Growing up, there were times when money was very tight. As a result, we were always raised and taught to be frugal, a practice that I carried with me into my adult years. After graduating from college I landed a high paying job, my then boyfriend had a high paying job, combine the two and the money started flowing. We bought a home, bought new cars, went out to eat, we went shopping … yeah, you get the idea. Then my guy lost his job when the company that he was working for closed their doors.
This was in the early 2000s when many states were still feeling the effects of the recession. Jobs were scarce, people were foreclosing on their homes, and everyone was still fearful of what the future would bring. Suddenly, the hardships that others were feeling, hardships that we never thought would touch us, became our reality. My paycheck covered the mortgage but add in monthly car payments, utilities, and groceries and we were in a hurt. Credit cards to the rescue! My boyfriend was out of work for six months and our debt only accumulated from there.
Years and over 60K in credit card debt later, we were married with a little girl, and realized it was time to make changes in our life so we could have a better future. More importantly, a future that would allow us to provide our daughter with a better life!
We created a budget, stopped eating out, started clipping coupons, returned to the frugal lifestyle that we both were raised in, started saving money, and worked on paying off our debt. We may have joined a program to help us along the way but that is a story for another day. The long and short of the story is that IT WORKED! In 2 years we were able to pay off our credit card debt and looked forward to the future.
Here we are now, as I write this, we are less than one week away from selling our home. After a quick stop in temporary housing, okay … so not like serious “temporary housing”, we are going to live with my mom for about a month, we are moving into our dream home. I won’t share how much the house that we are building costs but I will say our mortgage payment is changing. We will have new bills, live in a new school district (which changes the school tax bracket), and there are expenses that come with owning a new home. Needless to say, it’s time to buckle down and refocus our attention on SAVINGS!
Now, as I have mentioned, we are rather hip to the savings game. However, it is always good to get a new perspective, gather new ideas, and to reinvigorate ourselves. Today, I read Dannelle Gay’s 101 Ways to Save Money Painlessly to give me the jump start that I needed!
What I love about the book is that thanks to the number of tips provided, we are able to pick and choose what will work best for our family and allow us to max out on savings. Some of the tips were things that I have learned and explored over the years such as creating a budget and utilizing coupons and sales for needs.
There were a few tips that did not align with my lifestyle but I was able to share them with my sister and she is excited to get started. Overall, the book was a hit! I learned about programs that I’ve never heard of and therefore I am yet to utilize, ways to follow sales cycles at the grocery stores, how important and budget friendly DIY can be along with make your own “recipes” and more. OH and there was a section on discounts that I can’t wait to test out with family.
Will every tip work for your family? Probably not! However, Dannelle is able to help readers get from Point A (needing to save) to Point B (how to save) by following simple steps and the tips simply allow you to invest in your desire to save. After reading Dannelle’s book, my husband and I have agreed to recreate our budget, to create a series of goals, and to make sure we are both aligned, working from the same playbook, to accomplish our goals. The rest is about making choices and taking actions to ensure that we are successful.
Take a chance and grab a copy of Dannelle Gay’s 101 Ways to Save Money Painlessly. For less than $10 you’ll pick up new tips and pointers on savings. If you’re ready to take the next steps to brighten your family’s future, it’s time to focus or perhaps refocus … why not be inspired by a good book?
Dannelle Gay’s 101 Ways to Save Money Painlessly
ONE lucky reader will win a PAPERBACK copy of Dannelle Gay’s 101 Ways to Save Money Painlessly
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Disclaimer: I received a free e-copy of Dannelle Gay’s 101 Ways to Save Money Painlessly in exchange for my review. Regardless, all opinions expressed are still 100% my own. Please note that this post contains affiliate links.
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