3 Surprising Reasons To Use Coupons To Reduce Debt

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3 Surprising Reasons To Use Coupons To Reduce DebtEach year it seem that the  groceries prices continues to go up while our wages maintain the same or decrease. This is the sad truth in our country. Have you seen the price of dairy in PA? Milk price over $4.00, price for eggs have gone up 5.7%!!  Each week I take the time to look at our local grocery stores weekly sale ad to come up with the best plan to save money on my groceries. When you are in debt and paying off debt, things like price increases on groceries can be a big deal to your budget and debt reduction plan.

When I decided to pay off my debt years ago, I began to increase my use of coupons. Please keep in mind that I am not an extreme couponer nor do I recommend that you become one. When I started to increase my use coupons toward my groceries we were able to put a dent to our debt.  If you are not using coupons here we have 3 reasons why you should if you want to reduce your debt.

3 surprising reasons to use coupons to reduce debt.

Surprising reason number 1 – It helps you save money. That’s a given there. However, if you are not careful you can spend more than what you think. If you are using coupons to reduce debt then the best way to use coupons is to buy what you need, not a year supply worth of things. Using coupons can reduce your grocery bill dramatically if used wisely. With a budget and a plan you can save 20% even more on your grocery list. I recommend taking what you saved on your grocery towards your debt. This will help eliminate your debt faster.

Surprising reason number 2 – It helps you track you spending. Yes, if you are using coupons to reduce your debt this mean you are tracking your spending. When I started using coupons to reduce my debt, I became more aware of my spending habits and where I was spending my money. When you use coupons each week to reduce your grocery bill, you become more away of your spending because you are now shopping with a “money saving” mindset. You become aware of how much you are saving when you use coupons. You look at that receipt and look at your total saving amount. With this “money saving” mindset not only do you use it toward your grocery spending, but your entire finances. Which lead to a faster way to reduce your debt.

Surprising reason number 3 – It keeps you motivated. Once I started to use coupons to reduce my debt, I became motivated. Each week, I will budget and use coupons to reduce my grocery bill. I will then use what I  saved towards my debt. No matter the amount I saved using coupons, I will add it towards my debt. Once I started to see how much my debt was going down it just kept me motivated. Motivation is important in this debt free journey.

These 3 surprising reasons to use coupons helped me reduce my debt. Even till this days, after paying my debt, using coupons continue to keep me debt free. Like anything, it takes time to get the hang of using coupons. Just like creating a budget for the first time, you will not get it right the first time. Practice makes perfect and that is the same with coupons. Another key factor, never compare yourself to others. I know I used to read blogs where people will feed their family of 15 with $5 a month. OK, maybe I’m exaggerating but you get my point.

Coupons are great tools to help you reduce your debt. It worked for me and many others who decided to take take control of their finances and become debt free. I hope  these 3 surprising reasons will change your mind about coupons when tackling our debt. Using coupons is not for the poor nor for the elderly. Is to help us save money. We are just taking it further and use the saving to reduce our debt.

What other ways have coupons helped you reduce your debt?

 

Why We Don’t Buy Toys For Our Children

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Why We Don’t Buy Toys For Our Children(1)

You read the title, Why We Don’t Buy Toys For Our Children and before you  think of us a mean parents,  we are not. Just read the post before you pass any judgment on us.

We love our children and we want to make sure that their needs are met. We want our children to grow up to be responsible people. When I was a single mom, I lost my home to a house fire. I mean lost everything, baby pictures, birth certificates, etc. We had no shoes, no clothing, no ID. This tragedy changed the way I view material things and for that reason I don’t care much for material things. I know I post about deals and toy coupons and the reasons are because I want you to save money on whatever you buy.

Not long after the fire I met my future husband and father of our 2 boys. Fast forward to now, my home is clutter free and semi organized after having two little boys running around. I take pride that it doesn’t take me long to clean my house. A couple of pictures embrace the walls of our home and the reason is because I don’t have pictures of my daughter as a baby and the guilt of not having them prevented me from hanging pictures of my boys as newborns. Someday I’ll get over that is a work in progress.

