My 30 Day Way I Spend Challenge #ppmchallenge

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Follow along as I try out using credit only to see if the studies are true that we spend more and get amazing benefits by shopping that way!

Yes. You read that title the right way.  It says “30 Day No Cash Challenge.”

That may seem a bit backwards from what I would normally discuss, but it is what I am really getting ready to do.

I talk a lot about how much better it is to use cash because you can never overspend.  I read a lot of comments (which I absolutely love) about how some of you always use your credit card so that you can get the cash back or other rewards.  Everyone shares that they committed to paying it off in full every month.  That means you are using them in the right way.

However, the question I have is this:  Is it really worth it?

And from worth, what I a really wonder is do people overspend when they have credit? I am not talking about running out and going on a shopping spree. I mean the things you normally buy like groceries, clothing, dining out.

When I use cash to shop, I know for sure I can’t overspend because when the cash is gone, I am done spending.  I really make sure I watch what I spend in the store for that reason.  I have to stick to my budget because it is absolutely impossible for me to exceed my spending.   It absolutely can not happen.

That makes me wonder about using a credit card along with our budget.

How does that work for the average person?

Do they watch what they buy at the store and then know in their head how much
they are spending on groceries every month?

What happens if they spend too much?

How does that affect the bottom line?

And, if they do overspend, is the cash back they get enough to offset the overspending?

What happens if they overspend and the budget doesn’t allow for it, where does the extra money come from in the budget?

Keep in mind that these are my own personal questions and I am not putting anyone down nor questioning what you do, just really want to know. 

This honestly is what led me to decide to try something I thought I’d not do again.  I actually went out and applied for a credit card.  I had a ginormous limit in about 15 seconds (crazy).

For the next 4 weeks, I am going to change the way that I shop.  My husband is actually joining me in this challenge so that we, as a couple, can see how it works for us.

Starting Monday, September 7th, we are putting away our cash envelopes.  Instead, we will be placing a credit card into our wallets.  We will use that in lieu of cash for the entire month.  We will do all of our regular shopping and cash purchases by putting them onto our card.

JOIN THE CHALLENGE

I am ready to be challenged and proven wrong – are you?  If so, then join me this month!  It doesn’t matter if you use cash or credit.  It matters if you shop.

Cash only shoppers:  I challenge you to put away your cash and use credit (remember you MUST pay it off in October).  See if you end up overspending or find that you get great rewards from your purchases.  You may want to get an app to set up a virtual wallet to watch what you are spending money on — just in case you feel you need more control.

Credit card shoppers:  Of course, your challenge is going to be NOT using your card this month.  Try to go with a cash only budget and see if you find you spend less. Make sure you do it the RIGHT way by tracking what you spend!  So if you have not tried that before, you will need to read up on our Cash Envelope system.

I will be posting my photos and updates using the #ppmchallenge hashtag and invite you to join me!  You can find this on Instagram and Twitter as I share updates of our journey through photos.  Each week, I will check in to let you know how it is going for us.

The great thing about doing this is that I will learn a bit more about how to maybe build up some rewards, but also gain an understanding of more than one way to shop and set up a budget.  I know that what works for one person, may not work for anyone else.  I’m OK with that. I am open to even being proven wrong (if that what happens).

All I am trying to do is to help us all learn that just because we do something one way, it does not mean it is the only way and perhaps, we need to be more open to new ideas.

 

 

Nerf Gun and Batteries Deal! | Save $5.00!

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This week you can save on a Nerf Gun AND Duracell Batteries! All with just one coupon!

Nerf Guns (and batteries!) can be expensive! Save on both with an amazing couon from Sunday’s paper! Check out these deals at Walmart and Target!

WALMART
TARGET

Vera Bradley: 50% Off Select Patterns and Styles & Free Shipping!

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Vera Bradley is having a great Labor Day Sale! You can save 50% off Select Patterns and Styles: Vera Bradley Lucky You, Lucky Dots, Rio, Rio Rosie, Rio Rosie Pink, Rio Rosie Blue, Rio Rosie Yellow, Rio Squiggle, Ziggy Zinnia, Ziggy Zags, Palm Fronds, Palm Feathers, Pink Swirl Flowers, Flower Shower, Midnight Blues, Heather or Canterberry Magenta items!

Better yet? Shipping is FREE!! No codes necessary, just shop and save!

SHOP HERE

This Weekend’s Top Restaurant Coupons: 9/4/15

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Weekly Restaurant Coupon RoundUp - Printable coupons | www.pennypinchinmom.com #restaurants #coupons

Planning on letting someone else cook for you this weekend? Before you head out, make sure to check out this great list of printable restaurant coupons put together by Surviving the Stores! If you ever need a restaurant coupon, definitely check them out before you go.

