Couponing Stockpile – How Can You Get One?


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Join me on MeWe! See everything I post (Easy signup here). Also join me on Telegram (also easy to sign up)! No censorship. No tracking. The best part about MeWe is live chat! Chat with me or other members in real time. I'm loving both so far. The best part? They're always FREE!   Couponing Stockpile Tips If you are new to couponing, there are going to be a lot of things that you are going to need to become comfortable with before you will truly be successful in your endeavor. One … [Read more...]

Auto Insurance – Trimming the Fat Tip #1


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Trimming the Fat on Your Auto Insurance As many of you know, by day I am a risk management consultant and licensed commercial property and casualty insurance agent.  I have a Certified Risk Managers designation as well as a Certified Insurance Counselors designation.  That means that I know a lot of stuff that is good for me to know, but basically worthless information to the population at large! However, I have decided to draw on some of that knowledge for at least a couple of the articles … [Read more...]

Get Out Of Debt? YES You Can!


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How to Get Yourself Out of Debt Get yourself out of debt, you really can do it! Like so many other people, our debt was in control of our lives. We were using the next paycheck to pay our current bills. How I managed it for so long is beyond me. Three years ago we started the Dave Ramsey Financial Peace program. I am not a spokesperson for his company, it's simply the program we chose to use and we are so grateful we did. I used the audio CD and listened to it over and over again. We … [Read more...]

Pay Your Children in Their Currency


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Do You Pay Your Children? 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 you need to pay your children 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 … [Read more...]

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


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Do You Have Emergency Funds? What could have been a major financial hit, ended up being no big thing for me this week. Why? Because we believe in emergency funds! 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 … [Read more...]

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


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Tip #3 for Shopping for Cars Before you start going ballistic sending me emails and commenting, please read this entire article on shopping for cars. 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 … [Read more...]

Designing Next Years Garden


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Designing Next Years Garden Now is the time to start planning and designing next years garden, not while you’re standing in the nursery contemplating every new plant that tempts you. Whether it be your whole yard or a pot you have been holding onto not knowing what to do with, I may be able to help. So lets spend some time looking at your garden now, viewing it objectively while your successes and failures make themselves known. When you're thinking of plants, think first of heights so you … [Read more...]

Emergency Fund – How Ours Saved Us


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Saved By the Emergency Fund Our emergency fund definitely saved us! 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 … [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...]

A PEEK into Wizard Melissa’s Stockpile(s)!


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Wizard Melissa's Stockpile How many of you stand in front of your stockpile and admire it? Come on. Admit it! I'm PROUD of mine, so I totally do! I organize it, and straighten it and brag about it and show it to everyone who comes over! Yep, I'm a proud couponer!!  My KIDS even want to show their friends when they come over! They enjoy heading down stairs to the "Grocery Store" to grab snacks or things for dinner. How Long I've Been Doing This I have only been couponing for ONE YEAR. … [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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