Friday, January 14, 2011

Start an Emergency Savings Account Now

I just read this great article/review from Dave Ramsey's debt relief program. The first step is to get out of debt is to create an emergency savings account. He suggests $1000 to start. This is a great buffer for car, pet, even small medical emergencies that come up.

Some of us will take longer than others to get this fund set up but the goal is to do it as fast as possible and move on to the next step. There are many ways to acquire the money... selling stuff, extra job, skipping some fun stuff and replacing it with other inexpensive fun stuff.

This emergency savings account sets you up to relax a bit when something extra comes up or the mini van needs new tires, etc... It allows you to move forward and feel at ease. YOu can check out the review that I found by CLICKING HERE to see the next steps in Dave Ramsey's program.

Wednesday, January 12, 2011

to Coupon or not the Coupon... that is the question

With all the talk about saving money-perhaps that is your New Years Resolution- I stumbled upon a tv show called Extreme Couponing... Wow was I inspired to go out and get $600 worth of groceries for $32. So I started to research a few "coupon gurus" on the web and found that in order to do this kind of extreme coupon shopping you have the have your $h!% together. If you are naturally super organized this will be easy for you. Here is a site that I found that will help you get going on couponing one step at a time. http://www.mycouponteacher.com/ there are others out there that will teach you the basics.

I am one of those not so organized chickies. I will start small and see where it takes me while observing my SIL and Mom while they take the journey into couponing. If anything comes of this for me or them I will share it.

Go ahead, clip a few, double a few and see what you can get for next to nothing.. if it is not fun move on... if it is a blast you go girl or boy :o)