My children are the only grandchildren in my family. The boys are the only grandchildren in his side of the family. As a former over spender who spoiled her only child for many years, I can tell you that the amount of toys my daughter had was insane. After the fire I was able to salvage her precious dolls and a few things.

When my first son was born he got toys. He seemed to receive toys from each member of the family. He had toys everywhere he visit, grandparents house, aunts house. Bikes, cars, puzzles, all kind of toys. The toy boxes seemed to start multiplying in our home. Birthdays and Christmas was like an explosion of toys all over the place.

During this time my first son was born we were attacking our debt and trying to become debt free.  While working on our July budget, we decided that we should not buy our kids (my daughter’s birthday is August 3rd) any toys. This seem a bit harsh to some people, but if you think about it we didn’t really have money to spend on toys when he has toys to play with anyway. We were in debt and trying to make it. Our children will survive if they get not toys for their birthday. A birthday should be about making that person feel special. We celebrate with a cake and their favorite food in our home every time someone has a birthday. Is not about toys or how many gifts you get on a birthday. Is about celebrating and making memories with family.

That’s when we decided that we weren’t going to purchase any toys at all. I became pregnant with our second son and the same thing happened on his first birthday. No toys. We celebrated big and made memories, it was simply a special day for my baby boy.

Did they receive toys from other family members? Yes, as much as we clearly state NO TOYS, grandparents don’t listen! They know what we are doing and why we are doing it and they have cut down on all the toys they buy. When your garage is full of toys and you can’t park your car there the point has been made!  After the years they are seeing the point we are trying to say and cutting down tremendously on wasting money on toys our boys will only play for a few.

Not buying toys doesn’t make anyone bad parents. Being judge by the amount of toys you purchase your kids is ridiculous. The point we are making is that toys don’t make our children happy. Toys don’t make our children good people. We don’t want entitled kids that think they get toys as rewards or whenever they want.

When we go to the store, I don’t get them toys. I don’t rewards their good behavior with a toy, good behavior is expected all the time.  I don’t want my children to feel that they are entitled to receive a toy from the store because they are behaving good. Nope doesn’t work like that.

I’m not saying I won’t buy them anything but I think toys, especially when they have closets and basement full of toys, is not worth spending money on. I remember buying my daughter tons of toys for Christmas only for her to play with them for a few hours and never again. Because I worked so many hours the guilt made me spent money on her. After the fire, things change for both of us and I think for the better.

I’m not saying parents should not buy toys for their children. I’m saying that why spent money on toys they are not going to play with them for the long run. If you are going through a financial crisis like we did when we made this decision,  you will understand. Your child will be OK.

Are the boys happy? Yes, they are happy. As much as we tell our family not to buy them toys, they still do on occasions. However, that doesn’t mean they will have access to it. You see, we replace toys in our home every month or so. The toys that are in the basement come up and the ones in the rooms are sent to the basements. The boys think they are brand new toys and they play with them like it’s their first time.

Once they outgrow the toys we will sell them or donate them. The amount of toys your children have doesn’t mean you are a good or bad parent. Is what you teach them that does. We, as parents, overspend on toys for our children for some reason and don’t look at the big picture.

Let’s see how much you spend on toys this Christmas season and see how much time they will spend on toys. I can guarantee you that a simple box will be just as fun! ;)

Think of the clutter you will eliminate. Think of the money you will saving, but most importantly think of the lesson you will instill on your children.

 

 

Today Is The Day!!!!

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Married Today BitchesAll these months of planning, my friends, today is the day! I will be out for a few days. Make sure you visit my scheduled posts. Super exciting time for me and my family. I love you all and thank you for the love and support.

Da Bride!

