Knocking Down Debt

So with all the financial issues over the past few years, I am going to work on getting my debt down, and start saving some money. Hopefully 2016 will allow me to get on the right track. So here I will list my bills each month and what my current debt is…

I have a strange living arrangement where my ex and I are roommates, (strictly though some find that hard to believe) Long story of how it happened, but it is better financially.

He Pays:

Rent: 950.00
Cell: 400.00 (5 people total on plan)

Total 1,350.00

I Pay:

Insurance: 327.00 (two cars which include my 20 year old daughter, my way of helping her save for college)
Cable: 180.00
Water: 100.00
Gas: 100.00
Electric: 300.00
Car: 357.00

Total: 1,365.00

Outstanding Debt:

Rise Loan that I took out to help my daughter:
2,000 will have an added 500.00 to my bills until May unless I can get it paid off sooner (hopefully)

Borrowed Money from my car problems

My Mom: Borrowed $2,000 Currently owe: $750.00
My Daughter: $1,400.00 Currently owe: $1,400.00

Credit Card Debts:

First Savings: 350.00
Legacy : 350.00
Merrick : 900.00
Capital 1 : 500.00
Capital 1 : 500.00
Victoria S : 300.00
Kohl’s : 300.00
BOA : 500.00

Total: :3,700.00
Total Debt :5,850.00

I make roughly $500 a week, sometimes more, my goal is to pay these debts down, save up an emergency fund, and earn or save an extra $2,000 this year by mystery shopping ect. I am doing 2 envelopes for the 52 week challenge, At the end of Feb, I will update progress, This month…I am still trying to get back on track 🙂

October Update: Due to the fire, all the progress I made towards knocking down my debt was lost. It’s only natural that it will take awhile to get back on track due to struggling financially from this devastating event. I will try again in January, and hopefully knock down debt and stay on track.

Super Coupon Woman’s 2016 New Year’s Resolutions!

So the New Year is here, and after a few rough years financially, I am hoping for brighter days ahead. I will still put paying it forward and donating a priority, but will also try to focus on myself a little more.

I tend to always put myself last without realizing it..I have not bought anything for myself in over two years! I spent 2,000.00 on the $50k challenge as well as taking a $9,000 setback due to lots of car issues (went through 3 last year…No No not my driving, just older cars that broke down and had to get a new one. I had to finally break down and get a new car with car payments which is what I was trying to avoid, but I am much safer so it will be worth it!

I helped over 70 children which equaled to about 30 families. I didn’t ask for any income requirements, just a Pay It Foward project, I gave each child between $250 and $400.00 worth of items. I asked each family to send pictures so I could put a video together. Out of 30, only five did. Thanksgiving, I helped 12 families, and only two sent them to me. When I messaged some of them and asked for the pictures, they just never responded back. Though I did not expect anything in return, this hurt my feelings knowing I put my own financial issues aside to pay it forward, their actions hurt my feelings as I am a sensitive person and take things to heart.

I am proud of my accomplishment, and will continue to work towards my #100,000 goal, just at a slower pace. I only need $15,000 to go! With the awesome friends I have, and getting my finances in order to save for a rainy day, this goal should be a breeze!

This year I plan on getting back into extreme couponing more instead of the retail end. I will be sharing my couponing trips with you..some I may scour and search for every coupon available, some I may just browse the sales. I had a fan want me to share how I work in donating my shopping trips. So by sharing my shopping trips good or bad, you can see how it works!

I will also be working on getting my debt paid down, and building an emergency fund so I will not have to be so stressed worrying about the next bill..(yes unfortunately, I am still in this phase)

So, yes this year I will focus on myself and still help others…good plan!

I look forward to sharing my book with everyone when I get it finished.

Happy Donating!

Super Coupon Woman

Super Coupon Woman’s $50,000 Challenge Results!

It’s New Year’s Eve 2015, last day of the challenge..I thought I would share with you the final results of the $50,000 Challenge! Even though I didn’t make the complete $50,000, I completed my 2nd goal of $30,000 or more. The final amount of donations collected and distributed is: $33,500.00! I am very happy with the results, making me be able to help many families in need. I will continue my mission in 2016 to complete my goal of donating a total of $100,000 to my community. I only need $15,000 to make this happen.

With this challenge, I have finally put Super Coupon Woman Foundation in action to help people on my own instead of donating to other charities. I am finally working one on one with people which has been pretty amazing. I was still able to help several charities such as: Arms of Hope, Big Brother’s and Sister’s, Helping Hands, as well as a few local charities. I was able to give out 25 backpacks filled with school supplies to those in need. I sponsored 12 families for Thanksgiving, and helped 70 Children have Christmas this year. After completing these missions, I gave the remaining items to those affected in Texas by the tornado’s which had a retail value of $1,725.00 of which $1,500.00 were new items.

I am very proud of this accomplishment because I thought about calling it off several times due to financial issues that took over $7,000 out of my budget. My friends, family, and fans gave me the support I needed to continue on, and encouraged me to move forward to see how much I could donate. Without their help, I would of not made my goal, it showed me that working together really does make a difference.

Thank you to everyone that donated, supported, and encouraged me. There have been tears, stress, uncertainty, but also happiness, excitement, and anticipation that has made it all worth it. Even with the $7,000 financial setback, I was able to spend $2,000 of my own money along with some amazing friends to be able to pay it forward to so many people in 2015. I never dreamed when I started couponing and donating that one day I would be able to say as a single mom, I was able to give back close to $100,000 to my community. I look forward to sharing my story in the book I am currently writing to inspire and teach others why it is so important to give back to your community, and how couponing can allow us to do so! I am hoping to have the book out sometime in January 2016! Below is some pictures of some of the great moments of this challenge.

backpacks

turkey2

christmas tree

christmas2

christmas4

christmas3

christmas5

tornado

kohls

Super Coupon Woman