A couple of weeks ago we went to our Shaklee global conference in Nashville, Tennessee and boy was it great. Our group was well represented as we had over 20 people in attendance.
One member of our group, our daughter, Elisabeth, from Beauty Blondie, was even chosen as a winner of the healthy competition. Not only did she loose 40 pounds on Shaklee’s 180 Weight Management Program she is living a healthier life.
One of the ways we save money is by looking for sales on food and making meals with what we have in the house. One of the things I like to do is when I go to the grocery store is to check if they sell meat ends. That is the ends of the meat they sell in the deli section. There are several smaller markets that I know of that sell the meat ends for much cheaper than the regular price. Unfortunately none of these stores are close by. So when I am able to stop at the market, I will usually check to see if they have any meat ends.
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Sometimes, refinancing your mortgage can really save you money. You may be able to pay less interest, lower your monthly payment, or convert from a 30-year loan to a 15-year loan (and build your equity faster!). But do your research and make sure that refinancing is right for you.
Mortgage rates are at record lows and after the fed's decision to buy billions in home loans, it has continued to ease costs for home owners and buyers.
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When was the last time you changed your air filter on your furnace? Changing the filter is really important. Your furnace and air conditioner will run better and more efficiently if you change the filter
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Finally here is another tip to save money and get out of debt. With Christmas not far away we thought we would post on how to save money on shopping and entertaining during the season. If you are like us and have a lot of people you have (or think you have) to buy for, you may be buying or spending more than you have too.
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If you have been following us through all of our tips to get out of debt you will see how much you could be saving, and adding all of these savings together to really make a huge difference in paying off your credit cards, medical bills or other debts you may have.
We have always lived very frugal and have been able to stay out of debt just about our whole lives. One of the things that helps us stay out of debt are our shopping habits. Our food expense with 12 people living in the house is huge. We use the tips below so we don’t waste food.
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We are back! We were on a vacation, which was awesome, I will post about it later. Sorry about being behind on our money saving tips. Our intent was to have post scheduled to go out, but that obviously didn’t happen. We know a lot of you are enjoying our tips to get out of debt, so we will continue with our them.
We love to have purified water and don’t trust the water coming out of the faucet, (We have well water with a water softener) but buying bottled water is not the answer for various reasons (mostly for your wallet).
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Sorry we are so behind on these tips. We are slightly busy! This tip, to help you get out of debt, could save you a considerable amount of money each month.
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I bet most everyone could take advantage of this tip.
You could save your self a little or a lot of money depending on how many subscriptions you have.
Most of them maybe charged
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We are about a third of the way through our 31 day challenge and it’s time for a quick summary of your savings. (A little behind schedule.)
Tip #1 How to Find Excess Spending. Explained more in other post; Savings ???
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Seeing that the weekend is tomorrow we thought we would share some ideas for a free or cheap date night. That sounds bad, but you don’t have to spend a lot of money to have an enjoyable evening.
We have always been a little tight with money some years were worse than others. Even if you don’t have any money or are in debt there is no reason you can’t have fun. We have found a lot of things to do for really cheap or for free. We feel it is important for any relationship, whether it is with your spouse or your children to take the time to be together and have fun.
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Tip #8 To Get Out of Debt: Find cheap or free activities for the family.
Spending time as a family is important, but it doesn’t have to put a dent in the bank account or rack up the credit cards. We have found that you could have quality family fun and not have to spend anything or very minimal. If you are use to spending a lot on family activities, and change your activities to FREE ones, you will be able to save that much more. Remember to put the savings towards one of your debts.
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Tip #7 to get out of Debt: Limit the amount of water you use.
Everyone uses water and most of us take for granite that it is just there. With these tips you could save yourself a lot of money each month.
Whether you live on a lot with well water or have city water, it still costs a lot of money, and if you conserve water, then you could save a lot of money.
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Tip #6 Buy a Used Car
We have owned several cars throughout the years and none of them were ever bought new. That may not sound to strange to some of you, but considering my father-in-law worked at a dealership for 40 years you would have thought we would have bought at least one new one.
We have always lived very frugal and never could justify having car payments for a new car.
Our last post was on eliminating a car and how it may be possible for you. If that is not an option you may consider:
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Over the years we have owned several vehicles. We have four of them right now and six drivers (12 people living in our house) and with all the work and sport schedules it is sometimes difficult arranging the car schedules, but it is better than buying another car for right now. Well, our 25 year old son has a car for his two jobs and our 23 year old daughter has one for her 2 jobs, hubby has a car for work, and we have the family tuckster (We call this our BUS!) It is sometimes a struggle arranging the car schedules but it is better than buying another car for right now.
This is our BUS!
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Thank you for following along with our 31 tips to get out of debt series.
Everyone is different. Some people eat out quite often, while others only eat out occasionally. Whichever way you go, you can save money eating out.
If you are trying to cut your debt, not eating out or eating out less can definitely save you lots of money. However,
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I am glad you are joining us with the 31 Days blog party, that the Nesting Place is hosting. This is going to be very difficult to get all the posts written and out in the 31 days, but we are going to do it. We are happy to have you follow us through the month to find out more tips on to get out of debt and be debt free. Hopefully you will find some or all of these tips helpful to you in your journey to become and/or be debt free. If you like these tips please share our link with your friends and family.
We have always packed our own lunches for work and
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Since it’s the beginning of the month and there’s starting to get a chill in the air (at least where we live), we thought this would be a good place to start with this tip.
Turn your thermostat down 3 degrees (even more at night when you go to bed, just use an extra blanket). If you have a digital thermostat, set it to go down at…
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Do you have credit card debt? Are you earning less money than you were a few years ago? Are you struggling to stay afloat? You’re not alone. Many people are in the same boat as you are today.
Many people have asked us how do we manage to have no debt (except for our mortgage) while also having 12 children.
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For the next 31 days we will be joining hundreds of bloggers who have accepted The Nesting Place, 31 Days Challenge, to write about one subject every day.
We are going to be trying to post posting 31 tips on how to become debt free.
We have been able to stay debt free…
![How to save money on you vehicle[8]](https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLvCZDuiQb2xlXPaasDIplQ1RKsZAoSy0yAtJvyJb36arx50wJ-L84z3KUKXJwQw3i-U5nxlP_EG9Gq-P_92WLkvMn9S9dui2EKYO18sg2RLtcWIKxfKmaI2ptQJTtrZw-OPsjLCUgGrM/s1600-h/How%252520to%252520save%252520money%252520on%252520you%252520vehicle%25255B8%25255D%25255B2%25255D.jpg "How to save money on you vehicle[8]")
