How do you NOT live paycheck to paycheck?

This was posted on Cafemom by ishie4ever and I thought all the BG Couponers here might have the same questions:

I mean no disrespect to the mom who asked why live paycheck to paycheck. I just don’t understand how you can keep from it. Do you own property of have investments or some other way to earn income? Do you have a savings account for backup after you spend a paycheck? Sorry but I’m just confused.

Since my DH and I got married right after college graduation, we were in entry level jobs.  We started living well in a nice apartment and paid all our bills.  We got into credit card debt and then got loans.

We moved into a rundown house with friends to save on our rent and utilities.  We plan to pay off our debts with the money we save on our monthly expences.  Then we hope to save up the money to put a down payment on a house of our own.


My answer to this question would be that you really have to budget, and that budget has to include savings.  With my family, we don’t carry credit card debt, we don’t owe on our vehicles, and our only debt is our Mortgage.  Once in a while something comes along and uses our savings, but as long as our budget takes less than our paycheck it builds up again.  What does everyone else do to get by?


Source: Cafemom


I just heard about this new organizer and wanted to share…..

This is great to make you new “Master Plan” for the new school year.  (I use Cozi but will give this a try)  It looks like there are mobile apps available as calendar and sharing.  I love keeping a to do list.  It even allows users to set up repeating tasks… That will come in really handy for the oil change that should be done each three months, checking the oil every couple weeks, changing the furnace filter (wonder when I did that last) and more…..
Check this organizer out at  Toodledoo.

  • Organize Your Tasks. Use folders, tags, contexts, subtasks and more to organize, search and sort through your tasks.
  • Improve Your Productivity. Toodledo’s hotlist, customizable alarms, and sortable online to-do list will help you remember to complete tasks on-time.
  • Go Anywhere. Get Toodledo on your mobile phone, in your email, on your calendar, integrated directly into your web browser, and more.
  • Collaborate. Easily work with other people on shared projects with Toodledo’s collaboration tools.
  • Customize. Select fields you want to use and define how you want to view your tasks. Toodledo is incredibly flexible and customizable.
  • Import Your Existing Tasks. If you already use a task manager, import tasks from many sources.

As soon as the Fall kicks in, normally there’s no shortage of appointments, meetings, play dates, and much more. Google Calendar is another great way to keep track, or really similar Mobile Me.  My husband will never check though, so we also keep an up to date calendar hanging on the wall in the kitchen.  If only I could figure out a good way to make sure things get added to it… more excuses for double planning events. Though it won’t help with the events others plan and just send you the dates yet (that’s where sharing an online calendar comes in) – I wouldn’t share with the world though… Nothing like posting to the world when you house will be empty and for how long??? Great Toys for Summer Fun & Learning at

Yelp, I’m buried!


Are you buried under debt?  Specifically Credit Card Debt.   I know lots of people carry credit card debt.  I think the credit agencies are even now required to post on your bill how long it will take you to pay it off if you pay the minimum and how much it will total.  We have been lucky to keep our cards paid off every month. I am bad though about carrying a balance on cards that give 0% interest when I have a big purchase to make… Like the unplanned for fridge that we had to buy last month.

Store cards frequently have these deals (you can get them from card companies sometimes too)  The store card deals are great ONLY if you pay off the balance before the final date and you pay are always on time with your payments… Otherwise you get the entire interest you would have paid tacked on – and that is usually at a really high rate.  Best Buy has this deal with their card for any large purchase. They even include the date at the bottom of your bill that you HAVE to pay off by. (These deals are on new purchases)

If you have pretty good credit you will sometimes get offered these deals through your current credit cards.  The catch is that there is a transfer fee and any previous balances will still accrue interest (and are paid off last).  Keep a close eye on the fine print on all these deals.  I generally follow the plan that if I have to pay to get the deal it most likely isn’t worth it.  – If you are paying interest currently on your cards and the fee is small then this  might be worth it.


Remember though to take the total amount owed and divide by how many months you have to pay off the balance – then substitute that for your required minimum payment.  If you do this can really pay off in the long run!  You are eating away at the debt a lot quicker if the whole payment goes to principal!


[poll id=”8″]


Do you prefer Big or Small packages?

–To get the most out of your coupons, most of the time, use coupons on the smaller quantities of items rather than the bigger quantities.–

Double check the unit price when you are paying full price.  Milk especially gets me… At Kroger it varies whether the gallon or the half gallon is cheapest…. But with a coupon, it’s a better value usually to buy the smaller package.

Example:  If you buy paper towels for $8.00 for 8 rolls that equals 1.00/roll.  If you get the smaller package that is $1.00 for 1 rolls, it’s still 1.00/roll.  Same cost.

Compare what happens if you use your coupon for .50 off.  (Which doubles at Kroger) For the larger package, you pay $7.50 for 12 rolls (.94/roll).  For the smaller package, you pay $.50 for  1 roll (.50/roll).  The better value is now the smaller package with a coupon, not the larger package.

This works a lot of times which you can get stuff free.

Just make sure you cost compare when you use a coupon. Check Unit Prices and do the Math.


The Nice Home

Thanks for the post, Arthur Lawrence

Having a nice home is great but one of the things I didn’t think about when I bought the place was keeping it clean. I felt like I was spending hours every weekend working on making it sparkle and it was such a relief when a friend referred me to a really good housekeeper to get some of the workload off my back. Terry has been wonderful and aside from her being really confused about how to operate the alarm she’s gotten everything right. She cleans like a master and I never have to worry about her still being there when I get home. Payment’s been a breeze and she’s got a really great disposition so all in all I think it was a really good move for me. The house sure looks better than it does when I clean it and I’m not mad because I get to spend my weekends relaxing rather than scrubbing the floors like Little Orphan Annie! Oh the pitfalls of having too much stuff, you know what I mean?