52 Week Saving Challenge Week 43

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52 Week Saving Challenge Week 43Another week has passed and the challenge continues. 52 Week Saving Challenge is running as schedule and I’m getting married in a few days. Things are pretty crazy around here to be honest. Let’s go over this week 52 Week Saving Challenge Week 43 and see how I’m doing.

52 Week Saving Challenge Week 43

Week 43 Deposit – $43.00 Total – $946.00
Week 43 Reverse – $10.00 Total – $1333.00

This week recap

My friends the day is arriving and our wedding is approaching. That being said, it is extremely busy around our home. Planning a wedding is hard and stressful. Planning a wedding when you have children and a family is even more stressful!

We have still not decided fully if we will be using our 52 Week Saving Challenge fund for our honeymoon, but I am thinking we will keep this option open. Last week update I talked about using this weekly challenge money for our honeymoon.

The reason I have not posted a picture of my account is because quite honestly I have been busy. Once I get back from our honeymoon things will get back to normal and I will. Since this week marks the less than $10/week deposit I can’t really complaint about how much is affecting my budget because the hard work was done back in the beginning of the year.

The beginning of the year was such a high amount each week and so challenging for us but we made it. If we overcame that by planning, setting goals, budgeting and sticking to a plan, you can too.

I know that these last weeks are going to be the toughest one since for those doing the challenge the “normal” way. Just remember not to give up you are so close!

Next week’s 52 Week Saving Challenge recap might not happen as we will be in our honeymoon. I didn’t forget to set up auto deposit so the weekly saving amount will be transferred to my checking account.

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!

 

Latest Online Coupons For 10/23/2014

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Latest Online Coupons For 10/23/2014

Happy day to all!  Latest Online Coupons For 10/23/2014 are here! You will find 8 brand new free printable coupons available to print from coupons.com. These latest free printable coupons are for Speed Stick GEAR, Lipton K-Cup, Alive!, and much more. To print these manufacturer coupons simply click the image/text links or print all of your favorite Coupon.com grocery coupons here.


Buy any Speed Stick GEAR Deodorant, Get 1 Free
$2.00 off one Lipton Tea K-Cup pack
$2.50 off any Alive! B-Complex
$3.00 off any Alive! Calcium Gummies product
$2.00 off any Alive! Multi-vitamin
$1.00 off Any Two (2) Tasty Bite Heat & Eat Rice
$2.00 off South Beach Diet Snack Bars
$1.50 off any Joint Juice product


Buy any Speed Stick GEAR Deodorant, Get 1 Free
$2.00 off one Lipton Tea K-Cup pack
$2.50 off any Alive! B-Complex
$3.00 off any Alive! Calcium Gummies product
$2.00 off any Alive! Multi-vitamin
$1.00 off Any Two (2) Tasty Bite Heat & Eat Rice
$2.00 off South Beach Diet Snack Bars
$1.50 off any Joint Juice product

Latest Online Coupons For 10/22/2014

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Latest Online Coupons For 10/22/2014Good morning! Latest Online Coupons For 10/22/2014 are here! You will find 1 brand new free printable coupon available to print from coupons.com. These latest free printable coupon for$1.00 off any THREE Kellogg’s Cereals. To print this manufacturer coupon simply click the image/text links or print all of your favorite Coupon.com grocery coupons here.

Latest Online Coupons For 10/22/2014


$1.00 off any THREE Kellogg's Cereals

Christmas 2014: Earn Reward Points

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Points2Shop Earn Free Rewards

Christmas 2014 is approaching and getting an  start is key to a successful holiday season. Anything we can to get extra ready financially is top priority. One way that we save money is by earning rewards points.

How is earning reward points saves you money?

Today I wanted to talk to you about Point2Shop where you can earn free rewards and point from shopping and more. When we accumulate enough points, we then exchange these rewards points for products such as gift cards. The great thing about this is that by doing it that is easy and simple and free.

Sign up now and get 250 free points and join the millions of members that are earning points and getting FREE rewards.
These free points are redeemable at Amazon.com. If you shop at Amazon.com this will surely help you save money! Remember that Point2Shop is free!

