Knocking Down Debt

So with all the financial issues over the past few years, I am going to work on getting my debt down, and start saving some money. Hopefully 2016 will allow me to get on the right track. So here I will list my bills each month and what my current debt is…

I have a strange living arrangement where my ex and I are roommates, (strictly though some find that hard to believe) Long story of how it happened, but it is better financially.

He Pays:

Rent: 950.00
Cell: 400.00 (5 people total on plan)

Total 1,350.00

I Pay:

Insurance: 400.00 (two cars which include my 20 year old daughter, my way of helping her save for college)
Cable: 180.00
Water: 100.00
Gas: 100.00
Electric: 300.00
Car: 357.00

Total: 1,537.00

Outstanding Debt:

Rise Loan that I took out to help my daughter:
2,000 will have an added 500.00 to my bills until May unless I can get it paid off sooner (hopefully)

Borrowed Money from my car problems

My Mom: Borrowed $2,000 Currently owe: $750.00
My Daughter: $1,500.00 Currently owe: $1,400.00

Credit Card Debts:

First Savings: 350.00
Legacy : 350.00
Merrick : 900.00
Capital 1 : 500.00
Capital 1 : 500.00
Victoria S : 300.00
Kohl’s : 300.00
BOA : 500.00

Total: :3,700.00
Total Debt :7,100.00

I make roughly $500 a week, sometimes more, my goal is to pay these debts down, save up an emergency fund, and earn or save an extra $2,000 this year by mystery shopping ect. I am doing 2 envelopes for the 52 week challenge, …I am still trying to get back on track 🙂 I can’t pay it forward as much until I get this knocked down, Of course this is my motivation!

Update as of May 24, 2016
First Savings: 250.00
Merrick : 800.00
Capital 1 : 300.00
Capital 1 : 400.00
Victoria S : 300.00
Kohl’s : 200.00
BOA : 400.00
Legacy : 250.00

Total: :2,912.00

My Daughter: 1,000.00
Rise Loan: 0.00 Paid 🙂
My Mom: 500.00
Fingerhut: 250.00
Total: 1,750.00

Total Debt: 4,662.00
Total Debt Paid down So Far: 2,438.00

Update: End of February Debt: 6,226.00 ~Hope to see a big difference at the end of March…Slow and Steady Gets the job done!U
Update: End of March Debt: 6,533.00~ Actually took a step backwards, but that is why keeping track is good so you can see this…I bought my daughter a TV from Fingerhut for $350.00 and bought myself some clothes since I have not bought hardly anything for myself in over two years, so my credit cards stayed the same or higher. I will try to knock it down in the next few months, but did pay some stuff down. I have changed the totals to be current.
Update: End of April Debt: 5,212.00 Really made some progress this month! Got the loan paid off which will free up more money to get the credit cards down! Like the little engine that could..finally I see a little progress!
Update: End Of May Debt: 4,662.00 I am loving seeing the numbers go down! Can’t wait until some of these credit cards have 0.00 balance, and I have all my other debts caught up and can focus on saving 🙂

Super Coupon Woman’s 2016 New Year’s Resolutions

So the New Year is here, and after a few rough years financially, I am hoping for brighter days ahead. I will still put paying it forward and donating a priority, but will also try to focus on myself a little more.

I tend to always put myself last without realizing it..I have not bought anything for myself in over two years! I spent 2,000.00 on the $50k challenge as well as taking a $9,000 setback due to lots of car issues (went through 3 last year…No No not my driving, just older cars that broke down and had to get a new one. I had to finally break down and get a new car with car payments which is what I was trying to avoid, but I am much safer so it will be worth it!

I helped over 70 children which equaled to about 30 families. I didn’t ask for any income requirements, just a Pay It Foward project, I gave each child between $250 and $400.00 worth of items. I asked each family to send pictures so I could put a video together. Out of 30, only five did. Thanksgiving, I helped 12 families, and only two sent them to me. When I messaged some of them and asked for the pictures, they just never responded back. Though I did not expect anything in return, this hurt my feelings knowing I put my own financial issues aside to pay it forward, their actions hurt my feelings as I am a sensitive person and take things to heart.

I am proud of my accomplishment, and will continue to work towards my #100,000 goal, just at a slower pace. I only need $15,000 to go! With the awesome friends I have, and getting my finances in order to save for a rainy day, this goal should be a breeze!

