Wednesday, January 25, 2012

Super Points...ya heard?!

Yes, you, have you heard of Super Points? If you haven't, you're in for a treat!

The Superpoints Network is a collection of sites where you can win and earn Superpoints™ that can be redeemed for great rewards.
Earning Superpoints is EASY! 
To get the most out of the Superpoints Network, tell everyone you know about our sites using your special referral links. If you recruit someone to join Superpoints, you become their “sponsor.” No one else can sponsor them. If you recruit someone to join, you get 25 Superpoints when they reach the Basic member level. A limited number of invites are available so use them wisely. You can get more invites when one expires or when someone uses it to sign up. You can also get more invites when you increase your member level.
Other ways to earn Superpoints:
To earn more Superpoints, you can watch videos, complete offers, and win with the “Super Lucky Button.” You have a certain number of clicks per day. Click the Superlucky button in your account each day to see if you win any Superpoints or prizes. Gold Members and above win when their friends win, too! Get more clicks everyday by increasing your member level.
Prizes that can be earned by being a Superpoints member are:
500 Superpoints:
    $5 Amazon Gift Card
  • $5 Best Buy Gift Card
  • $5 PayPal Cash
  • $5 Domino’s Gift Card
  • $5 Jamba Juice Gift Card
1,000 Superpoints:
  • $10 Amazon Gift Card
  • $10 Best Buy Gift Card
  • $10 PayPal Cash
  • $10 Domino’s Gift Card
1,500 Superpoints:
2,500 Superpoints:
  • $25 Apple Gift Card
  • $25 Best Buy Gift Card
  • $25 Home Depot Gift Card
  • $25 iTunes Gift Card
  • $25 Macy’s Gift Card
  • $25 Target ecard
  • $25 Amazon Gift Card
  • $25 Walmart eCard
  • $25 Starbucks Gift Card
  • $25 Domino’s Gift Card
  • $25 PayPal Cash
Plus lots more! You can also earn great prizes in the 5,000 to 50,000 Superpoints range.
How do I get Started? 
Keep an eye on my SAHM turned WAHM Facebook page. I will be posting new invites as I receive them on a regular basis. You can sign up through those special referral links. Remember, it is invite only, so sign up NOW!

For the first person that gets to the bottom of this blog post and would like to sign up, here is a link just for you:
Oh, by the way, its worth 25 points ;) I'd love to know who was the lucky one that grabbed it! Be sure to leave a comment or even post on my Facebook page if you don't mind. 

Monday, January 23, 2012

Budget, Savings, Emergency Fund?

Do you have one? two? or all three? If not, why not? Would you like any of the above?

Did you know that no matter what your situation is that with a budget you CAN have a savings and an emergency fund?!

For those that have savings and/or an emergency fund, how did you get started? What got you started?

I'm 28 years old, married with 2 children and going through with the short sale process on our house. It isn't the most ideal situation, but it is what it is. Its what is needed right now for my family as we weren't so prepared as we thought to purchase a home.

I've never lived on a budget. In fact I've lived paycheck to paycheck ever since I had my first job. By the way, I'm a WAHM now, where as before I was a SAHM for many years.

While my husband works his butt off 40 hours a week, it is just enough to pay the bills. Well, most. As I said we're going through the short sale process on our house because we weren't able to make that payment AND all of the others.

If we paid the mortgage we'd have to be behind on all of our utilities. That's right, I'd pay the past due amount, leaving the current amount unpaid. Of course when the due date came and went for that bill, it was then past due. For MONTHS we had a past due amount on each of our utilities. Until we decided we couldn't afford to pay the mortgage. We're now current with our utilities but behind on our mortgage.

Hardships happen. They happen to ANYONE. They can happen at ANY TIME. Are you prepared? Do you want to be?

My husband and I have decided it is time to take control, not only of our finances but other attributes in our lives. For the financial control we're leaning on Dave Ramsey, I'm sure you've heard his name in passing at least once. We're taking his 13 week Financial Peace University course. Tonight was class 1 and we learned so much just from this class that I can't wait for the future classes.

Did you know you should have a minimum of $1,000 for your emergency fund? $500 if you're income is less than $20,000 a year.

What about having at least 3-6 months of expenses saved up for that "rainy day" that may come?

Those are a couple things that were covered in tonight's class. Which by the way, we pretty much got a comedy show tonight just for going. He is a FUNNY guy! Definitely lightens the mood a bit!

If you have the chance to take the class, even if its doing it from home on your own, I fully recommend it.

I'll try to update about the class no later than Monday evening as each class is on Sunday. However, I can't guarantee it'll be up by then as I may get busy on some Mondays. So for sure it will be up each Tuesday after. Check back then to see more information on how you can save money and plan for the future.

Sunday, January 22, 2012

Packing! What's your method?

When packing to move how do you do it? Are you alone? Have some help? Have someone do it for you? 

Where do you start? The bedrooms? Bathroom(s)? Kitchen? 

Do you mark each box? Do you use different kinds of boxes so you "just know" what's in them?

I have moved several times before, however, it was just myself and my things. I have a family now...a husband, daughter and a son. I've accumulated a few things over the years, okay a few is probably a HUGE understatement, but you get the idea. 

I usually am pretty good about knowing where to start and what to do but this time I'm somewhat at a loss... I want to DE-CLUTTER. However, all my life I grew up around those that kept almost everything. You know with the "I could use this for..." or the "Oh I need that for this..." kind of mentality. 

I want to BREAK AWAY from that. I don't want to have all this stuff in my house if it truly isn't needed and won't be used. I mean what's the point?! 

I'm going to have to dig deep inside myself and really let go of a lot...its going to be hard but I'm determined to do it. Not only for myself but my family. Especially my children. I don't want them growing up surrounded by clutter and crap. Yes, they're surrounded by love which is important but they don't need the added crap, right?! 

And the cherry on top of the whole thing... I can't allow my husband to help pack anything but what is truly his because he may not keep things that need to be kept. Not only that but I would have NO idea where anything was and when it came to unpacking, it would be a total nightmare... Looks like I better get started now! haha