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. It was a NO spend day. I had a long meeting in the morning, so that took a big chunk of the day. The meeting was at my (old?) work so I stayed and had lunch with my old class after I ran to the store and bought the kids drinks and gum. It’s a residential treatment facility, so the kids don’t get a lot of that fun stuff. It was nice to see everyone. I paid our Discover in full and it was more than usual this month. I’ve decided to go on an all cash diet for a few months to see the impact on the budget. I don’t like it when the Discover gets too high because it impacts the amount of money I can put in savings or on the mortgage.
I got chosen to host a House Party skin care party. I will be sent a party pack to share with friends and family at a little get together. It should be fun I made breakfast and packed all of the lunches. My sister’s baby turned one yesterday and she asked if she could have the party at our house. They brought all of the food and my parents made the cake, so there was no money spent there. I had a gift in the gift closet and I had made a FREE card a few months ago on Cardstore.com. We had a good time together. Money is a little tight for their family right now, so I insisted she “shop the stockpile”. I sent her home with 4 bags of groceries. It felt good to be able to help out.
I spent some time organizing the stockpile yesterday. I took some pictures as promised. I’ll post them in the next day or so. It’s coming along. I have another big cabinet upstairs with the health and beauty items. It was a good mail day. I got some of the grocery items that I ordered on Amazon with FREE credits (hence, the stockpile organization). I also did a lot of cleaning in preparation for the party. We have 2 more days until the puppy arrives. My girlies are getting excited I did some surveys and requested a gift card from a survey company last night. I also received and got an instant Paypal payment from ibotta. I like it that you request as little as $5 via Paypal and it’s intant ! My parents brought over a small crate for the puppy so we don’t have to buy one. I’m hoping it will be okay. We’re still having name issues. Everyone talked us out of our two pics (Max and Biscuit). Now I’m at a loss ?! Ideas ??
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…