52 Week Saving Challenge: Week 38 + Tips To Stop Spending Money

52 Week Saving Challenge Week 38Another week another deposit transferred to my CaiptalOne360 Checking account. Feels pretty good to be getting closer to my goal of saving $1378! This 52 Week Saving Challenge has been an eye opener for me as well as a stress reliever for me. Let’s recap this week 52 Week Saving Challenge Week 38.

52 saving week 38

52 Week Saving Challenge Week 38

Week 38 Deposit – $38.00 Total – $741.00

Week 38 Reverse – $15.00 Total – $1273.00

 

This Week Recap

As I have been saying over and over again I am getting married this fall and as the date approaches we are getting busy and busier. So is becoming kind of hard to work online or post my 52 Week posts on time.

This week I wanted to go over how to stop spending money. Yes, stop spending money. We got into our financial mess because we were spending money. Money that could have been saved and spent wisely.

I wrote about this a few months ago and I think is time to go over it again because as the holidays approaches that’s when we tend to spend too much of our hard earned money.

Here are some tips to how not to spend money.

Write it down – Yes, again, with the writing things down. Writing it down will give you a clear picture of your expectations. Write down your shopping list. Write down your budget. Write down anything that will help you keep focus and not spend.

Budget – I go over this because without a budget you will not have any control of your money. During Christmas time is when we give to temptations and just shop. We don’t keep focus because we give to temptation.

Analyze your bad habits – My bad habits are deal sites. When I don’t want to spend money I simply delete any emails from those particular sites. I don’t look at Sunday’s ads. Looking at deals sites or ads gets me to start shopping for fun and that’s where I get in trouble. This is where having a budget and writing things down helps me save my money.

Cash only – If you have trouble with credit cards then simply use cash. Take your cash every time you go out and leave your credit cards home. This always works because you won’t be able to over spend.

Separate your needs from your wants – If you want to save money, if you want to not spend money then stick to your needs. Getting a new shirt is not a need. Getting your children more toys than you can count is not a need. Paying your bills, food, and home are your needs. Working on bringing the amount you pay on your bills, food, and home will also help you save money! Concentrate on your needs and you will save money.

By following these tips you will quit your spending money unnecessarily and help you save money and keep your stress down. Money doesn’t get us in trouble during the holidays, we get ourselves in trouble because of our spending habits.

Doing this challenge and saving money for Christmas will alleviate some of the financial stress during this time of the year. This 52 Week Challenge is not only about saving money but about learning how manage our finances better.

Want to join this challenge? Head over here to read all my posts. If you would like to download my 52 Week Saving Challenge file simply click here. I would love to hear how you are all doing with your 52 Week Saving Challenge. If you are a blogger that is doing this challenge we will love to hear from you.  Until next week keep on saving!

Free Manufacturer Coupons For 09/20/2014

Here are the Free Manufacturer Coupons For 09/20/2014. This morning you will find 5 printable coupons fromL’Oreal, Kellogg’s and so much more! These free printable coupons won’t be around for long. To print these manufacturer coupons simply click the image or print all of your favorite Coupon.com grocery coupons here.

 

Free Manufacturer Coupons For 09/20/2014


$2.00 off any ONE L'Oreal Paris Haircare Products
$0.50 off Nutri-Grain or Special K Moments™ bars
$0.50 off any ONE (1) Newman's Own Salad Dressing
$1.00 off any Six (6) Horizon™ Milk Boxes
$1.00 off off any Three (3) Horizon™ Mac & Cheese


$2.00 off any ONE L’Oreal Paris Haircare Products
$0.50 off Nutri-Grain or Special K Moments™ bars
$0.50 off any ONE (1) Newman’s Own Salad Dressing
$1.00 off any Six (6) Horizon™ Milk Boxes
$1.00 off off any Three (3) Horizon™ Mac & Cheese

Latest Coupons For 09/19/2014

Happy Friday! Fun, fun, fun! YAH!  Here are the latest coupons for 09/19/2014. This morning you will find 19 printable coupons from Olay, People Magazine, MORE HASBRO, and so much more! These free printable coupons won’t be around for long and I can tell you to print your favorite toy coupon as sales will starting soon! To print these manufacturer coupons simply click the image or print all of your favorite Coupon.com grocery coupons here.

