Trimming the Fat Tip #1 – Know your Auto Insurance


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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 having to do with the trimming of fat in … [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...]

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...]

Get Your Kids Under Contract


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Teaching your children about money is probably one of the most important gifts you can possibly give them.  I think it's despicable that kids today aren't required to take some sort of a household finance class before they are allowed to graduate from high school.  Let's face it, they are doomed from the beginning when they get to college.  They meet the people soliciting them for credit cards before they meet their advisors.  It's no wonder that the average college student leaves higher … [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...]

Setting up Your Cash Envelopes


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We have showed you that you don't have to rush out and buy a fancy envelope 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 want to be sure to keep track of … [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...]

Tax Refunds are STUPID!


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Yeah, that's right, I said it. Tax returns 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 return (with the exception of EIC, and some special circumstances) STOP! If anyone needs an interest free loan, it's you! Figuring out … [Read more...]

Don’t Fall for These 9 Spending Tricks!


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Quick: Pop quiz! When you go to your favorite grocery store, do you choose a cart instead of a basket? Hum along to the tune that’s playing? Or accept a sample of the new gouda cheese or pine nut hummus on offer? If you answered yes to any of the above, you were likely seduced into spending more than you intended. And insidious ploys to get you to open your wallet are also going on at malls, in dressing rooms and on shopping websites across America. The excerpt above came from this … [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...]

Want to get your budget right? Start by “sharpening the saw”!


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In the 7 Habits of Highly Effective People, author Steven Covey tells us we must "sharpen the saw".  Simply put, we need to improve our knowledge and refine our skills every single day.  One of the best ways to do this is to "force feed" ourselves. I subscribe to several different daily newsletters that are waiting for me each morning when I wake up.  They range from religious to financial to parenting  and more.  I do this because it allows me to digest my first cup of coffee each day while … [Read more...]

Budgeting Spreadsheets Demo Recorded Live!


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Here you go!  This is the live demo of the official Learning2coupon budgeting spreadsheets.  Hopefully you will find these as useful in your home as we have in ours.  As with all of our other posts, if there is something you see that you think would be able to be an improvement, please don't hesitate to email me at admin@learning2coupon.com.  If you want a copy of these sheets, please use the directions at the very end of the video. … [Read more...]

Stop Pretending You’re Rich and Get Outta Debt: Recorded Live!


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Here is the live recording of last week's webinar on getting out of debt.  This is the second part to our financial series on household finance. If you are struggling with making it from month to month, we want to show you how using coupons can help you live a debt free lifestyle!  As with any of our posts, if you have questions that you need answered, feel free to email me at admin@learning2coupon.com. … [Read more...]

Building a Budget For Wealth – Monthly Budgeting Spreadsheet


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This recorded webinar walks through the new spreadsheet that was created to help each of you build your own monthly budget.  As with our other spreadsheets, it is relatively easy to use (fill in the blank) and will calculate your remaining income at every subtotal.  If you are a Mac use, you can download Open Office so that you are able to use the Excel file.  If you have questions about the spreadsheet, you may email me at admin@learning2coupon.com. Remember, there are 2 tips that I give to … [Read more...]

Building a Budget for Wealth


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Building a budget for Wealth is the first webinar in our series of webinars on household finance.  If you don't have a budget currently, this video will give you a good place to start.  It is also the foundation of any successful financial plan.  If you find yourself having more month than you have money, take some time and check this out.  You will be glad that you did.  As always, if you have specific questions about the materials contained in our presentation, please feel free to email us at … [Read more...]