In Debt? This Is My Personal Story


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

In Debt? Here's My Story I normally don't share personal details unless you are an intimate friend, but I'm sharing with you because if you are in debt, you can do this too. I know you can because we are! Month after month I had to use the next paycheck to pay for the current bills. We lived like so many others do. We see it, we want it, we charge it. Sound familiar? January 2011 We were $90,000 in debt with credit cards and loans. As of February 2012 (13 months) we should have a … [Read more...]

Pay Your Children in Their Currency


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

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...]

Money Management – 3 Reasons to Negotiate Like Your Kids


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

Kids and Money Management How money management can work with kids. 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 … [Read more...]

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


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

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...]

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


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

Shopping for Cars 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 … [Read more...]

Shopping for Cars Tip #1 – Patience Pays Off


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

Shopping for Cars with Patience 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 … [Read more...]

Holiday Shopping Tips


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

Holiday Shopping Tips '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 utilize these holiday shopping tips or have a plan. Be reasonable. You do not need to buy something for every person you know and each of their family members. The holidays 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 … [Read more...]

Store Brands, Are They a Good Value?


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

Are Store Brands a Good Value? 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 … [Read more...]

Games Stores Play That Get Us To Pay


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

Go Into Games Stores Armed with Knowledge When was the last time you paid attention to the games stores play? 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 … [Read more...]

Spouse Coupon With You?


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

Does Your Spouse Coupon with You? Does my spouse coupon with me? Well, he 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 … [Read more...]

Couponing – How It Has Changed My Life


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

How Couponing Has Changed My Life Ready to hear how couponing has changed me? As I sat here this week and did my taxes, I also went through all my receipts. You see, I keep every receipt for every purchase I make and put them in an envelope by month. At the end of the year I go through them and toss what I no longer need. What really struck me this year is the realization of how my spending habits have changed. Last year at this time I was spending $850.00 a month on groceries and saving … [Read more...]

Sacrificing to Succeed the Wizard Valerie Way


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

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...]

Couponing Benefits & Misconceptions Explained


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

Couponing Benefits   We all know that couponing saves us money on groceries and other necessities when we do it right, but there are a couple of other perks to it as well. For instance, trying other brands, or maybe products, that are too expensive therefore we ordinarily pass them by. Any way I look at it, couponing has been extremely beneficial for us. The Misconceptions of Couponing and Excuses I don't cook - Do you do laundry, bathe, wash dishes, clean your home or have pets? … [Read more...]

Financial Records – Keep them to Help Get out of Debt


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

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...]

Financial Bumps in the Road & How I Handle Them


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

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...]

Tax Refunds are STUPID! Don’t Fall Into the Trap


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

Stupid 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 a tax refund (with the exception of EIC, and some special circumstances) STOP! If anyone needs an interest free … [Read more...]

Learnvest – Stop Kidding Yourself!


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

Learnvest Tips 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 … [Read more...]

92d3fe425d250a07f0690e7b9446fd75d36d34df8c1539a41f