• Fitness
  • Beauty
  • Recipes
  • Mom Life
    • Babies
    • Toddlers
    • Kids
    • Tweens
    • Teens
  • DIY & Crafts
  • Mamasita Reviews
  • Latest Posts
    • Basic Invite Stationery, Birthday Invites and...

      Sponsored
    • Her Mine: Lifestyle Box Unboxing

      Self Care
    • Glossybox Unboxing: Have you tried this beau...

      Beauty
    • Free Online Budgeting Tools

      Saving Money

Saving Mamasita

5 Steps To Get Your Finances In Order This Year

January 29, 2021 in Saving Money

This post is a part of a social shopper marketing insight campaign with Pollinate Media Group and Payoff, but all my opinions are my own. #pmedia #payoffmindset #whatsyourpayoff http://my-disclosur.es/OBsstV

IMG_5660

My husband and I are in our mid-thirties and we hope to one day be close to debt free. What would be even better is to win the lottery, pay off all monies owed and live the good life. Ok, back to reality!

We always seem to find things that we think would be fun to play with, do or make life a little bit easier. But how do we live the good life, without financial stress?

You know that feeling when you FINALLY pay off a bill in its entirety?! We recently paid off my car and the feeling after that final payment went through was that of pure joy. So, how in the world can we get that feeling of pure joy quicker than every 5 years?

Here are 5 ways to get your finances in order this year:

1.  Take a Look at Your Spending: If you just take a look at your spending patterns over the last few months, you will be able to tell if you got out of hand. Did you go overboard on holiday gifts? How about dining out? Perhaps those Starbucks trips ended up being an almost everyday thing? Revisit your budget, see where you may have gotten careless and try to eliminate those unnecessary expenses that have become habit. Often times we just spend without thinking and don’t realize how much extra we really throw away at luxuries we don’t really need. Taking a look at our spending habits will give us more insight into where our money is going.

2. Get Your Credit Report: You can get credit report FREE now at AnnualCreditReport.com. Taking a peek at your credit report will let you know where you are at for the new year. If your credit history needs some improvement, this is the year to start getting your numbers on the right track.

3. Review Your Balances/Create A Strategy: Take the time to review your balances. If you have extra cash in the bank, it isn’t necessary a bad idea to make a large payment towards paying your debt down.

4. Set Up Auto Pay: What has made it tremendously easy for my husband and I is automating our bills. The more you can automate, the easier your finances will be. You can download a free bill payment app that will help you pay your bills on time and maintain a regular savings plan.

5. Payoff.com: Payoff.com is a company in the YOU business-get rid of your credit card balances so you can move forward in your life and achieve your dreams. While my husband and I were looking through our existing debt, I checked out Payoff.com (along with my cat) to see how I can realistically get our debt in one spot. With Payoff.com you go through an application process (which doesn’t affect your credit score, by the way) in which you can get approved for a loan to pay off all of your debt at once. When you use Payoff.com, it’ll help you to become more financially knowledgeable and you will be so happy that you will be able to achieve your dreams. What I love about the website is the chat help. Brandon helped me with questions that I had regarding the Payoff.com application process and made it so much easier to understand what they have to offer.

payoff1-e1422492803652

brandon-e1422503112249

 

And it is super easy to submit an application!  See below:

payoffscreen

payoffscreen1

You can also check out more Payoff tips on the Payoff Facebook page.

And finally, have a positive attitude! A positive attitude will get you far. You won’t be in debt forever as long as you are aware of where your money is going and have a plan of attack to keep that money going where it NEEDS to go.

What are some of the ways you manage your finances? What makes your life easier when it comes to saving money?

20
26 Comments
Previous Service Workers You Should Tip
Next Free Online Budgeting Tools

Related Posts

Kick Off The New Year With A Bright And Healthy Smile...

4 Amazon Hacks Every Shopper Should Know

COUPON ALERT: $1 Off Any Bag Of IAMS Dry Dog Food + $5...

Reader Interactions

Comments

  1. mariac@toughcookiemommy.com'Tough Cookie Mommy says

    January 29, 2015 at 10:35 pm

    It’s so important to have a financial plan in place at the beginning of the year. It sets the tone for the rest of the year.

