A Few Good Kindles to Be Set For The Weekend! Feel Free To Add your good finds in the comments below also!
A Few Good Kindles to Be Set For The Weekend! Feel Free To Add your good finds in the comments below also!
Enter below to win a free copy of my book that will help you to save money and give you ideas on paying it forward in 2017. Everyone that has read it, says they loved it, and couldn’t put it down which makes me really proud since it took a year longer to write. I am glad I took the extra time to make it turn out better!
So now that I have reached my surpassed my donation goal and wrote my book to show others how to pay it forward in their communities, I am now going slow down this year and focus on myself and knocking down debt. I had started this journey last year and was doing pretty well until the business fire hit on Memorial Day Weekend, but something as devastating as this would set anyone back. I vowed to try in 2017 so here we go 🙂 I am listed my debts and the progress I make which helps make me accountable if I am spending unnecessary money.
Regular Bills (My Portion)
Hannah: 800.00 (For Car Down Payment, since I have helped her out a lot and last year was so tough, she has been patient a lot, she is 21 and we don’t charge her rent, and I have been paying her car insurance since she started driving, Starting in January, I will be still pay her insurance, but applying it to my debt, small steps yay)
Mom: 400 another car loan, hope to have this paid off on her birthday March 21st
Amazon 1,900.00 I let my daughter talk me into using this because she has better credit than me, and after the tragedy, we all needed a vacation because of all the stress..I spent more than necessary, so now have an extra bill :/
Fingerhut: 180.00 TV I bought for my daughter
Capital One: 481.00
Capital One: 430.00
Victoria S: 700.00
Loan: 1,050.00 (Payday loan, currently adding an extra 480.00 to my bills each month, hoping to pay it off and not take out another one…ever! last payment is March 4, my goal is Feb 4…currently saving in the 52 week challenge envelope and amount each day up to 12, soooo…we shall see 🙂
Join the 52 Week Savings Challenge to Save $1,380.00 to put into your savings account at the end of the year the easy way…Saving does not have to be hard!
I have a few other debts, but focusing on this and building an emergency fund by the end of the year. I am hoping to make an extra 3,000 in extra money by book sales, mystery shopping, and other odd jobs.
Total Debt: 7,826.00
Debt Paid so Far: 100 (Hannah’s Insurance)
New Total: 7,728.00
Trying to do a low spend month, but Murphy is trying to sneak in, Someone came in with step throat to work and I got it, even though I had Insurance, they wanted 240.00 to be seen, so I used http://www.doctorondemand.com and only paid 44.00 and 8.00 on medicine. This service is awesome, I recommend it, no waiting at the doctors office, no high doctor bill, and very convenient. For the simple illnesses, use this service: use code: tina313 and receive $10.00 regularly 49.00. I don’t know why my code was only worth 5 🙂 but hey 5 is 5 not to mention saving at least 200.00 for cancelling doctor’s visit.
I did receive a 100.00 check from Comptroller for my paycheck’s for the last week I worked at Waffle House and I-hop…55.00 from Carvana for overpaying on tags. I also used 160.00 in Christmas money to help get on track for January…so I will count all this towards my extra money goal which is 316.00
Good or bad, I will keep you updated on my journey. Share your debt free journey and goals below in the comments section. I will update my progress in February, will probably only be able to pay the minimum on credit cards this month, but when loan is paid I should be able to pay a little more. Slow and steady gets the job done!
I will still continue to pay it forward, but only with free items I get with coupons, what others donate to me, or any money raised from fundraising. I will be planning to do the $5.00 weekly Pay It Forward Challenge that I can use all at once or throughout the year. ($260.00) I will probably use this to help my daughter with diapers since they are young, and not the best at finances. Won’t you take the 5.00 Pay It Forward Weekly Challenge With Me?
Super Coupon Woman is offering the Kindle Version of “Cutting Hunger One Coupon At A Time” for only $3.99 for a limited time, Normally $9.99 which is a 60% Savings!
