Friday, January 28, 2011

Coupon Preview

Did you know that you can preview the coupons that are going to be in the Sunday paper? You can go to this website and check it out here

Happy Couponing!

Saturday, January 22, 2011

Free Credit Report

How many of you have checked your credit report annually? It's a good idea to do this, just in case there are errors that need to be corrected. Did you know that you can check your Experian, Equifax and TransUnion for free each year? Go to and request the report of your choice. To get all three, after you finish with the first report always go back and click on the tab that says back to Annual Credit Report to request your next one.

Free Budget Software

Here is great way to create a budget and it's free. It can help with investing, creating a buget, credit card debt and a whole lot more. Check it out here

BP Reward Card Program

We all have to buy gas right. BP has a great program where you can earn $10 BP Reward Card. Check out the site here and you can also register for this program.

Tuesday, January 18, 2011

We Did It!

Dave Ramsey's website is a wealth of knowledge to become debt free. Do you want to scream you are Debt Free, so do I? To help you get moving or to get gazelle intense check out this link:

I love hearing other people's testimony of becoming Debt Free!

Saturday, January 15, 2011

Getting Closer!

Emergency fund is the first step in becoming debt free in the book "Total Money Makeover." You should have $1000.00 saved. I am almost to my goal. It's getting exciting to think in 2 years we will be totally debt free!

Saving money has been tough but it's going to be worth it. Over the last few months I have saved a lot of money by using coupons on just about anything. I have found online coupons and coupons for clothes, shoes, groceries and dining out etc.

All of the money that we save is added to the emergency fund to be able to move on to step two "Pay off all debt by using Debt Snowball" faster. This step requires you to list all of your debt and pay off the smallest to the biggest. If you do this then you can see results quicker and you won't get discouraged.

"Live like no one else, so that later you can live like no one else" quoted by Dave Ramsey! I love this quote because while we will be sacrificing, we actually will be living like no one else. We are going to have to stop spending money on lots of things. This is going to be a very hard step. Someone suggested we do a budget, that it might help. Does anyone have an easy budget tool to use?

Until my next post, happy saving to get closer to your goal!!!!


I think I finally figured out how to stockpile. Now that I know how to do it, I wonder why did it take so long to figure it out. Do you stockpile? It really isn't that hard.

The first thing is to pay attention the the items that your family uses that goes on sale. For example my family uses Crest. Kroger puts Crest on sale for $1.00, in their 10 for 10 sale. You can either get many papers and collect all of the $.50 off of Crest coupons that double to $1.00 at Kroger or go to a site that you can purchase multiples of the Crest coupon. I used I ordered coupons and got them in a timely fashion. Now I am waiting for the Crest to go on sale for $1.00. My coupons for Crest expires on 1/31/11, so I must use them before then. When they do go on sale, I will have scored 21 free Dawn and 10 free Crest toothpastes for free.You just have to keep your eyes on the sale, usually when a competitor goes on sale, then the week after the other item does. Right now Kroger has Dawn for $1.49 and Colgate is on sale for $1.00, so hopefully before 1-31-11 they will be on sale.

What kinds of items are you stockpiling and how do you do it?

Tuesday, January 11, 2011


We have started saving our Emergency fund and don't you know it, every time we turn around something has come up that we needed to use some of it. Ugg! I am a natural encourager but staying encouraged has been hard. I have found that you can listen to the Dave Ramsey show on his website. Well I needed some encouraging and I got it. Listening to all of the people who have become debt free is boosting me up. If they can do it, so can we. So can you, if you are in trying to become debt free. Stay focused despite what you see with your natural eyes. Keep your goal in mind and keep plugging away at it.

Friday, January 7, 2011

Coupons, a great way to save money.

If you have children like I do, well you know when they get to a certain age they will try to eat up everything in your house. Well in the last few months I leaned how to use coupons. Let me tell you how that have come in handy with the new baby around. I have saved lots of money. I don't go shopping without them.

Coupons are like free money, who doesn't like free money! Using coupons with items on sale, makes for cheap to free items. I try not to buy anything that's not on sale. Did you know you can use multiple coupons on one product. Well you can, as long as the first few numbers at the bottom are different. You can use a manufactures coupon paired with an online coupon. Sweet huh!

I have done some great deals with basic couponing in the grocery store. My favorite store is Kroger. I like the 10 for 10's  and the "when you buy a certain number" that they always do. Last week they had Febreze Set & Refresh on sale for $1.49 when you buy 4 with using your Kroger card. Well I had 20 coupons for $1.50 off, so I got 20 for free and a .20 money maker. I am trying to get the hang of stockpiling. The only thing is, I don't find these kinds of deals as often as I would like. Does anyone know how to do this? Maybe you can give me some tips to achieve my goal. I would love to have my families basic needs stockpiled like toilet paper, toothpaste, dish washing liquid etc.

I said all of that to say this, If you have a budget set for groceries, try using coupons. With the money you save, you can add that to your savings to build up your emergency fund. Remember this is a new year, time to try new things. It won't hurt, it will only bless you. My goal is to be debt free in two years, God said all you have to do is ask, and it is yours. Are you asking????

Monday, January 3, 2011

Emergency Fund, who needs that!

Everyone should have one! You should have at least 3 to 6 months of money saved to cover living expenses for the unexpected. Our savings was depleted while I was on maternity leave for three months.

The first step in the "Total Money Makeover" is to save $1000.00 for the emergency fund as fast as you can. We CAN actually do this (I keep telling myself) It may seem trying at times but stop eating out, stop buying unnecessary cloths, shoes, stuff period! It has to be a lifestyle change. Little by little, if we stay focused it can be done! One thousand dollars is a small portion of what you are suppose to have but it will cover things like new tires, care repairs, home repairs etc. You have to start somewhere, right!

When we decided to do the "Total Money Makeover" we were getting tested. We know we have to save money. We had friends invite us to go to birthday parties, gift exchanges and outings that cost money. We stood our ground and had to say NO. It wasn't easy and at times I felt like caving in from the pressure. In the end it all worked it self out and we were able to put away a couple hundred bucks. Woohoo I am soo excited. The ball is finally rolling!

My final thought is, "Do you have an emergency fund? If so how many months did you save? Did you do anything radical to add to your fund? I'd like to read your comments.


Saturday, January 1, 2011

What will it take to be debt free?

Hello everyone. I hope you will enjoy reading about my husband and I becoming debt free.

It's a new year and it's time to get the ball rolling. We are going to become debt free in two years. I have pictured myself being debt free for years now. I have always had the desire but I didn't know exactly what to do. You see I am someone who has to figure out every step out before I do it. If I can't make sense of it, well it won't get done, period!

We are reading a book "Total Money Makeover" by Dave Ramsey and it has put a fire in me to become debt free. This book has paved the way for us. All of the steps are right there. It took the guess work out of it for us.

What will it take to be debt free? Lots and lots of sacrifice that is. It's going to be hard but we are up for the challenge.

Follow me through the next two years as I share my quest to be debt free!