How To Get Started With Coupons
- Created on 06 October 2014
If you're reading this blog, either you are debt free or you want to be debt free. We get into debt when we spend more than we earn. You can prevent this deficit in one of two ways - create more income or reduce your expenses. Buying household items like food, health & beauty supplies, and toiletries can easily be a large discretionary line item in your monthly budget.
Using coupons is a great way to reduce your spending on groceries and other household items. Overwhelmed at the idea? Read on for an introduction on how to get started with coupons.
This post is by Raki Wright from Outside the Box Mom.
5 Surefire Ways to Finish Strong
- Created on 03 October 2014
Can you believe ¾ of 2014 is already behind us? Where has the time gone? Thinking back, my year involved a number of major life changing events. We welcomed a new addition to the clan. More people required more space and a short sale warmed its way into our hearts. We journeyed to Hawaii and seriously considered relocating (well maybe not we). Not all events were joy-filled. The family business of 10 years – our Laundromat – came to an abrupt end which promises to present beneficial lessons one would rather avoid. More on that soon.
Pay Cash for Christmas 2014
- Created on 01 October 2014
We’re bringing back the Pay Cash for Christmas challenge with a twist! This time, the Debt Free Divas have partnered with Just Another Mom to increase the prize and spark your competitive spirit. Fall is here and we have exactly 12 weeks until Christmas. Yes, I’m talking about Christmas. Have you seen the crazy commercials already trying to pry money from your pockets? We need to be proactive.
We’re on the cusp of one of the busiest shopping seasons of the year. The National Retail Federation reports that Americans spent an average of $730 on holiday spending in 2013. How much of your total landed on credit cards subject to interest? This year, let’s try Christmas with no strings attached. Will you pledge to take no new debt into 2015? To that end, we’re giving one lucky winner $250 towards the holiday spending.
Yakezie Challenge Part Deux
- Created on 29 September 2014
If at first you don't succeed (as with a debt free journey or coaxing a 9 month old into a much needed nap), try again. I came across the Yakezie challenge as a new blogger. This is a great community of personal finance and lifestyle bloggers who really were central in the development of the Debt Free Divas blog. The challenge goal to lower your blog rank is doable. Plenty of great bloggers that I heavily respect have walked this road before.
Life happens. Plans change. Priorities evolve. Well, I'm back. My current rank is 575,000 and my goal is 200,000 by the end of 2014. I must commit to regular, weekly posts and support other bloggers reach their target in the challenge. That I can do. As with the Power of Community experiment, the momentum to reach goals is supercharged with the power of accountability. My original goals haven't changed. I may have back-burnered the challenge before, but that wasn't the end of the story. Has your debt free journey hit a snag or bend in the road? Let's dust ourselves off and jump back into these challenges with both feet. Let's do this!
Weekend Reading – Saving More of Your Hard Earned Dollars
- Created on 26 September 2014
Great information abounds when looking for topics on personal finance. I want to start sharing a few of the inspiring posts that I hope will be useful. As you wind down for the week, how about ramping up on your weekend reading. My goal, as always, is to keep inspiring #teamdebtfree to achieve our debt free dreams. I run across a lot of great stories and love to share. This first blog crawl (I’ve never done a bar crawl, so this will have to do) is all about saving money where you are.
10 Thankful Things
- Created on 25 September 2014
The SITS blogging group has challenged us to get back into blogging by naming ten things for which we’re thankful. Welcome to those stopping by from the Back to Blogging challenge. Counting your blessings is a great way to express contentment even if circumstances aren't yet desirable. Dumping debt can be an arduous process. Without an appreciation for the process; you may have trouble maintaining focus. I’ll post my ten. Feel free to add your thankful things in the comments below.
Fall In To Better Rates
- Created on 23 September 2014
Autumn is upon us. I hope everyone enjoyed the summer. As we prepare for a change in seasons and refocus (if you’ve fallen off) on eliminating debt, I encourage you to review your rates. What interest rates are you carrying on existing balances? Have you been penalized with penalty interest rates due to late payments? Did a teaser introductory rate expire and convert to exorbitant highs? Working a debt snowball can create tunnel vision. The smallest debt may receive all of your attention. However, before the hustle and bustle of the holiday madness sets in, let’s make sure interest rates are in the best possible position.