    Reply
  2. Kristen@theroadtodomestication.com'Kristen from The Road to Domestication says

    January 30, 2015 at 3:41 pm

    These are some good tips! The one thing we don’t do is anything on auto-pay. I’ve had companies accidentally take multiple payments out at once. And let me tell you, when the mortgage comes out twice, it can REALLY cause some issues LOL

    Reply
  3. terrylee5151@aol.com'Terry says

    January 30, 2015 at 5:47 pm

    When it comes to the finances, my Hubs is on top of it. He does them all and I have no STRESS!!!

    Reply
  4. info@ourfamilyworld.com'ourfamilyworld says

    January 30, 2015 at 8:11 pm

    It is important to get finances straight. It leads to a healthy lifestyle. I like that this service helps you with credit card balances

    Reply
  5. aimeefauci@gmail.com'aimee fauci says

    January 30, 2015 at 10:08 pm

    Often time we manage our finances by not going out and by sticking to a grocery list. It can be so hard!

    Reply
  6. internationalgiveaways@gmail.com'Ronnie says

    January 30, 2015 at 11:05 pm

    I’m trying really hard to keep my finances in order, too. I recently quit my job and had a sudden added amount of expenses because I moved apartments.. thanks for the tips! I’ll try to follow them by step and get things back in order.

    Reply
    • gcostantino@payoff.com'Gina from Payoff says

      January 31, 2015 at 12:24 am

      Hi Ronnie! We’d love to offer you some friendly advice and help you get back on track! We’re not a loan company, we’re a financial empowerment company 🙂 Please feel free to call us at 1-800-878-0901 or you can live chat with one of our Customer Success Advocates right on our website: https://www.payoff.com/

      Have a great weekend!

      Reply
  7. maureen@adebtfreestressfreelife.com'Maureen @ A Debt Free Stress Free Life says

    January 30, 2015 at 11:45 pm

    Want to get out of debt? Track every penny, every month and convert to cash right now. Cut up credit cards and don’t use debit either. Using cash will give you a whole new appreciation for money, one you won’t get with out it. I paid off 50K. I did it without a loan. I don’t recommend taking a loan to pay off debt. I understand why it might feel like a good idea but I don’t think it’s a good idea. I’ve helped so many people get out of debt. There’s no magic bullet it just takes time patience and establishing good money habits. You’ll do it too!

    Reply
  8. donnalaward@gmail.com'Donna Ward says

    January 30, 2015 at 11:50 pm

    I will be sharing the payoff.com site with my son – I always look at my balances and create my strategy so I like that tip also! Thank you for your post full of great tips

    Reply
    • gcostantino@payoff.com'Gina from Payoff says

      January 31, 2015 at 12:18 am

      Hi Donna! Financial freedom is so much brighter than the burden of credit card debt. We’re happy to help your son any time! Please have him call us at 1-800-878-0901 or he can live chat with a Customer Success Advocate right on our website: https://www.payoff.com/. Have a great weekend!

      Reply
  9. sixtimemommy@gmail.com'Jeanine says

    January 31, 2015 at 1:36 am

    Great tips! It’s always so important to have financial plans. I know it isn’t easy. but we try as best we can!

    Reply
  10. loisaltermark@gmail.com'Lois Alter Mark says

    January 31, 2015 at 2:34 am

    These are great tips and so important! We are really trying to stay on top of our finances this year.

    Reply
  11. soaringplaces@gmail.com'Rosey says

    January 31, 2015 at 7:18 am

    That’s a great resource at the end there. I think being debt free would be marvelous!

    Reply
  12. kay.adeola@kayadeolablog.co.uk'Kay Adeola says

    January 31, 2015 at 1:24 pm

    Great post,I leave all of this stuff up to hubby.

    Reply
  13. jeffmarias2001@yahoo.com'Maria says

    January 31, 2015 at 1:25 pm

    Great tips! one thing I’m trying to do is spend less money for my business!! I’m looking for value in 2015!

    Reply
  14. editor@girlgonemom.com'Heather says

    January 31, 2015 at 4:18 pm

    I am famous for putting off bills and then being late. What I did last year is schedule important bills that have a set amount like my mortgage so I’m never late.

