Friday, October 21, 2011

My Favorite Coupon Sites!



Today, I am participating in "Show Us Your Life" over at Kelly's Korner.



I recommend the following sites:



1. The Krazy Coupon Lady- I go to this site each week to plan out what I am going to buy. This site is a must before I go shopping at CVS, Walgreens, ShopRite, or Safeway. I love how this site is organized!



2. Coupon Divas- I love her videos about couponing. She is so fun and her videos are great if you are just starting out with couponing.



Here is a link to her videos: http://coupondivas.com/videos.html.



3. For the mommas- I just discovered this site but I am going to use it as another shopping trip planning site.



A few tips I have learned a long the way-



First, couponing is all about organization. You need have an organization system that works for you so that you can easily find your coupons. Secondly, like anything you get out of it what you put into it. If you spend the time to clip, organize, and stragetize your shopping trips you will be sucessful. Lastly, I treat coupons like CASH. I love that I save so much money with coupons and it is a fun challenge for me each week to see how much I can save.



Happy Couponing!


Best wishes,


Janie



P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Saturday, July 16, 2011

How I told my husband we were pregnant?


Hi,

I just wanted to share with you "how I told my husband we were pregnant after going through IVF?" Please go here to read my surprise.

How are the coupons coming along?

I am posting to Kelly's Korner SUYL series.

Best wishes,
Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Wednesday, June 15, 2011

Coupons equal cash

I am treating my coupon learning the same way I treated getting out of debt.

1. I recognized I had an issue
2. Took inventory of my weaknesses
3. Got organized
4. Educated myself about the topic in 2004 that was debt and money in 2011 it is saving money with coupons

This quote is sticking with me:

More money isn't the answer. Saving money is. Getting more for less is a matter of changing how you think.

My Coupons notes follow to help you learn along with me...

1. Treat coupons like cash

2. Look in stores for peelies, tear offs, in store coupon books down the aisles

3. Set aside several hours a week to collect coupons, scan circulars, and hit the stores

Make a point of becoming aware of the promotional materials around you and start your own savings stash

You need to make a plan

Set s goal- save 20% this month off your grocery bill and 30% the next month and so on,,,

Filing your coupons system-
Make folders for Sundays for example the labels would look like this:
3/14 RP
3/14 SS
3/14 PG

Search coupon databases for existing coupons you have filed away

Devote 5 hours each week on coupons and shopping

Try paying for purchases in cash

Pick your stores that you will shop at weekly- CVS, Safeway, Target

Store to make money at Rite Aid (need to get up reward card)

More money isn't the answer. Saving money is. Getting more for less is a matter of changing how you think.

Essentials:

Oral care
$ toothpaste
$ dental floss
$ toothbrushes (adult/kids)
$ oral teething soothing cream (baby)
$ before brushing rinse







Best wishes,JanieP.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Tuesday, June 7, 2011

When the reality of debt sets in...

I found a great blog post about when the reality of your debt sinks in if you are a young person of 28 years of age. They realize that they took out too much debt and can't pay it off as quickly as anticipated. My realization of my load was prior to 28, however, I remember that realization so well. I still remember where I was driving on the beltway and the time. It was a terrible feeling to just realize that it would take me 5 years to pay off my debt. Actually, it was truly shocking.

Here is more of that blog post if you want to go over and read it: http://blogs.smartmoney.com/paydirt/2011/06/06/for-debt-laden-young-adults-reality-bites-at-28/?mod=rss_&link=SM_home_blogsum


Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Monday, May 30, 2011

The Krazy Coupon Lady

I am now 10 weeks pregnant! Plus I just found out that daycare is $2,000 a month for infant care. I would really love to stay at home so I am doing some serious research about coupons. I found The Krazy Coupon Lady.

I love this site because you can learn about coupons, organization, and they help you find the best deals for that week.

Please go check out: http://thekrazycouponlady.com/

I think you will like it.


Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Friday, April 1, 2011

Saving is healing

I have been consumed with the entire IVF process as of late. However, I did read recently that "saving is healing" and I loved this passage. I know personally that saving money does make me feel good. Even if it is $5 a day into my bank account it feels so good to do that. I feel like I am doing something good for myself. Therefore, if you can try to put $5 into your savings account today. You will feel better. Saving is healing is my moto today. Best wishes, Janie P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Tuesday, March 1, 2011

Have you ever heard of Cash Flow?

Are you familiar with the cash flow concept? If you took an accounting class or read a finance book in school you probably have come across this concept before now. If you don't know what cash flow is I will trying to explain now. Cash flow is the amount of cash that is coming in and going out. Basically, it is a way to watch the flow of your money. How much money are you making and spending? While watching my spending over the past few months, for my coupon project, I have thought of a new concept called stuff flow.

Stuff flow is the stuff that flows in and out of my life and house. I have realized that stuff flow is a big problem for me. I don't have a process in place to deal with my stuff. My stuff is costing me big in both time and money.

This month I am going to do some soul searching about my stuff. What purpose is my stuff serving in my life? Why do I have so much of it? How can I eliminate my stuff?

This stuff is dragging me down and causing stress.

Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Sunday, February 13, 2011

Financial Journal

The rules of money are probably Ben Franklin-type rules, such as never squander it, don't be a spendthrift, be very careful, you have to account for what you're doing, you must keep track of it, and you can never ignore what happens to money.

