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Here's What's New For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave. 
This was a great reminder from Amy today: I love a good bargain. When I enter a store, any store, I delight in discovering All Things CLEARANCE. When we lived in the city and I had access to All of The Stores, I was a bargain shopper extraordinaire, hitting all the sales. Frequently. I did lots of shopping, but spent very little money (on each individual item). That money spent, though? It added up, and I had not much more than lots of stuff to show for it. Some of it useful. Some of it even needed or highly desired. But a lot of it ended up being just clearanced stuff. My fetish for the frugal find found me scoping garage sales every Saturday morning, and I'd also frequently browse through and order items from clearance catalogs. When the items arrived they might not be exactly what I'd hoped for, or wouldn't fit just right, or *gasp* looked better on the catalog model than on me. But I wouldn't send the order back, because paying for shipping would be more than my refund! My stuff collection grew… Read the full post here.
For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.    Related Stories 
Here are some new printable coupons available today: (Note: The link in this post is my referral link. Read my disclosure policy here.) For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.  Related Stories- Printable coupons: Weight Watchers, Yoplait, Ocean Spray Cranberries, Progresso, Ol El Paso, plus more
- New printable coupons: Jennie-O, Folgers, Burt’s Bees, Revlon, Pantene, Ajax, plus more!
- New printable candy coupons: M&M’s, Snickers, Twix, plus more
HappyClippings.com shows you how to make homemade folded paper leaves.  Do you have a fun and frugal DIY idea to share? I’d love to hear about it! Read the submission guidelines and submit it here.
For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.  Related Stories 
Order a one year subscription to Vegetarian Times magazine for only $7.99 per year when you use coupon code MONEYSAVING at checkout. You can order up to five years at this price. About Vegetarian Times: Vegetarian Times is essential to healthy living. Each issue is filled with mouth-watering recipes, tips on making old favorites healthier, and the latest nutritional information to help you live better. Special features on health, diet, and fitness make this magazine subscription a must have for every vegetarian. This offer expires tonight 10/03/13 at 12:00 AM (midnight) EST. (Note: The link in this post is my referral link. Read my disclosure policy here.) For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.  Related Stories 
Print a Peet’s coupon good for a free beverage when you purchase another beverage. This offer is valid through October 6, 2013. Thanks, My Frugal Adventures! For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.  Related Stories 
We have recently become a one-income family and I am very nervous. I am couponing and it really helps. I want to be a home tester, but I am so afraid of getting scammed. I am new to the internet. Can you offer any advice?
-Sheila
1. Take a Deep Breath While this can be a scary time, this can also be an exciting time. There is a world of possibilities before you and I love your can-do attitude. That will take you very far! I encourage you to take a deep breath and focus on the blessings and opportunities instead of getting overwhelmed and nervous by all the “what ifs”. 2. Get on a Budget The best thing you can do for your family right now is to get on a written budget. Many times, people don’t have an income problem, they have a spending problem. So before trying to increase your income, make sure you are being very intentional in how you spend what you’re already making. I highly recommend getting a copy of The Total Money Makeover by Dave Ramsey from your library. If you can afford it, I also heartily suggest looking into going through Financial Peace University. Both of these resources will walk you through how to set up a budget and how to stick with it. And Dave will motivate you and inspire you to dream big, work hard, and get your finances in amazing shape. 3. Do Your Research If you’re thinking of doing any at-home work, do a lot of research before jumping into anything. There are many legitimate opportunities out there, but there are also dozens upon dozens of scams. Dig around online, talk to friends, and take time to investigate before moving forward with anything. If you’re looking for some tried and true ideas, check out my series on 31 Ways to Earn Extra Income Before Christmas. Note: Never, ever, ever pay a company to sign up and take surveys, mystery shop, or do at-home research. Any company that asks you for money upfront is almost 100% guaranteed to be a scam. 4. Focus on the Best Return on Your Investment There are so many different things you can do to save and make money. I encourage you to start slowly and set limits. Try a few new things every month and figure out what works best for you. As you experiment, determine what things you find you enjoy doing that also give you the best return on your investment of time. It might take you a number of months and experimenting to hit on the best things, but don’t give up. Keep at it and you’ll eventually learn what works well for you and your family. Once you’ve found those things, focus your energies and efforts there and don’t let yourself feel guilty if you’re not doing everything else that some of you frugal friends are doing. You can’t do it all, so do what works for you — and be free from guilt! What advice and suggestions do the rest of you have for Sheila? I’d love to hear! photo credit For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.  Related Stories 
Dillons Kroger Value Plates – $1.39 1 Kroger Cheese – $2 2 Kroger Butter – $1.77 each 3 Post Cereal – $1.67 each, used 2 $1/1 printable and 1 $1/1 e-coupon - $0.67 each after coupons 3 Kellogg’s Cereal – $2.50, used 3 $1/1 printable (no longer available) (PLUS received $3 catalina for buying 3) – $0.50 each after coupons and catalina 1 Kroger Chocolate Chips – $1.59 1 Kroger Bath Tissue – $2.50 1 Cucumber – $0.75 2 Hunts Pasta Sauce – $1 each 2 Kroger Cut Green Beans – $0.69 each 1 Cream of Chicken Soup – $1 1 Dillons Milk (gallon) – $2.98 2.33 lbs Bananas @ $0.52/lb – $1.21 1 Lettuce – $0.99 0.76 lbs Broccoli @ $0.99/lb – $0.75 1 bag Jonathan Apples (3 lbs) – $2.99 1 Kroger Potatoes (5 lbs) – $0.99 Items Part of Private Selection Sale (Buy 4, Save $4 instantly): 4 Private Selection Frozen Fruit – $1.99 1 Private Selection Salsa – $1.19, used $0.60/1 coupon from store mailer – $0.59 after coupon 3 Private Selection Greek Yogurt – $0.39 Used $2.50 catalina from last week Total before sales and coupons: $74.57 Total with tax ($3.49) after sales and coupons: $44.26
Menu Plan for this Week Breakfasts Cereal, Smoothies, Oatmeal, Peanut Butter Chocolate Chip Muffins Lunches Leftovers, Peanut Butter & Jelly Sandwiches, Macaroni & Cheese, Fruit & Veggies, Scrambled Eggs & Cheese Dinners Steak, Toast, Tossed Salad, Peas Sour Cream Enchiladas, Steamed Broccoli, Peaches (We picked and canned a bunch of these a few weeks ago.) Homemade Pizza, Breadsticks, Tossed Salad Spaghetti, Green Beans, Fruit Salad Chicken Rice Casserole, Pumpkin Muffins, Sliced Apples, Tossed Salad Pancakes, Eggs, Homemade Hashbrowns Dinner with family For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.  Related Stories 
Are you a weary mom? Could you use some encouragement? You’ll want to enter to win a copy of The Mission of Motherhood or The Ministry of Motherhood by Sally Clarkson. Do you long for your home to be life-giving and peaceful? Is it your desire to pass on a legacy of righteousness to your children?
