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Shared Jan 17, 2014 comment

12 Months to a Healthier You Check-in: Week 3 (the week I completely BOMB the challenge!)

Published: by Crystal Paine on January 17, 2014 | This post may contain affiliate links. Read my disclosure policy here.

12-Months-to-a-Healthier-You

Are you joining us for the 12 Months to a Healthier You Challenge? If so, it’s Friday and guess what that means? It’s time for our weekly check-in to post our progress.

January’s Challenge:

We’re focusing on developing the habit of exercising more in January. I encourage you to set a simple and doable goal for exercise and to stick with it.

If you haven’t set your January Exercise Goal yet, be sure to do so and then leave a comment on this post telling us what your goal is. New to this challenge? Read more details on the plan for this year here.

My Exercise Goal for January

My goal for January is to consistently exercise at least 5 times per week. I plan to follow the P90X workout schedule except for the days when I’m traveling/out of town. On those days, I plan to stick with cardio/running.

This Week’s Progress:

You may have noticed that I’ve been absent from here this week. That’s because I had a bit of a crazy week… one that didn’t allow time for blogging or exercise.

I spent most of the week doing interviews and media meetings in NYC (I’m posting a recap in a bit for those who are interested in getting a peek into my week). So I pretty much bombed my exercise plans.

Unless the one mile I ran on the treadmill or all the walking I did in NYC counts. Other than that, I did zero exercise. But I’m going to give myself grace… and get back up on the bandwagon again tomorrow. 🙂 And hopefully I’ll have a much more positive report to share next week.

How Are YOU Doing?

Leave a comment telling us how you did on your exercise goals this past week. If you’re blogging about this challenge, leave the direct link to your blog post about the challenge below.

Are you on social media? You can also share your progress on Instagram, Facebook, Pinterest, or Twitter by using hashtag #12MonthstoaHealthierYou.

Shared Jan 17, 2014 comment

Gretchen’s $50 Grocery Shopping Trip and Weekly Menu Plan

Published: by Crystal Paine on January 17, 2014 | This post may contain affiliate links. Read my disclosure policy here.

This week, I shopped on a different side of town than I normally do. There are a couple of different health food stores right next to each other. Just for fun, and because I had some extra grocery money to spend, I stopped in to both and bought a few things. Here’s what I got:

Natural Grocers

1.64 lbs Organic Broccoli @ $1.99/lb – $3.26 (This much will last us for a couple weeks.)

1 Organic Cucumber – $2.15 (This is CRAZY expensive compared to what I normally pay, but these cucumbers were so big and looked so amazing that I just wanted to try one and see if it tasted a lot better than the ones I normally buy.)

1 bag Organic Chopped Dates – $2.57

1 bag Unsweetened Banana Chips – $1.52

1 bag Organic Whole Wheat Tortillas – $2.99

Total with tax ($0.89): $13.38

The Fresh Market

2.99 lbs Navel Oranges @ $0.98/lb – $2.93 (These oranges are HUGE and I’m excited to try them.)

1 gallon hormone-free Milk – $2.99

Total with tax ($0.42): $6.34

Aldi

1 pack Zucchini – $1.59

1 Pure Maple Syrup – $3.99

1 pack Mushrooms – $1.49

1 pack Roma Tomatoes – $1.29

1 Pineapple – $1.29

1 Cauliflower – $1.69

1 dozen Eggs – $1.59

2 packages Cheese – $1.79 each

4 Avocadoes – $0.29 each

Total with tax: $18.93

Dillons

1 Yopa! Greek Yogurt – $1.29, Used Free e-coupon (no longer available) – Free after coupon

1 Kroger Natural Peanut Butter – $1.88

1 Kroger Hashbrowns – $1.99

1 Hormel Turkey Lunchmeat – $3, used $0.50/1 coupon from the 1/5 SmartSource insert – $2.50 after coupon

1 lb Laura’s Lean Beef – Marked down to $2.99, used $1/1 e-coupon (no longer available) – $1.99 after coupon

2 Plum Baby Food – Marked down to $0.29 each, used 2 $0.50/1 mailer coupons – Free plus overage after coupons

1 Romaine Lettuce – $1.49

1 Green Pepper – $0.75

Total before coupons and sales: $20.71

Total with tax ($0.84) after coupons and sales: $11.02

Total for all grocery items: $49.67

Menu Plan for this Week:

Breakfasts

Homemade Granola, Cereal, Banana Pancakes, Fruit Smoothies

Lunches

Fruit/Veggies/Cheese, Tossed Salad, Leftovers, Baked Potatoes, Cheese Quesadillas

Dinners

Cheesy Hashbrown Casserole, Eggs

Meat & Veggie Stir-Fry, Biscuits

Apple Turkey Picadillo, Tossed Salad

Homemade Chicken & Noodles, Peach Cobbler (with the peaches with picked and canned last fall)

Meatballs (with ground venison), Steamed Broccoli, Homemade Whole Wheat Bread

Pizza Pockets, Tossed Salad

Out to eat

Shared Jan 17, 2014 comment

The Beauty of Being Authentic

Published: by Crystal Paine on January 17, 2014 | This post may contain affiliate links. Read my disclosure policy here.

I saw her pictures online of the amazing celebration she hosted for a large group of people. And I immediately wondered, “How on earth does she do it?”

I knew how much she had going on in her life so I just didn’t see how she could pull it off. How does she juggle so many things, have her own business, have more children than me, host these amazing parties, and do it all so effortlessly?

The thoughts of comparison and me not measuring up began swirling in my brain. But then she confided, “You know I was a mess last week? I was so frustrated and stressed. I wanted to run away from all the to-do’s I had to do. I was upset at my kids. And just plain overwhelmed with life.”

Folks, it’s never as perfect as it may seem. No one has it altogether. Superwoman doesn’t have a clone. And no matter how incredible some woman may look or how gifted she is or how thin she is, she has struggles just like you and me.

Don’t look at another woman and feel like you don’t measure up. You are YOU, not her. Even if she looks like she has it altogether, I promise she has struggles that just might not be showing outwardly right now.

Life is messy, our dreams don’t always pan out, our hopes are sometimes dashed, and we often falter and fail. Don’t try to be someone you’re not. Don’t hide behind a facade hoping that if you look more impressive people will like you.

There is beauty in being our real authentic selves. Because it’s only when we are our true selves, that others can love us for who we really are — messes, struggles, and all.

In my new book, Say Goodbye to Survival Mode, I share vulnerably about my own struggle to find safe friends and how being willing to be authentic with others changed my life. If this is something you struggle with, too, I think you’ll be encouraged to read about my journey. You can pre-order your copy here, if you haven’t done so already.

Shared Jan 17, 2014 comment

Gretchen’s CVS Shopping Trip: Spent $16.26 for $43 worth of products!

Published: by Crystal Paine on January 17, 2014 | This post may contain affiliate links. Read my disclosure policy here.

CVS Shopping Trip

3 Pampers Diapers – $8.99 each
1 Pampers Wipes – $2.99
Buy $30 in select baby items, Get $10 ECBs
Used $0.50/1 Pampers Wipes printable
Used 3 $1.50/1 Pampers Diapers printable

1 Baby Ruth Candy Bar – $0.79 (Buy 1, Get $0.79 ECBs)

Used $12 ECBs from previous shopping trip

Total before coupons, sales and ECBs: $43.16

Total with tax ($2.51) after coupons, sales and ECBs: $16.26, Plus received $10.79 ECBs back

Shared Jan 16, 2014 comment

Download a free chapter from my new book, Say Goodbye to Survival Mode!

Published: by Crystal Paine on January 16, 2014 | This post may contain affiliate links. Read my disclosure policy here.

My book, Say Goodbye to Survival Mode, comes out on Tuesday (January 21, 2014)! I am SO excited and can’t wait for you to have a copy in your hands!

If you haven’t ordered your copy yet and want a sneak peek at the contents of the book, you can download a free chapter here. In this chapter, I share:

A little background on why I wrote this book
My own personal spiral to hitting rock bottom
The words my husband said when I was in the pit of despair that changed my life
Why I stopped using my personal Facebook profile
The importance of creating a Personal Priorities List
The four C’s to creating margin

To read the introduction and Chapter 1 of Say Goodbye to Survival Mode, click here. If you’re struggling with feeling exhausted and overwhelmed with too many to-do’s, I think you’ll be blessed by it.

Here’s what a reader wrote in about the free chapter a few days ago:

I just read the sample chapter from your new book and I’m not exaggerating when I say it was like I was reading about my own life word for word. I am getting on Amazon to pre-order this now. I really hope that this can help me get back on track!