    Reply
  15. pamwattenbarger@yahoo.com'Pam says

    January 31, 2015 at 11:41 pm

    Checking your credit report is a great way to figure out where you are with your spending. It’s easier to keep a good score than repair a bad one.

    Reply
  16. homeschoolingblesssings@yahoo.com'Mama to 5 BLessings says

    February 1, 2015 at 1:41 am

    My husband pulls credit reports for us a few times a year. Great tips!

    Reply
  17. adventuresfrugalmom@gmail.com'Melissa Vera says

    February 1, 2015 at 3:15 am

    Thanks for this great tutorial. I am going to have to get my butt in gear this year to get my finances in better shape.

    Reply
  18. lisariosonline@gmail.com'Lisa Rios says

    February 1, 2015 at 4:02 am

    These are great tips to get the financial plans to perfection, as initial planning helps for a smooth progress all through the year. PayOff sounds like a great option & I would love to signup & see how it works. Thanks for sharing.

    Reply
  19. aishakristinechong@gmail.com'Aisha Kristine Chong says

    February 1, 2015 at 2:19 pm

    If there is one thing – I have noticed that when I put things in a note = everything. I am able to save more and earn more at the same time.

    Reply
  20. lizventuresblog@gmail.com'Liz Mays says

    February 1, 2015 at 2:42 pm

    I am super careful about my finances now. It’s a big, big priority for me.

    Reply
  21. cool.moms.cool.tips@gmail.com'coolchillmom says

    February 1, 2015 at 4:20 pm

    There is nothing like having debt under control
    Therefore your idea of looking at spending first gets a long way

    Reply
  22. thelesleyshow@gmail.com'Lesley says

    February 1, 2015 at 5:32 pm

    I really need to think about getting my finances in order this year. Thank you for this awesome resource, now at least I know where to begin.

    Reply
  23. savingyoudinero@gmail.com'Janell Poulette says

    February 1, 2015 at 8:30 pm

    I am so happy to be credit card debt free. We just bought a minivan and have a small payment. But I plan on doubling the payments and paying it off soon.

    Reply
  24. chrystal@yumeating.com'Chrystal @ YUM eating says

    February 1, 2015 at 9:19 pm

    The only thing we have set up on auto pay now is for the mortgage. We pay everything else manually online. Because my husband has 2 different employers with different paydays it was just easier that way so we weren’t getting an auto pay taken out when the deposit hadn’t come through. I think the bank got tired of us asking to reverse the OD fee.

    We are working on getting our credit cards taken care of. Hopefully we’ll be able to make a giant dent with our income tax. Then we can work on paying extra on our car notes. Somewhere in there we have to tackle the school loans. His are minimal, I went to grad school so I owe a LOT. lol

    Reply

Leave a Comment Cancel reply

Your email address will not be published. Required fields are marked *

Primary Sidebar

Recent Posts

  • Basic Invite Stationery, Birthday Invites and More!
  • Her Mine: Lifestyle Box Unboxing
  • Glossybox Unboxing: Have you tried this beauty subscription box??

mamasitaal

#youtubeunboxing
PR: alnmedia@yahoo.com
⬇️Watch my latest vid here ↙️

Amber
#FuelTheirDrive #CassClay #Sponsored We’re geari #FuelTheirDrive #CassClay #Sponsored We’re gearing up for the final weeks of cross country AND the Fuel Their Drive competition. 

We've been loading up on protein, carbs and chocolate milk in our household!  For every Cass Clay milk you purchase, you can snap a photo of your receipt, upload it to http://www.fueltheirdrive.com/cassclay and have a chance to win up to $10k for your athletic department. Is your school on the leaderboard?  Check out the top schools for the area here:
https://fueltheirdrive.com/cassclay/en-us/Leaderboard

Again, quick recap on how you can help your high school athletic department:  Simply buy Cass Clay milk, snap a photo of your receipt and upload it to www.fueltheirdrive.com/cassclay and then vote for your favorite high school!  Help push your school to the top.  Find Cass Clay milk at a local retailer near you, including Walmart.

