Shopping for your Spouse with a Debt Free Spending Plan


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

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


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

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...]

Tuesdays Tips – But It Was Only A Dollar


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

How long has that been in my stockpile? When I jumped into couponing as a lifestyle I was chasing every deal at every store for months. Once I realized what I was doing I hit the brakes. What am I doing? What am I buying? I've never bought this stuff before! It took several months for revelation to sink in. I look at my stockpile regularly. Notice I didn't say inventory, rotate or examine? I open the door and I look at it. I do rotate food when I restock items I've purchased by moving older … [Read more...]

Planned Budget Saves Emergency Fund Again


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Hubby and I do have our $1,000 emergency fund. However, I am extremely over protective of it. In order to minimize us touching it I do budget for "stashes". These stashes include car repairs/maintenance/tags, house repairs and medical to name a few. Each month a set amount is put into the "stash" so that if something pops up we have money sitting there waiting for it. This has kept us from touching the emergency fund or having to put something unexpected on a credit card. Again this … [Read more...]

What is the Definition of Wasteful?


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Interestingly enough, someone accused me of being wasteful today. While I know completely different, I did stop long enough to ponder what the real definition of wasteful would be. I also decided that it would make sense for me to decide how that fit into my personal situation. According to dictionary.com, the definition of wasteful is: 1) given to or characterized by useless consumption or expenditure: wasteful methods; a wasteful way of life. 2) grossly extravagant; prodigal: a … [Read more...]

Thrifty Thursday: Fight The Fees


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Everywhere we turn these days, there seems to be added fees. They kind of sneak up to you every chance you get. Some of them, you can't avoid. But a few, you can. Plus, there's the good, old-fashioned way of just asking. We've all had our fair share of oops when it comes to paying bills. When my husband was out of work with an injury earlier this year, the way the money sort of trickled in definitely messed up when bills were paid. We had been paying down our last two cards and I ended … [Read more...]

Get on Track to Pay Off Debt and Save Money


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Are you on track to pay off debt and save money? We have slowly been making our way to being debt free for the past 4 years. It can get boring at times, that's why I really like this new program that rewards you as you pay off bills. It's kind of like a sticker chart for adults. With Pay off you can have fun, win badges and even earn cash for reaching your financial goals! The best part - it's FREE! It is packed full of money saving tips for all incomes. Once you sign-in, be sure to check out … [Read more...]

Thrifty Thursday: Free Money


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Over the last week, you've seen us post about the Visa Gift Card deals and the Olay Rebates. This is a great way to get free money for stuff you already buy - Rebates! The majority of people do not redeem rebates, which is why so many times they are so high. Over the holidays last year, I bought an antivirus program for my computer that was free after rebate. I paid $45, and got a $45 rebate. These are free money offers, and they are great for adding to your grocery budget for meat and … [Read more...]

Back to School Tax Free Holiday Dates


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

  Here is the list of the states that have released the dates of their back to school tax free holiday schedule. I checked each state individually so this is the most current information as of 7/22. I take advantage of this myself to buy office supplies, printer ink, batteries, clothes and household storage items within my states guidelines. Click on the link for details pertaining to your state. Alabama,  Aug. 3rd - 5th Alaska,  Has no general tax Arizona,  Not … [Read more...]

Coupons Allow me to Live Like a Millionaire


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Do I have your attention?  I bet you are thinking that I am going to give you a big fluffy story about how many extravagant things that I can buy as a result of using coupons. That couldn't be further from the truth!  Society, Hollywood and the media outlets have given us the wrong perspective of wealth in our country.  The truth is that the real wealth in the United States, the real self-made millionaires could quite possibly be your next door neighbor.  In his best selling books The … [Read more...]

A Budget Within A Budget


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Having a budget in place is smart, managing your budget is even smarter. Someone once told me I budget within my budget when I taught a couponing class, I didn't quite understand what that meant but apparently I was doing it. He explained that I break my budget down so fine that I know where all of our money goes on a regular basis and I am very good at moving money budgeted for one thing to pay for another if a deal is right without causing any ripples in my bi-monthly budget. He was right. I … [Read more...]

