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: Yesterday was a NO spend day. Ro worked an extra day, so I was home with the kids. We did a lot of cleaning and organizing. The girls wanted to “help” me clean, so we kept ourselves quite busy waiting for Ro to come home from work. They took a nap at 2 and I actually got to watch a Hallmark movie. I can’t tell you the last time I got to watch a whole movie. It was so nice. I guess I actually watched 2 because after the girls went to bed Ro and I had an”at home” date night and watched a FREE movie he borrowed from a friend at work. It was great.
Breakfast and lunch were made at home, but Ro surprised us by coming home from work with a pizza. It was a nice FREEbie he snagged. I got 4 FREE gift cards in the mail from Discover Rewards. I use my Discover only for stuff I have to buy anyway. I pay the balance off each month and I cash out regularly for free gift cards. I’ve been saving up reward $ for awhile for the 4 I got today. We also got a few samples and the grocery store circulars, so I was able to plan out our menu and corresponding grocery shopping deals. I’m going to challenge myself to keep it to $50 or less this week. We have some stuff in the freezer and pantry so it shouldn’t be too hard. Ro has challenged me to increase our stockpile significantly in the next month or so. Now that the holidays are over I should be able to kick it into high gear !
I did the drugstore deals for everyone (including me) and organized my shopping strategy. There are a few deals that I want to do at each of the drugstores. There’s only one coupon insert in the paper today (a Smartsource insert), but there are some good coupons in it. I did a few surveys and earned 31 Swagbucks yesterday. I also called JCPenney and scheduled free haircuts for twins. Their hair gets so thick and needs to be thinned out periodically. JCP offers free kids cuts EVERY Sunday. We have to wait 3 weeks for our favorite stylist, but that’s okay at least it’s scheduled. It will be right before their 6th birhday, so that should be fine. I’d rather wait 3 weeks for free ones than have to pay for cuts tomorrow.
What did you do? Leave a comment We’d love to hear about it You could make 2013 your year. Who will the January winner be ? We’ll see…