December 30th ~ What Have YOU Done to Get Debt FREE ?

One of the biggest reasons for creating MommyLuvs2save was to create a community of moms and dads who want to help their family save money when buying essentials in order to free up money for debt repayment. My own family has paid off over $111,500 in consumer debt including credit cards, student loan debt and 2 vehicles. I am a teacher at heart. I want to use the skills that I have learned to help YOU ditch debt. I want to encourage each of you in your efforts so that one day you can feel the freedom of being debt free. I’m not quite there yet either (we still have a mortgage) so I need encouragement as well :)

It can be very difficult to pay down debt. There are many temptations to spend money. We live in a culture that encourages debt and spending. In addition, expenses come up and there never seems to be any extra money for paying down debt. I want to urge each of you to participate in a challenge. Just leave a comment about one positive step you’ve taken for your family each day. Did you eat in instead of going out? Did you save money at the grocery store? Did you pay extra on your credit card? Leave a comment below and we will cheer one another on every day and every step of the way.

The challenge is to leave a comment about what YOU have done to work on getting debt free each day. One winner will be chosen to win a $50 Amazon gift card at the end of each month. To participate in the challenge you must comment on at least 10 posts during the month.

* I will also be sharing my progress from the day prior.

My Progress:  We woke up to a blizzard yesterday morning.  I think we were only supposed to get an inch or so, but we ended up with much more than that.  My parents stopped by in the morning to fill up and hang bird feeders that they bought for the girls for Christmas.  Olivia got a purple one and Kayla got a pink one.  We watched all day, but didn’t have any birds.  I guess they don’t realize we’re feeding them yet, + the snow…  I’m sure the bird feeders will provide us with lots of FREE entertainment.  I may have to take them down in the summer though because I don’t want the birds to eat all of my blueberries before I get the chance to pick them.

We went out for lunch across the street with a gift certificate. We got $35 worth of food for $10.23.  That’s my kind of dining out deal. The restaurant has floor to ceiling windows, so we sat for awhile just watching the snow fall.   My favorite frugal fun yesterday was a FREEbie trip to Kmart.  I had $40 worth of FREE Kmart cash on my card that I had to spend by last night or it would disappear.  I think most of it was from holiday shopping.  They were giving out $10 for every $50 you spent at one point.  I was able to get some clearanced winter clothes for the girls and a LOT of cereal and juice for FREE.  My whole cart full was FREE and the girl looked up my rewards.  I only had $.02 left to spare.  I couldn’t do that again if I tried ~ ha ha. 

We ate in for dinner. I had cooked, drained and frozen a bunch of ground beef so it was super simple to get dinner on the table. I made sloppy joes, mac ‘n cheese, green beans and applesauce.  Everyone cleared their plates.  I spent the night having fun with the girls and doing drugstore deals while watching Suze Orman after they went to bed.  It was my usual Saturday night excitement.  I have to go to Kohl’s with some Kohl’s cash either today or tomorrow before it expires. 

What did you do? Leave a comment We’d love to hear about it :) You could make 2012 your year. Who will the December winner be ? We’ll see…

Karen Young from mommyluvs2save.comI am a mom who has paid off $111,500 in debt in less than 4 years by saving money at the stores and putting all of our extra $ on debt. Subscribe to my FREE Daily Newsletter so that you can get my free updates and NEVER miss a deal. Thanks for visiting!


  1. Beth says

    My husband’s boss gave him 4 tickets to a UVA basketball game today so we will take the boys to that. If I have a chance I’ve got a couple of things to return to stores & $10 to spend at JCP.

  2. Yvonne says

    I worked a 10 hour shift yesterday. Did buy lunch ($3) as kind of a mini “last hurrah” before the new year arrives. I’m ashamed to further admit that my meal was anything but healthy. Now after stepping on the scale this morning, its definitely time to climb back on the wagon. I was able to earn 196 swagbucks, so I was happy about that.

    • Beth says

      I’m with you there. I’ve eaten my way through December! I’m back on the wagon jan 2, after a party at my neighbor’s New Years Day. Yeah, I feel fat.

  3. Lori says

    I can’t even talk about how much I spent yesterday. I took my son to the mall and ended up buying him clothes. I feel like he’s had a hard year at school and I guess I just wanted to spool him a little. I did take stuff back too so some of it cancelled out I guess.

  4. Emily says

    Yesterday was a snow day so it was a no spend day for us. Later today a friend of mine is coming over with her daughter who is a month younger than C for a play date. I haven’t seen them in ages so this will be nice. They are also staying for dinner so I won’t be able to go anywhere later either so that makes today another no spend day.

  5. Jessica says

    I took a few things back to the store and picked up things we wanted but no money spent there however I did buy a gift for a upcoming birthday party $20 I also got a letter for a Job interview!!

  6. Jen says

    Bought groceries & spent $56 plus my $14 of gift cards ($4 were from shop kick & $10 was from the $10 gc for $50 purchase coupon from before christmas). I saved over $15 & used up my coupons before they expired tomorrow. I thought about doing the gilette razor/refill coupon & $5 gc deal from target bought then convinced myself that it wasn’t a good deal if I wasn’t planning on buying it anyways. So instead I left the $5 coupon next to the razors for someone who was planning on buying it. I do that if I have a coupon that’s expiring but can’t use- I sure hope that the store employees don’t get annoyed with that when they are straightening the shelves.
    I have enough for a payout from ibotta so that’s being requested/processed as I type.
    I spent last night watching Suze Orman & the princess shows while working out our debt snowball plan. Looks like we’ll be free from credit cards in 24 months- I’m trying to remain positive about it as that seems like such a long ways away but I’m sure it’ll be here soon. Just have to keep putting 1 foot in front of the other right? I have 2 great spreadsheets that show total interest paid, month it’ll be paid off etc if anyone’s interested that you can change whether paying smallest balance first, highest interest or a custom payoff order etc. I LOVE it!!

Leave a Reply

Your email address will not be published. Required fields are marked *