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.
Tracie is a stay at home mom to three young children; ages 8, 9 and 12. In November 2007, she and her husband decided to eliminate their debt and made many changes in their lifestyle to do just that.
Meredith says
I’m out and about and don’t want to forget this.. Can u possibly email me the link??
Tracie says
http://www.daveramsey.com/store/budgeting-tools/envelope-systems/designer-envelope-system-red-/prod266.html
Libby says
My husband and I took the Dave Ramsey classes at the beginning of this year and we absolutely fell in love with his system! We have been working on getting rid of our debt and we just sold our truck that we had a loan on and bought a $1600 car so we no longer had the car payment. We had a baby in May so we have been trying to get rid of our debt mainly for him so that we can give him the opportunity to understand the value of money. So This challenge is a great thing for people to join and try out for themselves! I recommend Dave Ramsey classes to all my friends. It has completely changed our lives!
Donald says
Dont forget you can use the following coupon codes:
NOEL – Free Cash Flow Planning DVD
MORE – Free More than Enough Book
Amanda says
Thanks for sharing!! I got mine!! You can actually get both with one purchase, a lot of times sites will only let you use one promotion code per transaction!! Thank You!!
Amanda says
Do you have the financial Peace Jr.for your children? I purchased just curious if you use?
Tracie says
I don’t as our oldest is only 6….so we are working with her doing our own plan. However, I’ve heard some GREAT things about it.
Kimberli says
I read Dave Ramsey’s book last year and we started his program but fell off the wagon mid-year, so I’m very anxious to follow along on your challenge to get us back on track!
My biggest concern with the envelope system, a large part of why I didn’t fully do it when I read his book, was carrying so much cash around with me makes me nervous. So how do I get around that and be comfortable using the envelope system? I truly think that’s why we didn’t stay on track last year!
Tracie says
Kimberli – I only carry the envelopes I would use all of the time and leave several at home and take those with me only when I need them.
Amy says
I love our wallet, it truly helps us keep on track every month. Even though it’s going to take us a few more years to finish step two, we will continue using this system for life!
Tracie says
Once you start – you can’t stop! LOL!
Barb says
50% offer must be over. The website is showing the normal $19.95 price. Or, am I missing a special code or something?
Tracie says
Yes- this offer has expired.