- Michael Phillips, The Seven Laws of Money


So, for IVF last week I went to a nutritionist to discover some of my bad eating habits that I have to change for pregnancy. She had me keep a journal of the time I eat, what I eat at that time, and how I am feeling just before eating. This journal was illuminating for me. I tend to eat really bad around 3 pm each day because I am either tired or stressed from work. She asked me to eat my veggies and fruit servings for the day in either breakfast or lunch because after 3 pm begins my poor food choices.

After doing this activity for the nutritionist, I was thinking that I should also do this for my financial life. I will keep track of where my money is going and avoid impulse spending (especially around 3 pm at the vending machine or work cafe on bad food choices) for the next two weeks. At the end of the two week period, I will review my financial journal and see where I have been impulsive with my spending.

Do you want to join me with the financial journal activity?

Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Saturday, February 12, 2011

Earnings Timeline

(pic)

I am going to expand on my Financial Timeline series here. This post will be about my Earnings Timeline and Net Worth to date.

So, I got my Social Security Statement in the mail this week and I always check it against my earnings for the year to check for accuracy. I believe that everyone should do this as part of getting your financial house in order.

Look at the three columns on your statement when you are checking for accuracy-

1. Years You Worked 2. Your Taxed Social Security Earnings 3. Your Taxed Medicare Earnings

Here are my taxable earnings since 1995 (I rounded numbers for privacy reasons):

1995 - $1,500

1996- $3,000

1997 - $2,000

1998 - $2,000

1999 - $700

2000 - $2,000

2001 - $200

2002 - $400

2003 - $10,000

2004 - $35,000

2005 - $45,000

2006 - $54,000

2007 - $64,000

2008 - $81,000

2009 - $86,000

Over a 15-year period I earned $386,800 of taxable income. But once taxes are taken out I probably brought home $193,400 during that same 15- year period.

I calculated my January net worth to be $90,579.44. Therefore, from my earnings I "spent" $100,000 dollars during that 15-year period. Honestly, I don't know where that $100,000 dollars went. I know $26,000 plus interest payments went to the credit card companies. I had a wedding, went on a honeymoon, purchased a car during that time period too. This was an eye-opening experience for me. It has made me want to pay more attention to my spending especially what is coming in and going out (cash flow).

Was this post helpful?

I do have a word of caution about this post. I live in an expense place in this country so please don't compare your earnings to mine. I do have a college education and I am a tough negotiator which has increased my earnings. If you are interested in my negotiating skills please leave a message below. I will be happy to devote a blog post to negotiating skills in a job and in life.

Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Sunday, February 6, 2011

My Financial Life Timeline


Have you made a timeline of your financial life before? If you said no, you are not alone because I haven't either until now.




Here is my financial timeline by years-




1980 - 2003 Mooch off parents, had some side jobs made a total of $10,000 during those years




2003 - 2004 Moved out on my own, made $15.00 an hour and started getting into debt up to my eye balls




2004 - 2008 My salary continued to increase and I realized I had to get out of debt




2008 - now Debt free and trying to start a family through IVF


I think I will do a more detailed timeline next. I may even do a timeline for other areas of my life too. I think it brings clarity to your daily life- looking at the big picture. I should probably do one for saving and spending next.


What does your financial timeline look like? If you would like to leave a comment I would love to hear what your timeline is like. Is it like mine?



Best wishes,




Janie




P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Friday, February 4, 2011

Coupon Book

{pic}

You all know how I have become the coupon queen as of late. Then I happened to find this great idea for a coupon book. I am still in the process of figuring out my coupons but this is awesome inspiration.

Go over and check it out.

Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Thursday, February 3, 2011

A Getting Out of Debt Story Of Inspiration

{pic}

You may or may not know this about me but I love to decorate my house. Decorating my house is a hobby for me and I love to do it inexpensively as well. I look all over the Internet for inspiration and new ideas. Then one day I found the Thrifty Decor Chick. I have been reading this blog for about 2 years now.

My heart was so full yesterday when I read this blog post about her and having NO MORE DEBT. Please go over and read this story. She had a lot more debt than I have ever had and now she is out of it. All gone! It is such a story of inspiration and I am so excited that another person has joined the debt free club.

I think it is a wonderful story and I just had to share.

Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.

Friday, January 14, 2011

Coupons

It has been a few months since I started using coupons. I can tell a difference. I have even started a coupon club with my girlfriends. We clip out coupons and send them to each other each week. My favorite places to save money are CVS with the extra care bucks, Giant they double coupons, and Target overall prices are cheaper.

Our grocery bill was about $150 a week on average and now it is around $50 to $65 a week. I would recommend coupons if you are serious about saving money on groceries. However, the process and getting started can be time consuming. I probably spend 5 to 6 hours each week on this coupon project. I think it will become easier as the months go on.

Here is my to do list:

1. Binder to organize coupons

2. Clip coupons every Saturday morning from newspaper

3. Organize clipped coupons into binder

4. Make price list- go to all of the stores that you shop at and write down the prices of the items that you purchase most often and associating prices

For instance, we could purchase Bumble Bee Tuna at CVS for 1.99 at Giant for 1.69 and Safeway for 1.99. So it is best to purchase from Giant or on sale at CVS for 66 cents when it goes that low.

I hope these tips are helping you. Best of luck. I will be back with more tips.

Best wishes,

Janie

P.S. You have come to the right place if you are looking for information about getting out of credit card debt, paying off credit card debt, money tips, or for a friendly place if you are struggling with getting out of debt.
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