Slowly but surely, I keep falling further behind. I am a mother to three children, work 30 hours a week outside the home, and my husband is in the marine corps with little to no time at home to help. I feel like I am living in survival mode now just struggling to complete what we need for the next day. Over time, I’ve somehow forgotten who I am.

My daughter asks me what some of my favorite things are and I cannot even answer them anymore. But how can I find myself when I can’t even find my car keys half the time?

Anyway, I am really looking forward to reading your book and trying to find some ways to simplify my life. Thanks for all your help!

If you haven’t ordered your copy of Say Goodbye to Survival Mode yet, you can pre-order your copy on Amazon or through many other retailers here.

WANT TO SAVE $100 FAST?!Join the FREE 14-Day Savings Challenge!

Click here to sign up!

Shared Jan 15, 2014 comment

Gretchen’s Target Shopping Trip: $10.66 worth of product for $3.82

Published: by Crystal Paine on January 15, 2014 | This post may contain affiliate links. Read my disclosure policy here.

Target Shopping Trip

4 Market Pantry Pasta Sauce – $1 each, used 2 $1/2 Target printable – $0.50 each after coupons

2 Up & Up Floss – Marked down to $0.73, used 2 $1/1 Target printable – Free plus overage after coupons

1 Organic Carrots – $1.09, used $1/1 Target mobile coupon – $0.09 after coupon

2.12 lbs Organic Bananas @ $0.82/lb – $1.74, used $1/1 Target mobile coupon – $0.74 after coupon

3 Market Pantry Canned Vegetables – $0.79 each, used $0.75/2 Target printable AND 5% off Cartwheel coupon – $0.51 each after coupons

Total before sales and coupons: $10.66

Total after sales and coupons: $3.82

Shared Jan 14, 2014 comment

Get your FREE 40-page Say Goodbye to Survival Mode Printable Packet!

Published: by Crystal Paine on January 14, 2014 | This post may contain affiliate links. Read my disclosure policy here.

The launch of my new book, Say Goodbye to Survival Mode is just a week away! Can you believe it?!

I am so excited to share this message with you and cannot wait until each of you have a chance to get this book in your hands. I think you’re going to LOVE it!

In order to celebrate, we’ve put together a huge packet of free printables. The Say Goodbye to Survival Mode Printable Packet is an updated collection of some of the best of my home management printables.

The packet is over 40 pages and includes the following printables:

menu planning printables
shopping list printables
house cleaning checklists
a printable daily docket to help you keep your home and life in order
printable 2014 monthly calendar pages
and more!

To get the FREE printable packet, follow these steps:

Step 1: Share about the book with your friends and family on social media. You can use Facebook, Twitter, Pinterest, or your blog—whatever is easiest!

Option #1: Post on Facebook.

Post about Say Goodbye to Survival Mode on Facebook. Click here to share this post on Facebook.

Option #2: Post on Pinterest.

Post about Say Goodbye to Survival Mode on Pinterest. Click here to repin this pin on Pinterest.

Option #3: Post on Twitter.

Post about Say Goodbye to Survival Mode on Twitter. Click here to retweet this tweet on Twitter.

Option #4: Post About the Book on Your Blog.

If you have a blog, you can write a post about Say Goodbye to Survival Mode. To help with your post, you can get more information about the book and even read the first chapter.

Step 2: Fill out the form at the bottom of this post to get your FREE printable packet.

Fill out the form below to get your free Printables Packet!

Shared Jan 13, 2014 comment

Good Morning America Meets Money Saving Mom

Published: by Crystal Paine on January 13, 2014 | This post may contain affiliate links. Read my disclosure policy here.

This morning, Crystal was on Good Morning America talking about Pinterest Money Saving Tips.

It was super exciting and a great way to kick off the week! In case you missed it, here’s the clip from earlier today.

Your support and enthusiasm means everything!

Thank you,

Joy G. from the Money Saving Mom® Team

Shared Jan 13, 2014 comment

My Money-Saving Pinterest Tips on Good Morning America

Published: by Crystal Paine on January 13, 2014 | This post may contain affiliate links. Read my disclosure policy here.

This past weekend, I had the amazing opportunity to film a segment with Good Morning America! (It airs at 8:35 a.m. your local time this morning.)

I talked about how we use ideas I find on Pinterest to save hundreds of dollars a year. If you’re not following me on Pinterest, I’d love to have you check out my Freezer Cooking board, my Money-Saving Ideas board, and my Do It Yourself Board.

