Cars Tip #1 and have been patient, the reward will very much be worth the wait. The next tip is really quite simple and very straightforward: Buy used vehicles. I am sure that you have heard the cliche that a car depreciates 30% the minute you drive it off the lot. It's honestly not too far from the truth. Once a new car is driven, it's no longer new. I … [Read more...]

Shopping for Cars Tip #1 – Patience Pays Off


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I have heard the statistics and they are astounding. The majority of people that are shopping for cars will purchase a vehicle within 48 hours of stepping onto the lot the first time. I must admit, I am not helping that statistic any, but it's for a good reason. I don't go to the lot until I am absolutely ready to buy. I think sometimes we purchase cars out of necessity or self-entitlement instead of taking our time to be sure we are buying "value". It's a proven fact that at some point, your … [Read more...]

Pay Per View: My Household vs. Money


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How can I get paid on Monday and be broke by Wednesday? I work a full time job so where is the money going? I knew that I was not a millionaire but dang, I should be able to pay my bills and have a little money left over.  I needed to get control of my family’s finances and I needed to do it quick. We were digging ourselves into a hole and borrowing money to fill it up and then doing it all over again. This was not how we wanted to live our lives anymore. I signed up for a budgeting webinar … [Read more...]

Habitat Re Store- Great Way To Save On DIY Projects!


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It is the start of a new year, which means new projects we are all planning around the house. My husband and I are no exception. We embarked on a full bathroom remodel a couple weeks ago. (Don’t tell my husband, but there are a few more I already on my  list to do, lol).  DIY projects are wonderful in the fact you can design anyway you want, plus you can save a ton of money by not paying for labor and unnecessary expenses. I have another awesome way to save when you start these projects. … [Read more...]

Saving Money in the Meat Department – Pork Loin


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If there is one thing that I hear from couponers on a daily basis, it's that they haven't learned about effectively saving money on meat and produce. I have good news for you! We are going to teach you how, and you won't even have to use coupons to do it!   This post is the first in a series of posts that will teach you how to get the most bang for your buck in the meat department. I decided to start with a pork loin because it's one of the easiest for you to process in your own kitchen. I … [Read more...]

Holiday Shopping Tips


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Tis the season, let the games begin! We look for the best deals, the best gifts we can find and we usually go overboard because we don't have a plan.  Be reasonable, you do not need to buy something for every person you know and each of their family members. The holiday's are about giving of yourself and showing the people in your life how you feel about them not going into debt.  Plan ahead, organize and stick to the plan Make a list of everyone you want to give gifts to. Design a set … [Read more...]

Saving for Success


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Guest Post By- Ashley Kaforey I struggled finding that perfect article for you all to read, as I have so many different hobbies & passions that I’d love to share. I figured what was best, since this is the beginning, is talking about where I came from before coupons to where I am now. I figured it’d be best for you all to know me, and know where my integrity lies. In 2004, I became a mom to my very first little girl. I was young, scared, and alone. I thought for sure that I was … [Read more...]

Stretching My Dollars and Time


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Guest Post By- Ashley Jackson My interests right now are anything to do with making my money go as far as possible and using every minute in the day for a purpose. I work, have four kids, and drive around kids to different activities they take part in. Recently I have started freezer cooking. I was told about cooking extra food and freezing it by a co-worker and decided to look farther into it. I found plenty of recipes the showed you how to double or triple your meals and the best methods … [Read more...]

Shopping for your Spouse with a Debt Free Spending Plan


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As you know living a debt free lifestyle and operating on a debt free spending plan is not easy until you get the hang of it.  Aside from the fact that you need to get accustomed to living on a budget and spending only cash, there are other frustrations that aren't initially evident.  One such "issue" is keeping your holiday shopping a surprise from your spouse or significant other.  I had never really thought about this in the past because I typically squirrel away the money I am going to spend … [Read more...]

Budgeting Tip: Control Your Cell Phone Costs and Reduce Your Monthly Payment


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This is a Sponsored post written by me on behalf of Boost Mobile for SocialSpark. All opinions are 100% mine.  If you are looking to get your household finances under control, one place you can usually find fat in your budget is your cell phone costs.  With standard cell phone providers gradually increasing rates over the last several years, you may be paying 50% more than you were when you originally agreed to your contract.  Because of this phenomenon, alternative cell … [Read more...]