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: I had a pretty good day yesterday. I started out by going to Ro’s work where they offer FREE dental care for employees and their families. I went for a free cleaning. It was so cool. They didn’t even ask for insurance info or anything. There are a lot of little perks at Ro’s job and we’ve decided to start fully using them. They just built a new dental suite and they offer free everything including cleanings, fillings, bridges, oral surgery, orthodontics (which may come in handy someday since both of the girls are thumb suckers ) His regular dental insurance only covers cleanings at 70%, so it will save us some $ anyway.
When I came home, I checked our bank account and the van payoff came out of the account. Next, I hopped over to the Toyota site hoping to see a $0 balance, but it just said that the account is now closed. I’m guessing that’s the same thing, so it’s all good. Hopefully we’ll get the title in the mail in the next few weeks or so. I’m happy to back to being debt free except for the mortgage ! Woo hoo ! It was hard to see the money come and go so quickly, but now I’m glad I did it and we ditched a big debt !
I printed a coupon for a free 6 inch hoagie from a local convenience store. I also printed a few other coupons and took them to the grocery store to snag a few little freebies. I also went to Dollar General because I heard that their Christmas merchandise has been marked down to $.25. I snagged 2 boxes of Keebler shortbread cookies and a really cute 25 pack of Christmas cards for only $.75 total.
I made all meals at home. I made a huge taco salad for dinner. I gave the kids some chips and salsa to go with theirs. Olivia actually licked her plate. I sold a book on Amazon for $12. It’s all set to ship out this morning. I also listed 5 more books. I also earned 22 Swagbucks and did 2 surveys before bed. I’d say it was a pretty productive day
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…