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Thrifty Thursday: My Debt Story

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Thrifty Thursday

Parts of this post originally ran as a guest post on another blog.  After reading my survey, I realized many of you haven’t read it.

Imagine two young in love newlyweds. Now imagine those newlyweds moving 5 hours from any family. Next assume those two newlyweds have entry level jobs as a teacher and survey assistant. Now you know where I was in fall of 2002: the year hubby and I started the dive into major debt.

Our first mistake: what I liked to call my “pretty Jetta”.  We bought a brand new car literally one month after I started my teaching job.  We had tons of money now right? 

Our second mistake: I got a new car, why shouldn’t hubby have a new motorcycle?  Yes, we had two car payments and a motorcycle payment. Between that and our condo rent, we started living paycheck to paycheck.

In the fall of 2003, I was accepted to graduate school, and hubby started going to get a second associates degree. Sure, our jobs paid for some of the tuition, but what about the rest of the tuition, books, gas, and meals eaten on the go? Welcome Citibank into the picture.

Now I am not sure how someone can go from no credit card debt to five figures of debt in a about year, but we somehow managed it. Not only did we manage it, somehow during all this we got approved for a mortgage on our first home in the spring of 2004. School expenses, house remodeling, credit card bills and traveling to visit family once a month. You can see where this is going…

By the summer of 2005 when we both graduated, we were $XX,XXX in debt! I am sorry. I just can’t stand to fill in those X’s. It is too embarrassing still for me. The worst part of all was that Citibank kept raising our interest rates, although we were paying on time and more than the minimum. This went on for over a year, and instead of shrinking, our debt kept growing.

We felt hopeless.  We had to do something.

That was when someone introduced me to the Grocery Game. I started saving quarters and dimes using coupons. Then my savings grew. Before I knew it, I had a stockpile, and we were no longer living paycheck to paycheck.

We still had the Citi problem, so we transferred our HUGE debt to a low fixed rate personal loan with no collateral (I know Dave Ramsey would cringe, but it has really worked for us). Then we started to pay. We would save on groceries and pay the loan. Saving, Paying, Saving, Paying.

I quit the Grocery Game over 2 years ago, and I now do my own coupon matchups to save money. But the principles of couponing and the message of being frugal I learned stayed with me.  I will be the first to admit, we still make money mistakes. We have gone on vacations we shouldn’t have, and we have blown money on silly things we shouldn’t have. And I have another new vehicle. If we had really buckled down, we would probably be debt free by now, but my message to you is that there is hope for those of you in this situation!

In the last three years, we have reduced our non-mortgage debt by about seventy five percent!  Within a year and maybe sooner, we will no longer owe a balance on the personal loan. Next we will be working on paying off our house and my car. I have learned so much about how to be a better wife, steward, and teacher along this path. God works in mysterious ways, doesn’t he?

Do you have a Thrifty idea? Did you save a ton of money this week?  Do you have a Thrifty deal you want to share?

If so, please leave a comment or link up below!

If possible, please leave a link back to Coupon Teacher so that we can all share ideas.

This is linked to Life as Mom, Stockpiling Moms, and Madame Deals.



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Thrifty Thursday: A Guest Post

Thrifty Thursday

Leslie, the publisher of Crunchy Betty, is an avid blogger of all things homemade beauty and household. From the quirky town of Manitou Springs, CO, she writes about freeing yourself from chemical attachment by learning how to make your own skincare recipes and home cleaners, as well as organic living, and a lot of humor thrown in. Do you have food on your face? You should!

Crunchy Betty’s Top 10 Thriftiest Homemade Beauty and Household Tips

We’re all here to be a bit more thrifty, and let me tell you, making your own skincare/haircare and household products is one of the thriftiest things you can do. And it’s easier than you think! I’ve put together my absolute favorite 10 household and beauty tips for you here at CouponTeacher. I have tons of other recipes and ideas at Crunchy Betty, but I wanted to give you the best of the thriftiest best here. Do you have any to add?