If you want to start 2017 out right by saving money and have a great Pay It Foward story to inspire you to give back to your community, this book is a must buy! In this book, I teach how to coupon in easy to follow instructions, show how to save money without couponing, give you creative ways to save to show saving money does not have to be hard. This book will show you how to make saving money a way of life in simple to follow steps. I am no Dave Ramsey, but I know how to save money! After all, I didn’t get the title “Super Coupon Woman” for no reason.
Amazon even has a free kindle reader for those that do not have one. Super Coupon Woman Loves Free!
2016 is coming to a close, and I am really looking forward to new beginnings in 2017. Even though I have made great strides in my Pay It Forward Challenges over the past few years, I have also endured quite a few financial struggles along the way.
The last really good year I remember having was in 2012. Some of the things I have had to overcome include job loss, lots of car issues which included car being totaled, replacing totaled car with a lemon which led to me having to get a new car with car payments to feel safer. (I hate car payments).
This year alone we endured two Wylie hail storms which caused over $8,000 in car damage and at least $30,000 in house repairs which has yet to be fixed since we rent. In May 2016 the business that I own with my ex husband (I know what???) burnt down and we lost everything causing a personal loss of $30,000. Total fire loss was over $300,000 which included several other peoples losses such as our landlord, nephew, and the business next store. Going through these struggles has made me a little down and out over the past few months.
When going through personal struggles especially as devastating as these, It’s hard to see the positive things that have happened also. There have been a lot of positive things that have happened throughout the year also. I was able to reach another $30,000 in donations which included helping 100 children with backpacks filled with school supplies, and over 50 children have Christmas this year and brings my total donations to 125,000 to my community and still going. I had a storage building donated to me from Morning Storage in Wylie, and I finished my book “Cutting Hunger One Coupon At A Time” on Amazon Black Friday 2016 which shares my Pay It Forward Mission, and teaches everyone how to coupon and other unique ways of saving money even without couponing. Everyone that has read it said that once they started reading, they couldn’t put it down and told me how good it was which makes me really proud.
Now that I have accomplished my mission and shared my story in a book that will inspire others to Pay It Forward in their communities, I will be slowing down a little this year and focusing on myself this year, as I tend to put more pressure on myself than I should. For example, I only wanted to do around 25 children for Christmas, but ended up doing over 50 because they were begging me and I couldn’t say no when in reality, I wasn’t too far off from their situation. I don’t think at anytime this year, I have had over $100.00 in my bank account.
Maybe since I have a Non Profit, people assume that I receive financial donations but since I am somewhat shy and haven’t had time, at this time I do not. I ended up being overly stressed due to a few people telling me they would send me a financial donation and backing out. There were a few other things that happened that was upsetting and left me feeling taken advantage of. This left me looking for ways to continue paying it forward, but relieving the financial struggles and extra stress as it was hard to meet up with people and when I took on more children, I ended up feeling like I let the families down because I got very few Thank you’s when I tried so hard. So through all this paying it forward I have learned a few things, and am happy to say I have came up with a way to continue paying it forward without all the stress.
I will be setting up my storage unit as a mini donation store where people can come pick out what they need, and be using very little if any of my own money. I am only allowed to use what others donate to help others or items I get free while couponing as I have spent between $8,000 to $10,000 of my own money since 2014 to help others which I have loved and would not trade this experience for anything, but know that it is now time to focus on myself and build up some savings for a rainy day. Though I am in great health, I did turn 50 this year and need to be prepared in case of an emergency 🙂
In 2017, I will regroup and get more organized, hopefully learn some ways to fund raise to get back on track to helping families in my community for Thanksgiving, Christmas, and other needs when they arise.
