A Litttle Fun and Free Amazon Prime

Hey guys, I hope you are all doing well.  Being cooped up can be hard.  Thank you for sticking it out so we can slow the spread of this virus.  If we all do our part we can flatten the curve sooner than later.

I have an offer her for you guys to get Amazon Prime free for 30 days.  Just go to this link https://amzn.to/2ymnydh  and start your trial.  You can get discounts, and Prime only exclusives.

Stay safe and keep checking back for more offers and deals.  Lets do more on lockdown

Do You Need Extra Cash?

So this will be quick.  If you are in need of extra cash go to https://www.instagc.com/420755
You can earn as little or much as you want.  It is great if you have a bill to pay each month that is an extra like Netflix.  I make sure I make enough each month to cover Netflix.  I get to watch my shows and movies and I never actually pay for it.

You can watch videos, take surveys, print coupons, and so many other things to earn points and from now until the end of the year they are giving you a bonus!  For the points you earn each week you will earn a percentage extra as a bonus.  The more points you earn the bigger the bonus percentage gets.  You could pay for your whole Christmas if you really wanted to.  I have been using it for a few years.  Last year I made over $400 extra dollars just using this site.  This year I am behind but I have still made over $100.  By the time this month is over I will have earned enough to cover Netflix for a year and have a little extra.  What are you waiting for?

Thanks for reading.  Until next time.

Product Testing

So I am am a member of an online community and some times they let you try items for free and then give them feedback on how you like the item.  I recently got such an opportunity.   I was asked to try Bic Gel-Ocity for free to keep as long as I gave a review after.  It is their latest gel pen for which they claim has the quickest drying time so there is no smudging.👍👍

I received my pens and liked the colors already.  It came with teal, pink, and purple. I decided to use the purple one as that is my favorite color.  The writing was very smooth and it dried quickly.  I did not notice any smudging either which was important because I used it to write my to do list.  I would recommend this pen.  I love office supplies and this would be at the top of my list for buying a pen.  More information can be found by going to http://h5.sml360.com/-/33q3f  💌

Thank you for visiting me again.  Until next time.

 #Gel-Ocity  #BIC

Just Checking In

We talked a lot about how to get started on the debt elimination journey and creating a savings.  I hope things are going well for you and you have started to make a dent in your bills.  Whether you are paying it off $1 or $100 at a time, the objective is to keep going.

To keep you motivated since we started this journey together I have accomplished paying off two cards and have saved almost $200.  I share this because I want you to know that you can do it.  I do not even make $18000 a year so if I can do it I know you can too.

I have faith in you that you can do this,  You just have to stick with your plan.  You made a goal and a commitment to get debt free.  Lets keep going together.  Remember the great feeling you will have once you pay off all the debt you owe.  Knowing you will have extra money each month because you do not owe $100's of dollars to credit cards and student loans.

I am proud of you for the hard work you are doing.  I am proud of you for deciding to finally get out of debt.  You have taken a big step and I know you can do it.  I will be here each step of the way to help you as much as I can.

Soon I will start telling you about the ways that I make extra money in my spare time to help off set the money that I am putting toward my debt.  I am actually buying my daughter a new backpack and because I work to make extra money and gift cards I am getting this $50 backpack for free.  So it is absolutely worth the effort.

Until next time, I am glad we are on this journey together.

Where Is Everyone??????

So I am writing these posts hoping I am helping some one out there.  I would really like to hear any feed back you have.  If you want me to change anything or add something.  I really hope that something I have said is useful to any one out there.  I have more helpful tips to share but I want to make sure that people are actually seeing them.

If you have questions or even some input of your own I would love to hear from you.  I would love the interaction from you guys.  I am doing this to help you so what ever you want to add please feel free.  Just like in school, no question is too small.  You may have the same question as some else and if we share we can all help each other and make our lives a little better.

Just Checking In

So I have given you a lot of advice in my last few posts.  I am just wondering if any one has started using them or has any success to share. Have you tried a budget yet?  How does your family feel about cutting back?  What have you decided to save for?  I would like to hear your thoughts on things.  Do you think these are good or bad ideas?

These are things that have helped me.  I kept looking for help myself but all the articles seemed to be geared toward people with a lot more money so I decided I would share what I have learned and used as a person that has very little wiggle room for saving and spending.  I only work part time and have a daughter to support so a big budget is not something I am accustomed to.  I wanted to help other people so I hope I am getting out to at least even one person to make a difference.

Ditch The Debit Card!!!!!!

Ok, so I know what you are thinking,  This lady is crazy!  You can not possibly  make it through the day without your little plastic friend.  It would bring an end to your world if you didn't have that little rectangle available at all times.  If you could not simply swipe the card through the reader then what would you possibly do?  It is ok I have a plan and a reason.

