Super Coupon Woman’s 2017 Year in Review & 2018 New Year’s Resolutions

2017 was a year to recover and heal from several years of bad events that was hard to recover from. I had a pretty calm year other than falling and hurting my right shoulder which is my tray carrying arm. It’s still hurt and I have to be careful since I had to continue working with no money to fall back on. I am only limited to not being able to take large parties and other servers don’t believe I am really hurt.

My 2017 New Year’s Resolutions were:

Pay Debt Down Between 8-10k Success …will have 8k paid by the end of January. I did add some debt, but have a goal set to have paid by July of 2018

Build up Emergency Fund …Failed, but paid a lot of debt so it’s okay

Focus On Myself More and Not Put Extra Stress On Myself…Success!

Not Spend any money on Paying It Forward, can only use items others give me or free items I get from Couponing or any fund raising money I receive. Success…I did spend some money, but would back away if I was feeling overly stressed from paying it forward.

Make an extra 3,000 in income from side jobs such as book sales, mystery shopping, blogging, or other side jobs. Failed..only made about 200 and did not put time in on my blog, and froze as far as marketing my book because my self esteem got bruised from all I have been through…hoping to get my inspiration back this year.

Complete the 52 Week Savings Challenge which will give me 1,380.00 to deposit at the end of the year…Failed…too much debt to pay.

Try to pay for Christmas only using free money from gift cards from couponing, survey sites, etc. Failed

Write another… Book Failed

So lot’s of resolutions were not kept as with many, but the two main ones were…so I will be able to focus on the other ones this year. I hope 2018 will be a calm year that allows me to continue to heal and grow that will allow me to continue paying it forward without a heavy heart.

My 2018 New Year’s Resolutions are as follows:

Find fundraisers to raise money to grow and build Super Coupon Woman Foundation.

Continue to focus on myself to heal and grow as we all should each year.

Only spend money on paying it forward if budget allows.

Complete 52 Week Savings Challenge: Want to join to have 1,380 savings at the end of the year?
https://www.facebook.com/52weekschallenge/

Have three months worth of bills saved in the event of an emergency and work towards having six months saved.

Finish Girl’s Memory boxes and Scrapbooks.

Coupon & Stockpile more this year.

Write another book

Do mystery shopping or other side jobs to try and earn an extra 3k this year.

Start 2018 Saving Money in everyday life. My book will show you how to save money, coupon, and start your own pay it forward mission. Because I want to share my pay it forward mission with everyone, I offer the E-book version for only .99


Share your New Year’s Resolutions with us and let us know if you kept any for 2017!

Happy New Year’s!

Super Coupon Woman

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