Use ALL your lemon. There are so many things to do with the lemon you have left after juicing, so don’t just chuck it in the garbage disposal! You can sprinkle salt on it and use it to clean your stove or your cutting board. Or rub it over your face for a quick oil-removing, toning mask (just don’t forget to rinse it off after 10 minutes, as it does lighten the skin if left on for too long). And my favorite thrifty tip with lemons: Hull out the meat of half a lemon, fill the rind with sea salt, and tuck it in a musty or stinky area of the house – like near the litterbox – for instant, green, nontoxic air freshening! You can leave it there for up to 3 months.

Don’t toss the tops of strawberries! After you’ve cut off the tops of strawberries, you know how there’s still a little flesh stuck to the leaves? Run that flesh over your teeth – scrub it in – and it acts as a very effective tooth whitener. Just let the juice sit on your teeth for a minute or two, and then swish down with water. Or, if you happen to have a clean, makeup-less face at the moment, run the flesh all over your face for a quick and easy fruit mask. Allow the juice to sit for 10-15 minutes, and then rinse off with warm water. Strawberries help eradicate pimples, lighten dark spots, and give you a super-dose of antioxidants (which also work as anti-wrinkle agents).

Stop buying facial scrubs and make your own. One of the most cost-effective and beautifying things you can do, right now, is to stop buying facial scrubs and make your own. Here’s a thrifty, long-lasting scrub that works with any skin type: 1/2 c. finely ground oats, 1/2 c. finely ground raw almonds, 2 Tbsp. fine sea salt, and 2 Tbsp finely ground dried lavender. Mix it all together and keep it in a small jar in your bathroom (it keeps for 6 months or more). To use: Put approximately 2 tsp in your hand and add a small bit of water, witch hazel (for oily skin) or milk (for dry skin) until you have a watery paste. Scrub your skin with it for two minutes and then rinse off. Finish with toner or moisturizer – or just rinse and be done!

Break out the baking soda – it does a million thrifty things! All thrifty kitchens should be stocked, and stocked well, with baking soda. There are hundreds upon hundreds of things you could do with it, but here are some of my favorites:

  • Use it as a facial exfoliator with just a slight bit of water. Make a paste and then gently rub in circular motions over a clean face. It clears off the layer of dead skin to reveal vibrant, soft skin underneath.
  • Treat heartburn quickly and effectively with baking soda: Just put 1 tsp of baking soda in a glass of water and drink up. It neutralizes the acids on contact.
  • Get rid of warts by sprinkling baking soda over the affected area and then pouring a few drops of white vinegar on top. Do this every morning and night, until the wart is gone.
  • Clean your sink quickly and frugally by sprinkling a bit of baking soda over it and wiping it down with a damp sponge.
  • Stop paying more for deodorizing cat litter! Just add 1/4 c. of baking soda to Fluffy’s litterbox, and you’ve saved money (and freshened your home).

Use plain white vinegar in the dishwasher rinse well. No need to buy Jet-Dry or anything like it – you can get the exact same results just by pouring white vinegar in your dishwasher rinse well. You could even add a few drops of lemon essential oil to the mix, if you want fresh-smelling, extra shiny dishes.

“Shampoo” your hair with cornstarch. Once or twice a week, skip shampooing in the shower and opt for a “dry shampoo.” Just rub a tablespoon or two of cornstarch over your dry scalp, and brush it out briskly. Cleans oil and grime off your hair and leaves it fresh and looking “just-washed!”

Use olive oil instead of chemical-packed eye makeup remover. If you have olive oil in your kitchen, there’s no need to keep buying makeup remover just for your eyes. Simply pour a few drops onto a cotton ball and swipe gently over your eyes a time or two (you might want a cotton ball for each eye). Cleans the makeup like a breeze, and offers extra amazing moisturizing properties!

Kick the dryer-sheet habit. Dryer sheets are expensive and terrible for the environment. Cut an old pillowcase into strips, put them in a lidded container and soak them in white vinegar. Use these strips just as you would dryer sheets. It totally kills the static and is reusable! Just toss the strips back into the vinegar as they’re dry. I keep two containers in my house – one with vinegar next to the dryer and one empty one in the bedroom, so I can easily sort out the dryer sheets as I’m folding clothes.

