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In January of 2009 I started looking for ways to save money. My first attempt was making my own baby wipes! Little by little I'm learning to be more frugal and working toward my goal of a debt free life. As I learn, you can learn too!
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Ways I Save {Labels}
- Build Your Own Furniture Blog (1)
- Coupon/Sales (showoffs) (7)
- Craig's List (1)
- Debt-free (7)
- Free Stuff (1)
- Frugal Tips (14)
- Homemade Gifts (3)
- Online Shopping Rebate Programs (4)
- Paid Surveys-etc. (2)
- Produce in Season (5)
- Recipes (3)
- Refurb/2nd Hand Gifts (2)
- Refurbished (1)
- Sale Cycles (6)
- Thrift/Consign. Stores (1)
- Yard Sales (1)
Teach Your Children About Money
Aiming for a Debt Free Life
I know this is very personal, but I want to show how possible it is to pay off your debt even when it seems overwhelming. I was horrified when I actually added up the numbers for the first time in March 2009. We do without a lot, but it's so worth it.
Debt to pay off:
*Hospitals PAID 7/09
*Credit Card #1 PAID 9/09
*Credit Card #2
*Auto PAID 2/10
*My Student Loans
*Hubs' Student Loans
*Rental House Mort.**
Total Debt:
2/10-$142,255.49
12/09-$154,071.71
9/09-$156,116.37
9/09-$157,596.49
3/09-$164,336.93
(**we owned our own home and had to move and decided to rent it out. We are currently renting until we know where we want to settle down permantly)
Debt to pay off:
*Hospitals PAID 7/09
*Credit Card #1 PAID 9/09
*Credit Card #2
*Auto PAID 2/10
*My Student Loans
*Hubs' Student Loans
*Rental House Mort.**
Total Debt:
2/10-$142,255.49
12/09-$154,071.71
9/09-$156,116.37
9/09-$157,596.49
3/09-$164,336.93
(**we owned our own home and had to move and decided to rent it out. We are currently renting until we know where we want to settle down permantly)
Blog Archive
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2009
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October
(40)
- Re-Gift Halloween Candy?
- Homemade Gift: Single Serving Pie in a Jar
- Harry Connick Jr CD giveaway
- I Need Homemade Christmas Gift Ideas!
- Email Me
- Old Navy Coupons Giveaway @ EADFL
- Kodak $15 gift code Phase Two
- Frugal Tip: Dessert Party
- Old Navy Coupons Giveaway @ EADFL
- 70% off Restaurant.com Certificates
- BOGO Snapfish 8 x 11" Custom Cover Books and other...
- Redesigned Recital Costume for Halloween
- Queen of Hearts and Alice in Wonderland Costume Se...
- Home Made Simple $35 coupon book AGAIN!
- Kodak: $15 off code
- Old Navy Coupon Winners
- Giveaway: Two Old Navy Coupons $50 off $100! CLOSED
- Free Sample: Toddler/Baby Snacks
- SwagCode 10/12/09
- Last Day for 80% Restaurant.com
- Frugal Tip: Phone Service
- Allowance Chart
- SwagCode 10/9/09
- Mega SwagBucks Day!
- SwagCode 10/8/09
- Recipe: Goolash
- Old Navy Thrusday
- What is SwagBucks?
- Frugal Tip: Homemade Stain Remover
- Our Story
- April's Savings
- Old Navy Trip
- October Produce
- Sales and Deals to look out for in October
- Free Calendar
- A few freebies
- Target Clearance
- I Got the 50!
- This is sooooo stressful!
- Old Navy Thrusday!
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October
(40)
Learn to be debt free!
Why go into more debt to pay for information on how to get out of debt? Doesn't make sense. My church has a couple of pamphlets to help you financially. One For the Money and All Is Safely Gathered In. "One For the Money" is based off a talk given to members of our church in the 70's. It has an example of a Debt-Elimination Calendar and a blank one for you to use. This is what I'm using to get out of debt. I've created my own spread sheet using the same plan. They also have a blank budget sheet. "All Is Safely Gathered In" is pretty much a shorter version. Most of this information is what any financial advisor will tell you. And I've even heard Suze Orman and others say most of the same things. We may pay 10% tithing to our church, but most of the financial advisors I see on TV will tell viewers to pay 10% to charity. This information is free! So take a look at it today!
Notes
- 9/10/09-Recipes are not necessarily frugal. The savings is cooking it yourself and not eating out or buying prepackaged meals.
- 8/22/09-After about a year of on again, off again couponing I think I finally got the hang of it. I'm still learning, but I think I'm getting the hang of it! What a rush!
Some other sites I use
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