Category Archives: Uncategorized

Day 40: Can’t Quit

Well, here we are. 40 days into the new year and 40 days into the New Year’s Resolution. You may ask, what happened from Day 8 to Day 40? The short answer, everything. It seems when you set out on a journey to accomplish something great you encounter many road blocks that want to derail your efforts. Simply put, life got really busy at work. I have a small business and had 2 people tell me they were quitting within 24 hours of each other. For us that’s 33% of the workforce. That suddenly added a lot more work for me and took away a lot from my free time. But here I am. Still plodding away.

We are still working on doing things at home to save each week. But when the stress of life hits it makes it a whole lot harder to plan. For example, I found myself going to buy lunch for myself on the days that I went into to work rather than packing a lunch. This money did come from my personal blow money, but I could have saved that for something more fun rather than yucky fast food.

So thanks to those of you who have asked about the blog. I haven’t quit. I want to keep going. And I also want to continue to share the tips that I have learned about saving money.

Oh, and if you are curious, we were unsuccessful in putting any extra money on the mortgage in January. This was not due to a┬álack of saving. Murphy decided to move into our house for the month and made it harder squeeze out any pennies. Let’s see if we have more success in February. Thanks for your support and your prayers. We could use it. And hopefully we will see you tomorrow.


Day 7: Divine Guidance

The end of another week is upon us. And as I slow down for the next 24 hours, it’s a good time to stop and think. To have my cup filled back up. To be renewed. To be restored. And to focus back on the Giver of Life who has given so much to me in the past week.

As you think about where your personal finances are, remember that God has a plan. He always does. And the great thing is that His plan is perfect. My plan, my goal, to pay off the mortgage in 365 days, has many flaws. Because an imperfect human has crafted it. What I do know is that the only real possibility of making it is due to all the blessings our family has received from Him.

So this week I want to share with you one of the first texts that I learn on my road to financial freedom. Proverbs 22:7.

“The rich rule over the poor, and the borrower is slave of the lender.” (NRSV)

Someday I will tell you more about how God used Dave Ramsey to help me make better choices with money. But for now, I will recommend you read more about Dave Ramsey’s background on debt HERE.

May God Bless you and your family in ways you don’t expect.

Day 5: I’m an idiot :)

So, I’m an idiot. And I can say so with a laugh and a smile on my face. It seems that the drama associated with missing the 99 cent photo deal was all self-induced. I, like an idiot, was trying to get the deal on THE WRONG WEBSITE. lol. The 99 photos for 99 cents was and is a deal that you can get at not Shutterfly. My sincerest apologies to the Shutterfly company and my gratitude to Snapfish for the ease in ordering my photos today. Plus, I got a bonus 20 photos for free from Snapfish for being a new customer. It’s okay to laugh with me, or at me. Whatever you prefer.

Click HERE to get your first 20 prints for free as well. And if you want to try to get the 99 photos for 99 cent deal enter in code 2011PENNY. Details of this deal can be found on

Day 4: It didn’t work

It didn’t work.

I stayed up until nearly midnight last night to meet the deadline, getting my photos loaded up to Shutterfly. When I went to enter in the discount code, it didn’t work. UGH!!! (Check out the Day 3 blog for the backstory.) Sure I was excited about the deal I was about to get. And I was equally excited to see my photos in print, especially the photos of my son’s first Christmas. Thus the double disappointment. Not to forget, I was really tired this morning.

That is not the first time, nor will it be the last time, that I miss out on a deal. It’s part of the process. You can’t be everywhere everytime and there are often limits on how many deals there are available. It just happens. When I first started out couponing, which is just this past year, I would actually feel bad if my sister got a deal that I didn’t. I felt like I had to pursue every possible deal out there, especially the free stuff. And yes, you can get lots of truly free stuff with couponing. As time has gone on, however, I accept the limitations and misses much easier. I have gotten a deal from Shutterfly before. There will be one again.

So the moral of the story is… if at first you don’t succeed, buy, buy again. : )

Day 1: I want to live like no one else

I have a dream. I want to be weird. I don’t want to be normal. I want to live like no one else, so later we can live like no one else. I want to be…. free of a mortgage. That’s right. I want to pay off our mortgage in 2011.

I am 34 1/2 years old and it drives me crazy that I have to pay the bank each month for our mortgage. I think of all the things that we could do with that money. I want FREEDOM!!!!! Because we still have a mortgage I have to work. I would much rather stay home and take care of my 6 month old, but that is not a reality in our home. At least not yet.

Over the next 365 days I plan to log the successes and challenges of what it takes to reach this goal. I have been training for this, like individuals who train for a marathon. I have been debt-free, except for the mortgage for 6 or 7 years. I haven’t used a credit card since the fall of 2004. I recently started extreme couponing (more on that later). I have a husband who is on board with the plan. So I think we are ready. Let the marathon begin.