How My Emergency Fund Saved Us


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

If any of you have found me on a live chat over the last 4 weeks, you've probably heard me say my husband is out of work at the moment.  He hurt himself at home a few weeks ago and we found out he has a herniated disc in his back.  He's currently in PT and headed for trigger shots in hope of avoiding surgery. What you wouldn't know is that we have had zero money coming to this house for the last 4 weeks. Yup. Zero.  While I am not one to put personal business out into the world, I thought this … [Read more...]

Determine Your Stockpile Needs


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

  Learning to coupon is only one part of effectively providing for your family. Managing your stockpile is every bit as important as saving money is. It requires space, planning and maintenance to work efficiently for you. Some of us use spread sheets or a written inventory log and many of us don't keep a record at all. Knowing your needs and stockpile prices are essential for success regardless of the size of your family. Know your needs Buying too much is a waste of money and … [Read more...]

Stretching Your Dollar Even More


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

  Knowing your prices and products can really help stretch your dollar even more. Case in point is the photo below. Both are pork tenderloins however one is seasoned and one is not. Last spring (I was learning) I bought 20 seasoned tenderloins on a BOGO sale @ $9.99 and I had $1/1 coupons making each one $4.00. I wont do that again. In the photo Seasoned pork tenderloin cost $9.99 (regular price)  for 1 lb 6 oz or 22 oz each Plain pork tenderloin $3.23 lb (regular price) or $7.10 for … [Read more...]

Debt Journey- Another One Bites The Dust!


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

We are still in the debt snowball phase of our Total Money Makeover  but we are blowing up the debt.  We’ve had some setbacks along the way.  However, we paid off hubby’s bike this week, 29 months earlier than original payoff!!! So now what you ask?  The amount of the bike note plus the snowball money will now be applied towards his car note, the last debt not including the house. According to the plan we will pay it off in August 2012, 1 year earlier than original payoff. Will I beat this … [Read more...]

R.E.L.A.X. Your Way In To A Budget


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

When some people hear the word budget they run for the hills like their hair is on fire.  It can be a simple thing if you break it down and R.E.L.A.X.  your way into it. Record Everything The only way to know the base of your budget is to know what you are spending on everything.  I suggest before starting a budget you track your spending for 2-3 weeks.  This will give you a clear understanding of where your money is going.  This will turn into the base of your expenses when you start to build … [Read more...]

What Does FICO Mean?


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

 Your credit score is important.  It is also valuable for you to know it.  What's even more valuable is if you know it, know what it means and can actually do the right things to impact it.  In the financial services world, your credit score is often used interchangeably with the word FICO.  Actually, to be 100% accurate, FICO is not a word which is why if you would have tried to look it up in the dictionary, you may not find it.  FICO is an acronym.  FICO stands for Fair, Isaac and Company. … [Read more...]

You Paid that Debt Off, Now What?


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

There was a post on the Facebook wall Tuesday morning by a fellow Wiz Kid that was excited to be paying off their vehicle in the coming months and it reminded me of what my husband and I started doing once we paid off our vehicle. Of course every situation is different, and you may very well have more debt that you need to pay off instead of doing what we do, but to get you thinking of other possibilities, I thought I’d share. Goodbye Car Payment Like most of you out there, we had a car … [Read more...]

What is a Credit Score?


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

In short, your credit score is your financial report card.  Think of it like a batting average in baseball.  Instead of telling the opposing team how likely you are to get a hit, it tells lenders how likely you are to repay an obligation to them.  Many things are taken into consideration when your score is calculated, but the primary index is your past history of repaying loans.  Lenders need this information because it will help them identify what type of credit risk you may be.  If you are … [Read more...]

How Budgeting Got Me Behind the Wheel WITHOUT Buying a Car


This post may contain affiliate links. Please see Full Disclosure Policy for more information.

Last February, I was driving home from work when the upper ball joint on my car broke as I was driving down the road. If you've never had this happen, it's SCARY!! If it had happened one mile later, I probably wouldn't be typing this today because I would have been driving down the highway at 65mph rather than going about 20 because the stoplight had just turned green. That week, we bought a 1997 Grand Am from a local mechanic. Well, as happens with older vehicles, it had some little (and not … [Read more...]