Tag Archives: debt free

All My Birthday Wishes

Life starts at 40.  Today as I turn 43 and I have to say that life has never been more exciting.  In the last year I accomplished two major goals that I’ve carried for decades.

The first one was to publish a book.  This last year I managed to publish two; End of Mae and No Money Marketing: All You Need Is Like.  My second persistent goal has been to achieve a debtless existence.

Our debt was officially paid off on 11/11/11 which I thought was an amazing coincidence.  We thought we paid it off back in October, but Bank of America hit us with an extra little bit of accrued interest.  How we could have accrued $30 plus of interest on nothing we have no idea.  We just paid it off (again) and canceled them (again).  When I looked at the date I got a thrill: 11/11/11.

Life after debt is worth every sacrifice.  We ate a whole lot of tuna for over a year, didn’t go see Harry Potter when it hit the cinema and went without AC and heat unless we were in dire need.  We walked instead of drove, we cooked from scratch and we bought new clothes sparingly at thrift shops.

Even our wedding was a penny pinching event.  The entire event cost us less than $200 counting the romantic celebration dinner out afterwards.  We knew we wanted to be debt free, and we dedicated ourselves to finishing that goal.

Because of the year or so of doing without, we can now look forward to a lifetime of financial freedom.  I can work a part time job, and all our expenses are paid in two weeks.  We can focus on living instead of making a living.

I encourage everyone I know to do whatever they can to climb their way out of debt.  We live in the land of the free, but the consumeristic lifestyle foisted on us enslaves us and ensures that we will continue on in the pits trying to pay off televisions and cars that have long since died.  Debt tarnishes our golden years and leaves us with nothing but crumpled foil bits to crown us in our old age.

As I celebrate this year my deepest wish is to help all my family and friends to take the steps to financial freedom with me.  Every penny you don’t spend is a step that gets you closer; make more and spend less.  I want to help us all to be free.

 

 

It’s a Money! Money! Monday

All this for $1.03

Today we are officially debt free.  It’s taken a lot of creative scrimping over the years but it has finally paid off.  We owe no one and have brought our total monthly costs to around $500 a month.

The era of creative scrimping is far from over however because now we want to invest.  I haven’t talked a lot about money specifics on my blog so far but I’d like to start sharing some of the amazing deals, free items and ways to get extra with my favorite ‘fluffers’.  If you’re reading this, that’s you ;D 

Today I want to introduce you to an awesome site that I have followed for years called Money Saving Mom.  Because of this site I have stayed supplied with luxury items and gifts without spending more than a few dollars.  MSM makes putting together complicated coupon deals easy by doing all the work for us. 

She covers Target, CVS, Walgreens, Rite-Aid, Walmart, internet deals and more.  MSM is who taught me to get heaps of free goods from CVS and Walgreens.  You can read some past posts on my old blog where every Saturday I’d divulge my favorite deals – and how much they cost.

Some of the awesome deals up at MSM right now are 20 Free Kodak Prints at CVS (just in time for Christmas cards), 10 Reams of Paper and Markers for a penny after rebate from OfficeMax and Free Barista Prima coffee samples sent by mail.  Never miss the Deals of the Week for Rite-Aid, Walgreens and CVS and learn how to get all your drugstore shampoos and other goods for free or nearly free.  Be sure to look for MSM’s awesome tutorials at the bottom of her posts to learn how to not only get heaps of free useful stuff, but sometimes even get paid to carry it away. 

One of the things I missed while in Australia is they don’t really have coupons and bargains like we do in the US so I’m excited to get back on the hunt and see what goodies I can score.  And now my secret’s out on how I can always have gifts but never spend money.  It’s the thought that counts anyways ;p

Let me know if you score any interesting deals from reading MSM’s site.  I check daily because she is constantly posting new items and some of them close out pretty quickly.  And that’s my tip for this week.  Happy deal hunting!