During 2012, we held a Debt Free Challenge. And I will admit, that with the holiday shopping craziness, I did not post for several weeks. However, I sure hope that you kept the course and stayed on track to eliminate your debt! If you are new to the site and want to learn HOW to get out of debt, we’ve got great tips and articles to help you do just that! you can find that information here — the Penny Pinchin’ Mom Debt Free Challenge.
I kept track of what was paid down in 2012 and am so very, very proud of all of you! During 2012, we paid down:
$454,783.29 !!!!
Pat yourselves on the back – you did amazingly well! It really is humbling to me to know that I was able to help some of you on this journey. I love hearing your stories of how you overcame financial hurdles and/or worked yourselves out of debt. Please feel free to share them with me and I will feature them here on the site to try to help inspire others!



Tracie is a stay at home mom to three young children; ages 4, 6 and 8 in Raymore, Missouri. In November 2007, she and her husband decided to eliminate their debt and made many changes in their lifestyle to do just that.
In 27 months, they eradicated over $37,000 in debt through both budgeting and learning how to live a frugal life. She now shares her knowledge in order to help you stretch your hard-earned dollars so you can live the life you want.