What are The Coupon Wizards Webinars and What Can I Expect?


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People ask me all the time: "What are the Coupon Wizards Webinars?" so I decided I would finally take a few minutes and write a quick post about them. One of the things that I decided when I launched The Coupon Wizards in January 2011 was that I wanted our page to be different. I wanted it to be more a family or community than just a page that spit out information but was never around when it was time to answer questions. To this end, I began to develop a series of live, online training sessions … [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...]

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...]

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...]

Save Cash while Cleaning up Baby Clothes!


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As we prepare for the arrival of our new baby in September, we are finding a lot of wasted money. There are so many baby clothes that were bought for Ethan that are basically just collecting dust these days. As you know, I am not one to leave money hiding in a dark corner of my house. I am all about turning unused stuff into cash! Enter Reemarkit. Reemarkit is a free online service that allows you to list you unwanted items or shop from other peoples' listings online. The best part? You don't … [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...]

Increase Your Financial IQ


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One of the biggest New Years Resolutions (probably right behind the diet/weightloss/eating right one) is to start the new year off on a better financial foot. Whether that is cutting spending, saving more, doing both - or just making the decision to START, you are headed in the right direction. We can all fall off the financial wagon during holiday shopping season. It happens, but it's past. Put it behind you, log it as a stumble, learn from it, and move on. You can start off the new year … [Read more...]

A Budget Within A Budget


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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...]

Are Store Brands A Good Value?


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  Store brands have come a long way since their inception in the 1970's by Ralph's Super Markets and almost every store we shop at now have their own store brand products on the shelves next to the brand name products but are they a good value? In many cases yes they are. When we buy brand name products we are also paying for their research, packaging, marketing and every other expense they incur to bring that product to us. Where do store brands come from? Many store brand products come … [Read more...]

Games Stores Play That Get Us To Pay


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  I have no doubt that some or all of these tricks have gotten our attention at one time or another. Stores play games to drain our bank accounts.  Are you a fighter, walking out with your budget in tact? I'll admit it, I haven't always been the worthy opponent, but  I am now far more aware of the spending decisions I make and the impact they have on our finances. You might think that $9.99 top at Walmart or $5.00 cup of coffee you drank on your way to work this morning is no big deal but … [Read more...]

Does Your Spouse Coupon With You?


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Mine does not 'grocery coupon' or go to the market with me and frankly I am ok with that. I have an efficient system that works very well for me and any deviation costs me time and in some cases money. His interest in groceries go as far as eating them. The biggest problem is that he likes to push the cart and that just messes me all up! What my husband does do is support me. He shares my shopping adventures with his buddies and the ways I save money including the overall effect it is having on … [Read more...]

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


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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 planning ties directly into having … [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...]

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...]

3 New Year’s Resolutions for Every Couponer


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As Christmas approaches and we think forward to 2012, every couponer should be making their New Year's Resolutions.  I have taken the lat week myself to look back over the past year and determine what we could have done to make our household's financial position even better.  We are certainly at the mercy of the manufacturers to realease great coupons.  We are held captive by the stores to make sure that the sales are good and the couponing policies easy to read and follow.  We pray that … [Read more...]

Stop Kidding Yourself!


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Stop Kidding Yourself!  That was the title of the email that I got from Learnvest today!  That was enough to make me click the link and read the rest of the article.  Inside, I found an article that listed the "10 spending excuses you need to nip in the bud today".  How does that apply to you?  Do you need to be challenged?  Do you need to be confronted about staying within your budget?  Once of the best ways that you can program yourself to stay on track is to receive daily digests and snippets … [Read more...]