March 28, 2008
The Frugal Journey Begins ...
fru·gal –adjective
1. economical in use or expenditure; prudently saving or sparing; not wasteful: a frugal manager.
2. entailing little expense; requiring few resources; meager; scanty: a frugal meal.

We have begun a frugal journey this year in an attempt to live more simply, have no debt (outside our mortgage -- but hopefully not one of those either!), have a 3 to 6 month emergency fund in place and a substantial retirement savings plan. Hindsight is a wonderful thing -- too bad you can't get it ahead of time! We have been looking closely at Dave Ramsey -- and have been on a much stricter budget. Things are working -- and while we don't have a set time planned out (perhaps we should?) to be out of debt -- we are taking one baby step at a time. Baby steps are good for any road to success!! We do have a retirement savings already in place -- so for Dave Ramsey's steps we are working a little out of order -- we do prefer not to stop the retirement deductions in lieu of getting out of debt faster. We both feel we need to do whatever we need to do to accomplish that though .... so I will probably work a second job this summer a couple of nights a week that will be earmarked directly for debt reduction. The boys will probably have jobs as well -- so I may as well do something constructive. We are currently working on decluttering and finding things for resale. We have entirely too much stuff!!

I have come across many wonderful resources and thought I would start sharing them here -- and perhaps some of the new ways we are doing things. I enjoy getting free samples and really free anything -- but lately, if I am not going to use it I don't really even want it entering our house!

I found a great blog today -- Budget Helps -- also a great share on there today for Quaker Oats Products. I love granola bars, and oatmeal cookies but am not crazy about plain cooked oatmeal. (grin)
This is what she received in her package from Quaker Oats -- three full boxes of product: Cinnamon Sugar & Oats Morning Minis, Simple Harvest Dark Chocolate Chunk Granola Bars, and 90 Calorie Dark Chocolate Cherry Chewy Granola Bars. Also included were two $1.00 off any one box of Quaker Snack Bars.

You wanna join now too, don'tcha? Well CLICK HERE and sign up. Remember to check the 'Quaker Moms Care' box at the bottom of the form.

Thanks to Budget Helps for this great find! Lots of other great samples and coupons on there as well.

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We are working hard too to get a lot of little bills paid off. Two more were paid off just this month1

Anonymous mjpuzzlemom said...

Wow! Thanks for sharing the freebies!

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