I realized a few days ago that while I talk a lot about saving money, getting out of debt, and having a budget, I have never explained to you how I keep track of our budget and finances. There are so many different methods out there. Some people just use paper. Other people like software like Quicken. Other people like online software like Mint or Mvelopes. I have used some of those methods in the past to track my budget but I always come back to Excel. Categories Each budget, no matter … [Read more...]
Our New Savings Plan
I think most everyone can agree that it is a good to save money. Emergency funds are necessary for those unexpected situations. Then there are those big purchases that require saving ahead of time if you want to stay out of debt. You even need to keep money set aside for non-emergencies but necessary things like yearly car repairs. For us, building that savings is hard. We tend to build it in large amounts like when Matt makes bonus at work or has storm work or with things like our tax … [Read more...]
Swagbucks Changes
Have you heard yet about the new Swagbucks changes? They made a bunch of changes concerning gift cards. In short: - You can now order one $25 gift card per month for 2,200 SB, with the exception of Paypal. - They are now offering a $3 Amazon gift card for 300 SB. They are still offering a $5 option but it is now 500 SB instead of 450. Basically, the same as all the other $5 gift cards. I'm looking forward to seeing how the $3 option works out. Since the $5 option is now … [Read more...]
Use Coinstar to Earn Amazon Gift Cards
I'm sure most of you have heard of Coinstar. If you haven't, it is a machine that you can put your change into and it counts it. It then gives you a slip of paper to turn in for cash instead of change. For a small fee, of course. You usually find them at the grocery store, Walmart, etc. I'm also sure most of you have heard of Amazon and most of you like to earn free Amazon gift cards (my favorite is Swagbucks). Did you know that you can now use Coinstar to earn Amazon gift cards? To … [Read more...]
Debt Payoff Check-in
I'm not sure I can really do this post. Our debt payoff has pretty much stalled. When money got super, super tight a couple years ago, I put Matt's student loan in income based repayment. That actually put it in deferment for two years. For two years, it still collected interest but we paid nothing. We are now back to paying on it we officially owe more on his loans than when we graduated. Also, pretty soon, we will have another car payment. We aren't going the truck route like we had … [Read more...]
Ways I Saved- January
1. I made cookies using a mix I received as part of a Yankee Swap at a Christmas party last month. Less work and cheaper than making them fully myself. :) 2. I used a Buy One, Get One Free coupon to buy some disposable razors. I haven't paid full price for razors in 7 years. 3. I used a free medium coffee coupon from my Dunkin Donuts Perks account. I love that program! I put money on my DD gift card and each time I use the card, I earn 5 points per dollar spent. After 200 points, you get a … [Read more...]
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