Here we are at the start of the new year and I have in front me a shiny new binder, a hundred baseball card sheet protectors, scissors, and coupons. I have been eager to try couponing for real for a while and I thought the start of the new year is a perfect time to do it!
Now, I have couponed before but I never had the right supplies so it wasn’t as organized as it should have been. I also didn’t see as much benefit as I know I could have had I used the right tools. Near the end of December, I ordered my supplies noted above and I grabbed all of the inserts I had been collecting and began getting everything situated. I can proudly say that I have a binder full of coupons that are clipped, organized, and ready to go. I am so excited to see the savings! But why am I going through the trouble if we have survived without it for so long?
2017 is the year life changes for the better. This starts with an emergency fund of $1000. I want to have this by the end of February at the latest, preferably at the end of this month. If I can save on groceries and household goods, then I figure I am well on my way.
In the past, we have struggled with groceries as far as our budget goes. We usually spend around $300 on groceries and it still doesn’t feel like enough. Even after meal planning dinner, there isn’t enough left for healthy snacks (and we are trying to be significantly more healthy). I want to be able to stretch our grocery budget further and always have the things we need.
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I Hate Buying Toilet Paper
Okay please tell me I’m not the only one who hates buying certain necessities. Things like toilet paper and soap (of any variety) just should magically appear under the sink. Who’s with me? In fact, I even stall buying these things sometimes because I just can’t stand it. Non-food items always drive up the grocery bill and it seems like I’m always out of them. With couponing, I think I can feel better about making these purchases and stock up on them at the same time.
Debt Be Gone
I am going to hustle this year to get rid of most of our debt. Like hardcore hustle. I’m tired of making stupid loan payments and having a horrible credit score. I’m tired of a car payment eating away at our paychecks. I want our debt to be gone as fast as possible. Enter coupons.
Baby & Savings
Aside from the Emergency Fund, I want to start saving regularly and to have a nice little savings account for the baby before she arrives in June. I’d like to maintain a certain balance in our checking account at all times, save for retirement, save for the kids’ college, save for a house, and possibly, a second car. Cutting grocery costs can definitely help with this. I can also get diapers and wipes for much less by taking advantage of sales in addition to couponing.
I don’t know what you see for yourself in 2017 but I hope it’s growth and financial health. I’m going to keep you up to date on my coupon savings each month and I hope it inspires you to save! What are you doing differently this year to inspire change in your financial health this year?