Do you struggle to balance the duties of motherhood with a loving relationship with your children? The Mission of Motherhood will give you a fresh vision for motherhood and will help you rediscover the joy and fulfillment that can come from motherhood. Read more about The Mission of Motherhoodhere or at Amazon. 
A mother's day is packed with a multitude of tasks that require energy and time: preparing meals, washing clothes, straightening and cleaning the house, and caring for children. These jobs all are necessary and crucially important. But in the dailyness of providing for a child' s physical, emotional, and social needs, vital opportunities for spiritual nurture and training can be overlooked. This doesn't have to be the case. You can focus your energy on what matters most. Learn how you can: - Make Life's Mundane and Nitty-Gritty Moments Work for You and Not Against You.
- Discover Ways to Make Character-Building a Natural Part of Live.
- Teach Your Child in the Same Way Jesus Taught the Disciples.
- Pass on Crucial Gifts that Will Serve Your Family for a Lifetime.
Using biblical wisdom and practical teachings, Sally Clarkson shows how you can make a lasting difference in your child's life by following the pattern Christ set with his own disciples–a model that will inspire and equip you to intentionally embrace the rewarding, desperately needed, and immeasurably valuable Ministry of Motherhood. Read more about The Ministry of Motherhood at here or at Amazon. 
Sally Clarkson is the mother of four children, a popular conference speaker, and the author of numerous books and articles on Christian motherhood and parenting, including The Mission of Motherhood, The Ministry of Motherhood, and Desperate. In 1994, she and Clay started Whole Heart Ministries to encourage and equip Christian parents to raise wholehearted Christian children. Since 1998, Sally has ministered to thousands of mothers through Mom Heart Conferences, and more recently through her blog, ITakeJoy.com (for Christian women). I’ve been so blessed by Sally’s life and her books. She’s inspired me so much as a mother to enjoy my children, nurture my children, and give them a love of beauty and learning. 10 Winners will receive their choice of The Mission of Motherhood or The Ministry of Motherhood on my blog this week. To enter to win, just click on the graphic below and type in your name and email address. This giveaway ends Friday, October 4, at 11:59 pm, CST. 10 winners will be chosen and posted on Tuesday. 
For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.  Related Stories 
During the month of October, I’m following along with Edie & Ruth on their 31 Days of Less & More journey. I’d love for you to join in by reading the posts and completing the projects, or just sit back and read along each day.
Less Fear All my life, I’ve battled fear and insecurity. I’ve worried what people would think. I’ve thought in worst case scenarios. I’ve feared the unknown, the known, and the might happen. In the process, I’ve wasted a lot of time and energy on fear. In the last few years, God has been bringing people around me who are challenging me to stop living in fear and start living in faith. Fear paralyzes. Faith frees. Punching fear in the face has been a very stretching experience. It’s not been a one-time thing, either (oh, how I wish it were that easy!). I’ve had to get up and go face the fear monsters over and over again. But each and every time that I step outside my comfort zone and confront my fears, there’s been rich rewards. And it’s been every bit worth it. More Courage "You can choose courage or you can choose comfort. But you can't choose both." -Brene Brown Courage doesn’t require a lack of fear; it just requires a willingness to act in spite of fear. You have to get up, make that phone call, knock on that door, send that email, walk onto that stage, take that first step, or stay when you want to run. It will feel uncomfortable. It might make your heart race. It might be painful. But in the end, choosing courage over fear is always the right choice. In fact, the more you exercise your courage muscle, the stronger it will become. And I promise that it will bring you a sense of fulfillment and excitement that you’ll never experience if you stay stuck cowering in fear. For more on this topic, check out Ruth’s post on Less Fear and Edie’s post on More Courage. I promise you’ll be inspired and blessed!
For the first time ever, you can watch the Dave Ramsey Show whenever you want, for free! Check out the new video channel, and learn how to start your debt-free journey with daily advice from Dave.  Related Stories | | |
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