Extend the life of your shampoo with an herbal infusion. Shampoos are traditionally more potent than our hair actually needs, so they have a tendency to strip natural oils and overdry hair (which then leads us to buy more product to fix it). You can extend the life of your shampoo by half just by adding a homemade herbal infusion. Simply steep 2 Tbsp of the herb of your choice (chamomile and green tea are great for blonde hair, black tea and cloves are good for brunettes, and hibiscus or orange pekoe tea are good for redheads) in 1 c. boiling water for 20 minutes. Strain and add to 1/2 bottle of shampoo. Shake well. Use as you normally would.

Make a salt scrub for your hands and save on lotion! All winter long, I like to keep a small jar of salt scrub next to the sink. Whenever my hands feel dry, I simply use the scrub and they’re glowing and soft in minutes! One scrub treatment will typically keep my hands moisturized and soft for nearly a week. Combine 1/2 c. fine sea salt with 1/4 c. + 2 Tbsp. olive oil. Scoop out a small amount and scrub your hands with it for 2 minutes. Rinse the salt off, but leave the oil on. Continue to massage the oil into your hands. Beautiful!

These are just a few really thrifty tips that you can do at home – right now – with things you probably already have in your kitchen. Healthy, eco-conscious, and – best of all – VERY inexpensive.
Do you have any homemade tips and tricks you use to save money – for your house or for your skin?

A Note From Coupon Teacher, “I can’t wait to try some of these when I have time.  A big thanks to Crunchy Betty for literally saving Thrifty Thursday today!”

Do you have a Thrifty idea? Did you save a ton of money this week?  Do you have a Thrifty deal you want to share?

If so, please leave a comment or link up below!

If possible, please leave a link back to Coupon Teacher so that we can all share ideas.

This is linked to Life as Mom and Madame Deals.



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I disclose: This post may include affiliate links.

Thrifty Thursday: My Bad Habits

 

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I felt like having a little fun today, since I am heading back to school.  Here are my top 10 bad habits or secrets that are NOT thrifty.

  1. Eating out. We try to make this as Thrifty as possible, but we still spend way too much money at it.
  2. I have a relatively new car that we bought new (2009). The payment is medium in my book, but being able to travel to WV without fear of a breakdown is priceless.
  3. I was getting my haircut at a fancy spa.  I changed that this month and was happy with the result, so hopefully I won’t be able to say this soon.
  4. I forget to turn off lights sometimes.  I have really been working on this one, but it is a hard habit to break.  If I don’t pay close attention, I will be home alone with every light in the house on.
  5. I file my coupons by insert. I know that I would save a little more money using a coupon binder, but I like to think that I am being thrifty with my time.
  6. I buy most of my clothing and shoes new.  I will say that I use coupons and clearance deals a lot.  But being a teacher, I am picky about my wardrobe, especially my shoes.
  7. I pay for a gym membership, and I haven’t gone in a while.  I will say that is it the cheapest gym ever, but I need to go, if I am going to continue to pay.
  8. We occasionally splurge on a vacation or 3 day weekend. I know we probably shouldn’t with the debt we are paying down, but hubby and I both love to travel.
  9. I drink mostly bottled water.  I know this is bad in many ways: for the enviroment, BPA, and I get free well water.  Our well is not very deep, so the water gets a lot of clay in it when it rains.  We use it, but I don’t drink it.  Water is about all I drink, so I buy bottled.  I do make my best effort to recycle each and every bottle.
  10. I like to watch some movies at the theater.  I try to find ways to save and go for free, but the movie theater is not a thrifty place!

So, don’t make me feel like the only one with bad habits!  Leave me a comment below with your least thrifty habit.  Are you trying to improve or do you consider it a splurge?

Do you have a Thrifty idea? Did you save a ton of money this week?  Do you have a Thrifty deal you want to share?

If so, please leave a comment or link up below!

If possible, please leave a link back to Coupon Teacher so that we can all share ideas.

This is linked to Life as Mom and Madame Deals.



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I disclose: This post may include affiliate links.

Thrifty Thursday: Save on School Lunches

Thrifty Thursday

Now, I realize that this varies from area to area in the country and that kids are often picky.  I am going to assume for this article that your child does not received free and reduced lunch.  If you qualify for this program, I strongly encourage you to contact your child’s school.  I hate to say it, but many schools receive federal funding based on their % of students with free and reduced lunch.  I say, if you qualify and it doesn’t bother your conscience, please take advantage.

