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 : My hubby and I were home together yesterday. We spent a good part of the day getting what we need to bring a little glitz into and outside of the house for the holidays. We ate lunch first at a local restaurant. I will reluctantly admit that I did NOT have a coupon or a gift card (gasp, the horror!). On a positive note my meal was enough for lunch for me and dinner for the twins and I so it wasn’t bad for $25 total. The place holds sentimental memories for us as we went to this restaurant after every doctor’s appointment when I was pregnant with the twins.
Next, we went to Target. There was slim pickings in the holiday section. We got what we could and went to Walmart next. I had $73 in store credit/gift cards that I was able to use towards the Target purchase. At Walmart, I could not believe the difference in price between Target and Walmart. One of the items I bought (2 outdoor pre-lit trees) was actually $10 cheaper at Walmart. Other items were $5 less. I bought the less expensive items at Walmart and told Ro that tomorrow our first task is to return everything to Target that was overpriced. Even though we paid mainly with gift cards I can’t stand the thought of paying too much. I will use the gift cards for grocery items when they go on a great sale. The hubby thought I was a little nuts for buying the same stuff twice and returning everything, but he’s used to my “behavior” by now.
The only thing that bugged me at Walmart was that their tree skirts and stockings were supposed to be 25% off. There were HUGE signs all over the place advertising it. Well, they rang up full price. I waited in line at customer service and the kid that waited on me told me that there was NO Way that any of the Christmas merchandise was on sale yet. He actually said “You’re Crazy, it isn’t even Christmas yet” and handed me my receipt looking past me to the next customer in line. I said, “Ummm, you have huge signs back there (like 10 of them) advertising this so either we can take a walk back there or can you please ask your manager? He asks the manager next to him and she says “NO WAY” and again hands me back my receipt. I was dumbfounded, but not leaving without my money. She finally gets her walkie talkie thingy and calls the department where they tell her that yes, tree skirts and stockings are 25% off. They reluctantly give me back my money. I felt like saying “Is this the part where you apologize for calling me crazy?” Sheesh ! I’m sorry to blabber and you may also think I’m crazy, but that $6.xx is going right in my emergency fund. I may need it as I’m “crazy” and could flip out at any given time if not given my earned discount(when accompanied by my original reciept of course) ~ fa, la, la, la la, la, la, la, la.
What did you do ? I hope you had a blessed day. Leave a comment You could be the December winner.