The day is finally here! My book “Cutting Hunger One Coupon At A Time” is available on Amazon where I share my story of going from a single mom struggling to pay the bills to donating over $100,000 to my community with the help of coupons and kindness. My book will teach you how to coupon in easy to follow instructions and give you ways to save money without couponing. If you want to start out 2017 saving more money and want to read an inspiring pay it forward story also, this book is for you!
Get it at a great price also! Amazon is running a special buy $25.00 in books get $10.00 off. Spend 25 in books, get free shipping. If you are a prime member, you can buy 2 books one for yourself and one for a gift at only 3.00 more. If you are not a prime member, you would need to spend 35 in books to get the 10 off and free shipping.
This is a great way to support Super Coupon Woman Foundation, 10% of proceeds will go to helping others.
I am happy to report that I have completed my new book and received my proof in the mail. I absolutely love it! Great Quality…looks Great! My book will be available through Amazon On Black Friday Paperback or Kindle. I recommend the paperback because it would be easier to refer back to on learning to coupon or saving money. This book will show you how to coupon in easy to understand terms, but also give you ways to save money without couponing. This will make a great Christmas gift for anyone wanting to save money or wanting to learn couponing. I will post a link as soon as it is ready to purchase 🙂
Paperback Version: 12.99 plus shipping
Kindle Version: 9.99
Of Course Super Coupon Woman is going to offer it at a Great Price!
Now that Super Coupon Woman has finished the $100,000 donation challenge and still going strong, I came up with a way to keep the Pay It Forward mission going. Take a look at the flyer below and print as many times as you want so you can have it on hand when you are able to Pay It Forward such as leaving some detergent and a roll of quarters in the laundry mat for someone to do laundry free that day. Leave a flyer or two for them so they can do a Pay It Forward act also and pass on the flyer to them and hopefully the flyer keeps going and going.
Pay It Forward Challenge Pledge
I have challenged myself to do _______ Pay It Forward Acts Per Week.
Today I Paid It Forward to You by:
Attached is another card for you to take the Pay It Forward Challenge Also. Please Copy your page before filling it out to pass along to someone else to keep this Pay It Forward Movement Going which has been inspired by Super Coupon Woman who challenged herself to keep Paying It Forward in her community which has lead to Donating over 100,000 & Still going Strong!
If someone would have of told me 15 years ago that I would start a Pay it Forward mission that would lead to donating over $100,000 to my community, I would have thought they must be talking to someone else. At that time, I was the one needing help, hoping and praying everything would go just right. As single moms, we learn to take things day by day doing whatever we can to make sure our children are happy without them knowing the financial struggles we face every day.
Luckily I had friends that pointed me in the right direction of number’s I could call to see if they would be able to help with a bill, food, or maybe a little assistance to pay the rent. Sure, most of the times the answer was no, but what a relief it was when I came at just the right time and they said yes!
I must have had a guardian angel to help me make it through those tough years. I was stubborn, I wanted to be able to do this on my own! The problem was my money didn’t seem to stretch far enough. I only had $50.00 left over from child support after rent was paid.
My children tell me they had a great childhood, so I managed to hide things pretty good. I would always look for free things to do, we would go to the library and park a lot!
Things got a little easier financially when they were old enough for me to get a job, but they became more expensive as they turned into pre-teens and needed all the make-up, and money to go to the movies,and more expensive clothes.
I learned how to coupon in late 2008, and I not only saved money in my own budget but soon began to see how Couponing could help me pay it forward to my community as a way to give back for all the help I had received when I so desperately needed it.
I began to ask my friends and family and even the community to donate their unused coupons to the local food pantry so I would be able to get more items to help those in need in my community. I usually get bored with things quickly, so I wanted to keep donating a priority, so I started creating challenges for myself to reach such as donating $500.00 (keep in mind, I am a single mom so money is still tight) then $1,000 which I reached out to the media to hopefully inspire others to donate to their communities with the help of coupons.