This year I plan on getting back into extreme couponing more instead of the retail end. I will be sharing my couponing trips with you..some I may scour and search for every coupon available, some I may just browse the sales. I had a fan want me to share how I work in donating my shopping trips. So by sharing my shopping trips good or bad, you can see how it works!

I will also be working on getting my debt paid down, and building an emergency fund so I will not have to be so stressed worrying about the next bill..(yes unfortunately, I am still in this phase)

So, yes this year I will focus on myself and still help others…good plan!

I look forward to sharing my book with everyone when I get it finished.

Happy Donating!

Super Coupon Woman

Super Coupon Woman’s $50,000 Challenge Results!

It’s New Year’s Eve 2015, last day of the challenge..I thought I would share with you the final results of the $50,000 Challenge! Even though I didn’t make the complete $50,000, I completed my 2nd goal of $30,000 or more. The final amount of donations collected and distributed is: $33,500.00! I am very happy with the results, making me be able to help many families in need. I will continue my mission in 2016 to complete my goal of donating a total of $100,000 to my community. I only need $15,000 to make this happen.

With this challenge, I have finally put Super Coupon Woman Foundation in action to help people on my own instead of donating to other charities. I am finally working one on one with people which has been pretty amazing. I was still able to help several charities such as: Arms of Hope, Big Brother’s and Sister’s, Helping Hands, as well as a few local charities. I was able to give out 25 backpacks filled with school supplies to those in need. I sponsored 12 families for Thanksgiving, and helped 70 Children have Christmas this year. After completing these missions, I gave the remaining items to those affected in Texas by the tornado’s which had a retail value of $1,725.00 of which $1,500.00 were new items.

I am very proud of this accomplishment because I thought about calling it off several times due to financial issues that took over $7,000 out of my budget. My friends, family, and fans gave me the support I needed to continue on, and encouraged me to move forward to see how much I could donate. Without their help, I would of not made my goal, it showed me that working together really does make a difference.

Thank you to everyone that donated, supported, and encouraged me. There have been tears, stress, uncertainty, but also happiness, excitement, and anticipation that has made it all worth it. Even with the $7,000 financial setback, I was able to spend $2,000 of my own money along with some amazing friends to be able to pay it forward to so many people in 2015. I never dreamed when I started couponing and donating that one day I would be able to say as a single mom, I was able to give back close to $100,000 to my community. I look forward to sharing my story in the book I am currently writing to inspire and teach others why it is so important to give back to your community, and how couponing can allow us to do so! I am hoping to have the book out sometime in January 2016! Below is some pictures of some of the great moments of this challenge.

backpacks

turkey2

christmas tree

christmas2

christmas4

christmas3

christmas5

tornado

kohls

Super Coupon Woman

50,000 Donation Challenge Leads to Amazing Opportunities For Super Coupon Woman Foundation!

christmas tree

turkey2

backpacks

christmas

kohls

I have to say this past year has been filled with lots of ups and downs because of financial issues, I considered putting off the challenge until 2016. Due to the support and encouragement of my friends, family, and fans..I decided to continue on with the challenge, and I am so glad I did!

I knew that I wasn’t going to get $50,000, but maybe I could shoot for the 2nd goal of $30,000, I am proud to say I am going to reach that goal, I should reach somewhere between $30 to $40,000 in donations, which will make my total amount donated since 2010 $80,000 (30k total) or more! Never would I have dreamed as a single mom I would be able to donate this amount and help inspire others to pay it forward like I have done.

I started the non profit in August 2014 not know what direction to go in or how to get donations, I just knew I wanted to do more, and if doors would open that allowed me to expand the amount of people I could reach or help, I would take action on these opportunities.

I still donated to other charities because my only goal was to help others. It seemed to be more difficult to work with them for different reasons. Tired of feeling like my donations didn’t matter especially since I never got to meet the people I was helping, I decided maybe I should take a different approach and start helping others on my own. It happened quite by accident when I had collected 25 backpacks that I filled with school supplies, and was going to give to a charity that I was working with at the time. I sent several texts asking if she could pick up and no response even a text “Hey is everything okay? I am worried about you…nothing” With school almost starting, and my busy work schedule, I reached out to the facebook garage sales and posted I had free backpacks for those in need. The response was overwhelming, I could of passed out 100 of them to fill the needs. Of course I had no income requirement, just a pay it forward moment. I had the families come pick them up, and I thought this is kind of cool.

