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 $25 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 good day yesterday, but I spent almost $400 on something that some may say is not a necessity. I beg to differ (more on that later). My little Kayla was better, but not all the way, so she stayed home from school again. She is well enough to go today though. I was really proud of Olivia because she was happy to go to school even though Kayla wasn’t going. It used to be hard for them to to if one was sick. I guess because they’re twins and in the same class. I was really proud of Olivia. I had to go and spend the day with my mom so that my dad could go to work. Luckily Ro was home for the day so it all worked out. My mom and I made sugar cookies and chocolate chip cookies. We split both, so I came home with about 3 dozen homemade cookies.
The girls have a dress down day today in school. They usually wear uniforms, but today they get to wear orange (the color chosen for 1st grade). They didn’t have any orange clothes, so we popped into Kmart last night. I was able to get them each an orange shirt for $6. I also went to my local grocery store for some awesome deals that they have going on this week. The deals ended last night and roll over this morning. I spent $23, but I got a good bit of things 🙂
On to my almost $400 purchase… When Kayla was 18 months old we lived in a 7 story, split level townhouse (with no air conditioning). To get relief in the heat of the summer I set up a little baby pool on our deck. I had twin 18 month olds and was home by myself at the time. I was trying to get both of their bathing suits on and it was hectic as usual with both of them going in opposite directions. Kayla was walking up the 3 steps from the basement to the kitchen and I was standing at the top of the steps with her towel. She tripped and fell and banged her mouth on the top step. Blood came pouring out of her mouth and she was screaming. Just then Ro came home and saw it. I felt terrible because I was right there and couldn’t get to her fast enough. She banged her top, front teeth so badly that we thought they were going to fall out. They didn’t. I took her to a dentist and paid for bonding. I cut all of her food up in the hopes that the teeth would tighten back up.
I managed to save one tooth. The other tooth remained as well, but it turned a grayish brown color. I felt awful. Other kids (including her sister) would ask “Why do you have a brown tooth?” When she turned 4 this discolored tooth fell out and I was SO happy. Finally this tooth was gone and her “big girl” tooth will come in bright and shiny white ! WRONG ! Her new tooth came in the next month and it had a large area of brown discoloration on it. It almost looked worse than the baby tooth. It looked like her tooth was dirty and that she never brushed it. I felt worse than ever as did she. The dentist said that when she fell she must have jarred it so badly that she did damage to the enamel on the new tooth. At this point she was getting older and entering school and was constantly asked what was up with her tooth. We took her twice yearly to the dentist and continuously asked what we could do about it. We bought a special toothpaste that cost $40 a tube and applied it twice a day for over a year only to see no noticeable results. We asked for another option and we were told that she had to be older. Then they said the tooth next to it had to fall out and the permanent tooth needed to come in and so on and so on.
Well yesterday was THE day. We thought we were just going for a consultation, but low and behold the dentist was SO nice and he fixed it for her. She may need something else done when she’s a teenager, but it’s white and it looks great. My little girl has never seen herself with a white tooth there and when they held up a mirror for her to see it, well I could have cried. Actually, I’m tearing up as I type this – ha ha. So anyway, was it an absolute necessity ? Some would say no, but I will tell you that her little smile was worth every penny of the $380.79 that I spent. I probably would have spent ten times that amount.
What did you do? Leave a comment We’d love to hear about it You could make 2014 your year. Who will the January winner be ? We’ll see…