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 did pretty well yesterday. We ate breakfast and lunch at home. We did go out for dinner at a local diner, but we used a Restaurant.com gift certificate so we only spent $11.34 (+ we tipped on the full amount of the bill of course). We really enjoy going out to eat on the weekend, but we usually use either a gift card from a survey site or a GC from Restaurant.com so it only costs a fraction of the normal cost (Am I rationalizing, you can tell me… I can take it, I promise he he! ).
We didn’t do any grocery shopping yesterday. The day kind of got away from us. I plan to take inventory of the freezer and pantry to only buy what we really need this week. We have some meat in the freezer and I have some great coupons all lined up so we should spend significantly less than usual.
I had $50 in gift cards to Home Goods/Marshalls. The girls and I met my parents there and we had a look around to see if they had anything we needed for the new house. I can’t remember if I got the gift cards from one of the survey companies or from my Discover rewards, but it was essentially FREE money. I ended up getting 4 pairs of 5t jeans for the twins. They were on clearance for $7 each (they were some fancy brand, but I really don’t worry about that stuff). I was also able to get all of the bathroom rugs for the master bathroom. I was pretty happy to be able to snag all of that for $3.54 after the gift cards. *****The only problem was that I was so into looking at the bathroom rugs that I left my car keys on the shelf and didn’t realize it until I went to open the car door. I had to go back in and frantically search every place that I shopped (which was everywhere-ugghh). I finally found them-whew!
*On a related note, can I just tell you what knuckleheads my husband and I are… the other night we went to close our mini-van with our remote close the door thingy and apparently we thought it closed and it didn’t. Can you believe that our side van door was open ALL night with my hubby’s Ipad on the seat (we forgot that too) and nobody took it ? I only hope our new neighborhood is as safe. We will have a garage, which apparently we need because we are completely incapable of keeping our belongings safe~ sheesh.
What is the dumbest thing that you’ve ever done? Please share so I don’t have to be an idiot all by myself! Oh, and share your progress too 🙂