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. We ate all meals at home and I really didn’t spend any money. I spent some time talking to my human resources department at work to make sure that I’m still going to be reimbursed for the class that I took last month. It sounds as if I will be able to get the tuition money back even though I’ve been off with my ankle/knee. I went to the doctor yesterday and he wants to take all precautions and get an MRI for my knee. It looks as if I’ll be out until after the New Year. I guess it’s for the best with the move and the holidays.
I took pictures of all of the items that we are not bringing to the new house. We have a few bigger items so I listed them on Craigslist. Hopefully, they will sell quickly so that I can add that $ to our emergency fund. Our EF is taking a little bit of a hit with me not working, but it’s temporary right ??
I earned 27 Swagbucks, added 100 points to my MyCokeRewards account and cashed in a few more of my daily deal vouchers for Christmas gifts. Christmas is turning out to be pretty inexpensive this year since I am using vouchers from daily deal sites and gift cards earned from survey companies. I really have to make piles and figure it all out once we move. It’s a little chaotic right now.
Can I just tell you how excited I’m starting to get about the move ? I mean, I’m nervous and excited at the same time (is that possible?). One thing that I’m particularly excited about is having a “normal” heating and cooling system. I have never lived in a home with central air conditioning. I can’t even imagine not having to put air conditioners in and out and in and out … as the bugs crawl in around the ac panels and the girls scream everytime they see a bug. As I’ve told you guys we currently live in a 7 story split level townhouse. Each room has a separate heating control. The kids mess with it when I’m not looking and low and behold the heat is on 90 degrees in August= sheesh + a $600 electric bill. The new house as ONE thermometer that controls the WHOLE house – yipee. I’m sure many of you have one of these, but I am so excited to have one. Don’t get me wrong, there are many families with no home to live in and I thank God and count my blessings every day that we even have a house, but wow I’m gonna love that thermostat.
What did you do ? I hope you had a blessed day. Leave a comment You could be the December winner.