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 pretty low key day. I did put a few posts on Freecycle.org requesting puppy stuff. I’m trying to get ready for the puppy by first looking there. I also poked around on Craigslist for a small crate. I’m waiting to hear back. I did get dog bowls and a few new toys from Freecycle. That should save around $20 or so. The girls have the bowls all washed and set out where they are going to go.
We ate all meals at home although I wasn’t in the mood to cook. I’m sure you’ve all had those days where you just don’t feel like cooking. Luckily I had a freezer cooking meal available, so it was easy to stick it in the oven. The girls talked about the puppy most of the day. They are counting down (5 days and counting). Being much more practical, I am excited to have 5 more days off before having to do all of the work that a puppy brings.
I forgot to mention yesterday that I got some nice freebies in the mail on Saturday. I got a $10 off of a $10 purchase coupon from Staples. I also go a FREE sample of “Food Should Taste Good” sweet potato chips. Ro and the girls polished them off. I also got my first Bzzz Agent campaign. It included a booklet of awesome coupons for Glade products. There are 2 free product coupons and a bunch of $4/1 coupons, which actually make them free. I will share them with family and friends.
I am trying to squeak through the rest of January without going to the grocery store. If I can do it I should have an extra $750 to send to the mortgage. I’m trying to beef up the emergency fund and pay something extra to the mortgage each month. Last night I caught up on some surveys. I was able to request a $36 check from Survey Savvy ! I love it that you can cash out with them even if you have as little as $1 in your account.
Ro is off today, so we are going on our mystery shopping lunch date. Our lunch will be paid for and there is also a $5 bonus. Ro really loves this particular restaurant and we never go there unless we are mystery shopping because it’s a real budget buster. It should be a nice treat for my hubby on his day off.
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…