5 Tips How to Stop Living Paycheck to Paycheck & Start Saving

 

How to Stop Living Paycheck to Paycheck 5 Tips

When I was going to college full time, I had a part time job and wasn’t making a lot of money. I didn’t want to take out a loan, so I tried to be as frugal as possible by managing my paychecks and paying for rent and food each month, and then saving as much money as possible so I could pay for each semester. You can read more about how I almost paid for college without taking out a loan here. It wasn’t easy. And there were months where I was barely scraping by from paycheck to paycheck and wasn’t able to put money into savings.

After I married my husband and we had our first child, that first year when I was a stay-at-home mom was challenging as we went from two incomes down to just one. We had to figure out how to make it work each month to solely live off my husband’s paycheck, and there were some months where we barely had enough from our paycheck to cover all of the bills. Even though those were hard months, we luckily weren’t at the point where we were living paycheck to paycheck. If for some reason my husband was suddenly unemployed, we would still be able to meet financial obligations for a short time because we had savings. We didn’t want to touch that savings unless it was for an emergency because we knew that if we had to regularly dip into our savings each month to pay bills, we would soon find ourselves in an extremely stressful and difficult situation. So we found ways to live frugally.

If you find that you can’t sustain yourself a few days without a regular paycheck coming in and you have to rely on each paycheck to manage your day-to-day life, then you won’t be able to plan ahead for unexpected situations that might occur, like a trip to the doctor’s office or a broken down car. You’ll end up using a credit card then have to work hard to try to pay it off. There are a number of reasons someone may end up living paycheck to paycheck. It could be an event outside their control or it could be a result of their own financial choice they made. Either way, it’s a stressful way to live.

I want to share with you some tips on how to stop living paycheck to paycheck and start saving money. It won’t be easy. It will take dedication and determination, and you’ll have to make sacrifices along the way, but in the end it will be worth it. You won’t have the stress of debt or trying to come up with money for the things you really need or those unexpected situations that might arise. Here are 5 tips to get out of the paycheck-to-paycheck cycle.

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Gymboree: Free Shipping on All Orders Feb. 10 + $7.50 Kids Jeans

gymboree president's day sale

Today only, February 10, 2016, Gymboree is offering FREE shipping on any order. No minimum or promo code is needed. And right now select Kid’s Jeans on sale for just $7.50 (regularly up to $32.95)! That’s a great sale price! And be sure to look in the Clearance section where select items are an additional 50% off.

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New Printable Coupons: L’Oreal, Finish, Degree & More

Print these new printable coupons from Coupons.com:

$3.00 off LOreal Paris Advanced Haircare Treatment $1.00 off any Sally Hansen Complete Salon Manicure

$2.00 off ONE Secret Clinical Product $1.00 off ONE Degree Men Deodorant

$2.50 off TWO Tampax Pearl Product $1.00 off ONE Tampax Pearl Product

$0.75 off any one (1) BON APPETIT Pizza $0.50 off any ONE Kelloggs Raisin Bran Cereal

$1.00 off any TWO Kelloggs Special K Cereals $1.50 off 1 Tai Pei Appetizer

$0.40 off any one New York Brand Crouton product $0.55 off any ONE State Fair Corn Dog Product

$0.50 off any (2) Swanson Broth or Stock bottles $0.75 off any two DOLE Canned Fruits

Buy any 1 Earths Best Infant Pouch and get 1 free $1.00 off 2 Gerber or Graduates Yogurt Blends item

$0.75 off 1 Clorox Disinfecting Wipes $0.55 off FINISH JET-DRY Rinse Aid Product

$0.55 off ONE (1) FINISH Dishwasher Detergent $0.75 off ONE Bounty Paper Towels 6ct or larger

$2.00 off 3 Glade products $2.00 off Any ONE bag IAMS brand Dry Dog Food

$1.05 off (1) Purina Cat Chow brand dry cat food $3.00 off (2) TYLENOL Cold or Sinus products

$1.00 off (1) TYLENOL Cold or Sinus product $3.25 off Any TWO Robitussin Products

$1.25 off purchase of ONE Robitussin Product

And here are new coupons from Redplum:

SAVE $1.00 off ONE (1) Right Guard® Body Wash product
SAVE $0.50 on any ONE (1) all® product (Excludes trial size)
SAVE $0.50 on any ONE (1) Snuggle® product (Excludes trial size)
$1.00 OFF ANY SALLY HANSEN® MIRACLE GEL™ COLOR, TOP COAT OR VALUE PACK ($7.97 OR MORE)

And here is a new coupon from SmartSource:

Save $1.50 when you buy one (1) 13oz jar or larger of Nutella® hazelnut spread
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Grocery Deals to Price Match (Feb. 10-16)

Grocery Deals to Price Match

After looking through the weekly ads, here are this week’s best grocery deals in Utah, February 10-16, 2016, that you’ll want to price match at Walmart, Target, or another store that prices matches in your area. If you do price match at Target, you’ll need to take the ads with you to show them.