CASS CLAY WILL AWARD 16 GRANTS RANGING FROM $1K-$10K TO SCHOOL COMMUNITIES, INCLUDING NORTH DAKOTA! WIN-WIN! LET'S GOOO! 

No Purch. Nec. Ends 10/15/21. 16+, IA, IL, KS, MN, NE, ND, WI only, Rules: http://pl.fyi/zw2
My famous “mom” line is, “make sure you are My famous “mom” line is, “make sure you are drinking water!” Or “are you drinking water?” Or “do you need some more water?” Any sort of variation can come out of my mouth at any given time.  Ask my kids and they will confirm.  If there is one thing that I know is that staying hydrated is so important. 

Clean drinking water is even better! I introduce to you ZeroWater.  Only ZeroWater leaves 000 dissolved solids, for the purest tasting water. ZeroWater is the only filter certified by the NSF to reduce both Lead and Chromium. It also has a premium 5-stage filter versus the standard conventional 2-stage filter used by other brands.

I am teaming up with @zerowater000 to give away a zero water pitcher.  This pitcher comes with a water quality meter and premium 5-stage ion exchange filter!

The Ready-Pour technology allows you to dispense filtered water as the reservoir continues to filter. No need to wait until the pitcher is full to start enjoying.

Here’s the deal and the rules. 
*must “like” this post
*follow @mamasitaal 
*follow @zerowater000
*tag a friend to receive an extra entry (the more you tag, the more entries you get)

It’s that easy to enter. 
Good luck! 

This giveaway is not affiliated with Instagram. 
Winner will be announced on 10/15/2021 
#ZeroWater #LiveLifeAtZero #creatorco #onetreeplanted #creatorsplanttrees
Today’s good mood is sponsored by coffee. #nati Today’s good mood is sponsored by coffee.

#nationalcoffeeday should be every day and let me tell you, Starbucks cinnamon dolce is my fave.  I top mine off with whipped cream and a sprinkle of cinnamon. Perfection. 

Are you a coffee fan? If so, what is your favorite coffee brand? How do you like your coffee? How many cups do you drink per day? 

#coffee #coffeelover #coffeegram #coffeeaddict #coffeelife #coffeeholic #coffeedaily #coffeecoffeecoffee #coffeevibes #coffeebreak #coffeeislove #yumyum #cantleavewithoutit #cantleavehomewithoutit❤️
Crisp air. Pretty leaves. Sweaters and boots. Foot Crisp air. Pretty leaves. Sweaters and boots. Football. Coffee and pumpkins.  I love fall. 

#ourneighborhood #myneighborhood #fallseason #fallisintheair #fallismyfavorite #fallvibes #fallcolors #changeisgood #beautifulview #myviewrightnow #myviewisbetterthanyours #sunrise #gorgeousviews #autumn #autumnvibes
Sorry Kanye, but this is the greatest of all time. Sorry Kanye, but this is the greatest of all time. The Goat of all soups. And it’s easy to make too. 

🍁 Vegetable Soup 
Here’s what you need: 
2 Tbsp olive oil
1 1/2 cups chopped yellow onion (1 medium)
2 cups peeled and chopped carrots (about 5)
1 1/4 cups chopped celery (about 3)
4 cloves garlic , minced
4 (14.5 oz) cans low-sodium chicken broth* or vegetable broth
2 (14.5 oz) cans diced tomatoes (undrained)
3 cups peeled and 1/2-inch thick diced potatoes (from about 3 medium)
1/3 cup chopped fresh parsley
2 bay leaves
1/2 tsp dried thyme
Salt and freshly ground black pepper
1 1/2 cups chopped frozen or fresh green beans
1 1/4 cups frozen or fresh corn
1 cup frozen or fresh peas 

Instructions:

🍁 Heat olive oil in a large pot over medium-high heat. 
🍁 Add onions, carrots, and celery and saute 4 minutes then add garlic and saute 30 seconds longer.
🍁 Add in broth, tomatoes, potatoes, parsley, bay leaves, thyme and season with salt and pepper to taste*.
🍁 Bring to a boil, then add green beans. 
🍁 Reduce heat to medium-low, cover and simmer until potatoes are almost fully tender, about 20 - 30 minutes. 
🍁 Add corn and peas and cook 5 minutes longer. Serve warm.