Latest Coupons For 09/19/2014


$1.00 off ONE Olay Fresh Effects Product
$2.00 off ONE Olay Regenerist product
$3.00 off Nexxus Color Assure Hair Care Line
$1.00 off 9Lives Wet Cat Food
$1.00 off 9Lives Dry Cat Food
$1.00 off 9Lives Dry and wet Cat Food
$1.00 off any Raid Max Bug Barrier Defense Marker
$3.00 off any MONOPOLY or SCRABBLE game
$3.00 off any TWISTER, JENGA, or GAME OF LIFE game
$2.00 off any YAHTZEE game from Hasbro
$3.00 off any OPERATION or BATTLESHIP game
$2.00 off any CLUE or GUESS WHO? game from Hasbro
$2.00 off one CONNECT 4, SORRY! or TROUBLE game
$3.00 off PEOPLE and Burt's Bees Lip Crayon
$1.00 off Your Favorite Magazine
$3.00 off PEOPLE & Simple Facial Cleansing Wipes
$3.00 off Physicians Formula Nude Wear™ & People
$2.00 off PEOPLE Joan Rivers Tribute magazine
$3.00 off 1 Playtex Gentle Glide or Sport Tampons

Wedding Planning: Update & Tea Party Bridal Shower

My Frugal Bridal Shower

My friends, I’m here and still alive. Wedding is fast approaching and because we chose to keep things simple and as frugal as possible it has kept me very busy. This has been years in the making and the excitement is building. We are both happy and so our children who will take part in the ceremony. Regardless whether our budget is high or low, the stress level is ridiculous when it comes to wedding planning. We bowed to only do this once! ;)

As far as getting my self-uniting license in Berks County that was a bust. As the person in charge informed me that until the court orders it “it will never happen in his office.” He also explained that because it has not happened in his 19 years he has been in that office and because of his “personal legal opinion” he will not give a self uniting license out to anyone. Not even an Amish or a Quaker. I will be posting more about this as I took this further but decided that I would not wait for this office to grant me this license.

This last weekend  was my bridal shower and I wanted to tell you a little bit about it because I want you to understand why is important to stick to what you want and what defies you. I am blessed with good neighbors. What they have done for us since I’ve lived in this small town I can’t thank them enough. From helping us wen we lost our  house to a fire, to helping us build our home, I can’t tell you the love and appreciation I have for all of them. This weekend I was able to prove to my extended family and others how awesome they are and why I would do anything for them.

The location of my bridal shower was next door because my neighbor thought it would be beautiful to have a bridal tea party there. Her yard is beautiful and spacious. She has been wanting to do something for my wedding and she was glad to offer year resident to me. She baked the most delicious pies imaginable.

The decorations came from my budget buddy /friend and as you can see from the pictures they were beautiful.

All the games we played came from Gamesforbridalshower.com

Wild Flower Arrangement

The banners were created by us, neighbors, family, and friends. The flowers were created with flowers from the garden and also wild flowers found by the road.

The sugar cookies with our names and cake was made by my sister-in-law. The cupcake cake was something she saw in Pinterest and fell in love with.  The food came from family and friends! The tables and chairs came from family and friends.

Everyone took part and created this memorable shower for me and for that I am thankful. Everyone was budget conscious and knew that a simple shower I would love.

We played games, we ate, and laughed. We truly enjoyed this day! I was very humble and grateful that I have family and friends who care enough to do this for me. The same family and friends are helping us on our wedding. If this date was truly amazing and unforgettable I can only imagine our wedding.

I wanted to share this special day with you all and tell you how utilizing your friends and family can save you tons of money. Most importantly it makes you appreciate them even more! Is not about how big your bridal shower is, about gifts, or money, but about spending and celebrating a special day with the people that matter the most!

