CategoryFrugality

Debt free

We are now officially debt free (except our mortgage). We made the last payment on our last medical bill this morning. Our credit cards we paid off a couple weeks ago – we used our tax refund for it. We were so close that Stephen and I figured we’d use the lump sum to take care of it all that way. It has been a long process of cutting back to pay off our debt. Some of it was from […]

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Cash system

A friend of mine asked the other day about why and how we do our cash system. In short, we’re loosely following Dave Ramsey’s system for budgeting. We pay most of our bills online, and everything else is typically pre-allocated before payday arrives. We pay cash for most budget categories, with groceries and clothing being the two biggest. Gas money stays in our account because it is so much easier for me to pay with a debit card at the […]

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Envelope system wallet

I’ve mentioned before that we use the cash envelope system for budgeting some of our expenses. First, I made some zippered envelopes. They worked well, but since they aren’t labeled they’re too easy to mix up inside the store. What’s the use of making three separate transactions if you pay out of the wrong envelope? Then I came across this cash envelope tutorial. It looked simple enough, so I decided to just try to figure it out on my own. […]

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Making do with what you have

Lately I’ve had a few conversations where the other person ends up saying something like, “You MADE that?!?” It amazes me. For us, it’s simply making do with what we have. We went through an incredibly hard time financially a few years ago. Things had been tight for us for a while, but when Stephen was laid off, things got much tighter. We worked so hard at trying to just pay our bills, that anything outside an absolute necessity was […]

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My $.88 turkey

A long time ago, you could go on the Jenni-o turkey website and request a $5 coupon. I did, but never had a chance to use the coupon after it arrived. It stayed in my purse, but I’d pretty much forgotten about it. Until this week. Walmart had their Jennie-o turkeys on sale for $.40 a pound, so I went to buy one (after buying one at Aldi earlier for $.99/lb – wish I would’ve known about the Walmart sale […]

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Cheap flour

If you live in an area with a Harris Teeter nearby, they’re having a great sale on flour this week. I went in there yesterday to do a coupon run (they’re tripling this week as well). I happened to see the flour section, and thought, “They must have coupons for flour out right now.” Then I saw the price tags, and figured out why there wasn’t much flour on the shelf. It was on sale for $.99 a 5-lb bag. […]

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$14.41

Here are our finds from a trip to Value Village this morning. They have a half price sale roughly once a month. It’s a madhouse in there, but worth it for the good deals you can find. This morning, all these clothes cost us a whopping $14.41. I was able to find a few more clothes for Little Miss, some church shirts for the boys, and a bit more fleece to get more diapers finished. I’m not sure if it […]

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Coupons 101 – Ethics

There is one more thing about coupons that isn’t necessarily a “how-to,” but more of a reminder. Ethics and doing what is right. When a store has a super sale going on, and you can get things for really cheap or even free, go ahead and take advantage of it. Buy what you can and put some back for later. Most sales go in cycles, but it could be quite a while before you see a price like that on […]

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Coupons 101 – Know your prices

One of the next steps to couponing is knowing your prices. I think that is one of the more time-consuming (at first) parts of couponing. It’s not impossible, but can be a challenge sometimes. What it boils down to is knowing what your absolute lowest price is for an item. A coupon does you no good if you can go elsewhere and get an identical (or sometimes better) item for the same or lower price. This is where having a […]

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Price Books

I’m going to interrupt my coupon series here to blog a little about a price book. It’s not absolutely vital to couponing, but it is such a HUGE help that I wanted to include it at this point. A price book is valuable whether or not you use coupons though – so hopefully this post will be a help to someone. A price book is some sort of document or book that contains current prices for items that you normally […]

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