I don’t know about you, but a great Groupon really makes my day! Most recently I used one to get movie tickets really cheap. We don’t usually go to the movies, and seriously, the price is the major deterrent! What happened to $5 matinees!?!  Ugh, my age is showing. :oops:

Another thing that makes me elated is the feeling of power that rises over me when I am ready to purchase something and then right before hitting the button I say to myself, “Self! Stop what you’re doing and do a search for a promo code and see if you can get your item cheaper!” Then I actually FIND one that works and I send Fat Guy to fetch my royal ginger tea and rub my royal feet as I laugh with glee at my triumph.

Alright. Fat Guy’s not exactly the fetching kind, and I don’t feel all that haughty, but I do get really, really happy.

Groupon Coupons

After years of relying on Groupon for great deals, they have taken it a step further and are offering Groupon Coupons! Instead of running to a search engine and clicking on a couple of random sites, hoping the promo codes work (and believe me, most of the times, they don’t), Groupon has provided one place to go for great deals.

  • At Groupon Coupons, you don’t need to purchase anything to use these great savings offers. Choose from a database of over 55,000 completely free coupons and exclusive promo codes from more than 8,000 national retailers.

Using the coupon-designated portion of the site is very direct and easy to navigate. When you go to the coupon page, you are shown the top offers. Underneath that, there is a button to “browse by store”. This allows you to see each store in alphabetical order. You can click on the store you are interested in and a separate window pops up that allows you to see what sales or coupon codes are available.

** Seriously, Converse is having a great sale right now! 40 – 60% off! **

Also, remember that many deals are exclusive to Groupon, so keep an eye out for those!

If you are doing some shopping online anyway, it makes sense to save some money while you’re at it. Before you press that Checkout button, take a look at Groupon Coupons and see if there’s a deal for you.

 

Do you purchase a lot of items online?

How often do you look for promo codes and coupons to save money on your purchases?

Do you have a reliable place to find online deals?

photo credit: Coupon Pile Stock Photo via photopin (license)

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Last year we posted every penny that we owe in an effort to be 100% transparent about our debt repayment. I wanted to wait until all of the numbers were in from our 2014 transactions before giving you an update on our debt repayment plan (the debt avalanche).

Below you will find the opening balances of all of our credit accounts at the beginning of 2014 and what they were at the beginning of 2015.

Here Is A List Of All Our Debt:

Debt Repayment Results 2014

Student Loans

Sallie Mae 1 (4.125%) – $30,099.89 —> $28,414.24

Sallie Mae 2 (4.25%) – $15,193.11 —> $14,927.70

Sallie Mae 3 (5.25%) – $2339.79 —> $1,867.70

University Loan (5.0%) – $1,458.94 —> $968.53

Total Student Loans – $49,091.73 —> $46,178.17

So we managed to take off nearly $3,000 from our student loans. Because the interest rates on them are so low, they aren’t a priority in our debt repayment plan. The $3,000 reduction has come exclusively from paying the minimum on each of these loans.

We were able to get the interest rates so low because we took advantage of every offer they gave when we first started paying them back – making on-time payments for a certain number of months in a row, and also allowing them to deduct from our bank account each month.

The first Sallie Mae loan belongs to me, and the rest belong to my wife. For the full story behind these numbers, be sure to read about how we got into student loan debt:

[See how Khaleef got into student loan debt, and how Sherrian racked up her student loans!]

Initially, we owed almost $65,000 on these loans, so I’m glad to see them go down.

Credit Cards

Credit Cards Frozen

Credit Card 1 (14.24%) – $2,063.56 —> $0

Credit Card 2 (10.74%) – $2,004.66 —> $0

Credit Card 3 (6.24%) – $2,922.19 —> $2,593.79

Credit Card 4 (14.99%) – $955.74 —> $0

Credit Card 5 (15.24%) – $829.04 —> $952.95

Credit Card 6 (9.24%) – $5,058.10 —> $4,368.04

Credit Card 7 (9.24%) – $5,261.17 —> $4,639.66

Credit Card 8 (18.24%) – $126.22 —> $274.46

Credit Card 9 (0%) – $562.69 —> $244.12

Credit Card 10 (20.24%) – $9,433.54 —> $8,318.15

Credit Card 11 (11.24%) – $6,617.21 —> $6,682.08

Credit Card 12 (0%) – $975 —> $0

Total Credit Card Debt – $36,809.12 —> $28,070.95

We were able to pay off nearly $8,800 in credit card debt in 2014. Since our total debt is more than my annual gross salary (and close to double my net), we are quite pleased by this amount!

As you can see, we were able to completely pay off 4 accounts – really 5, but we had to use card #9 for an emergency that my brother-in-law had near the end of the year (it will be paid off by the time you read this). We actually did a hybrid of the debt avalanche and the debt snowball, since we started the year with so many accounts and the bookkeeping for them became a real time killer.

Cards 5, 8, and 11 were used to carry various expenses on them and then plan was to pay them back as soon as the expense happened – although, I didn’t always keep track of that. This year, we are only using 1 card to make purchases and we will be sure to pay those amounts off at the end of each month.

Twelve Accounts???

Some of these are really old accounts that we had separately before we got married, and some of them came from one night where we applied for a number of cards that all had 0% balance transfer offers (long story). We wrote about how we got into credit card debt, so you can read all the details if you’d like. :-)

Personal Loans

Personal Loan 1 – $4,500; $3,100

Personal Loan 2 – $2,600; $2,600

Total Personal Loans – $7,100; $5,700

This is a huge category for us. We want to pay these family members back and even though we aren’t paying interest, these are a high priority. We actually “paid” the $1,400 by taking on an expense that they weren’t able to handle at the time.

Early on in our marriage we had to borrow money from two family members in order to handle emergencies that came up (which is why we are trying to build an emergency fund now). They never even bring it up to us, but we want to honor all of our debts, so these stay on the list!

We have already paid some of the first one listed, and we plan to pay these off sooner rather than later.

Our Total Debt

Grand Total – $93,000.85 —–> $79,949.12

Old Total – $105,000 8-O

Even though we didn’t pay off $20,000 in debt, we did manage to move from the 90s to the 70s! Owing $13,050 less than we did a year ago is a wonderful feeling. We are going to try even harder this year to pay off more of our debt, especially the high interest loans.

Since we began a sincere effort to become debt free a few years ago, we have paid off $25,000. Just imagine what we could have done with that money if we were debt free! :-?

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The Stress of Paying Back Student Loans, & How To Avoid It

February 24, 2015

College students, no matter what age they are, can feel the stress when it comes time to paying back college loans. College isn’t cheap, no matter where you go, and unless you have a full ride or some good scholarships (or maybe some savvy parents that saved up money for your college fund), you will […]

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Sweet Potato Spinach Quiche Recipe

February 19, 2015

I was thumbing through my Pinterest boards the other day, because I was feeling guilty for “pinning” things that I never follow up on, and a recipe called to me! Unfortunately, it was one of those pins that had 3 pictures that pretended they were instructions but no website to back it up. Anyways it […]

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How to Make Toothpaste: Homemade Remineralizing Recipe

February 11, 2015

For a long time I have wondered how to make toothpaste. After searching for a while, I came across a recipe that seemed simple enough to try! I have been making my own natural toothpaste for over a year now and I am really satisfied with the experience. I love knowing what I am putting […]

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Almond and Parmesan Tilapia Recipe

January 31, 2015

We invited a friend over for dinner the other night and I was picking my brain about what to make. I had two factors in mind: #1. Stick to something I make commonly that is reliably tasty and #2. Try to use something in the house since I wasn’t prepared for a shopping trip. There […]

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