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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.




Publix Deal: ? 41¢ Martha White Muffin Mixes! (12/9-12/21)

Publix Deal: ? 41¢ Martha White Muffin Mixes! (12/9-12/21)

Are your mornings a little crazy too? It only takes a couple of minutes to whip up a batch of these Martha White Muffin Mixes! Then you can pop them in the oven and continue getting ready. A grab and go meal is a must with busy families. Check out this deal starting...

Publix Deal: ? $2 Gain Softener! (12/5 or 12/6-12/8)

Publix Deal: ? $2 Gain Softener! (12/5 or 12/6-12/8)

Here's one of those EASY shopping deals that we just LOVE to find at Publix! Grab your coupon for this deal at Publix! You can score this jug for just $2 which is 60% Off! WOOHOO! Gain is one of my favorite softeners but it can be so expensive, but not this week! ?...

Publix Deal: ? 42¢ Halls Cough Drops! (12/5-12/11 or 12/6-12/12)

Publix Deal: ? 42¢ Halls Cough Drops! (12/5-12/11 or 12/6-12/12)

Have you ever noticed that your coughing gets worse when it’s the most quiet during church or the theater?! That’s why I make sure to keep lots of cough drops in my purse at all times! Not just for me but for the hubby and kids too! Starting Weds./Thurs. at Publix,...

Publix Deal: ? 83¢ Simply Potatoes! (12/5-12/11 or 12/6-12/12)

Publix Deal: ? 83¢ Simply Potatoes! (12/5-12/11 or 12/6-12/12)

Slow the season down a little and make breakfast with the family. It's a great way to get the family all in one place making something to fill your tummies and this deal will sure to please those hungry tummies! Get your coupons ready for 83¢ Simply Potatoes starting...

Publix Deal: ? $12.99 Luvs Boxes Diapers! (Ends 12/4 or 12/5)

Publix Deal: ? $12.99 Luvs Boxes Diapers! (Ends 12/4 or 12/5)

With everything moms have to try and keep up with, worrying about our diaper supply is the last thing we should need to stress about. Babies can go through so many diapers, we have to learn to save on them! Right now at Publix, you can pick up TWO (2!) Luvs boxed...

Oreo Peppermint Bark Recipe

Oreo Peppermint Bark Recipe

Oreo Peppermint Bark Recipe The combination of chocolate and peppermint is irresistible. This bark is delicious and pretty, isn't it? You'll need just a few ingredients. Use a food processor to crush up some Oreos. Don't over process! You want little...

12/2/18 Coupon Insert Preview: (1) SmartSource, (1) RetailMeNot

12/2/18 Coupon Insert Preview: (1) SmartSource, (1) RetailMeNot

  You can expect to find TWO (2) Coupon Inserts in your Sunday paper this week: (1) SmartSource, (1) RetailMeNot 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....

CVS Deal: ??‍? $5 Select Hair Appliances (Save $10+)! (11/25-12/1)

CVS Deal: ??‍? $5 Select Hair Appliances (Save $10+)! (11/25-12/1)

Do you keep a spare hair dryer for your guests? I recently had my main hair dryer go out and my spare! What a crazy thing to happen right before the holidays! That's one reason I'm so excited about this deal! I'll be able to replace my spare hair dryer for my guests...

Publix Deal: ? 74¢ Quaker Chewy Bars! (Ends 12/4 or 12/5)

Publix Deal: ? 74¢ Quaker Chewy Bars! (Ends 12/4 or 12/5)

My entire family just loves Quaker Chewy Bars and I'm sure yours do too! They are so tasty and make for a quick snack on the go. Make sure you stock up at Publix as they are BOGO right NOW! The new coupon that came in the 11/4 RetailMeNot insert that makes them just...

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