Should You Stop Charitable Donations When Getting Out of Debt?

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Should you Stop Donating When Trying to Get out of Debt | www.pennypinchinmom.com

I am a firm believer in giving back.  I don’t do it for recognition or anything like that. I do it because it feels great and it is really the right thing to do.  It also seems that every time that I give unto others, God thanks me in one way or another.  As the bible states “the LORD gave, and the LORD hath taken away;” (Job: 21).    You see, I truly believe we are stewards of God’s money and when we use it in the way that is pleasing to him, he rewards us in some form.  It may not be financial, but those can be the best gifts!

As we go through paying down debts, the one thing that many people do is to stop helping others through donations.  They instead place all of that money towards their debts.  While getting out of debt is wonderful and commendable, helping others is still just as (if not more) important.

I know it can be difficult to try to add in additional money into your budget to give to others, but if you don’t do it now, it is too easy not to do it later on.  As we teach our children lessons, we know that repetition is key.  The more they can do something, the quicker it becomes habit and something which they are just use to doing.  The same goes for adults and budgeting.  If you force donating and helping others into your budget – even when times are tough – it will become your new normal.  As you pay down your debts, you will free up more income and can possibly even increase what you are donating.  At any rate, it will become part of your budget and you will not consider a budget with out this line item

When it comes to the amount or percentage, there is a lot of talk as to what is considered standard.  Many people tithe to their church and are asked to give 10%.  Some can’t afford that and so they have to 2%.  I look at it this way – something is better than nothing.  If you go to church, you need to give.  You use the lights, the power, the building – that stuff is not free.  Even non-profits have expenses and the only way those can be met is through the help of others.

My husband and I designate a certain amount from our budget to donate.  We give some of that to our church, but we keep some of that so we can also help other charities.  We help when there are disasters.  We support the schools and local organizations when we can.  We purchase items for our food pantry.  We donate items to charities to sell.  It is not about donating it all to your church – it is about donating to others in need.

I am sure if you look hard at your budget, you can find a few dollars to give to others.  It may mean passing on that latte this week, or missing the sale at your favorite store.  It might even mean passing up on dining out just one night a month.  Giving unto others is part of what makes us great.  When we forget to do that, we lose a part of ourselves.

Don’t wait to start donating until your debt is paid down.  Start now.  It may be small, but the small things we do can have a big impact upon others.  There is no time like the present to change what you are doing.

Target *HOT DEAL* Free Frosted Mini Wheats + Money Maker!!

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mini wheats

You can score a GREAT deal on Kellogg’s Frosted Mini Wheats at Target. Grab them for FREE, and actually make a little money on this deal!

Kellogg’s Frosted Mini Wheats, $2.50
50% off of Frosted Mini Wheats Target Cartwheel coupon
PLUS
$3/3 Kellogg’s Cereals printable Coupon
Final Price: 3/$0.25
THEN
Submit $1/2 Checkout 51
Profit $0.25
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Fashion Friday 4/18/14- 50% off Floral Accessories!

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ff41814

Head on over and check out Cents of Styles Fashion Friday Deal: 50% off Floral Accessories + Free Shipping!  The abstract floral scarf pictured above is only $7.95 & FREE SHIPPING. This is down from $19.95 normally. These graphic rain boots are only $27.97 shipped! You’ll find many floral and rainy day accessories on sale for 50% off.  Plus you can get FREE SHIPPING when you use the code:APRILSHOWERS at checkout.

Free Kindle and Nook Books for April 18, 2014

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Free Kindle and Nook Books | www.pennypinchinmom.com #free #kindle #nook

Here is today’s list of FREE Kindle and Nook Books for April 18, 2014! 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 KINDLE BOOKS

 

Children

 

Romance

Mystery / Thriller

Fiction

Non-Fiction

 

FREE NOOK BOOKS

 

Romance

Fiction

Mystery / Thriller

**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.

If you happen to inadvertently purchase a Kindle which is no longer free, you can get a refund.  Learn more about Kindle Return Policies.

Save Up To 50% Off at Shutterfly!

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shutterfly 50 off

For a limited time, Save up to 50% on select items at Shutterfly! Mother’s Day and graduation are coming up soon, so this would be the perfect time to order someone special a personalized gift! No codes necessary on select gifts – the discount is already applied for you!  If you spend $30 or more, make sure you use the code SHIP30 and get your entire order shipped for free!

Here are just a few ideas:

Ceramic Mugs
Reg $14.99 - Now Just $9.89

Luggage Tags
Reg $7.99 – Now Just $4

Photo Calendars
Reg. $29.99 or $21.99 – Now Just $15 or $11!

Weekly Sunday Coupon Preview for 4/20/14 – No Inserts

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sun q easter

There will be no inserts coming out this weekend due to the holiday. Enjoy your “time off” and use it to get your coupons organized! If you want to know what coupons you will find every weekend for all of 2014, you can check out the 2014 Coupon Insert Schedule.

 

JCPenney Coupon for $10 off of a $25 Purchase

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jcp coupon | www.pennypinchinmom.com

JCPenney has a new printable coupon available to use this weekend.  You can save $10 off of a $25 or more purchase!  Just head HERE and click Print Coupon from the banner.

banner

If you would rather shop from home, you can use the code LEAPORD2 and save $30 off of your $100 or more purchase.  Shipping is free if you spend $99 — or you can ship it to the store and get free shipping on your $25+ purchase.

New Target Coupon for $10 off of $25 Paper Towels or Toile Paper Purchase Purchase. Stacks with $10 Gift Card Promo!

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hot paper towel and toilet paper deals | www.pennypinchinmom.com

We’ve got another great deal for you at Target! First of all, there is a new mobile offer to save $10 off of a $25 or more toilet paper or paper towel purchase. You can text BATH to 827438 and within a minute or two, this offer will appear on your phone.

This offer stacks with this offer as well, where you can get a FREE $10 Target Gift card with your purchase of 3 select P&G Items!  You can find out more about this great deal HERE!

Combine this mobile offer + coupons + the gift card promo and you’ve got a hot stock up deal on toilet paper and paper towels!  Remember that you can use the mobile coupon only once per phone (so if your spouse has a phone you can get the offer there too and do this deal more than once).

Here are some ideas for you:

Urban Farm Magazine Subscription – Just $8.99

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urbfarmjulaug2013

Subscribe to Urban Farm Magazine for only $8.99 per year (40% off)!  Simply add this magazine to your shopping cart and then enter the coupon code pennypinch and then you will see the price drop!  This deal is good until Friday 4/18/14 at 11:59 PM EST.

A guide for those in cities or suburbs looking to become more self-sufficient by growing some of their own food and treading lightly on the environment in the space they have. Articles include how-to projects, gardening basics, composting, beekeeping, roof-top gardening, preserving and freezing, and time and money-saving ideas.

**If you find any other title on this site, you can always use the code: pennypinch and instantly save 20% off of the list price!

Frozen Blu-ray Combo Pack Just $14.75 Today at Target!

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frozen deal| www.pennypinchinmom.com
Wow!!  This is a hot deal – but it is good TODAY ONLY (April 18th).  Target just released a new Cartwheel coupon to save 25% off of the Frozen Blu-ray DVD Combo Pack.

cartwheel

This week, this movie is already on sale for $19, so you can pick it up for less than $15!!

Frozen Blu-ray DVD Combo Pack, $19
25% off of Frozen Target Cartwheel offer
Final Price: $14.75
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If you have never used Cartwheel before, read more about How To use Target Cartwheel Coupons.