Let’s Make 2013 a Great Year for Getting Out of Debt!

Happy New Year! I just know that 2013 will be a great year for getting out of debt. We can do this. Let’s size up our debt and then knock it down little by little until we end the year richer and more financially stable. It may take a little sacrifice, but it can be a lot of fun, too. Getting out of debt is going to be a fantastic New Year’s Resolution that will help us make some real progress for our family. Don’t Worry about the Past We may have made some wrong choices along the way, but … Continue reading

Things to Know Before You Start Extreme Couponing

Have you been thinking about getting into extreme couponing? It certainly sounds as though it would be an incredibly easy way to save your family a ton of money. There are some people who do manage to save huge amounts of money on their grocery store bills that way. Before you jump into this lifestyle, there are some things you should be aware of. Recently, I found the time to watch an episode of the television show called “Extreme Couponing”. The show certainly highlighted why some people find this intense form of shopping to be really exciting. Some of the … Continue reading

Getting Out of Debt: Messy Organization Cost Us

Purposefully trying to get out of debt is revealing some pretty interesting things. It is amazing how despite practicing frugal living, we’ve thrown money away from being poor organizers of it. Call it having too much to do or the control freak of the family (me) turning a blind eye to certain areas of our bills, but this month we’ve definitely been seeing how not paying close attention to some things has affected our budget. Case in point: we got a letter from our oil company saying that they were raising our oil rate, so our monthly bill for the … Continue reading

Getting Out of Debt: A New Attitude

The idea of completely getting out of debt takes some getting used to. After all, most of us “need” to carry mortgages and car payments. If we want to go to college, we have to take out loans. Many of us struggle with credit card debt just to cover the necessities. As a family, we made a decision that we wouldn’t carry any debt that wasn’t necessary. Now, after Financial Peace University, we have learned that no debt is really necessary. That is quite an adjustment. I look around at all of the things that we would like to have, … Continue reading

Getting Out of Debt: Paying Off the Car

I really can’t believe that we are going to do this. Several weeks ago, we just assumed that we had to have a car payment. When our youngest child was born, a larger car was a practical necessity because three car seats wouldn’t fit across the back of our old car. So we made a purchase and wound up with car payments. We do love this car. It has given us minimal trouble and maximum flexibility for our family. We don’t love having the car payment or paying the almost $50 a month in interest on the loan. But as … Continue reading

Extreme Couponing

Some of our previous neighbors were doing something called the grocery game. The two households shared one membership to the game’s website. The gal who ran the website would post the sales and bargains for the grocery stores in our area. She would list the coupons in the Sunday paper and then tell members what to buy at what stores using what coupons. The point was to get all groceries for nearly free. I was completely on board with that until my girlfriend told me that for a while you could not buy the things you wanted to buy. Instead … Continue reading

Getting Out of Debt: Extreme Couponing

My husband thinks I am obsessed with extreme couponing. I admit that I never actually saw the Extreme Couponing show. Nevertheless, I have been a crazy coupon lady, clipping grocery coupons and getting the best deals on groceries that I can find. I’ve always believed in coupons, but my dedication to using them had fallen off and become sporadic. I needed the focus of getting out of debt to really step up my game in order to reduce our grocery bill even more and to get out of debt. My goal is to actually come under the amount that we … Continue reading

How to Save on Whole Grain Products

Eating healthy means eating whole grains. However buying whole grains can be a little intimidating when you do price comparisons at the store. For example, a large family loaf of store brand white bread may cost you about $1.59 at the store and contain enough slices to get you through the week. In comparison, you may have to buy two loaves of 100 percent whole grain bread at $3.49 each in order to get the same amount of bread. So what are your choices? Eat cheap or eat healthy? Not necessarily. It might take a little more work to save … Continue reading

How Long Does Healthy Food Last?

It is spring and time to clean out your pantry. Whether you are stockpiling food from extreme couponing or storing your food in case of a disaster, even long-life food items have an expiration or best buy date. Some studies show that food can lose its nutrition even before the best buy dates. Here is a guide to how long you should keep some basic food items and when it is a good idea to replace them with fresher food. Flour Whole wheat flour doesn’t last as long as white, refined flour. It spoils about four times as fast. The … Continue reading