So true a debit card is convenient.  Yes it is way more simple than carry around cash. The thing is that problems can also arise out of a debit card that can really wreck your road to recovery.  Debit cards are so easy to use that a person can get carried away just swiping all the time.  One little mistake and you could be cleaning up the mess for an extra month or more.  Who wants to deal with all of that when you are already trying to get your budget together.

 1.  You go on a day of errands and have to hit 5 stores that day. You do good on the first couple of stops making sure you put your receipt away but by the 4th store you are tired and just want to be done and forget to get it.  While this seems easy enough, what if it is for gas and it only shows up as 0.00 because it is still pending and you wait 2 days to fill in your check book.  You forget how much you spent and guess you are $3.00 off on your guess now your book is wrong and you go about your spending.  Then BAM!!!! Over draft charge.  You may even forget to write it in all together in the first place and there it is a fee just because you forgot one transaction.  Now you are negative and either have to keep using the card and make it worse, use your credit card which will now incur interest or dip into your savings.  All of which defeat the whole purpose of what you are working for.

2.  You buy a trial of something because you can put it on your card and it seems cheap.  Then you forget to cancel it and now you are paying $80 for a trial item because they have your card number and can automatically bill you.  Once again you are hit with fees and looking to pay for everything you just did again defeating the purpose.

3.  As we have found time and time again they are not super secure either and when you are trying to save money because you don't have any, you can't afford an act of fraud.  Depending on the situation it could take 30 days before you get your money back.  My guess is if you are reading this then you can not afford to wait 30 days to get your money back

Now lets get to what you should do.  CASH!  That is right plane old paper bills and coins.  This is the perfect way to stay on track.  I am not saying no electronic use.  You can pay your bills online to save driving every where and wasting gas which of course costs money.  You keep track of how much you have after bills by doing that in a check log.  What is left after you get paid and deduct your bills is the cash you have to spend until your next payday.  THAT IS IT.

You only get what your check log says you have.  You then take out the cash and that is what you use.  This is also helpful because it is more visual too.  You are physically giving away your hard earned money which can be harder the less you have.  When you actually have to hand over a $5 for that one cup of coffee it starts to sink in that you are giving away a lot of money for one little thing.  You go out to eat and you have to use a $20 and only get a $5 back it really does hit a nerve and you will start watching what you are doing more.  When you only have $20 left and payday is still 4 days away you will be much more careful.

How do I know this?  I have been doing it now for 5 months.  I don't even have an ATM card now.  There are times where things have come up and unfortunately I have had to use a card or my savings and that is also life.  The important thing is that because I have been working to change my situation I actually had money on my card or cash in the savings.  I made sure to keep myself accountable.

It isn't always easy and I know every situation is unique.  I am not going to tell you to save $50 every check because I couldn't do it and still have money.  I am giving you tips to help you get the start you need and you can customize it to fit you.  I work at a bank so I can get the money out when needed but you may still need an ATM card just in case, that is what will work for you.  Until next time.  Keep up the good work.  I would love to hear if any one has been using my steps and how it is working for them.

Saving Money and Getting Out of Debt: Have an End Goal

So you have made the commitment to save money and get rid of your debt, now what.  Your next step is to have a final result for why you are going to make this commitment.  You have to decide why saving is important to you.  What is in it for you?

What is it you are saving for?  Do you want a new car, or maybe a house.  Maybe you have kids and want to be able to pay for their education.  Maybe you are just tired of giving your money away to fees every month.   What ever it is you have to know what your working for.

This is important because if you are not working toward a goal you are more likely to go off track.  You will use excuses about why you will do it later.  You just tell yourself you will do it later.  Or just give up because it is not worth it.  With no goal you have no purpose and that can lead to failure.

For me it is being able to provide better for my daughter.  I want to be able to be able to send my daughter to school without taking out a bunch of loans.  I want to be able to not worry about my future when I am older.  I want to know that I will always be able to take care of myself and not burden my daughter when I am older.

What ever you reason is use it as your motivation for this journey.  It will help you when you fell like giving in to extra spending.  It will be the center of your change.  Make it something good to, something that will really keep you going when you want to give in.  Believe me, there will be times when you will say all this is too much and I just want to give up and do what everyone else is doing.

I am happy to have you on this journey.  I hope you will continue to follow me and find your freedom. 

Get ready

Ok so I have been working on saving money and paying bills.  So far I have learned how coupon and got 2 laundry detergents for $.84 for both not each but both.  I paid off my car loan one of my credit cards and the loan I got for my phone.  If you want to learn how I did this and see if I can help you then come back starting Monday June 2nd where I will start posting what I have learned and done to start turning my life around.  We all need a boost so I am here to give one if you are ready to take it.