I reached out to another charity that was just starting out wanting to form a bond and help them grow as well, soon the same thing happened..my messages were being ignored. It made me feel sad, and wonder why..maybe this was a sign I should give up or was it?

I wondered why I was being tested, maybe I had to get really hurt and angry to be pushed to the point to do it on my own. I really liked doing the backpacks where I guess it was like a group project. I decided to help families for Thanksgiving and sponsor children for Christmas. I remember my stomach in knots as more and more people requested help, and not being able to say no. I wanted to do 5 families for Thanksgiving, I did 12. I had 5.00 in my bank account at times, what was I doing? I wanted to do 50 children, I am at 70! But people were noticing, and telling others about me, a friend of mine was telling businesses about me, and they were offering to help. Then that ah ha moment hit, so that is what it means to fund raise, tell people what you are doing! Now, I am not racking the donation in by any means, most have been from my own pocket, but I got $100.00 from a family that just wanted to pay it forward, and would like to remain anoymous, Albertson’s gave me a $25.00 gift card, WoodForest donated $20.00, and I received another $60.00 donation. So this paid for my Thanksgiving donation. My friends were donating any of their unwanted items such as clothing, household items, ect…so my total continued to rise.

Last week I felt so overwhelmed, I had so much to do, was I going to be able to make this all work? With no financial backers I would not be able to provide expensive items such as video games, in fact, I didn’t have a lot of toys because I buy items on clearance. My money was running low, and I still needed 6k to hit $30k..I asked my co workers to remember me when they were clearing out things to make room for the Christmas presents they would be getting…They sure did, they sent $5,000.00 in donations my way which included a lot of toys which would help meet some of the needs of the Christmas families!

On Sunday, my work decided to collect gifts for Super Coupon Woman Foundation which was awesome, because I was running short on time to seek out financial donations to help me with the families. I am so amazed with all the good things that have come out of this challenge, sometimes I doubted myself whether I was making a difference, I have to say others kept my me motivated by the faith they had in me.

I am working on a book to be released in 2016 which I will share my story of how I went from a struggling mom to donating close to $100,000 to my community! As you can see, I still have financial struggles that could get me down, and keep me from donating, but I choose not to let lifes ups and downs keep me from paying it forward, It’s just who I am, and it’s best to embrace it and do the best I can! I promise to never make others feel like their donation does not matter because it with Super Coupon Woman Foundation…it does!

Happy Donating!

Super Coupon Woman

Super Coupon Woman’s 25 Frugal Gift Ideas Series…Homemade Lavender Bath Salts

Homemade Lavender Bath Salts

what you will need:

Epsom salts
100% pure lavender essential oil
dried lavender
glass jars with lids

Directions
Fill each glass jar about halfway full of the Epsom salts.
Add just 10-15 drops of essential oil, replace lid, and shake.
Remove the lid again, add 1 tablespoon of dried lavender flowers… replace lid and shake.

Decorate the jar and add a gift tag for a more personalized touch!

Want more gift ideas? order my 20+Cookbooks on CD~Over 10,000 recipes that includes over 3,000 homemade gift ideas!
20+ Cookbooks on CD

Super Coupon Woman’s 25 Frugal Gift Ideas Series…Hot Cocoa Gift in A Jar Recipe :)

Short on cash this holiday season? That’s okay! Super Coupon Woman will bring you a 25 frugal gift ideas to make that will save you time & money! Homemade gifts are probably the most loved…think about it, do we really remember that sweater or tie we got last year? My first frugal gift idea that I bring you is:

Hot Cocoa Gift in a Jar Recipe:
1 cup granulated sugar
1 cup unsweetened cocoa powder
1 cup powdered milk
1/2 teaspoon salt
1/2 cup miniature chocolate chips
1/2 cup miniature marshmallows

This mix will fill a 1-quart jar (12 servings)

Layer the ingredients for homemade cocoa in a jar
Add a ribbon and a tag… On the back of the tag, write: “Mix contents in a large bowl. For each serving, place 1/3 cup cocoa mix in a mug and stir in 1 cup boiling water. Store remaining mix in airtight container.”

Have more gifts to make, double the recipe 🙂

I usually save glass jars such as spaghetti, pickles, ect throughout the year to make different gifts, if you do not have any saved, Wal-mart and other stores should sell 12 mason jars as a set for this gift idea. Great project to make with children.

Get creative and decorate the jars to make it even more special!

