Sacrificing to Succeed the Wizard Valerie Way


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cc Are you sacrificing to succeed? Getting out of debt is just like losing weight. It's much more fun and faster to gain it than it is to get rid of it. While my husband and I have made sacrifices for the betterment of our home, I have personally taken it a few steps further from the foods I buy to the personal products I became accustomed to. The less I spend and the more I sacrifice now, the better off  we will be in a very short time.  These sacrifices are only temporary. In two years my … [Read more...]

What is Credit and How Important Is It?


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What is Credit Anyhow? What is Credit Exactly? Credit is a contractual agreement that you enter into with a company or person for money or goods with the intention of paying for it later. You agree to pay them based on their contract. If you default on that debt then you are looking at high fees, increases in interest rate and in many cases, financial legal obligations as well. Our credit is looked at to determine if we are financially trustworthy and dependable. Our borrowing capacity … [Read more...]

Myth Busting – Budgets Don’t Work For Me


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Budgets Don't Work for You? I hear this from friends a lot when we start talking about finances and budgets. Usually it is not a case of budgeting not working, but more of a matter of the person not setting up the budget correctly. How Do I Make Budgets Work with an Irregular Income? My husband has an irregular income and we have found a way to budget even in this case. I’m a firm believer that it is best to work your budget based on the worst case scenario. This way you know you at least … [Read more...]

Trimming the Fat: Cut Yard Maintenance Costs by 70%!


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Trimming the Fat with the Lawn How am I trimming the fat? First off, I cut my own grass. Many of my neighbors aren't willing to get out in the yard and sweat, but I am. I made a decision a long time ago that I actually like maintaining my yard. Yes, I have the money to hire a service. I just don't know that they could satisfy me.  At one point in my life, I actually owned a fairly successful landscape maintenance and installation company. I have high standards and I love cutting grass that … [Read more...]

Why Tax Refunds are Stupid


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Do You Try to Get Big Tax Refunds? Yeah, that's right, I said it. Tax refunds 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 big tax refunds (with the exception of EIC, and some special circumstances) STOP! If anyone needs an … [Read more...]

Financial Health – February’s Focus Is Start Preparing Now


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February's Financial Health Focus February's focus 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 … [Read more...]

Financial Records – Keep them to Help Get out of Debt


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Keep Good Financial Records As many people are fighting the valiant fight to get out of debt, one thing that they tend to skimp on is keeping good financial records. 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 … [Read more...]

Budgeting Tips for Newbies: The Mid-Month Review


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Newest Budgeting Tips Session Ready for more budgeting tips? 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 … [Read more...]

Saving Money? Yes, Real MEN Coupon!


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Real Men Couponing, Saving Money All the single ladies... THIS should be a trait you are looking for.  If a man is open to saving money in this way, MARRY HIM. :) And if he's not, marry him anyway, and lovingly show him :)  Eric helping me separate coupon inserts Real men saving money? When I first started this journey, my husband was involved from the get go.  Maybe not because he wanted to be, but because I was slightly obsessed.  How could he NOT be involved when our dining room table, … [Read more...]

The Ten Traits of EXTREMEly Effective Couponers Trait Two: They Stick to a Rigid Budget!


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Extremely Effective Couponers If you read the first installment of this series, you know that EXTREMEly effective couponers have defined goals.  Interestingly enough, the goals are not isolated to couponing.  When talking to these people, you will know where they are planning on taking their next vacation, which car they plan on purchasing to replace their current ride, where their children are going to school and the list goes on.  The fact is that they plan.  Part of that goal setting and … [Read more...]

Financial Bumps in the Road & How I Handle Them


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Handling Financial Bumps How do I handle financial bumps in my road? Well, I recently wrote a post on what we are doing to get out from under  the mountain debt we've buried ourselves under. Sadly, December decided to throw a wrench into 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. Oops! What happened? Vehicle repair $562.00 Root canal $545.00 (that's not done yet) Restocking … [Read more...]

The Ten Traits of EXTREMEly Effective Couponers Trait 1: They Have Defined Goals


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Effective Couponers As we embark on the 4th quarter of 2011, I feel it is important to focus on fiscal responsibility & being effective couponers.  Certainly this means the EXTREMEly effective use of coupons, but there is much more involved with fiscal responsibility.  After all, what is the point of couponing if you don't know how to manage the money you are saving?  Most people that have only been couponing for a short while become enamored with the idea of getting huge amounts of … [Read more...]

Postal Rate Increase Effective January 22, 2012


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Postal Rate Increase The Coupon Wizards do our best to let you know about things that are going to affect your wallet.  This postal rate increase is going to affect all of our wallets so I wanted to do a quick post to let you know about the increase in postage rates that is going into effect on January 22, 2012.  I am not reporting all of them, just those rates that will affect our insert service, Insert Insanity. Priority Flat Rate Envelope    Was $4.95  New Rate $5.15 Priority Flat … [Read more...]

Budgeting On An Irregular Income


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Irregular Income Budgeting 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 budget-er. 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 … [Read more...]

Save Money on Your Satellite/Cable Bill the Wizardess Way!!!


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Save Money on Your Cable Bill Here’s a tip to save money for you! I know a lot of people watch lots of TV, but in our house that’s just not the case. There are, however, a few things on TV that I absolutely can’t do without! That’s my football, House, and Law & Order Special Victims Unit. Not a lot of people are aware of this, but did you know that you can put your satellite service into vacation mode? And it probably works with cable too! And did you further know that there’s this … [Read more...]

Setting up Your Cash Envelopes


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Cash Envelopes System We have showed you that you don't have to rush out and buy a fancy cash envelopes 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 … [Read more...]

Debt – If You’re Serious About Getting Out of It, Answer the Phone


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Getting Out of Debt As we continue to work on teaching couples how to work on their household finances & getting out of debt, 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 … [Read more...]

Is Your Business Ready for the New Year?


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Getting Business Ready for the New Year This time a year is my favorite of them all, but probably not for the reasons you would think. As a small business owner, I enjoy the end of the year because it’s a slow time for me in my line of work and leaves me plenty of time to get my business ready for the new year. My clients are all out doing their holiday thing while I’m here at home doing mine; my year-end-wrap-up and working for David at The Coupon Wizards! As I was organizing my files and … [Read more...]

How do I Start a Budget?


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Starting a Budget 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 … [Read more...]

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