Saving on Lunches Bought at School:

  • Many school lunches are based on a fixed base price, so unless they are really hungry, request that your child does not buy an extra entree or side.  I had a young man at school buy 3 entrees and barely finish 1 1/2 of them.
  • Many cafeterias still sell snack type items and even ice cream at lunch.  At my school, a parent can actually block the child’s account for them to not purchase these items.  I know it may seem mean, but many times the kids eat an ice cream bar and a cookie instead of their lunch.  And they pay for it all.
  • Pack an extra treat, even if they are buying school lunch. If you feel bad about your son or daughter not being able to buy extras, many schools will allow students to bring food into the cafeteria.  (At least if you send the treat, you know what is in it, what you paid for it, and that your child likes it.)

Saving on Packed Lunches:

  • Don’t buy individually wrapped items, unless they are free. It is usually cheaper to buy a whole bag of chips, pretzels, cookies, etc. than to buy individually wrapped ones. The same goes for fruit and veggies. Check out Snack Taxi’s or Lunch Skins to save on the price of plastice baggies and the waste.
  • Use leftovers, if your child likes them.  I can still picture one of my students this year loving every bite of some of her mom’s leftovers.  Just be aware that many schools won’t allow students to reheat things.
  • Don’t over pack.  Send only what your child might normally eat at home.  I can’t tell you how much food I see wasted every day, and most of it is the healthy stuff.
  • Pack unconventionally.  If you child hates sandwiches, don’t force them on him or her.  Think about other sources of energy like healthy crackers, yogurt, fruit, nuts, etc.
  • Invest in a good thermos that doesn’t leak.  It will save a ton of money on drinks/juice boxes.

Are you a lunch packer?  Or does your child eat school lunch?  What are your tips for saving?

Do you have a Thrifty idea? Did you save a ton of money this week?  Do you have a Thrifty deal you want to share?

If so, please leave a comment or link up below!

If possible, please leave a link back to Coupon Teacher so that we can all share ideas.

This is linked to Life as Mom and Madame Deals.



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I disclose: This post may include affiliate links.

Thrifty Thursday: Three Budget Busting Habits, A Guest Post

 

Thrifty Thursday

Since today is my 10 year wedding anniversary, I thought I would take a break from blogging.  (Happy Anniversary Baby!) 

The following guest post is from a blogging friend, Sadiah from A Proverbs Wife.

Meet Saidah: Through her blog, A Proverbs Wife, Saidah shares her journey in modeling herself after Proverbs 31:10-31. She writes about how scripture molds her into being a better Christian, wife, and mother.  I have been inspired by reading her blog

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As a stay at home mom and wife, one of my primary objectives is to stretch our budget as far as it can go. Being a good steward over our finances takes wisdom and sound judgment in deciding how to spend our money. As our family’s co-financial manager, I have learned a few tips that have allowed us to save money on things that we used to pay others to care for. Here are a few things you can begin doing that will reduce your out-of-pocket obligations, thus helping you to be a better steward over your finances.

Learn to do your own dry cleaning services. Dry cleaning services are an unwanted luxury when a family is attempting to tighten up their budget. One of the best things you can do is learn how to dry clean, mend and iron your own clothes. When you spend money on quality clothing, you want to be sure to follow the garment care instructions. Even though you may not pay full price for designer labels, you should always care for them as though you did. There are resources that will show you how to make homemade spot cleaner and pre-treatment solutions. In addition, you can learn a lot about ironing my searching YouTube for tutorials.

Reuse everything you can. Just about everything that comes in to your home can be re-used or re-purposed. Egg cartons and empty toilet paper rolls can be used for gardening or compost bins. One of my favorite reusable resources is the roasted chicken carcass. After a delicious dinner of roasted chicken, many families throw away the chicken carcass. This left over meat and bones is a prime source of protein and the fundamental ingredient for chicken broth. The easiest way to use the carcass for broth is to store them in big Ziploc bag in the freezer. When you have about 4-5 of them, it is time to make broth.