This was one of my first times to ever do something like this and it was a great experience. I’m so thankful for all of your support and encouragement on Facebook the last few days. It means so much!

Shared Jan 13, 2014 comment

Is Frugality Really Worth It?

Published: by Crystal Paine on January 13, 2014 | This post may contain affiliate links. Read my disclosure policy here.

Recently, someone emailed in and asked if I died tomorrow would I regret the frugal choices I’ve made?

It was an excellent question and one that gave my husband and I pause — and produced a great discussion for us as a couple. Both of our answers were a resounding “No. We would absolutely not regret the frugal choices we’ve made.”

While we’ve made plenty of mistakes individually and as a family, we have zero regrets that we’ve chosen to live beneath our means, make sacrifices, delay purchases until we can pay cash for them, and live on a strict written budget.

To some people, not getting what you want right away or doing without might seem like a miserable existence. But truthfully, we’ve found it to be just the opposite: we live very fulfilled lives and we wake up excited about each day.

However, we both believe that the reason we feel fulfilled and passionate about life — even though we’ve made counter-cultural choices that some would balk at — is because frugality is a means to an end for us. If we were just frugal for being frugal’s sake, we’d likely quickly burn out or give up.

It’s not about saving money so we can continuously upgrade our lifestyle and always be buying bigger and better things. We want to live beneath our means so that we are able to give generously to others.

There’s a world of need around us. The more we steward our money well, the more abundance we will have to meet those needs. The more we save, the more we have to give.

Your efforts and my efforts might seem like a drop in the bucket when compared with all of the need that’s out there. But collectively, we can make a huge impact.

Let’s live simply so that others can simply live. Because truly, there is nothing more fulfilling than living a life with outstretched arms.

photo credit; photo credit

reposted from the archives

OVER-SPENDING EVERY SINGLE MONTH?Grab these FREE Budgeting Sheets!

Click here to download!

Shared Jan 12, 2014 comment

Say Goodbye to Survival Mode Challenge: Day 6 (Find an Accountability Partner)

Published: by Crystal Paine on January 12, 2014 | This post may contain affiliate links. Read my disclosure policy here.

Welcome to the 7-Day Say Goodbye to Survival Mode Challenge. Each day this week, I’ll be blogging through the 7-Day Challenge. If you’ve not signed up yet, enter your name and email in the orange sign-up box at the top of the page here and you’ll get the daily emails and challenge in your inbox.

Why You Need an Accountability Partner

If you want to be successful at anything in life, having an accountability partner will highly motivate you and keep you inspired when you don’t want to stick with it.

You can’t build good habits and discipline in life alone. Well, you can, but I guarantee you it will be a lot harder to keep at it if you don’t have anyone encouraging you along the way.

Whenever I run by myself, I’ve found that I tend to go easier on myself and stop earlier than I planned. If my side starts hurting or I have a long to-do list, I use that as an excuse for a short run. However, when I run with someone else, I’m always motivated to push a little harder, go a little faster, and not give up when I feel winded and tired.

It’s the same with life: when you feel like you’re going it alone, it’s harder to keep on when the going gets rough. But when you have others around you who are encouraging you, checking up on you, or texting you to make sure you’re following through with your morning run, you’re much more apt to actually stick with your goals.

How to Find An Accountability Partner

You might be thinking, “I wish I had an accountability partner, but I don’t even know where to find one.” Well, it might not be as hard as you think. Start with your local friends and family and see if anyone would like to join you in keeping each other accountable to one specific goal on a regular basis.

If you can’t find anyone locally, ask friends on Facebook, Twitter, your blog, or other online groups you’re a part of. Or, search and see if there’s already an online support group of some sort (such as the Good Morning Girls or Hello Mornings Challenge, if you’re working on getting up early).

This Weekend’s Challenge

You can’t live a purposeful life on your own. Find a friend who is willing to keep you on task.

Contact them by email or phone today and present your proposal. If they accept, schedule a start date for regular check-ins, whether online, in person, or over the phone. Share ideas on how to practically engage in an accountability relationship.

No more excuses! It’s time to hold yourself accountable!

Your Turn: Who is your accountability partner? If you don’t have one already, think about who you are going to ask today to become your accountability partner.

Shared Jan 11, 2014 comment

A peek at my handwork projects this week

Published: by Crystal Paine on January 11, 2014 | This post may contain affiliate links. Read my disclosure policy here.

