It looks like we are gaining some new members here on the board.
As a member who has been at it - debt payoff - for some time now here are some things that have helped me to progress:
"It is said that life has its peaks and valleys. The challenge is to accept them equally and experience them
Hey as a newbie I really appreciate this thread!!
"Patience is the best remedy for every trouble"- Plautus
I have been doing this a long time...
1. Get an efund. The peace of mind is amazing.
2. Set goals and make plans with time limits. Then if the goals is too big for you to wrap your head around it, break it up into smaller goals. Then celebrate your achievemnets for motivation or you will burn out.
Hello, I've just started lurking here but saw the thread on credit unions and, since we're thinking of changing, I found it really helpful.
One of my tips is cooking from scratch. Well, for the most part. I don't make my own bread or anything like that, but we don't buy a lot of processed, pre packaged foods. I spend about $3.50 per person in our house, per day on food. Often times it's less than that, but that is the max. It breaks down to $0.50 for breakfast, $1.00 for lunch and $2.00 for dinner. We eat meat-free several days per week and, when we do eat meat, we use it more as an ingredient in the meal, rather than the focus of the meal.
Hope that helps!
The way I got extra money was by using coupons on things at the grocery store. I would ask the cashier to tell me how much my bill was before she took off the coupons. Of course I never spent hundreds and thousand of dollars for food at a time. But most of the time I would get around 10 or 20 dollars off the bill.
I would write a check out for the total amount then she would give me the coupon money back in cold cash HALF the money I put into a saving account that is how I got my Efund. The other half I sent to a bill.
Now we use CCs for everything One card gives us 300 a year and another gives us 150 We would pay the bill off each month just like we were paying cash. I would take the bank money and send it as snowflakes to the credit card