Make food from scratch. Learning how to recreate meals or products you would normally purchase from a store or a restaurant will not only save you money but time as well. How many times have you run out of an ingredient needed for a dish you were cooking? When you learn how to cook from scratch, you will also learn about food substitutes. Knowing what ingredients can take the place of others will prevent you from burning gas to run to the store to get the necessary ingredient. Another way that cooking from scratch saves money is that it is often less expensive to make meals at home than it is to eat at a restaurant. Plus there are so many FREE resources available that provide you with imitation recipes from your favorite restaurants.

From Coupon Teacher:  I have to admit, I throw away my chicken carcasses.  How about you, do you follow Saidah’s recommendations?

Do you have a Thrifty idea? Did you save a ton of money this week?  Do you have a Thrifty deal you want to share?

If so, please leave a comment or link up below!

If possible, please leave a link back to Coupon Teacher so that we can all share ideas.

This is linked to Life as Mom and Madame Deals.



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I disclose: This post may include affiliate links.

Thrifty Thursday: Take Care of What You Have

Thrifty Thursday

I am not getting on a soapbox today.  I am writing this to help myself (and you) remember that it is important to take care of what we have.

Our society tells us, if something breaks, we can buy another. I say, if we care for it, it won’t break as quickly, which will save us money. (This is a lesson we all need to learn, but I urge you to especially teach it to your children.)

Electronics and cell phones. Broke your cell phone because you dropped it? No problem! Order another on Ebay, or maybe it is time to upgrade.  Cell phones and other electronics are not cheap.  Do your best to care for them.

  • Carry items carefully and store them properly.
  • Don’t get electronics near water. (Yes, you shouldn’t take your cell phone in the bathroom.)
  • Do what you can to preserve batteries and/or buy items with rechargeable batteries.
  • Treat your electronics well, you probably spend more money on them than any other household item.

Cars and other vehicles. I will say that this is one of my downfall’s.  You don’t need a new car.  You just need to take car of the one you have.

  • Change the oil every 3000-5000 miles.
  • Keep up the basic maintenance, like brakes, wipers, and tires.
  • Wash it occasionally.  Especially if you live in colder climates with lots of salt on the roads.
  • Find a good, trustworthy mechanic to take care of things that are over your head.

Personal Items and Clothing. Do you follow the directions for washing your clothing? For example, I just accidentally dried one of my bras.  A few days later, a wire popped out.  Coincidence? I think not.

  • Wash most items in cold or warm water to extend their life.
  • Keep hair dryers and curling irons unplugged and in safe parts of the house.
  • Follow directions for caring for items.
  • Get handy with a need and thread. (Repair instead of replace.)

Kitchen appliances and kitchenware. Dreaming of a new fridge, because yours is ugly?  Unless you have an extremely old and inefficient model, you will probably be find without a new one.

  • Replace appliances only when the cannot be repaired or are too inefficient.
  • Follow directions for caring for your appliances. (Yes, occasionally clean your oven.)
  • Don’t put items into the dishwasher, unless you know they are dishwasher safe.
  • Store kitchen items in safe, dry, organized places to extend their life.

We don’t have to be a throw away society.  With a few changes, we can learn to save our belongings, and the money we would spend replacing them.

Do you have a Thrifty idea? Did you save a ton of money this week?  Do you have a Thrifty deal you want to share?

If so, please leave a comment or link up below!

If possible, please leave a link back to Coupon Teacher so that we can all share ideas.

This is linked to Life as Mom and Madame Deals.



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I disclose: This post may include affiliate links.

Thrifty Thursday: Back to School Clothes

Thrifty Thursday

If you didn’t get a chance to read it, last week, I wrote about saving on school supplies.

First let me say, that it is NOT necessary to buy your child a ton of clothes for back to school.  A new outfit for the first day might be nice, but if their clothes still fit, you shouldn’t go out and buy a ton of new ones.  I only buy myself a new dress for open house and occasionally hit the clearance racks for essentials during the year, but then again, I am not a growing child.

As a teacher let me also say this, the most important thing that my students can have is a nice pair of comfortable tennis shoes.  Recess and gym are so much easier when this is the case!

