Tuesday, April 12, 2011

Coupons & Debt

Ben & I have made the decision to start couponing - like, really couponing. Not just the random once-a-year "$3 off a haircut" coupon that comes in the mail... but researching sales and clipping coupons every week.... as many as we can find... to save some serious cash on our grocery bill.


This is one of the changes we are making in order to be more "Gazelle Intense" (it's a Dave Ramsey thing) in getting out of debt. Ben is also going to start looking for part-time work - possibly a pizza delivery driver on the weekends.  (A weekend job is pretty much the only option that would work) And even just an extra $100 a month will help tremendously! Between the money I anticipate savings from groceries, and the money Ben's second job should bring in, we're hoping we can be fully debt-free by the end of 2012 (or sooner!)

We are putting the motorcycle on craigslist and hopefully that will sell soon. Then we also have to sell our car because if we don't sell it soon - we're not going to be able to sell it anymore. It is going to reach the point of "if one part isn't broken, another part is" which we've already started down that road, already throwing $2,000 at car repairs in the last 9 months. And there will be more stuff going wrong in the future. It's time to sell this one for whatever we can get for it, and buy ourselves a vehicle that will last - one that we buy newer, and that we can drive until it dies (hopefully many years down the road). The down side is for a vehicle like that, it's gonna require a loan. *sigh* But maybe after selling the motorcyle and car, we'll have the loan for my car almost fully paid off - so instead of adding another loan payment, we'll be replacing a loan payment.

But we are still hoping to be debt-free by end of 2012 - including the new vehicle loan - because we are going to work our debt snowball with intensity!

Sorry, I tend to ramble. Anyway, back to coupons....
There's so much info about couponing out there, I just get overwhelmed. But I'm thinking this will be like cloth diapering was... when I first made the decision to cloth diaper, I was overwhelmed with all the options and opinions. I almost gave up becuase it seemed like I'd never figure it out - but I just dove in with both feet, and learned as I went. I now LOVE cloth diapering and the confusion at the begining was totally worth it, now that I've got the hang of things and am actually doing it. If couponing is the same, then I know I'll do fine... but it sure is still intimidating getting started!
 If you use coupons, please share any tips or advice you have! I'll need all the help I can get!

6 comments:

alethea said...

i love to coupon, my thing is, there's never anything that I use... like almost never. it is all for things that i would have to buy just to get a discount. and that doesn't help to buy things that I don''t need just for the discount... maybe i need to research it more too...

Kaatje - Wallflower said...

I personally don't get why some people are so against coupons! if it saves you money why wouldn't you get the siccors out, I roam the coupon booklets here on a weekly base!
isisanyanka (swapbot)

Just Add Cloth said...

I would love to use more coupons. I can just never find any for stuff or brands I actually use. I did like the CVS coupon system.

Heather R. said...

Good for you! I've been using coupons more and more recently and I think every little bit helps for sure. GL with your goals to pay debt off.

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tiger1i1y said...

I've been couponing for almost a year now. Some good sites to print coupons at are smartsource.com , redplum.com , coupons.com, and printablecouponsanddeals.com . You can also get coupons in newspapers: Sundays are probably the best. If you research you can find lots of blogs that are all about couponing. Check out couponmom.com . That's where I started. Always think of coupons as money because it is money. Once you find yourself getting a lot of coupons, the best way I've found to organize them is by putting them in baseball plastic sheets in a binder that way you can see all your coupons as you flip through the book. Don't be discouraged if you only save $20 on a $100 grocery bill because on average I think a lot of people save that much. Anything you can save is great. Once you get good at couponing and finding the right deals, you can get a good stockpile going and you won't have to shop as much. Make sure you don't buy anything you won't use or you'll end up wasting your money. I hope some of this helps!

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