The Debt Free Mom: Day 36

My Favorite Email!

I’m curious about how you learned to live debt free.

First I would recommend reading the book The Total Money Makeover by Dave Ramsey. It was a huge eye opener for both my husband and I.... It was the first wise financial decision we made....We had it in our shopping cart and were going to charge it to our credit card, we looked at each other and said this is crazy. We put the book back on the shelve and checked it out at the library :)

~The first thing we did was sit down together and add up how much debt we had. I thought we had around $20,000 but in reality we had $48,000.

~Saved $1000 Emergency Fund

~Then we payed our debt off smallest to largest no matter what the interest rate was

~We make a budget and put a name to every penny

~We use the envelope system....taking out cash for budget categories....that way we do not overspend....when the money is gone from the envelope we know we are done spending for that category

~Canceled Cable...don't miss it....still don't have it, have basic cell phone, basic home phone we cut back on anything and everything we could.

~Squeezed every penny out of the budget to throw on our debt

~My husband and I started communicating about money....that was huge for us.... now we are on the same page and were and are intense to make sure we honor God with our finances

~Coupons

~and most important lots of prayer

Wishing everyone the best of luck.....be intense....and tell every dollar where to go!

Monday, March 30, 2009

Day 36

New cellfire coupons to download on your Kroger (Dillons) card

and

I love emails.....

the following tips are from Renee

Walgreens has Angelsoft 12-pk double rolls for $5.49 Limit 2 (Target has them for $5.69 on sale and Walmart at reg.price has them for nearly $6). Print a coupon at angelsoft.com
Tired of paying $11+ (120 loads)? Dillon's the Kroger brand offers 150 loads for $8+. And their fabric softener is only $1.99.

Thank you Renee for the email!

If you have a great deal I can share please email me at cav11402@gmail.com or leave a comment.

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Monday, March 30, 2009

Day 36

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