 

Latest Online Coupons For 10/21/2014

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Latest Online Coupons For 10/21/2014

Good morning! Latest Online Coupons For 10/21/2014 are here! You will find 1 brand new free printable coupon available to print from coupons.com. These latest free printable coupon for $1.00 off any Scrubbing Bubbles Toilet Product  . To print this manufacturer coupon simply click the image/text links or print all of your favorite Coupon.com grocery coupons here.

Latest Online Coupons For 10/21/2014


$1.00 off any Scrubbing Bubbles Toilet Product


$1.00 off any Scrubbing Bubbles Toilet Product

5 Ways To Make Cash Before Christmas

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5 ways to make cash before Christmas(1)

As a stay at home mom finding ways to make extra money is one of my top priorities. I know how stressful the holiday season can be on finances. I been there and done that. Since paying my debt and getting my finances under control I have found that starting earlier and planning for the upcoming holiday season is the best way to relieve the financial stress that comes with Christmas season.

Finding ways to make extra cash before Christmas is not as hard as you might think. These tips are not to make you rich but to give you a little extra cash to help you during the holiday season. Hey, something is better than nothing, and depending on how hard you work at it the amount of cash will be higher.

With these helpful tips you will be able to do it from home or when you go out shopping. If you have internet and/or a smart phone you will be able to make some extra cash before Christmas is here.

5 Ways To Make Extra Cash Before Christmas

Online surveys. Yes online surveys are a good way to make some extra money. You can find a list of legit online survey company that do pay real money. My suggestion is to make sure you assign an email just for surveys as sometime you will get overload with emails from these companies.

Swagbucks – I have said this before and will say it again, this is a great way to earn some extra cash by accumulating Swagbucks. You can accumulate enough Swagbucks to cash out a paypal gift card. For more details about Swagbucks click here.

Smart Phone Apps – Smartphone apps that pay you cash when you shop are popular and worth it. There are tons of apps that pay you money to mention them all here. How they work you get a small rebate from qualifying items. When you purchase the item you scan the receipt and money will be credited to your account. After you reach $5 depending on the app you are using, you can transfer it to your bank account, paypal, or get a gift card. Again, depending on the smart phone app you are using as each one has different sets of rules. With these app you can even get rebate for milk, vegetable, fruits and more! For more information about Apps that pay you money click here.

Sell unwanted items – Get rid of items you don’t want nor need anymore. This is a nice way to earn some extra cash. Have a yard sale, use your local Facebook yard sale page, Graigslist and get fast cash for your unwanted items.

Babysit – Believe it or not you could a make some extra cash during Black Friday week by simply offering babysitting services. Tons of people want to take advantage of those crazy Black Friday sales, the problem is that in recent years those sales occur at night until early morning. This is when you come in, offering to baby sit your friends kids for a small fee will give them the freedom to shop without their children.

Once you start earning extra cash save it away. Deposit it in a bank account or in a cash jar (pickle jar in my house) until the money is needed. Again, depending on how hard you work at it the more cash you will get for Christmas. Starting early is the key to how much money you can get so make plan and make it happen. You don’t have to leave your home or get a part time job to make extra cash when you can earn it from home or when you shop.

What other way can you make extra cash before Christmas?

Latest Online Coupons For 10/20/2014

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Latest Online Coupons For 10/20/2014Good morning! Latest Online Coupons For 10/20/2014 are here! You will find 2 brand new free printable coupons available to print from coupons.com. These latest free printable coupons are for Listerine. To print these manufacturer coupons simply click the image/text links or print all of your favorite Coupon.com grocery coupons here.

Latest Online Coupons For 10/20/2014

$2.00 off any (1) LISTERINE NATURALS Mouthwash
$0.75 off any LISTERINE NATURALS Antiseptic Rinse



$2.00 off any (1) LISTERINE NATURALS Mouthwash
$0.75 off any LISTERINE NATURALS Antiseptic Rinse