The items highlighted in red are really good deals that you should stock up on. And some products have coupons that you can use to get an even better deal after price matching. Walmart has updated it’s ad match policy. Click here to read about one of the changes that might affect this Grocery Deals list.

Be sure to read these Tips on How to Price Match at Walmart, as well as read about the Walmart Savings Catcher program to save more money.

Deals to Meals Logo

For those of you who aren’t able to use my Grocery Deals to Price Match list because you live outside of Utah, you’ll want to check out Deals to Meals. It’s a site that helps people all over the country save money on groceries and save time planning and preparing for meals. If you want to try out Deals to Meals, you can sign up for a FREE 2-week trial here, then after that it’s only $4.95 a month. That’s just a little more than $1 a week, which is a great deal, especially with how much time and hundreds of dollars it will save you.

Newspaper Subscription $20 for a Year

If you want to receive the SmartSource (SS), Redplum (RP) and P&G coupons, sign up to get a Sunday newspaper subscription for the Deseret News or Salt Lake Tribune for just $20 for one year (52 weeks)! That comes out to be only $0.38 per paper, which is an awesome deal! Head over here for the details.

PRODUCE
Apples – Fuji, Gala, Cameo or Jonagold – $0.50 lb. (Rancho – Feb. 9, 10 & 11 Only) OR Apples, Cameo – $0.98 lb. (Sprouts)

Asparagus – $1.98 lb. (Sprouts) OR $1.99 lb. (Rancho)

Avocados, large – $0.89 each (Rancho)

Bananas – $0.50 lb. (Rancho)
Plus save 20% on bananas from SavingStar

Bell Peppers – Red – $0.88 each (Reams) OR Bell Peppers – Red, Orange or Yellow – $0.98 each (Sprouts)

Blackberries, 6 oz. – $1.99 each (Rancho) OR Blackberries, 5.6 oz. – $2.50 each (Sprouts)

Blueberries, 6 oz. – $1.99 each (Rancho) OR $2.50 each (Sprouts)

Blueberries, 11 oz. – $3.59 each (Reams)

Broccoli – $0.78 lb. (Reams) OR $0.99 lb. (Smith’s)

Cantaloupe – $0.50 lb. (Rancho)

Carrots, whole 5 lb. bag – $2.98 each (Sprouts)

Cauliflower – $0.48 lb. (Sprouts) OR $0.78 lb. (Reams) OR $0.99 lb. (Smith’s)

Celery – $0.98 each (Sprouts)

Cilantro – $0.50 each bunch (Reams)

Cucumbers – $0.48 each (Sprouts)

Eggplant – $0.98 each (Sprouts)

Grapes, red – $1.59 lb. (Rancho)

Honeydew – $0.50 lb. (Rancho)

Jalapeno Peppers – $0.50 lb. (Rancho – Feb. 12, 13 & 14 Only)

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Valentine’s Day Breakfast, Desserts & Activities

Cranberry Scones

Here is some fun and delicious food items, as well as activities you could do for Valentine’s. My family regularly asks me to make these Cranberry Scones. And it’s become a tradition to make them Valentine’s morning for breakfast.

 

Cherry Puff TurnoversThese Cherry Puff Turnovers would make a sweet treat for Valentine’s.

Cherry Pie Bars

These Cherry Pie Bars would also make a yummy dessert for Valentine’s.

Sugar Cookie Bars

If you love sugar cookies, but don’t like the long process of making them, then make these Sugar Cookie Bars and add pink frosting for Valentine’s Day.

Valentine's Day Activities FinalAnd show your spouse and children that you love them by doing these inexpensive Valentine’s Day Activities for them or with them before or on Valentine’s Day.

Tissue Paper Flowers Final

And decorate the house with these easy-to-make Tissue Paper Flowers.

