If you missed me mention it in October, starting January 1, 2011, we are going to launch the first Penny Pinchin’ Mom Debt Free Challenge (or if you are debt free already a savings challenge)! I am going to share information provided by Dave Ramsey, CommunityAmerica Credit Union and personal experiences to help YOU eliminate your personal debt. I have been there. I know the feeling of overwhelming debt. So, I want to help. I am going to start sharing more information about this soon – so stay tuned!
I mention this as one thing I preach over and over again is using cash for everything. Dave Ramsey actually has the BEST envelope/wallet systems. I personally use this red one pictured below and love it. I have a place for everything and still keep my cash in each envlope. (Don’t worry – if you don’t know what I mean by envelopes – you will learn in a few weeks).
In fact, today is a great day to get one as his systems are 50% off! They are normally $19.95, but are only $10.00 right now. Shipping is only $4.95 – so you are still saving money in the end. So, if you are serious about joining in the challenge and want an easy way to help you keep track of your spending and cash, you might want to consider one of these.