For the full how to: check out Vegetable soup on the cookingclassy.com. 

#comfortfood #soupseason #soupdejour #souprecipes #nummanum #yummy #soupfordays #fallsoup #fallsoupseason #vegetablesoup #vegetablesoup #soupmaker #deliciousness #delicious #cookingclassy #comfortfoods #goatsoup🐐 #greatestofalltime #whatsfordinnertonight #whatsfordinnertomorrow #itswhatsfordinner
Tis’ the season to be fall-y. Be prepared for Tis’ the season to be fall-y. 

Be prepared for a slew of Autumn season posts.  Fall is my favorite. 

I love the colors. I love the decor. I love the fall fashion. I love the fall food.  I love it all! I had a few floral arrangements I had created by  different local small town florists.  Here are my faves.  Aren’t they gorgeous? And how cute is that little pumpkin? 

What’s your favorite season? 

#falldecor #fallfashion #fallcenterpiece #fallcenterpieces #fallstyle #falldecorations #fallready #fallharvest #fallisintheair #fallflowers #autumn #autumnvibes #autumndecor #autumnvibes🍁 #pumpkindecor
Follow on Instagram
#FuelTheirDrive #CassClay #Sponsored We’re geari #FuelTheirDrive #CassClay #Sponsored We’re gearing up for the final weeks of cross country AND the Fuel Their Drive competition. 

We've been loading up on protein, carbs and chocolate milk in our household!  For every Cass Clay milk you purchase, you can snap a photo of your receipt, upload it to http://www.fueltheirdrive.com/cassclay and have a chance to win up to $10k for your athletic department. Is your school on the leaderboard?  Check out the top schools for the area here:
https://fueltheirdrive.com/cassclay/en-us/Leaderboard

Again, quick recap on how you can help your high school athletic department:  Simply buy Cass Clay milk, snap a photo of your receipt and upload it to www.fueltheirdrive.com/cassclay and then vote for your favorite high school!  Help push your school to the top.  Find Cass Clay milk at a local retailer near you, including Walmart.

CASS CLAY WILL AWARD 16 GRANTS RANGING FROM $1K-$10K TO SCHOOL COMMUNITIES, INCLUDING NORTH DAKOTA! WIN-WIN! LET'S GOOO! 

No Purch. Nec. Ends 10/15/21. 16+, IA, IL, KS, MN, NE, ND, WI only, Rules: http://pl.fyi/zw2
My famous “mom” line is, “make sure you are My famous “mom” line is, “make sure you are drinking water!” Or “are you drinking water?” Or “do you need some more water?” Any sort of variation can come out of my mouth at any given time.  Ask my kids and they will confirm.  If there is one thing that I know is that staying hydrated is so important. 

Clean drinking water is even better! I introduce to you ZeroWater.  Only ZeroWater leaves 000 dissolved solids, for the purest tasting water. ZeroWater is the only filter certified by the NSF to reduce both Lead and Chromium. It also has a premium 5-stage filter versus the standard conventional 2-stage filter used by other brands.

I am teaming up with @zerowater000 to give away a zero water pitcher.  This pitcher comes with a water quality meter and premium 5-stage ion exchange filter!

The Ready-Pour technology allows you to dispense filtered water as the reservoir continues to filter. No need to wait until the pitcher is full to start enjoying.

Here’s the deal and the rules. 
*must “like” this post
*follow @mamasitaal 
*follow @zerowater000
*tag a friend to receive an extra entry (the more you tag, the more entries you get)

It’s that easy to enter. 
Good luck! 

This giveaway is not affiliated with Instagram. 
Winner will be announced on 10/15/2021 
#ZeroWater #LiveLifeAtZero #creatorco #onetreeplanted #creatorsplanttrees
Today’s good mood is sponsored by coffee. #nati Today’s good mood is sponsored by coffee.

#nationalcoffeeday should be every day and let me tell you, Starbucks cinnamon dolce is my fave.  I top mine off with whipped cream and a sprinkle of cinnamon. Perfection. 

