How i got out of debt in one year,thoughtful thank you gifts for parents,mind expansion drugs,finding your soulmate when you are already married - Step 2

admin | starting exercise program | 24.12.2014
Do you have a credit card with high interest and you’re confident you could probably pay it off soon?
Subscribe to our daily savings newsletter and get hot deals, interesting stuff, and updates to your email inbox. The money I made from working part-time was enough to cover my tuition and textbooks, however I still had to come up with rent and other expenses.
Being in debt was a daily stress and after paying everything off – I swore I would never get back in again. We were able to get rid of over $19,000 in credit card debt, reduce our house payment by $200 a month and cut our living expenses by $400 a month while increasing our income by $1300 a month…all in just 16 months. So since he is a third degree black belt in Tae Kwon Do my hubby started teaching classes out of our garage to neighbors and friends and local kiddos. It gets a little bit wonky but the gist I took away from it is envision how you want your home and life to be, the feeling you get. Less eating out, more fun family “buffets” (aka leftover night of bits and pieces of meals and the kids loved it…calling it appetizers…haha). We got rid of our home phone, we have one cell phone we share (hubby is at work Monday-Friday and has an ipad he can message me with so no biggie). We got on the equal payment plan for our utilities…no more huge heat bill in the winter and huge air conditioning bill in the summer. I also was able to be a volunteer on a kids art camp which then gets my kids art classes for half off and I get first pick of the classes to sign them up for. We refinanced our house and saved $200 a month (we didn’t pull anything out, just qualified for a better loan).
Also we asked them to give gift cards to movies or restaurants or pay for activities for the kids to do instead of toys.
We trade for babysitting or now that we have a 12 year old we pay her or bribe her to watch some of the kids. We have at home dates twice a month after kids go to bed early (they stay up late Friday night for family movie night and then on Saturday go to bed early so mom and dad can have an at home date….good trade).
My husband is diabetic so we spend more money on food than the average family probably because his treats are fruit and good tasting meals and he can’t have super fast and easy sometimes.
Plus buy some cheapy containers at the local bakery…make a treat and tie it with bakers twine or that huge ribbon roll from costco and you have a cheap and beautiful and tasty gift. I cannot tell you how many times I have bought a ton of chicken thighs on sale, wrapped them up and froze them…and then NEVER remember to thaw them to use them. That was very inspiring and got me thinking of new ways my family and I can cut back and save. Jordan – It seems like the majority of your tips are for married, mostly stay-at-home moms, multiple children households. It doesn’t matter if you use a website, an app or Microsoft Excel to create your budget, as long as you create one. If so, you should transfer your balance to another credit card company that offers a 0% interest balance transfer for a certain period of time. Consider leaving your credit card at home when you go out or even freezing the credit card in a block of ice. I put myself through university by working lots of part-time retail jobs and with various acting gigs.
I eventually moved back in with my parents and went to school full-time for two years to finally finish off my degree.
Needless to say, I graduated with a maxed out credit line in my mid-20s and it took me until my very late 20s to get out of it. I collaborated recently with Chase Bank and wrote a little post over at sheknows on the 6 Steps That Finally Got Me Out of Debt. Okay so this may be a lengthy email so grab a dirty diet coke, a swig cookie and settle on in…haha!
Before my husband worked one job and I tried to do babysitting or farmers markets or little things here and there to make money.
Luckily his two extra jobs are he teaches Tae Kwon Do one night a week for 3 hours (30 students x $30= way more money than babysitting and only 3 hours away from family= happy wife). He basically makes sure they get their evening meds, don’t escape and wake up and get morning meds. Typically lessons around here are $100 a kid…well we have 5 so that would bankrupt us.
It teaches my kids to be respectful and work hard and take care of their things because if they break they don’t have 20 mcdonalds toys to play with. Our plan is the cheapest and we have unlimited minutes so we talk to family and locally without worry. This way the payments are the same month to month making our budget easier and if we spend less than they project we get a refund. This is so handy in saving my sanity because I can schedule all four classes at the same time because of the early sign up, and I still save 50% on classes so they can all take one or two each!