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LivingSocial: Costco Membership Only $55 + $20 Gift Card & More

Costco Deal

If you’ve been thinking about getting a Costco membership, now’s the time to grab one. Through February 10, 2016, LivingSocial has a one-year Costco Membership for only $55 for new members. Plus it includes a $20 Costco Cash Card and coupons for a FREE 72-pack of AA Batteries ($18.99 value), FREE Food Court Pizza ($9.95 value) and FREE Organic Tortilla Chips ($4.99 value)! In addition, you’ll receive a unique code valid for $25 off a $250 order at Costco.com included in a coupon mailer.

Fine print:

  • Valid for new members only. Not valid for those with a current Costco membership or memberships that expired after October 1, 2015.
  • Limit 1 per customer, up to 3 additional as gifts.
  • Each membership includes a free Household card; “Household” is defined as anyone living in the same household over the age of 18.
  • PROMOTIONAL VALUE EXPIRES MAY 31, 2016. If purchaser does not use voucher by May 31, 2016, purchaser may call LivingSocial to receive a refund for the paid value. Any unused vouchers that have not been refunded will be refunded on July 1, 2016.
  • Purchaser must redeem voucher by May 31, 2016 to receive the Membership Activation Certificate, Costco Cash Card, and coupons. Coupons expire August 31, 2016.

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Amazon: Over the Door Organizer Only $6.72

Amazon - shoe hangerRight now, Amazon has the Whitmor Over the Door Shoe Organizer for only $6.72 (regularly $11.99). This is rated a #1 best seller in shoe organizers and features 24 clear vinyl pockets and hangs on any standard door. And you can use this organizer for more than just shoes. Use it to organize items in your kitchen pantry, art supplies, toiletries and more. Shipping is free on Super Saver Shipping orders of $35 or more or with Amazon Prime.

This post may contain affiliate links. Read my Disclosure Policy here.

Amazon: USpicy 8-Piece Cosmetics Brushes Kit Only $15.99

USpice Travel kit

Right now Amazon has USpicy 8-Piece Cosmetics Brushes Kit with Travel Pouch for only $15.99 (regularly $39.99). And get free shipping on orders of $35 or more with Super Saver Shipping or get free shipping with Amazon Prime..

This post may contain affiliate links. Read my Disclosure Policy here.

New Printable Coupons: Brawny, L’Oreal, Gerber & More

Here are the newest printable coupons from Coupons.com:

$1.00 off one Brawny Paper Towel $0.25 off ONE Bounty Napkins

$0.50 off ONE Charmin Basic 12ct or larger $0.75 off ONE Mr. Clean Magic Eraser Bath

$0.75 off ONE Mr. Clean Magic Eraser Extra Power $1.00 off ONE ARM & HAMMER Laundry Detergent

$1.00 off 2 Hefty Slider Bags $0.55 off Energizer Max or EcoAdvanced™ batteries

$0.75 off one Suave Body Lotion 10 oz. or larger $0.25 off ONE Ivory Body Wash OR ONE 3 Bar

$3.00 off any L'Oreal Paris Age Perfect product $3.00 off (1) L'Oreal Paris Revitalift product

$1.00 off one Burt's Bees Lipstick $1.00 off ONE Degree Men Deodorant

$2.00 off TWO Degree Men Deodorants $0.75 off ONE Crest or Oral-B Kids Toothbrush

$0.75 off ONE Crest Pro-Health Kid's toothpaste $0.50 off any (2) Swanson Broth or Stock bottles

$0.75 off when you purchase (1) Minute Maid Juice $1.00 off 2 Pillsbury Refrigerated Baked Goods

$0.50 off 1 Bisquick Pancake & Baking Mix $1.00 off any 2 Big G Cereals Listed

$0.55 off when you buy ONE Post Pebbles cereal $0.50 off 5 Yoplait Yogurt

$1.00 off TWO DOLE Shakers $1.00 off 2 Gerber or Graduates Yogurt Blends item

$1.00 off any 3 Gerber Graduates Puffs $2.50 off any 8 Gerber Graduates Grabbers items

$0.75 off any 1 Gerber Graduates Meals $2.00 off any one (1) Playtex Cup Product

$1.50 off TWO JOHNSON'S and/or DESITIN products $3.00 off 2 Bags OR 1 Box of Pampers Diapers