New Year New Day New Ideas

So it is 2014 and I am excited.  I have so many things to get done this year.  I have a million ideas to do my business.  A ton of new ideas for how to make products for my daughters business.  I am determined to make this a great year regardless of how 2013 went, it is over and fresh starts are possible. 

My divorce happens in March and while I am sad I am also relieved.  I no longer have to worry about it.  I can just focus on mine and my daughters futures and make our lives as awesome as possible.  What are you putting behind you this year? Are there reasons you are happy that 2013 is over? 

I know I am going to be really busy this year but it is all going to be good stuff.  I also plan on getting my daughter back into dance so I will have to get ready for all the practices and recitals and maybe competitions if she is still good enough for the dance team.  Then work on business stuff as much as possible.  I have also found a survey company that makes it easier to earn money.  I have only been doing it a couple days now and almost have enough points to cash in for $10.  You only need to earn 100 points for that and there surveys generally pay decent points for each one.  I am using another one that is taking a little longer but still better than when I tried it last time.  So at say $10 a month I could earn a minimum of an extra $120 this year so I can put that toward my $5000 goal or use that specifically for Christmas.  You can turn it in for other stuff that is decent but I am just more interested in the money.

Well I just wanted to drop in with a quick chat tonight.  I go back to work in the morning and I only have about 6.5 hours to sleep.  It is going to be a great year so lets get together and make it fun

Day 2 of Savings Apps

As promised I am continuing my posts about apps that are for shopping.  I really like the apps because they are very convenient.  I just have to remember my phone and I can save.  I am not saying that I don't still use coupons but apps can also be used with coupons and I generally do the worst shopping mistake and shop on a whim instead of being prepared.

https://keyringapp.com

For today's topic we will discuss the key ring app.  I like this app because you can put all your savings cards in one place.  Instead of having a million loyalty cards in your wallet you can put them all on your phone.  In addition to this for some of the stores it will even tell you the savings that are going on for that store.  You can even join other programs that may not have a card but that Key Ring has partnered with.  It is very helpful in getting your savings at your favorite stores.

I have been using it for awhile now and it has been a life saver.  Sometimes I have had to grab a set of spare keys or I am driving a different car and then I don't have my card.  I may even just be going for a short trip so I don't grab my wallet and that means no card.  It is very frustrating to lose points or discounts because I forgot it.  Nothing like not getting the sales items because you forgot your card.

That is why this app is so great.  It clears up your wallet space which is nice for putting other things in there and it makes it less bulky.  That is a bonus in itself.  One thing any body can use is more space and less clutter.  I know I am happy that way.  If you are a multiple loyalty card holder this is a must have. 

Upsetting Day So Lets Talk Savings

So today did not go as planned at all.  I was not able to get anything that I wanted to done so I am not very happy.  I could not get on the site to finish my divorce papers so I was not able to go file.  My cable was out and couldn't get it fixed so that was annoying.  So today we are going to talk about savings and points apps.  I am going to cover them over the next couple days.

For today we are going to talk about Shop Kicks.  If you do not already know what this is, it is a phone app where you earn points for shopping and then redeem the points for awards.  It is very easy.  You just take your phone with you when shopping and it will alert you to the different kicks you can earn.  You can earn kicks for just walking into a store or by scanning the specific merchandise.

So far my favorite place to get kicks from is Target.  I have earned bonus boards there which is when you scan a full group of specified items.  I also earned $2 to shop just for getting kicks and entering the store.  They also have books as they are called.  You can look through specific store to see the latest items they have.  Some times for looking through the books you earn bonus kicks.  They can be right then or some are issued the next time you go to that specific store.  It is free and you are earning stuff from doing it.

The hardest part for me is when I am just running in and out of a store I some times forget my phone so I miss out on kicks.  The good news though is that they are free so I am not losing anything by forgetting.  It can be a little frustrating when you are so close to getting the level of points you want but that is the good thing, you can always earn more. 

You can use it to make shopping fun for the kids.  You can do the bonus boards as scavenger hunts and they can help.  It will earn you kicks and it will keep them occupied helping to look for the items.  I mean who couldn't use a way to entertain the kids while shopping.  The bonus is you can earn free stuff doing it too.

The prizes are pretty good.  They range from gift cards to merchandise, they even have it so if you earn enough points you can get a Vespa scooter.  The nice thing about it is that you are already going shopping so why not get something back.  If you are interested in trying it out http://get.shopkick.com/lithium12388