All Posts By

Brittany Cooper

0

3 Habits Holding You Back From Getting Serious About Paying Off Debt

If it isn’t already, paying off debt needs to become your number one priority! When you live with debt, you are literally risking the roof being stripped away from your family. Living with debt is making you rely on someone else’s money for survival.

It’s time to become more self reliant and start paying off debt!

You probably don’t even realize it yet, but chances are you are living with a few subtle habits that are eroding the stepping stones for you to start paying off debt. Let’s shine some light on those habits to help you quit over spending and start paying off debt quick!

 

Related Articles:

You probably don’t even realize it yet, but chances are you are living with a few subtle habits that are eroding the stepping stones for you to start paying off debt. Let’s shine some light on those habits to help you quit!

 

Our Debt Free Story

Back in 2012 there were two major goals hubby and I wanted more than anything! We wanted desperately for me to be able to quit my job to be a stay at home mom. We wanted to buy our first home in one of the most expensive cities in the country in order stay close to family.

The problem was that we owed over $20,000 in debt and those payments we were making made it impossible to put money into savings.

That’s when we realized we couldn’t move forward with any of our life goals with that debt weighing us down!

That is when becoming debt free moved to priority numero uno! You can read more about our debt free journey here.

After a couple years of trial and error, we realized we had a few bad habits that needed to be broken if we wanted to get ahead of our debt!

 

3 Habits Holding You Back From Getting Serious About Paying Off Debt

1.Stop fighting about money with your spouse!

 

First and foremost, you need to get on the same page about finances with your spouse! You both need to have a clear picture of where you want to go. If you don’t know where you want to go then it’s impossible to know which path to take!

That is why so many couples can’t seem to look eye to eye when it comes to their finances. Sit down together and write out all your dreams for the next 1, 5, and 10 years. Then come together to figure out your financial action plan to start making those dreams a reality!

Once you both realize that these financial steps are actually getting you closer to what you both prioritize in life, it’s a lot easier to stay motivated and pay off that debt!

I created a Financial Unity Workbook to help you through this process quickly and painless.

2. Stop eating out and start meal planning!

You’re gonna need to find some extra cash to start suffocating that debt. The fastest way to find that cash is to take a look at how much you are spending on food each month!

If it isn’t already, paying off debt needs to become your number one priority! When you live with debt, you are literally risking the roof being stripped away from your family. Stop these 3 habits and you can start paying off debt quickly even with just one income!

 

CNBC last year reported that the average American household on average spends over $3,000 a year on eating out! Crazy! That doesn’t even include how much food waste (which equals wasted cash!) is happening within the home.

How much faster would you pay off your debt if you had an extra $3,000 this year? And that’s just the start!

Meal planning is the fastest way to cut back on eating out and to save money on groceries!

 

3.Stop swiping the plastic!

I sure hope I don’t need to tell you this but if you want to start paying off debt, it’s going to help tremendously if you stop building more and more debt. So just stop it!

The other plastic we are talking about here would be your debit card. If you have a hard time sticking to your budget, then switching over to a cash envelope system could be a game changer for you!

It has been statistically proven that shoppers spend less money when they use cash. That has turned out to be 100% true for our family.

Before we switched to cash we thought we had a budget in place but every two weeks we would overdraft our bank account! But after we switched to our cash envelope budget it was like magic! We could stick with it!

Sticking to your budget is going to be paramount when it comes to paying off debt for your family! Using cash is going to help you get there!

What is your biggest challenge when paying off debt?

What seems to be your biggest hurdle to face when it comes to getting rid of your debt? Do you feel like it’s even worth it to be debt free? Let’s chat about it in the comments!

Thanks for stopping in and I’ll talk to you soon! Xoxo

0

Casual Couponing for Beginners to Save Hundreds Each Month

Nobody has the time to do any extreme couponing! But is there still a way to make couponing work with a busy schedule and still save any money? There are a few super simple techniques for couponing for beginners that will help you do exactly that!

I found a way to make couponing quick and still help our family save a chunk of money every month and that’s what I want to teach you today!

15 minutes a week using this system of couponing for beginners will help cut over $100 out of your grocery shopping budget each month! Here are 10 super simple techniques for couponing for beginners that will help you do exactly that! Continue Reading →

0

Fast Freezer Sandwiches for Easy Lunch Prep

Any task that you repeat over and over needs to be batched! Are you repeatedly making sandwiches for lunches over and over again? It’s time to stop! Let me show you how to make a whole lot of lunch freezer sandwiches at one time to help you save a bunch of time in your week!

I was first introduced to the idea of lunch freezer sandwiches from my friend Stephanie from Six Figures Under. She always has the best money and time saving tips!

This is how to make a whole lot of lunch freezer sandiwches at one time to help you save a bunch of time in your week! Freezer cooking is the perfect way to do batch cooking and make it work for lunches too! Continue Reading →

0

September 2018 FREE Meal Plan Printable

There is a huge myth that I am on a mission to bust! Have you ever been told, or maybe told yourself, that it’s impossible to eat healthy on a budget? In this month’s free meal plan printable and grocery haul I am going to prove that thinking wrong!

