Crocs.ca has a great sale right now. Save 25% off select styles!
Save on best sellers including Classic Clogs, Women’s Leigh Wedges, Men’s Walu Loafers and more.
Use coupon code: MIDWEEKSALE
Expires: January 19, 2017
Shipping is free on orders of $100 or more.
I don’t know about you, but every time I do some sort of no spend challenge, I get the urge to declutter and organize. Maybe it’s my way of occupying my time instead of thinking I have to be in a store. What ever the reason, I love the feeling I get after I finish a good purge. Really makes me consider why I want to buy anything new for the house.
Several of you have mentioned in the Simply Frugal Community that you have already started organizing without my prompting and I think that is so excellent!
I’ve actually done quite a bit of decluttering already (in December) because we were going to list our house for sale. I think thanks to our efforts, it sold really fast! As in, we listed it on a Friday, had a showing on Sunday, then an offer on Monday. Blew us away with how quickly everything went!
On that note, this week, we’re going to spend some time decluttering, organizing and cleaning!
I just don’t see the need in keeping or moving anything that we still won’t use, just because our house is bigger. Saves the hassle of packing it up!
Rather than following a set list of tasks, I’m going to list out a whole bunch of suggestions for areas/things you can declutter. Pick what speaks to you! Choose one, or choose a bunch!
As I start packing up our stuff for the move, I’ll be going through everything. But this week, I really want to try to get my filing and recipes in order!
Tomorrow, look for a post outlining 31 items you can purge right away. You know, in case you just need a list telling you exactly what you don’t need to hang on to any more. 🙂
I’d love to know what you will be working on this week? Let me know in the comments below!
Through tomorrow only, save an extra 30% off the lowest price on Bench’s snow line! They’ve got men’s and women’s pants and jackets to check out!
Discount will be applied in cart.
Offer ends January 18, 2017 at 6pm EST.
(Note: The links in this post are affiliate links. Read the disclosure policy here.)
Credit card debt is something that millions of Canadians struggle with. It’s like a vicious cycle that never stops, unless you can get rid of the credit cards. However, it’s no secret that emergencies happen and sometimes those credit cards can be a lifesaver. Check out these tips for avoiding credit card debt this year.
If you have never used the cash envelope system, it’s definitely worth trying! Basically, you create a budget and use the cash envelopes as a way to hold the money for your various budget categories. For example, in your budget, you might have allotted $50 for eating out for the month. That $50 would go in your eating out envelope and once it’s gone, it's gone.
It’s absolutely nearly impossible to stay out of debt if you’re not able to pay things off when they arise. Start setting up your emergency fund now, so you can stay out of trouble later. It's recommended that you have at least three months of living expenses saved up, but you can do what you feel is best for your situation.
Of course one of the most common sense ways to avoid credit card debt is to cut up the credit cards. Instead of relying on credit cards, you can build up a savings. Having your emergency fund in place will help you avoid using a credit card when emergencies arise.
Many people use their credit card to purchase bigger items that they cannot normally afford. Friends, this is called living above your means. You probably don’t need a new television or a bigger bed if you cannot pay cash for it. Sometimes avoiding these big purchases can help you be thankful for what you already have. Instead of using a credit card, start saving cash for your next purchase.
For some reason there is an option that allows you to put someone else on your credit card. This will rack up your credit card amount fast. The only one who should have access to your credit card is you. If your credit card gets lost or stolen, this can mean big trouble for your finances. If you’re trying to avoid credit card debt, it’s probably best to not put someone else's name on your credit card.
There are some credit cards out there that come with a hefty price tag. They lure you in with their lovely interest rates and then pounce on you whenever the promotional interest rate is up. Always read the fine print to your credit card.
Do you have some credit card debt to work off this year? How are you going to accomplish that? What are your tips for staying credit card debt free?
I’m back again after reading through the Reader Survey one more time!
Another thing many of you mentioned was that you want to hear from others. Not just me. (Say what?? :)) I mean, I know there are many of you that have truly inspiring financial stories to share. So really, I’d love to hear from you as well!
Maybe you paid off a significant debt, or perhaps you bought a vehicle with cash. Or how maybe you got through college without taking on student loans?
What ever your financial story may be, we’d love to hear from you if you think it would help inspire someone else on their journey!
Eee! I’m so excited to hear how you have transformed your money mindset to get to a place that makes you a financial rock star!
Please shoot me an email at admin@simplyfrugal.ca if you’d like to be featured with your story on Simply Frugal!
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Offer ends January 15, 2017.
(Note: The links in this post are affiliate links. Read the disclosure policy here.)
American Eagle has just slashed everything in their Clearance section to $20 or under ($26.27 in Canadian dollars) and that makes for some CRAZY good deals on winter coats!
Check out all the coats marked down to $26.27, some regularly priced at $262.72! (That’s 90% OFF!)
Shop the Men’s section here.
Shop the Women’s section here.
I’ve mentioned it before, but my husband and I really enjoy eating out once a week. I’m pretty sure I enjoy it more than my husband, but regardless, eating out can become a big expense. Needless to say, because of the No Spend Challenge, our once a week restaurant dining has not and will not be happening this month. (So far so good!)
Rather than feel sorry for myself, I thought it would be fun to search online for restaurant copycat recipes so that we could eat “out” at home. I found 14 delicious looking recipes that I can’t wait to try!
If you’re joining me for the No Spend Challenge, today’s task is to eat “out” at home with your family or friends. (Or plan to do so this weekend.) Choose from one of these recipes, or search for a different version of your favorite restaurant meal. Why not make it really special by pulling out a table cloth, cloth napkins and candles if you have them?
Does your family eat out a lot? What are your favourite restaurant meals? Do you have a version you create at home? Leave a recipe in the comments if you’ve got one to share!
For a limited time only, save up to 50% off Activewear from Old Navy!
Plus, today only, save 30% off your purchase! (excluding Everyday Steals, Hot Deals, Today Only Deals, and Clearance merchandise). Discount will be applied automatically. Ends January 12, 2017.
Bentley Leathers is having a sale on Swiss Gear luggage and backpacks! Enjoy an extra 25% off all Swiss Gear products (both full priced and sale items) with this coupon code:
Use coupon code: SWISS25
Expires: January 15, 2017
Coupled with free shipping over $75, this offer definitely helps you get set up for your next vacation!
