Get $200 when You Open FREE Accounts at Capital One Black Friday Weekend

capital one 360 black friday 2014

If you haven't opened a free Capital One 360 Savings Account and free  Capital One 360 Checking Account, now is the time to do so!  For Black Friday weekend, they are offering some great bonuses!  Both their checking and savings accounts are free, so you've got nothing to lose.  I have had a Capital One 360 account for 10 years (since back when they were ING Direct) and have loved them! This year's Capital One 360 Black Friday Sale gives you $100 when you open a savings account and $100 when ... read more

Elite Blog Academy Black Friday Deal


I have hand-picked a few select Black Friday deals this weekend that I think are a great fit for many of my readers. This deal is perfect for you seasoned bloggers who want to grow your blog's traffic and income, as well as those of you who are just getting started with blogging.  You really can earn money blogging about your passion and Elite Blog Academy is the perfect guide to help you do so.  Let me explain!   When I first started my blog, Ruth Soukup had just come out with her ... read more

Do You Have a Black Friday Budget?

black friday budget

Will Black Friday make or break your budget this year?  When you stick to a budget and a well thought out plan, Black Friday can be a great time to save money.  When you hit the stores without a budget or plan, Black Friday can be a financial disaster.  Which will it be for you? Black Friday shopping-- people either love it or hate it There are the folks who will camp out in front of Best Buy hoping to get a great deal on the latest electronic gadget.  I'm sure part of it is the thrill of the ... read more

Easy Homemade Pie Crust in Bulk– Save Time and Money

easy homemade pie crust in bulk

Does the thought of making a homemade pie overwhelm you?  Pie-making used to feel like a big task to me when I took into consideration making both the crust and the filling from scratch (and in our family, there really isn't another way besides scratch). Several years ago, I learned a new recipe along with some tricks that have simplified pie-making for me.  The key was making pie crust dough in bulk and then freezing the dough balls. Making pie crusts in bulk has some wonderful ... read more

Can You Be Thankful For Debt?

thankful for debt

It's easy to be thankful for the good things in our lives.  That comes pretty naturally for most people.  What requires more thought and builds more character is figuring out how to be grateful for the not-so-good things in our lives. Years ago, I read an unconventional gratitude list that really made me stop and think.  It included entries like: I'm grateful for mounds of laundry because it means we have plenty of clothes to wear. I'm grateful for sinks full of dishes because it means ... read more

Great Ways to Earn Extra Money This Month

Earn Extra Money This Month

There are countless ways that you can earn money on the side but many of them take time  or money to build up.  Sometimes you have to wait months or longer before turning a profit.  For example, starting an Etsy shop is a great way to generate an income, but it takes time to get it off the ground if you do it right. Today I want to share some ideas of things you can do now to earn money this month.   Sell Your Used Stuff Locally If you take a look through your closets and drawers, you might ... read more

6 Great Ways to Save Money on Christmas Cards

save money on Christmas Cards

I love staying in touch with the people I love by way of Christmas cards.  I enjoy hearing from friends far and near around the holidays.  However, sending Christmas cards out to family and friends can get expensive, especially if you have a tight budget. Here are 6 ways you can save money on Christmas cards: 1- Make it Digital While getting something in the mail adds a special touch these days where "snail mail" correspondence is infrequent, it really increases the cost of Christmas cards. ... read more

Our Freezer Nightmare: A Cautionary Tale

freezer nightmare

This post was supposed to be published on Halloween because it's kind of scary and gross.  Don't say I didn't warn you! About a month ago I sang the praises of our deep freeze.  I shared the many different foods the you can freeze.  Apparently many of you love using your freezers too because that post was quite popular and was shared a lot. Before you put all your proverbial eggs in the deep freeze basket, let me share with you "The Freezer Nightmare" from our collection of life ... read more

October 2014 Debt Repayment Progress Report

debt payoff stats nov 1 2014

October flew by!  I had a special post planned for Halloween, but getting the family all costumed took precedence.  I'll try to get it up later this week, so stay tuned for a scary story.  In the mean time, here's our report of what we earned, spent and paid in debt during October. Debt Repayment This month we paid $2,276 toward debt.  That includes a deposit from SmarterBucks. Income Our total net income for October was: $4,365  For those who are new here, this is income that will be spent ... read more

Our Strategy for Saving on Heating Bills

saving on heating bills

In a classic analogy, if you drop a frog into a pot of boiling water, he'll immediately  jump right out.  If you drop the frog into comfortable water and gradually heat it to boiling, the frog will be boiled. Side Note #1: My husband thinks the frog in the pot scenario is a bunch of baloney, but we're too nice to test it out. Whether or not the frog story is accurate, most of us would agree that gradual, subtle changes are more easily accepted than sudden, drastic changes. I want to use the ... read more