How to Coupon

   Coupons are a GREAT tool for saving even more money. I started using coupons a little over a year ago and it has helped me build up my food storage and bargain shop better. The first thing to know is where to look for them.   Print ads: Newspapers Magazines  In-Store    Ask neighbors […]

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Financial Peace Series: Step 7

Baby Step 7 Build wealth and give! It’s time to build wealth and give like never before. Leave an inheritance for future generations, and bless others now with your excess. It’s really the only way to live! Golda Meir says, “You can’t shake hands with a clenched fist.” Vow to never hold your money so […]

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Financial Peace Series: Step 6

Baby Step 6 Pay off your house early Now it’s time to begin chunking all of your extra money toward the mortgage. You are getting closer to realizing the dream of a life with no house payments.As you attack this last debt, you will gain momentum much like you did back in the second step […]

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Financial Peace Series: Step 5

Baby Step 5 College funding for children By this point, you should have already started Baby Step 4—investing 15% of your income—before saving for college. Whether you are saving for you or your child to go to college, you need to start now.In order to have enough money saved for college, you need to have […]

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Salted-Chocolate Oatmeal Cookies

 These cookies are so delicious! I recently got together with Colleen from  justsweetandsimple.blogspot.com and we argree they are our new favorite cookie! I love, love the salty-sweetness of these cookies and the heartiness from the oats make it the perfect grown up version of a kid classic.   Salted-Chocolate Oatmeal Cookies  1 C. Butter1 C. Sugar1 C. […]

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Financial Peace Series: Step 4

Baby Step 4 Invest 15% of household income into Roth IRAs and pre-tax retirement When you reach this step, you’ll have no payments—except the house—and a fully funded emergency fund. Now it’s time to get serious about building wealth.Dave suggests investing 15% of your household income into Roth IRAs and pre-tax retirement plans. Don’t invest […]

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Financial Peace Series: Step 3

Baby Step 3 3 to 6 months of expenses in savings Once you complete the first two baby steps, you will have built serious momentum. But don’t start throwing all your “extra” money into investments quite yet. It’s time to build your full emergency fund. Ask yourself, “What would it take for me to live […]

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Financial Peace Series: Step 2

Baby Step 2 Pay off all debt using the Debt Snowball List your debts, excluding the house, in order. The smallest balance should be your number one priority. Don’t worry about interest rates unless two debts have similar payoffs. If that’s the case, then list the higher interest rate debt first.The point of the debt […]

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Financial Peace Series: Step 1

Baby Step 1 $1,000 Emergency Fund An emergency fund is for those unexpected events in life that you can’t plan for: the loss of a job, an unexpected pregnancy, a faulty car transmission, and the list goes on and on. It’s not a matter of if these events will happen; it’s simply a matter of when they will happen. This […]

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How Professionals Shape Eyebrows

   Shaping eyebrows isn’t a one size/shape fits all deal, you can only work with what you have. Eyebrows are like sisters, they will look very similar but are rarely identical.    First, use an imaginary line (or pencil) to measure from the inner corner of your eye down the side of your nose  to […]

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