$3.00 off 2 Bags OR 1 Box Pampers Swaddler Diapers

And here are new coupons on Redplum:

SAVE $0.50 on any ONE (1) Wisk® item
SAVE $0.75 when you buy any ONE (1) BAR-S Sausage or Hot Link (Any Size/Flavor)
SAVE $1.00 off ANY Advil®, Advil® Migraine, Advil® PM, or ThermaCare® product (excl. trial sizes)
SAVE $1.00 on any ONE (1) Children's/Infant Advil®, Children's Dimetapp® or Children's Robitussin® product
$2.00 OFF any ONE (1) Noxzema® 5 or 4-Blade; Triple Blade (4, 8 or 10 count); or Twin Blade (12 count only)
This post may contain affiliate links. Read my Disclosure Policy here.

Grocery Deals to Price Match (Feb. 3-9)

Grocery Deals to Price Match

After looking through the weekly ads, here are this week’s best grocery deals in Utah, February 3-9, 2016, that you’ll want to price match at Walmart, Target, or another store that prices matches in your area. If you do price match at Target, you’ll need to take the ads with you to show them.

The items highlighted in red are really good deals that you should stock up on. And some products have coupons that you can use to get an even better deal after price matching. Walmart has updated it’s ad match policy. Click here to read about one of the changes that might affect this Grocery Deals list.

Be sure to read these Tips on How to Price Match at Walmart, as well as read about the Walmart Savings Catcher program to save more money.

Deals to Meals Logo

For those of you who aren’t able to use my Grocery Deals to Price Match list because you live outside of Utah, you’ll want to check out Deals to Meals. It’s a site that helps people all over the country save money on groceries and save time planning and preparing for meals. If you want to try out Deals to Meals, you can sign up for a FREE 2-week trial here, then after that it’s only $4.95 a month. That’s just a little more than $1 a week, which is a great deal, especially with how much time and hundreds of dollars it will save you.

Newspaper Subscription $20 for a Year

If you want to receive the SmartSource (SS), Redplum (RP) and P&G coupons, sign up to get a Sunday newspaper subscription for the Deseret News or Salt Lake Tribune for just $20 for one year (52 weeks)! That comes out to be only $0.38 per paper, which is an awesome deal! Head over here for the details.

PRODUCE
Apples – Fuji – $0.50 lb. (Rancho – Feb. 2, 3 & 4 Only) OR Apples – Gala, Red or Pink Lady – $0.69 lb. (Rancho) OR Apples – Gala or Fuji – $0.89 lb. (Reams) OR Apples – Jonagold or Braeburn – $0.98 lb. (Sprouts)
Plus save 20% from SavingStar on apples
(expires 2/8/16)

Asparagus – $1.99 lb. (Smith’s)

Avocados – $0.39 each (Reams) OR $0.48 each (Sprouts) OR Avocados, large – $0.67 each (Ridley’s) OR $0.79 each (Rancho) OR $0.88 each (Maceys & Fresh Market)

Bell Peppers – Red, Orange or Yellow – $1.25 each (Sprouts)

Bell Peppers, mini 1 lb. – $1.99 each (Smith’s)

Blackberries, 6 oz. – $1.69 each (Rancho – Feb. 2, 3 & 4 Only)

Broccoli – $0.88 lb. (Fresh Market) OR $0.97 lb. (Ridley’s) OR $0.98 lb. (Sprouts)

Cantaloupe – $0.50 lb. (Rancho – Feb. 5, 6 & 7 Only) OR Cantaloupe, Jumbo – $2.00 each (Sprouts)

Carrots, baby peeled 1 lb. bag – $0.97 each (Ridley’s) OR $0.98 each (Sprouts)
Plus earn $0.25 from Ibotta on any brand fresh carrots

Carrots, whole 5 lb. bag – $2.98 each (Sprouts – Comes out to $0.60 lb.)
Plus earn $0.25 from Ibotta on any brand fresh carrots

Cauliflower – $0.88 lb. (Fresh Market) OR $0.97 lb. (Ridley’s) OR $0.98 lb. (Sprouts)

Cilantro – $0.33 each (Sprouts)

Clementines, Cuties 3 lb. bag – $3.99 each (Albertsons)

Grapefruit, Texas Rio Red – $0.33 each (Sprouts) OR Grapefruit, Texas – $0.50 each (Albertsons)

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This post may contain affiliate links. Read my Disclosure Policy here.