The biggest influence on this month’s healthy meal plan is that Hubby and I are currently undertaking our first ever Whole 30. If you aren’t familiar with the program, pretty much all you eat for 30 days is meat, eggs, a lot of veggies, and some fruit. That’s it.


It is possible to eat a healthy Whole30 lifestyle on a budget and still have food full of flavor and a variety of healthy meal ideas! This FREE PRINTABLE meal plan covers 16 healthy dinner ideas, 8 healthy lunch recipes, and 10 healthy breakfast recipes. All these meal ideas are Whole30 and Paleo compliant!
Continue Reading →

0

Healthy Monthly Grocery Haul – September 2018

This Healthy Grocery Haul post is written by me in partnership and sponsored by Ibotta. All opinions are my own.

Call me crazy but I will never be able to go back from doing a monthly grocery haul. Yup, I buy an entire month’s worth of groceries on a budget all at the beginning of the month!

Eating healthy on a budget is totally possible! How does $350 to cover your monthly grocery haul sound! This monthly grocery haul is going to show you how to eat healthy on a budget and help your entire family do the same thing! Costco and Target healthy grocery haul 2018.

I feel like I have got it down to a science! Between my meal planning and monthly grocery shopping, we were able to cut our grocery spending from over $1,000 a month to under $400!

You can read more and learn how you can do the same thing in this article all about our grocery budget.

Use this month’s grocery haul as inspiration to cut your grocery bill. What would you do with an extra $600 this month?

 

Related Articles:

I’m also always sharing our daily frugal living tips for back to school survival over on my Instagram stories! It’s super fun over there so don’t forget to follow along!

 

My Favorite App to Save Money on Our Monthly Grocery Haul

There are a lot of extra expenses that we are trying to overcome in this month’s grocery haul! With back to school meals and healthy eating being the main hurdles!

The easiest and fastest way I have found to save money on my shopping is to use my favorite cash back app Ibotta.

If I was giving out trophies for helping make my life easier, Ibotta would get it! They make earning cash rewards so simple!

After I make my monthly meal plan and grocery list, I pull up the app and search the stores where I plan to shop, then look to see if any items from my list have a cash reward available. I also look to see if there are any offers that I could use as a substitute for something currently on my grocery list.

They make it so simple to redeem your cash back offers! Once you make your purchase you can submit your receipt. After it has been confirmed, your cash reward is credited to your account! Bam!

Ibotta is going to make eating healthy so much more affordable this month for our family! I have already found five rebates for fresh and healthy groceries I can claim!

I can’t express how much I love building up cash rewards from doing something that is already a part of my day!

What’s New This Month?

School is back in session for the kids, two of the kids started soccer season, and to top it of hubby and I decided to take on a new diet.

What that means is that our meals this month need to be especially easy and fast but also super healthy!

As for our “diet”, we have started a Whole30. You can read more about that here and if you want to buy the book make sure to shop online using Ibotta for cash back on your purchase!

Pretty much we eat only meat, eggs, a lot of fresh vegetables, and some fresh fruit. That’s it. This is going to take on a whole new grocery shopping strategy!

I need to find a way to make all the extra fresh produce and meat work into our $400 monthly grocery budget…

You’re gonna have to watch the video to find out how I ended up handling this situation!

 

September 2018 Healthy Grocery Haul

In this month’s grocery haul video I share a ton of tips to help you stack the savings on your grocery shopping.

Remember that all Ibotta offers were valid as of the recording of this video. Don’t forget to check your app for details as offers change frequently and may not be available in all areas.

*All offers discussed in this video were valid at time of recording. Don’t forget to check your app for details as offers change frequently and may not be available in all areas.

Thanks so much for stopping in and I will talk to you very soon!

0

3 Quick Dollar Store Halloween Costume Ideas for Moms

Costume ideas for mom are always a last minute thought! We forget about ourselves all of the time and Halloween is no exception. For the last 6 years I didn’t think about what I was wearing for Halloween until I was putting the finishing touches on my kids outfits as we were about to walk out the door!

I know I am not the only one in this situation. Which is why I wanted to share three super quick costume ideas for moms and the bonus is if you don’t already have the supplies, you can gather them with a five minute stop at the dollar store!

Costume ideas for moms are always a last minute thought! We forget about ourselves all of the time and Halloween is no exception.Which is why I wanted to share three super quick costume ideas for moms and the bonus is if you don’t already have the supplies, you can gather them with a five minute stop at the dollar store! Continue Reading →

0

Easy Cesar Pasta Salad Recipe

What mom isn’t all about easy dinner ideas that their entire family will happily eat? Exactly! All moms need a quick, easy, and cheap dinner. Which is why today I wanted to share with you my  Easy Cesar Pasta Salad Recipe!

This recipe won’t heat up your kitchen, it’s easy on your wallet, and you can pull it all together in about 15 minutes!

 

What mom isn’t all about easy dinner ideas that their entire family will happily eat? Exactly! All moms need a quick, easy, and cheap dinner. Which is why you need this Easy Cesar Pasta Salad Recipe in your monthly meal plan! Continue Reading →