  1. Yard Sales.  I just finished with my yard sale, and although I didn’t have any kids clothes, you can find great items at these.  There are about 4-5 more weeks of great yard sales this summer, and I think you will be surprised at the deals you can find.
  2. Once Upon A Child and other consignment stores. These are a little more expensive than yard sales, but I have seen clothing with the tags still on very often in these types of stores.  You can find clothes for all seasons here too.
  3. Thrift Stores and Goodwill. These are great cheap options.  INSIDER TIP:  Ask the cashier which day of the week they put out new merchandise.  This can help you decide which day to shop, because the best items will be there on that day.
  4. Clearance racks. Kids can be hard to shop for on clearance racks, because you never know what size they will be the next year.  But sometimes, you can catch the clearance items to finish up the season.  Kmart, Walmart, Kohl’s and Old Navy all have great clearance racks for kids most of the time.
  5. Coupon Sales. Gymboree and Kohl’s both have great coupon sales, as well as many other stores.  Watch out for these special offers, and you can save a ton.  Check out EBATES and Shop AT Home for coupon codes and cash back on back to school shopping.
  6. Hand Me Downs. Do you have friends or family with kids older than your own?  This makes a perfect opportunity for Hand Me Downs.  Many times kids grow out of their clothes so fast that this is ideal.  The clothes are still good, and someone you know can use them.

What is your best tip for shopping for back to school clothes?

Do you have a Thrifty idea? Did you save a ton of money this week?  Do you have a Thrifty deal you want to share?

If so, please leave a comment or link up below!

If possible, please leave a link back to Coupon Teacher so that we can all share ideas.

This is linked to Life as Mom and Madame Deals.



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I disclose: This post may include affiliate links.

Thrifty Thursday: Back to School Supplies

Thrifty Thursday

I have to admit.  It was almost painful for me to write this post.  I feel like I just got out of school, and I still have 5 weeks or so off work.  The thought of back to school is not thrilling me yet, (it will by August 18th, I promise.) I will write another post next week about back to school clothes and shoes!

Shopping for Back to School  Supplies Tips

  • Keep an eye on the office supply flyers. Staples, Office Max, Office Depot, Target, and Walmart all started their back to school sales this week.   Several of these stores have mail in rebates, so watch out for freebies. There are also $.01 sales many years.  If your store gets sold out on Sunday before you make there, call and ask when they will restock.  In my area it is usually Tuesday or Wednesday.
  • Don’t be afraid to price match. Several of the stores I listed above will price match on exact items.  Hopefully you can use price matches to save you a few trips. Beware though, it will have to be on exact brands.  Most stores won’t price match a store brand.
  • Don’t feel like you have buy the whole list at once. You will save money if you watch the sales, coupons, and rebates.  You may not be able to get everything in one trip, but if you make one trip each week from now until school starts, you should save a bundle.
  • Watch out for tax free weekends in your state. There are good things and bad things about these weekends. Be aware that although things are tax-free, they may not be at a rock bottom price.  Plus the stores are extra busy during those days. This is a good time to make a large purchase, like a computer or printer to save on the tax.
  • Don’t forget the dollar stores. If there are items that you just can’t find for cheap, check out Dollar Tree or Dollar General. You never know what you will find.
  • Play the drug store game. CVS, Walgreens, and Rite Aid all have school supply specials too.  On top of that you may be able to find those tissues, hand sanitizer, and Clorox wipes a lot cheaper. (Yes, those are all on the supply list I give out.)
  • Keep track of your spending. If you spend over $30 on supplies after following these tips, I believe you should let the teacher or principal of your school know.  As a teacher, I try to keep my supply list reasonably priced, and if I follow these tips, my list would come in under $15 per student.  If your supply list becomes too much of a burden, let someone know.  I know that my county offers supplies and assistance to those who ask for help.

Are you ready for back-to-school?  Do you have any more tips for us to save?

Do you have a Thrifty idea? Did you save a ton of money this week?  Do you have a Thrifty deal you want to share?

If so, please leave a comment or link up below!

Please leave a link back to Coupon Teacher so that we can all share ideas.

This is linked to Life as Mom and Madame Deals.



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I disclose: This post may include affiliate links.
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About
My name is Shelly, and I am the writer behind Coupon Teacher. I am a Christian, wife, teacher, and avid bargain hunter. If you have any questions about something I post, please ask! I am a teacher after all. I am here for your benefit and to continually learn as well!Read More About Me »