My challenges continued to get larger. I challenged myself to donate a $10,000-holiday donation in retail value for $1,500, that I successfully completed and allowed me to donate over 700 gifts to those in need in my community while achieving an 85% Savings! As soon as I completed that one, I immediately came up with challenging myself to donate $50,000 within a year. (Even I thought I might be a little crazy for doing this one.) I started having some financial issues and was going to call it off, but my friends encouraged me to continue to donate and offered to help reach my goal! I was able to collect 33,500 of the $50,000. I decided to finish the challenge in 2016 and celebrate by Paying It Forward with 100 backpacks filled with school supplies to those in need throughout my community. I am proud to say I successfully completed the challenge August 10,2016.
There have been ups and downs since I started donating, but I have truly started a pay it forward movement which I am proud of and will now be sharing it in my upcoming book to be released on Black Friday 2016, I will share my story and teach others how to coupon and save money which will hopefully lead to donating to their communities as well, called “Cutting Hunger One Coupon At A Time” I am Super Coupon Woman, but I need some help filling up the food pantries across the nation Will you be the Super Coupon Woman in your community also?
I always work saving money into my shopping trips, but I am just now getting back into extreme couponing again. I thought I would share all the good deals that I caught this week. I have spent more than my budget this month for two reasons. 1) Up until this month, I have tried to spend as little as possible to get my debt paid down 2) We were out of Everything! Now I am stocked up on almost everything for 2-6 months! Hoping for a low spend month in July or August to even out the spending amount 🙂
Did this in two shopping trips:
Spend 30 Get $10.00
4 Ozarka 24 pack water 3.44 each
6 12 pack Dr.Pepper & Pepsi 3/9
Used 6.00 coupon off $30
Used 5.00 coupon for beauty rewards
Received 10.00 Extra Bucks
Bought 2 Lysol 80 Count Wipes 2/10
4 Loreal Shampoo/Conditioner 3.99 Each= $16.00-8.00 Coupons
Recieved 6.00 Extra Bucks
Purchased 2 80 count Lysol Wipes 2/10-6.00=$4.00 OOP
Total Spent: $34.00
Total Saved: $75.00
Purchased: 4 Loreal Shampoo/Conditioner @ $3.99 Each
4 Loreal Styling Products @ $3.99 Each
Used 16.00 MFG Coupons
Received 15.00 Gift Cards to be used @ a later date.
Total Saved: 31.00
5 Colgate Optic toothpaste $3.00 Each
2 Pulsar Oral B toothbrushes $5.99 Each
2 200 Count Advil On Clearance @ $19.58 for both
1 60 Count Finish Powerball Gels@$12.99
6 Reeses PB Cups @ .69 each $4.83
Used: $13.00 in manufacturer coupons
Used: $19.00 in Register Rewards
Total Spent: 33.00
Total Saved: 50.00
4 Carry Out Dog Treats .94 each
8 Herbal Essences 2.50 each
4 Loreal Styling Products 3.99 each
Saved 30.00 plus (Herbal Essence just went on rollback for 2.50 each.
I spent 56.00 @ Albertson’s & Saved $66.00
Total Spent for Day: $162.00
Total Saved for Day: $252.00
Total Spent for Month: $525.00
Total Saved for Month: $650.00
Looks Like Saving @ around 60%
Not the best, but can work on getting saving % higher now that I have built up a stockpile.
only took the first two coupons, she said they others were different. It was not that important, I just wanted them to get the Register Rewards..Just changed my game plan a little. Second things that went wrong, I spent hours getting a list of free items available at Dollar Tree, but when I got there…they had none of the items! I have one more store to check out, just remember when checking the blogs, they may not always be accurate or your store match up with theirs (this goes for all stores, not just Dollar Tree) Have a backup game plan or be prepared to change thing up if things don’t go as expected.
P.S. I get back and there is a $5.00 off $15.00 in my email…Seriously? Looks like I will be making a trip on Sunday…Hoping for low OOP 🙂