Are you a coffee fan? If so, what is your favorite coffee brand? How do you like your coffee? How many cups do you drink per day? 

#coffee #coffeelover #coffeegram #coffeeaddict #coffeelife #coffeeholic #coffeedaily #coffeecoffeecoffee #coffeevibes #coffeebreak #coffeeislove #yumyum #cantleavewithoutit #cantleavehomewithoutit❤️
Crisp air. Pretty leaves. Sweaters and boots. Foot Crisp air. Pretty leaves. Sweaters and boots. Football. Coffee and pumpkins.  I love fall. 

#ourneighborhood #myneighborhood #fallseason #fallisintheair #fallismyfavorite #fallvibes #fallcolors #changeisgood #beautifulview #myviewrightnow #myviewisbetterthanyours #sunrise #gorgeousviews #autumn #autumnvibes
Sorry Kanye, but this is the greatest of all time. Sorry Kanye, but this is the greatest of all time. The Goat of all soups. And it’s easy to make too. 

🍁 Vegetable Soup 
Here’s what you need: 
2 Tbsp olive oil
1 1/2 cups chopped yellow onion (1 medium)
2 cups peeled and chopped carrots (about 5)
1 1/4 cups chopped celery (about 3)
4 cloves garlic , minced
4 (14.5 oz) cans low-sodium chicken broth* or vegetable broth
2 (14.5 oz) cans diced tomatoes (undrained)
3 cups peeled and 1/2-inch thick diced potatoes (from about 3 medium)
1/3 cup chopped fresh parsley
2 bay leaves
1/2 tsp dried thyme
Salt and freshly ground black pepper
1 1/2 cups chopped frozen or fresh green beans
1 1/4 cups frozen or fresh corn
1 cup frozen or fresh peas 

Instructions:

🍁 Heat olive oil in a large pot over medium-high heat. 
🍁 Add onions, carrots, and celery and saute 4 minutes then add garlic and saute 30 seconds longer.
🍁 Add in broth, tomatoes, potatoes, parsley, bay leaves, thyme and season with salt and pepper to taste*.
🍁 Bring to a boil, then add green beans. 
🍁 Reduce heat to medium-low, cover and simmer until potatoes are almost fully tender, about 20 - 30 minutes. 
🍁 Add corn and peas and cook 5 minutes longer. Serve warm.

For the full how to: check out Vegetable soup on the cookingclassy.com. 

#comfortfood #soupseason #soupdejour #souprecipes #nummanum #yummy #soupfordays #fallsoup #fallsoupseason #vegetablesoup #vegetablesoup #soupmaker #deliciousness #delicious #cookingclassy #comfortfoods #goatsoup🐐 #greatestofalltime #whatsfordinnertonight #whatsfordinnertomorrow #itswhatsfordinner
Tis’ the season to be fall-y. Be prepared for Tis’ the season to be fall-y. 

Be prepared for a slew of Autumn season posts.  Fall is my favorite. 

I love the colors. I love the decor. I love the fall fashion. I love the fall food.  I love it all! I had a few floral arrangements I had created by  different local small town florists.  Here are my faves.  Aren’t they gorgeous? And how cute is that little pumpkin? 

What’s your favorite season? 

#falldecor #fallfashion #fallcenterpiece #fallcenterpieces #fallstyle #falldecorations #fallready #fallharvest #fallisintheair #fallflowers #autumn #autumnvibes #autumndecor #autumnvibes🍁 #pumpkindecor
As I sit here at my current job (I am a radio adve As I sit here at my current job (I am a radio advertising sales rep), I am reminiscing about past jobs I have had in my life. Here are a few…can you guess which job I have not had?

1. On air personality (deejay)
2. Celebrity entertainment writer
3.  Grocery store checker
4. Zoo attendant 
5.  Housekeeper 

I’ll share the answer later in my story.  Don’t forget to share the first job you ever had! 

#jobs #jobsihad #jobsihadbefore #whatsayyou #shareyourstory #employment #whatidid
Copyright ©2021 2023 Saving Mamasita
  • About Saving Mamasita
  • Be Featured
  • Media Kit
  • Contact Us
  • Sitemap
Theme by SheShoppes