Tuesday, April 20, 2010

Really want to focus on debt

I do...I really want to focus on debt; however, seems like the debt keeps growing lately with a new baby and everything.  At the same time, I feel like now is time to slow down the debt growth and make a serious plan to decrease the debt and eventually pay it off.

Since my husband's layoff a bit over a year ago we are finally becoming stable again.  He has been steady with his new job for a year this month!  Yay!  We are so happy with his new job.  He has great hours and doesn't work weekends.  It is less pay but you can't put a price on having your hubby at home!  Loving it!

With all this said...I started thinking this morning about my college loans and how high they are and the monthly payment we have to make on it.  Very high..too embarrassed to say but let me put it this way...it would be a nice car payment each month and we could have a new one with the amount. 

I am curious if anyone has any tips on refinancing a college loan?  Has anyone done this...can you do this even?  I know government runs these loans so they aren't so flexible.  I currently have 5.75% on my loan...would love even lower to really pay this thing down and see the potential to have it paid off in my lifetime.  :-)

Any responses: Drop them in the Comment Jar!

Have a great day!

Looking for Formula Coupons

My daughter is now 5 weeks old.  I stopped nursing, etc...last week.  I admire mothers who can nurse longer and more frequently than myself.  It is what is best for the baby, as well as, a huge money saver in two ways (that I can think of):  #1) obviously...not having to buy formula and bottles, etc... #2) overall health of the baby...staying out of the doctor's office for illness (at least I feel like it helps...my personal opinion)

With all that said...here I am...looking for ways to save on Formula.  We are using Similac Advance.  I have signed up for their "StrongMoms" program and receive the checks and coupons by mail.  I would like to know if there are any printable coupons out there in internetland for Similac when I am in between receiving my "StrongMoms" coupons.  We buy from BJ's and get a case of the Ready to Feed for $40.00 a case. 
If anyone out there has any other tips on the way you save on Formula (particularly Similac brand)...please drop me a comment or two in the Comment Jar below!  Thank you!

If you have any other advice on formula feeding or breastfeeding...do share...others enjoy reading and may need the advice as well!  :-)

Have a great day!

Monday, April 5, 2010

Spring time: Graduation/Housewarming/Weddings

I don't about you all out there; however, we have so many events to attend and buy gifts for over the next two to three months. I love personalized gifts that last a lifetime. Especially for that hard-to-buy-for person(s). I know two of my all time favorite gifts someone got for me was engraved and from Things Remembered! I got a marble apple with my name and year I started teaching. They got me that gift for Christmas the year I started teaching. I love that gift and it sits in my kitchen 8 years later and I have no intentions of moving it! :-)

I ran across the following deals with their site and am considering for gifts we need. We are also trying to figure out a gift for my doctor that delivered my beautiful little girl on March 15th (only a few weeks ago). I'm thinking a personalized frame of some kind for him with a drawing my husband is doing to put in it.

FREE Keepsake Box With Purchase of Select Ladies and Mens Jewelry! Shop Things Remembered Personalized Gifts!

They have even more items...just check out a link above and see what you find for that special someone. By the way...I find their pricing to be fabulous for such great gifts!

Have a terrific beautiful week!