I’ve been having so much fun doing more handwork recently!

I’ve been working a little on an embroidery block for my sister’s baby quilt. My mom always makes a baby quilt for each of her grandchildren when they are born, and I sometimes help with a few blocks.

I took this Simple HeadWrap project idea and changed it up a little to make an ear warmer to replace mine that has gone missing.

I still want to make the Simple HeadWrap exactly as the pattern states and hope to do that soon. I’m really happy with how the ear warmer turned out and it’s going to come in handy during these cold days we’ve been having!

I also completed another dishcloth.

This pattern is so easy to make and since I’ve gotten quicker at knitting, I can finish one of these in a few days — just in the little snippets of time and as we’re reading the Bible together as a family in the evenings.

And finally, this cup cozy is my favorite project of the week. I took this DIY Cup Cozy Pattern and changed it up a bit. I’m not completely happy with the buttons and botton-holes.

So I’m working on perfecting that with a second cup cozy project and will hopefully show that to you in next week’s handwork post.

(And I also want to actually follow the DIY Cup Cozy pattern exactly as written — but I fear I’m starting to follow knitting patterns about as successfully as I follow recipes… or don’t follow them! :))

Did you complete any handwork projects this week? If so, I’d love to hear about your projects. And if you blogged about them, leave your links in the comments.

Shared Jan 11, 2014 comment

6 Places to Find Discounts on Counseling

Published: by Crystal Paine on January 11, 2014 | This post may contain affiliate links. Read my disclosure policy here.

Guest post from Jessica of Homemaking Through the Church Year

If there’s anything sure beside death and taxes, it’s life itself. Life goes on despite tragedy and misfortune, and so ordinary people find themselves in need of counseling in order to deal with life’s bumps and bruises — and such help usually comes with an expensive price tag.

However, counseling doesn’t necessarily need to be a budget breaker.

Tough economic times might prompt people to deal with common stressors (depression, divorce, or parenting difficulties) on their own, but the truth is that counseling sessions don’t have to cost half as much as your weekly grocery bill.

If you find yourself in the market for expert assistance in psychological matters, consider these resources for finding top-notch care without paying top-of-the-line prices.

1. Your insurance.

Some health insurance plans cover psychotherapy as such, but even if yours doesn’t, make an appointment with your primary care physician. He or she can either refer you, or possibly offer some treatment themselves.

(If the psychological problem is treatable with medication, some physicians are comfortable prescribing it. This is completely dependent on your situation, of course, but it’s worth making an appointment in order to find out.)

2. Your HR department.

You may be allowed to set aside part of your salary, pre-tax, to pay for counseling sessions. Check with your human resources department for more information.

3. Local colleges or universities.

Institutes of higher education with counselor-training programs often offer counseling at a reduced price so that their students can learn their trade. Don’t worry about receiving inexpert help: in clinical psychology programs, quality control is assured by overseeing doctors who are licensed and experienced.

4. For-Profit counseling centers in your area.

Don’t dismiss an expensive-looking clinic right away. Many clinics have sliding scales based on income, and if you qualify, you can get $100 an hour help at a much cheaper price. Make sure you call around too as prices vary by clinic.

5. Community clinics.

On top of regular, for-profit counseling centers, many communities have counseling centers clinics that are intentionally set up for low-cost care. Straight Talk in the Los Angeles area is just one example of such an institution. To find such a clinic in your area, check:

Your city hall — Local governments often list such resources on their websites.
Your local hospital — Hospitals also often have resource referral lists.
Google — of course!

6. A local church.

Pastors regularly provide counseling for couples with marital difficulties or parents who need a little guidance.

It takes a bit of legwork, but help for mental health issues doesn’t have to be an impossible dream — and the benefits can greatly outweigh the up-front expenses.

Have you found any other ways to save on counseling?

Jessica Snell is a mom of four who makes her home in sunny Southern California. She loves celebrating the traditional Christian feasts and fasts, and helping others do the same! She’s the editor of “Let Us Keep the Feast”, and blogs at Homemaking Through the Church Year.

Shared Jan 10, 2014 comment

Change Your Attitude and You’ll Change Your Life

Published: by Crystal Paine on January 10, 2014 | This post may contain affiliate links. Read my disclosure policy here.

Someone asked me the other day, “If you’re feeling overwhelmed and discouraged by everything in your life, what is the one of the most important things you can do to change your life?”