Latest Coupons For 09/18/2014: Transformers Coupons Plus More

Good morning my beautiful people! Here are the latest coupons for 09/18/2014. This morning you will find printable coupons from  Transformers, Sunbelt Bakery and more! These free printable coupons won’t be around for long and I can tell you that some will be gone pretty fast! To print these manufacturer coupons simply click the image or print all of your favorite Coupon.com grocery coupons here.

Latest Coupons For 09/18/2014


$5.00 off TRANSFORMERS toy purchase $19.00 or more
$2.00 off TRANSFORMERS toy purchase $9.00 or more
$0.55 off any Sunbelt Bakery product
$1.00 off 1 Two-pack of Scotch Double-Sided Tape
$2.00 off ONE Scotch Double-Sided Tape Applicator

Latest Coupons For 09/18/2014 Text Links

$5.00 off TRANSFORMERS toy purchase $19.00 or more
$2.00 off TRANSFORMERS toy purchase $9.00 or more
$0.55 off any Sunbelt Bakery product
$1.00 off 1 Two-pack of Scotch Double-Sided Tape
$2.00 off ONE Scotch Double-Sided Tape Applicator

$1 Off Silk Vanilla AlmondMilk

$1 off Silk Vanilla Almond Milk CouponCalling all Silk Fans!! Listen to this. A free printable coupon for Silk Almond Milk $1.00 Coupon available when you print here. When you print this manufacturer coupon you will receive points. If you have not tried this for yourself, its tastier than milk. Discover the great taste of Silk Vanilla Almondmilk by clicking here and taking advantage of this coupon.

Print your $1 Off Silk Vanilla AlmondMilk coupon here.

Credit Concierge – Free Credit Score & Report

Credit Concierge: Free Credit Score and Free Credit Report
As I mentioned, taking control of your finances is extremely important. I repeatedly tell you all to make sure you check your  credit score and such using free sites that do not require the use of credit cards. If you wonder where to get your free credit score or free credit report I got the answer for you. Today, I found a brand new site that gives you free credit score AND credit report as complied from TransUnion. This site is called Credit Concierge and what’s good about this site is that there is no strings attached, no need for credit card number and you manage your credit. Credit Concierge  advices you based on your needs!

So if you are looking for free credit score and free credit report head over here, to Credit Concierge.

Below is a preview of their credit report. Very simple and clean.

Below a preview of their dashboard. Again, clean and simple. Makes it easy to manage and understand.

 

Credit Concierge is a great and free way to start taking control of your finances. Believe me there’s nothing less stressful than knowing where your money is going.

Latest Free Printable Coupons For 09/17/2014

Happy Wednesday!  Here are the latest free printable coupons for 09/17/2014. This morning you will find printable coupons from Well Beginnings, and much more! These free printable coupons won’t be around for long and I can tell you that some will be gone pretty fast! To print these manufacturer coupons simply click the image or print all of your favorite Coupon.com grocery coupons here.

Latest Free Printable Coupons For 09/17/2014

$1.50 off one box of Well Beginnings Diapers
$2.00 off ONE (1) Feline Pine™ 20 lb. Bag
$1.00 off one Odwalla beverage, any variety

Latest Free Printable Coupons For 09/17/2014 Text Links


$1.50 off one box of Well Beginnings Diapers
$2.00 off ONE (1) Feline Pine™ 20 lb. Bag
$1.00 off one Odwalla beverage, any variety

NESQUIK Free Sample – Back Again!!

Free Nesquik Powder SampleIn case you missed this freebie is back again! NESQUIK Free Sample is available to you when you click here. Nesquik has 25% less sugar than the leading syrup brand! I received my samples and yes you get 5 packets! You also get $1.50 coupon!!

nesquik free samples

Sample pack includes five (5) NESTLÉ® NESQUIK® stick packs and a coupon to save $1.50 on your next purchase of any size, any flavor of NESTLÉ® NESQUIK® powder. Offer good in the US only. Offer valid only while supplies last. Limit one (1) sample pack per household or address. Please allow 6 – 8 weeks for delivery. Offer may not be republished without written consent from NESTLÉ®. Void where prohibited or restricted by law.