Hoarding good deals can sometimes lead to overspending so I buy what we need and can use and save the money for the next big deal. My kids are not big toy kids…1 day of fun and a lifetime of mom picking it up and putting it away right? But we pick local fruit when we can, make everything from scratch that we can and save that way. If you spend a bit of time on the packaging you can take a ribbon and clear wrap and make something tiny and inexpensive look thoughtful and amazing.
Her father owned an orchard in Washington and she brought them down to sell but no one wanted that kind.
Of course there are more things like buying on sale and stocking up on certain things (I’m looking at you butter). Subscribe via email and read new posts at your own convenience - you'll never miss a post again. List you income and your expenses in your budget, so you can analyze where you need to cut spending. Now, you’ll want to focus on the credit card that has the highest interest rate and pay only the minimum payment on the other ones. Once you complete the transfer, you should do your best to pay off the balance before you begin to accrue interest. It taught me how-to be a better writer, time management skills, work ethic and a respect for deadlines.
Today Jenny Park is going to share the story of how she attended my Frugality Boot Camp conference, then got inspired to pay off debt…and she did!
He gets to sleep on the couch (some places like this don’t let you sleep which is just too hard to do if you have a day job), watch movies, or do homework. When my hubby did a 4-H program for my daughters school (free and fun) we had so many parents and kids want to continue but couldn’t because of cost.
I don’t want to run around my house picking things up all day and organizing and reorganizing everything all the time. No more junk drawers of random “maybe I’ll use this one day, or what was that for again.” So I purged my house. They even sold some of their toys when I told them they could keep the money and use it for fun this summer. I just man the information booth for a few hours (while they are in class anyways) and then hand out t-shirts the last day of camp…easy peasy rice and cheesy! The stay at home chef has a refrigerator pizza dough. I make it, let rise 90 minutes, stick it in the fridge till ready to use for up to a week. But I tried the recipe from One Good Thing By Jillee. Less than $40 to make and it works fine.
I always post that I will come pick the fruit they don’t want and turn it into jam and pie filling and kick back a jar or two to them to say thanks! And at the end of the season before the frost if you notice a tomato field with some still on.
Somehow a debit card and credit card (even with cash back options) don’t seem like real money. We treat it more like a real job…attitude, work ethic, zones (chores), school work, getting along. Did you know that the average American household has as much as $15,000 worth of credit card debt? Also having a positive attitude just helps in seeing opportunities and laughing off set backs and makes life better. My husband can make way more money in less time than me, and I am frankly way better at cleaning and making cookies…there I said it! My husband LOVES to teach and LOVES martial arts time with our kids and especially teaching girls and women how to defend themselves and not be afraid to be strong. I mean how many times do you hear people say their Saturday (the funnest day of the week) is going to be spent cleaning the basement or garage? Kids love money more than toys sometimes and then they spend it frugally because it’s their money. We buy ALL our jeans second hand because they are usually a long-lasting item in the kids department and kids grow fast so you can usually score some great or even new items for uber cheap.
The kids love to go to a restaurant and order their own meal and soda…I know small pleasures right.
Costco sells bomb fresh mozzarella that you drop in bits on pizza, freeze the rest for next week. Well my kids and I headed down and ended up with 200 pounds (and that was with sharing it with 20 other families (she had crates full). Instead of planning a luxurious vacation or something of that nature, you should consider taking the extra cash and paying it towards your debts. We also try to put out good ju-ju by paying for those $1 balloons at the grocery store, the lemonade neighborhood stands, and donating time and goods to whatever we can whenever we can.


So he set up a business, got insurance and some gear and turned our insulated garage into a gym. The boys mow the lawns in the summer, and he is a mechanic so we get work for free and pay for parts. But we are a big family of 7 and eating out doesn’t happen much and when it does it is of the “no soda, share a meal, frugal, frugal variety”. We even made a family cookbook of our favorites so we have a wide variety of meals to choose from.
I always go with buckets and my kids so they can help pick and work with me…and sometimes a friend…safety in numbers right?! We made dried apple rings, apple pie filling, and tons of applesauce…just added a bit of sugar to sweeten them up a bit. The mere act of looking at my stack of money has had me put back items from that gigantic Costco cart more than one time.
Or coupons at thrift stores, or facebook yardsale sites for shoes and out of season clothing.
The multiple bank accounts, the budget weekly instead of monthly, how to pay off credit card debt, most of my fundamental systems can be adapted to any family size. You just have to realize that this is only a stepping stone in your life and you can conquer your debt. It’s extra money and it’s not like you were considering this extra money to be part of your budget, so why not? Especially here in Utah I have had people contact me to come grab their apricots so they can have some jam…haha! I have done ugly princess cakes, superhero cakes…as long as they taste good we have a good laugh and happy tummy. Yes sometimes they need to use the bathroom in my house right by the garage door, but mostly it’s totally convenient. They get gift cards to their favorite places to eat, or movie theatre or stores where they can pick out art supplies or tickets to go somewhere, or art classes. When ready to wash toss the whole bucket in the washer and add 2T scoop of homemade detergent into the washer and wash it up. I tried to give my kids some store bought applesauce and they said they would rather wait till September when I make another batch…haha…so that is a downside I guess too!
My little freezer (on my fridge in my kitchen) is for the things we need to use up…leftover pasta, potatoes, veggies and such.
So check out the beginner’s guide page and look at the general rules and tips and you should be able to adapt it down for a couple!
Hubby is at home= no rental fees, he can deduct the gear on taxes, teach my kids for free (saving us a ton), gives people a cheap and valuable alternative to martial arts classes (we have people that travel from three cities away to come and a wait list because we are full), and makes us $900 a month. If you have specific questions about a specific systems let me know and I’m happy to help!
Selling it is hard because no one wants to pay for my time and burnt arms…and I get it I am frugal too! Something about the items soaking in it breaks up the stain better than the spraying and rubbing technique.
Friend party is cake and fun at the house…either homemade pizza party or late night movie party with popcorn and treats.
The little kids buy gum with their money and my oldest has saved $129 (aside from her savings) because she wants to spend it on something good. The first time I took her to the store to spend her money she realized quickly that the $10 notebook she wanted was fine when I paid for it…for if it’s her money she much prefers the 39 cent one…haha. I trade for beauty products from a friend that sells NuSkin and get a big old bag for four jams.
People were buying $16 a piece with their $4 sacks when before they were offering quarters for $5 items…so we still made a bit and had a teeny bit to take to good old DI.
My cooler is scratched bit and doesn’t have wheels…but it’s clean and I can carry it and already paid for…haha.
I do make my own broths and sauces and freeze them in wide mouth quart jars as well if I have the space because if you have a few veggie scraps or chicken bones…you have free broth. It is always affordable, terribly fun and not gift focused at all…just experiences and family fun. Sometimes if you pay with cash you get discounts even…like gas in CA on our trip to visit family…nice!
And now my 12 and 8 year old can clean the whole kitchen, cook a bit, budget, shop and do laundry. WE can go to the splash pad and head over to maceys for an ice cream cone and wa-la $5 activity from the change jar…win!




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