I thought of a lot of different practical things I could encourage someone to do, but at the heart of your success in anything in life is your attitude. If you have a can-do, creative, committed attitude, you’ll go far in life. If you have a can’t do, won’t do, too hard, whiny attitude, you’ll probably never go anywhere.

Change your attitude and you’ll change your life. This goes either way. You can choose to look at a situation with positivity or negativity.

The choice is yours. But your choice will have a ripple effect.

For instance, when Jesse started law school and we committed to stay out of debt during his three years of law school, I won’t pretend that it was an easy choice. Because it wasn’t.

We knew that the road ahead of us was going to be rocky and rough. We have a choice to feel discouraged and disheartened or we could approach it with all the courage and heart we could muster up (with God’s help).

We chose the latter, seeing the law school journey as an opportunity to learn, to make short-term sacrifices, to get wildly creative, and to look for the blessings along the way.

There were many days when it wasn’t easy. There were many set backs, curve balls, and disappointments. But we kept choosing to make the most of the experience. To do the best we could with the time and resources we had.

Looking back, every single one of those years of struggle and working so hard to try to make ends meet was worth it. Oh so worth it!

If we hadn’t struggled financially, I wouldn’t have been highly motivated to learn how to pinch every penny.
If we didn’t have to worry about how we were going to afford groceries, I probably would have never taken the time to learn how to play the Drugstore Game.
If we hadn’t wondered how we were going to pay our rent and utility bills, I doubt I would have never spent hours and hours and hours of time trying to figure out how to make money online.

And it’s because of those lessons, that I started this blog. Writing books, speaking, growing as a person, and meeting so many, many dear people who are a part of the MoneySavingMom.com community… none of this would have happened without those lean law school years.

When the road ahead of you looks bleak, don’t give up.

When it feels impossible, keep going.

When you want to throw in the towel, hang on.

You never know what the struggles and difficulties you are going through might be preparing you for in your future. Don’t lose heart!

Shared Jan 10, 2014 comment

12 Months to a Healthier You: Week 2 Check-In

Published: by Crystal Paine on January 10, 2014 | This post may contain affiliate links. Read my disclosure policy here.

12-Months-to-a-Healthier-You

Are you joining us for the 12 Months to a Healthier You Challenge? If so, it’s Friday and guess what that means? It’s time for our weekly check-in to post our progress.

January’s Challenge:

We’re focusing on developing the habit of exercising more in January. I encourage you to set a simple and doable goal for exercise and to stick with it.

12 Months to a Healthier You

My Exercise Goal for January

My goal for January is to consistently exercise at least 5 times per week. I plan to follow the P90X workout schedule except for the days when I’m traveling/out of town. On those days, I plan to stick with cardio/running.

This Week’s Progress:

It’s Week 2 of P90X and I’m still loving it. Although I have to admit that I was happy when my rest day rolled around on the schedule. But then I missed exercising and was excited to get back to it the next day.

I’m already seeing more muscle definition and toning… and I’ve only been at this for a 10 days. So that’s truly encouraging! Plus, I really can tell a difference in my energy levels! Yay!

How Are YOU Doing?

Leave a comment telling us how you did on your exercise goals this past week. If you’re blogging about this challenge, leave the direct link to your blog post about the challenge below.

Are you on social media? You can also share your progress on Instagram, Facebook, Pinterest, or Twitter by using hashtag #12MonthstoaHealthierYou.

Summer Bucket List

Summer Bucket List

FREE Summer Bucket List!!

January’s Challenge:

My Exercise Goal for January

This Week’s Progress:

How Are YOU Doing?

Natural Grocers

The Fresh Market

Aldi

Dillons

Menu Plan for this Week:

Breakfasts

Lunches

Dinners

CVS Shopping Trip

WANT TO SAVE $100 FAST?!Join the FREE 14-Day Savings Challenge!

Target Shopping Trip

OVER-SPENDING EVERY SINGLE MONTH?Grab these FREE Budgeting Sheets!

Why You Need an Accountability Partner

How to Find An Accountability Partner

This Weekend’s Challenge

1. Your insurance.

2. Your HR department.

3. Local colleges or universities.

4. For-Profit counseling centers in your area.

5. Community clinics.

6. A local church.

Have you found any other ways to save on counseling?

January’s Challenge:

My Exercise Goal for January

This Week’s Progress:

How Are YOU Doing?

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