Want more gift ideas? order my 20+Cookbooks on CD~Over 10,000 recipes that includes over 3,000 homemade gift ideas!
20+Cookbooks on CD

Need A Great Gift For Anyone On Your List? 20+ Cookbooks on CD~ Over 10,000 Recipes!!!

Do you love Cooking or know someone that does? Super Coupon Woman has put together over 25 Cookbooks of your favorite recipes that includes over 10,000 recipes on CD! This makes a perfect gift for anyone on your gift list including that person that has everything! This CD has well over 3,000 great gift ideas just in time for the holidays!

Take a look at just a few of the cookbooks to choose from, Most include over 500 recipes each:

Amish
Bread
Crockpot
Canning
Cajun
Chocolate
Casseroles
Dutch Oven
Football
Grilling
Southern
Hawaiian
Italian
Mexican
Non Bake,
Gift Ideas
Soups
Sandwiches
Low Carb
Diabetic
Wild Game
Wedding

Each individual cookbook is divided into easy to find categories such as: chicken, beef, pork, side dish, appetizers, desserts, ect. You may view the recipe on your computer or you may print them out also.

I am offering this CD at a great price as a way to raise funds for Super Coupon Woman Foundation, all proceeds will go to help those in need. Get a great gift for someone and help a great cause at the same time! Don’t forget to grab one for yourself!

How Much? Only $8.00 which includes shipping! Thank you for supporting Super Coupon Woman Foundation, I hope you enjoy this CD as much as I did putting it together!

Order by clicking the button below:





Best Black Friday Deals

So Black Friday is Just a few days away…Super Coupon Woman Will List some of the best Black Friday Deals…Let us know what you think is an awesome deal also!

Half Price Books..Purchase a $25.00 Gift Card Receive a $5.00 Gift Card Free..This offer is good until December 24th 🙂 I Love 1/2 price books, that is where I got a lot of my gifts for the families I am sponsoring for Christmas. They have clearance books and DVDS for $1.00, so in Super Coupon Woman’s Eyes that’s 30 Gifts for someone!

Kohl’s Receive $15.00 Kohl’s Cash For every $50.00 Spent…More Free Gifts!

I will list more as I find great black friday & Monday Cyber deals…I just love free money & Great Deals

Veteran’s Day Freebies & Deals!

If you or a family member have ever served in the military, Veteran’s Day is a great day to spend some quality time together, and snag some great deals!

Have your military ID ready to take advantage of these offers!
It’s A Good Idea to call and confirm that the location in your area is particpating just to make sure & any details about the offer!

Here is a list for you to pick and choose from:

Perkin’s Free Magnificent 7 Meal
I Hop Free Stack of Red White & Blue Pancake’s
Denny’s Free Grand Slam Breakfast
Starbucks Giving out Fresh Brewed Coffee to Veteran’s & their spouses
Olive Garden Free Veteran’s Day Meal for the Veteran’s and 10% off entire family’s meal.
Chili’s Free Veteran’s Day Meal off of select menu items.
Apple Bee’s Free Veteran’s Day Meal
TGI Friday’s TGI Friday’s is Giving out Free Lunch between 11 & 2
Little Ceasars Get a Free Pizza between 11-2
Red Robin’s Red’s Tavern Double burger and Bottomless Fries
Cattle Men’s Free 8oz Sirloin Dinner
Texas Roadhouse Free Lunch
Golden Corral Free Meal between 5-9pm
On The BorderThey are giving away a create your own combo meal where they’ll get to choose 2 or 3 selections of soup, salad, tacos, tostadas, enchiladas, and other classics.
Cotton Patch Free Chicken Fried Chicken or Chicken Fried Steak Meal

There are still plenty more, type in free Veteran Day meals for your area in Google to take advantage of more local deals

Super Coupon Woman Foundation is Looking to sponsor families in Wylie Or DFW area for the holidays.

I would like to sponsor 5-10 families for Thanksgiving meal, and at least 10 (hopefully more) families for the holidays…If you are needing help with the holidays please send me an email and explain your situation…I am interested in families that are not currently receiving help from other organizations. Please tell me how many children are in your family, ages, gender, sizes. Do you have a VHS Player, do they like to read ect and what kind of things they like. I already have lots of items collected..mainly books dvds and hopefully some clothes and toys. You may nominate families also…Please send inquiries or to receive help email: supercouponwoman@yahoo.com..you may also use the contact me page 🙂

Want to Help? Donate Here:
https://www.youcaring.com/tina-m-klein-457650#.Vi5qxSok8kY.facebook