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Kroger Free Friday Download: Premier Protein Bar or Crisp Bar

premier protein

Kroger customers, log into your Kroger account now to download a digital coupon good for one free Premier Protein Bar or Crisp Bar (2.5 oz or 1.83 oz)!

This Kroger eCoupon is only available for download today, February 28, 2014, but you’ll have until March 15, 2014 to redeem it.

Digital coupons and paper coupons may not be combined on the purchase of a single item.

Thanks, Freebie Finding Mom!

Natural Health magazine for $4.99 per year

Natural HealthRight now, you can use coupon code MONEYSAVING to subscribe to Natural Health Magazine for just $4.99 per year!

You can order up to 3 years at this price!Natural Health

This magazine is for people interested in alternative health, natural living, the mind-body-spirit connection and self-care. Topics include vitamins, fitness, herbs, foods that heal, home remedies, new products, recipes and prevention.

This offer expires on today (February 28th, 2014) at 11:59 PM EST.

(Note: The link in this post is my referral link. Read my disclosure policy here.)

How to Make the Shift From Two Incomes to One

How to Switch from Two Incomes to One

I work full-time and have a small child. My husband and I are thinking of taking a couple of months to live off of one salary, using the second salary to pay off debt, in the hopes to see if we can actually swing living off of one income. This is so exciting and something we have wanted for a long time. Do you have any tips for how to go from two incomes to one? -Jamie

How exciting, Jamie! Here are some thoughts I had:

Get on the Same Page With Your Spouse

If you and your husband are not on the same page financially, it’s going to be hard to really get much traction or to achieve your goal of successfully going from two incomes to one. So before you even attempt to make the transition, sit down and talk openly about where you are financially and where you want to go.

Don’t nag and drag your husband to go along with your plan; put your heads together and find a solution that is a win-win for both of you. This will most likely involve some give and take and compromise, but it will be so worth it.

Make a Game Plan

Once you’re on the same page, dream together about where you want to be a year from now and five years from now. I think your idea to live on one income for a period of time is fantastic!

Think realistically about what sacrifices and lifestyle changes will need to be made in order to make living on one income a possibility. If your plan is to be able to live on one income by this time next year, look at your budget, figure out what you need to cut, and how much you need to save and increase your income in order to make it happen. Having a specific number that you need to save each month will help motivate you to find creative ways to lower your spending and increase your income.

Create and Stick With a Budget

The best thing you can do for your family right now is to get on a written budget. Many times, people don’t have an income problem, they have a spending problem.

Before trying to significantly cut your income, make sure you are being very intentional in how you spend your money and know exactly what you need to make in order to survive. I highly recommend getting a copy of The Total Money Makeover by Dave Ramsey from your library. If you can afford it, I also heartily suggest looking into going through Financial Peace University.

Both of these resources will walk you through how to set up a budget and how to stick with it. And Dave will motivate you and inspire you to dream big, work hard, and get your finances in amazing shape.

Pay Off Your Debt

Make paying off your debt one of your top priorities right now. This will probably mean some significant sacrifices in the short-term — working more hours and living on as little as possible — but the long-term benefits will be amazing.

Figure out how much you have left to pay off, set a realistic time frame for paying it off, and then divide the amount by the time frame to come up with the specific number you need to be paying off each month and week in order to hit your goal. When you break your goals down into bite-sized pieces like this, it makes them much more doable. And it also will motivate you to keep making short-term sacrifices for the long-term benefits.

What advice and suggestions do the rest of you have for Jamie?

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Jane.com: Mini Bubble Necklaces for just $8 shipped!

bubble

Jane.com has these cute Mini Bubble Necklaces on sale for just $4.99. Shipping is just $2.99 for your first item, so your total cost is only about $8! Each additional item ships for just $0.99 more.

These are the mini version of the popular bubble necklaces, so they’re perfect for both adults and children.

bubble

Once the Jane.com site loads, scroll almost to the bottom to find these Mini Bubble Necklaces for just $8 shipped! Quantities are limited, so act fast.

Thanks, My Frugal Adventures!

This post may contain affiliate links. Read my disclosure policy here.