Top Restaurant Coupons:
Arbys – Free Slider with Any Sandwich Purchase (exp: 9/8/2015)
Black Angus Steakhouse – $17.99 Mixed Grill Trio (exp: 9/14/2015)
Bob Evans – Buy 1 Breakfast Entree Get 1 50% Off When You Buy 2 Drinks (exp: 9/12/2015)
Carls Jr – $1 Off Mushroom & Swiss All-Natural Burger Combo (exp: 9/6/2015)
Carrabbas – 15% Off Entire Lunch or Dinner Check (exp: 10/25/2015)
Carvel Ice Cream – $1 Off Any Cup or Cone (exp: 9/20/2015)
Daphnes Greek Cafe – $2 Off Any Entree (exp: 9/27/2015)
Dennys – 20% Off Entire Purchase (exp: 9/8/2015)
First Watch – $2 Off Any Entree (exp: 9/15/2015)
Jacks – $4.50 for 2 Cheeseburger Combos + More (exp: 9/29/2015)
Longhorn Steakhouse – $4 Off 2 Adult Dinner Entrees (exp: 9/6/2015)
Marie Callenders – Buy 1 Get 1 50% Entree Off When You Buy 2 Drinks (exp: 9/17/2015)
Mimis Cafe – Buy 1 Get 1 Free Entree When You Buy 2 Drinks (exp: 9/12/2015)
Monicals Pizza – $18 for 14 Inch 2-Topping Thin Crust Pizza & 8 Inch 1-Topping Thin Crust Pizza + More (exp: 9/27/2015)
Outback Steakhouse – 10% Off Entire Purchase (exp: 9/7/2015)
Papa Johns – Free Large Pizza on Future Order with $15 Purchase (exp: 9/13/2015)
Quiznos – Free Chips & Drink with Regular Sub, Large Sub or Large Salad (exp: 9/9/2015)
RaceTrac – Free 32 oz. Fountain Drink with Salald or Fresh Sandwich Purchase (exp: 9/30/2015)
Rubios – $1 Off Cilantro Lime Sea Bass Bowl (exp: 11/1/2015)
Smashburger – $5 Off $12 Purchase (exp: 9/13/2015)
Smokey Bones – $5 Off $15 Purchase (exp: 9/6/2015)
Souper Salad – $6.49 Adult Buffet (exp: 9/6/2015)
Spaghetti Warehouse – $30 Family Feast for 4 Starting 9/5 (exp: 9/7/2015)
Steak Escape – Buy Sandwich, Fries & Drink Get Fries Loaded for Free (exp: 9/30/2015)
Stevi Bs – 10% Off Entire Purchase (exp: 11/30/2015)
White Castle – $2 Off 20 Sliders (exp: 9/30/2015)

Crazy 8: Everything $12.99 & Under!

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Now through Labor Day, everything at Crazy 8 is $12.99 and under! You’ll find jeans for $10, tees as low as $4.99 and so much more! There is even a pretty good sale on outerwear – up to 65% off! No codes are needed, just shop and save!

SHOP HERE

Bic Razors | As Low As $0.57!

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You can get razors for as low as $).57 this week with a new coupon from Sunday's paper!

Yay for cheap razors! This week you can get full size packages of razors for as low as $0.57! See how here:

WALMART
TARGET
DOLLAR GENERAL
WALGREENS

Lots of Seventh Generation Store Deals! | As Low As $1.69!

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You can save on multiple Seventh Generation products this week with coupons from Sunday’s paper! Save on laundry detergent, hand soap and dish detergent!

WALMART
TARGET
WALGREENS

Star Wars Force Friday is Here!

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Are you ready for The Force? It’s here!! Many retailers are celebrating the release of Star Wars, Episode 7 with Force Friday deals! You’ll find anything from toys, to collectibles, tees and so much more!

You can shop at Target, Amazon, and Disney, among other places! Most other places aren’t offering codes for these items, as many of them are being offered for a limited time only! However, we do have a few special offers to share with you:

Amazon:  Save $10 off any $50 purchase, or $25 off $100!

Disney: use the code: FORCE to get free shipping off your Star Wars Force merchandise orders!

 

 

Free Kindle and Nook Books for Today – September 4, 2015

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Free Kindle and Nook Books Downloads | www.pennypinchinmom.com #free #kindle #nook #books #readingHere is today’s list of FREE Kindle and Nook Books for September 4, 2015. Remember that you do not need to own a Kindle to read these books. You can download the free Kindle app to your tablet, smartphone or other electronic device and can read any Kindle books.

** These books are all free as of the time we do the post. Prices change quickly on Amazon, so if you don’t see that it is free, that is why. Just make sure you check the price before you download.

Free Kindles free children's books

free romance books

free mystery books

free cook books

free cook books

NOTE: If you happen to inadvertently purchase a Kindle which is no longer free, you can get a refund. Learn more about Kindle Return Policies.   free nook free children's books

free romance books

free mystery books

**Prices and availability subject to change. Make sure you confirm the price prior to purchase. If the price noted above differs from what you see on line, it simply means that this deal has expired since the time it was posted.

Fashion Friday 9/4/15: 50% Off Transitional Scarves & Free Shipping!

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Today’s Cents of Style Fashion Friday Deal is 50% off the lowest marked prices of a collection of ALL of their scarves plus free shipping!! You’ll find some as low as $3.99, but many for $5.95 shipped! Just make sure you use the code: TRANSITIONSCARF at checkout. As an added bonus, you will be offered a geo print scarf at checkout for only $1.99! That means you could get two scarves for $8 shipped!

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