Join Super Coupon Woman in Low Spend January & February

So I made my New Year’s Resolutions and accomplished a lot last year on a personal level after overcoming many obstacles. I got a little off track during the holidays as many of us do,so to get back on track and knock out my remaining debt, I am committing to a low spend January, February, and possibly March also. I really want to quit living paycheck to paycheck and save 3 months worth of bills and slowly work my way up to 6 months or more. There are many forms of saving, each person is different as to what works for them. I think for myself I need to trick myself a little bit. For example, since I am already used to struggling, would if I struggled a little longer but save that money to get ahead in the future. I haven’t been spending any money since December 25th LOL. Here are some of the steps and techniques that I am using to succeed for my low spend months:

I am a server and have started an envelope called 10 a day for me, so each day I put $10.00 a day in there that I am allowed to use on what I want but it has to include any household needs such as food, toiletries, pet supplies etc. I did have a small stockpile built up and used a $50.00 gift card that I bought for Christmas to get a head start on my plan.

I am buying a $25.00 gift card per week to use for Christmas, If I do not use them all or need them, I can use them for myself.

I am doing the 52 week challenge, but putting amounts in daily instead of weekly, I know once the amounts get higher I may only be able to do one or two per week, but this will help me with my savings goals If I am committed to this goal. This works out to 27 per week if you want a set amount to put up each week. Please join me in this challenge weekly or daily to save money easily https://www.facebook.com/52weekschallenge/

I am doing the daily penny challenge which is the same as 52 week challenge but on a daily basis which will add up to 668.00 in a year. I am on day 170 with the change I currently have. It works out to 12.50 per week if you would like a set amount to put up also.

I am putting 5.00 a day up when I work for a vacation I have planned in July, so yes I am just trying to get in the habit of saving any way I can without knowing I am doing it! I am still searching for even more creative ways to save!

You may ask why low spend? Most people do No Spend..Just those words make us feel like we are depriving ourselves of what we want, by doing low spend and being cautious of what we spend and getting a treat here and there will allow me to succeed with this challenge.

I would love to have some support, please comment below and let me know what your savings goals are and any unique tricks that are allowing you to succeed at saving.

Happy Saving!

Super Coupon Woman

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Cutting Hunger One Coupon at a Time by Tina M. Klein

Cutting Hunger One Coupon at a Time

by Tina M. Klein

Giveaway ends March 31, 2017.

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Super Coupon Woman’s Get Out Of Debt Journey 2017

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 πŸ™‚ 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)

Insurance: 272.00
Car: 357.00
Cable: 187.00
Gas: 100.00
Electric: 300.00
Water: 100.00
Health Ins:160.00

Total: 1,476.00

Other Debt:

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
Target: 750.00
Victoria S: 700.00
Legacy: 350.00
Kohls: 300.00
Legacy: 385.00
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 πŸ™‚

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!

https://www.facebook.com/52weekschallenge

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 πŸ™‚ 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?

https://www.facebook.com/fivedollarpayitforward