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How We Paid Off $15,000 Of Credit Card Debt Using Coupons

I bet I can guess what you're thinking. You're curious what coupons are gonna help you pay off your credit cards, right?

I hate to be the bearer of bad news; but that's not how this works.

But before I explain how it DOES work, I've gotta give you a quick back story.

You see, in 2009 when the economy took a large downturn, my husband, James, received a large pay cut. We already had a couple thousand dollars of credit card debt at the time so things were tight.

In other words, we had a hard choice to make:

Buy Groceries OR Pay Our Mortgage.

I felt like a complete failure.

Correction: WE felt like complete failures.

Oh, did I forget to mention that I was an accountant before I was a mom, so I should've known better?

Yep, I have an accounting degree, plus I was a "Senior Financial Analyst" for an International Healthcare Company for 5 years before I was a stay-at-home mom.

I was in charge of millions of dollars, yet I couldn't manage my own money once I was a full-time mommy.

Here's what happened:

• I love math (hence my accounting background).
• I learned how to use coupons to pay for our groceries and everyday expenses.
• We then used our own cash to pay off our debt.

It took us 3 years to pay that bad boy off.

$15,000 of credit card debt paid off in 3 years with tiny little $1-$5 increments.

But you know what actually helped us pay off that debt?

Not the coupons. (Nope... that was the fuel to get us to the final destination.)

What helped us pay off all that debt was something every single person has the power to do with a pen and a piece of paper:


Yes, you read that right.

We took a sharpie out and we looked at each other and we wrote down the total dollar amount of our debt.

And then we stared at that blasted paper on the front of our refrigerator every stinkin' day. (Over the Christmas holiday we'd tape the sheet to the back side of a kitchen cabinet to hide it from guests.)

Want a bowl of ice cream, hun?  **sees debt goal on front of fridge as getting into the freezer**

Daggone debt keeping us from going to Cold Stone Creamery to get yummy "mix-ins".

Anyone want some popcorn?  **sees debt goal on way to pantry to get popcorn**

Man, the movie theater popcorn tastes SO much better than this stuff I just burned in the microwave. Dang! I can't wait to get this debt paid off for GOOD so we can go to the movies whenever we want.

Every couple months we'd recalculate the number and we'd cross off the big number and write a new, smaller, one.

I wish I had held on to that paper to show you. But it felt so good when we had paid off our debt and James and I set that paper on fire in a family bonfire one night. And then we roasted marshmallows I got for free, using coupons.

Now, obviously, coming up with $15,000 takes more than writing a number (goal) on a piece of paper.

Those specific lessons we learned in the 3 years paying off our debt.

And I have good news for you: you don't have to use coupons to pay off debt (I've figured out easier ways for you to do it!).

Do you have debt?

Are you ready to take action and get rid of it?

Because I've got one super simple math equation that'll help you have more money left over at the end of the month:

No Debt Payments = More Money Left Over Each Month!

You'll pay off that debt so so SO much faster if you mentally "rip off the band-aid" and calculate your debt. And write that number down. That's your goal number to ATTACK WITH ALL YOUR MIGHT.

I've got some super pretty (and FREE!) Printable Goal Sheets to help you do that today. Click here and I'll email them to you for free.




3/24/19 Coupon Insert Preview: (1) SmartSource

3/24/19 Coupon Insert Preview: (1) SmartSource

  You can expect to find ONE (1) Coupon Insert in your Sunday paper this week: (1) SmartSource RetailMeNot (RMN) - formerly RedPlum (RP) Also, don't forget to pull out the Publix Purple H&B Flyer! We've already matched them up with the coupons. Always skim thru the...

Publix Deal: 🏃 25¢ BodyArmor SuperDrinks! (3/27 Or 3/28-3/31)

Publix Deal: 🏃 25¢ BodyArmor SuperDrinks! (3/27 Or 3/28-3/31)

Are your kids still in sports? Well, Publix wants to help you out! Starting Weds./Thurs., Bodyarmor Sports Drinks are just 25¢ each! These are made with natural ingredients and sweeteners and are much healthier than the ones we grew up on. Get some this week for your...

CVS Deal: 🐰 $2 Dove Easter Candy Bags! (3/17-3/23)

CVS Deal: 🐰 $2 Dove Easter Candy Bags! (3/17-3/23)

Have you started to gather some stuff for all the Easter Egg stuffing you'll be doing? Hurry to CVS starting Sunday, 3/17 to score (2) bags of Dove Easter Candy Bags for ONLY $2 each! You'll just have to hide them from the candy thieves in your house though. 😉 This...

Publix Deal: 😴 FREE Tylenol Simply Sleep! (3/23-4/3)

Publix Deal: 😴 FREE Tylenol Simply Sleep! (3/23-4/3)

Have you had trouble going to sleep with all the things you have left to do this month? Then get your coupons ready for this great deal starting Saturday, 3/23 at Publix! Get a good night’s sleep with FREE Tylenol Simply Sleep Nighttime Sleep Aid! WAHOO!...

Publix Deal: 🐱 $1.50 Meow Mix Cat Food! (Ends 3/26 Or 3/27)

Publix Deal: 🐱 $1.50 Meow Mix Cat Food! (Ends 3/26 Or 3/27)

Are your kitties just as hungry as mine? Then you won’t want to miss this deal going on NOW at Publix! Hurry and get your coupons cut and ready so you can score Meow Mix Cat Food bags for ONLY $1.50 per bag! WOOHOO! [%printable-list:MeowMixWetCatFoodPublixGDA%] BONUS...

Publix Deal: ✨ $1.15 Clorox Dish Soap! (3/20-3/26 Or 3/21-3/27)

Publix Deal: ✨ $1.15 Clorox Dish Soap! (3/20-3/26 Or 3/21-3/27)

Dishes are never-ending in our house! So at least we can get great smelling dish soap for a great deal to make ourselves feel better about having to do dishes! Starting Weds./Thurs. at Publix, we can bring home TWO (2!) bottles of Clorox Dishwashing Liquid for only...

Successfully accomplish your goals this week with these FREE Printable Goal Sheets. You\'ll gain a clear focus for your week so you get more done. #debtfree #financialgoals #truemoneysaver