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Old Financial Habits Die Hard…

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I was driving home from work last night when I noticed a new billboard. The local credit union was advertising car loan rates starting at 2.9% and suggested all motorists finance or refinance vehicles into their ‘great low rate’.

‘Hmm. Maybe I should consider refinancing this baby’ I thought as I tapped the steering wheel of my Mazda. ‘What am I paying now? 5.9%?’ I wondered.

I kept repeating the name of the credit union in my head over the next few miles until I remembered one fairly important fact…

We paid off my car two years ago when we decided to change our lives to become debt free.

I am so used to paying payments for everything in my life that not having a payment is still a foreign concept. I still smile when I remember… that payment is GONE!!! It was a nice ride home.

Accidental Extreme Couponing…

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I always flip through the coupons in my weekly stack of junk mail. This week, the mailman accidentally delivered 5 stacks of the same coupon pile. I was about to toss them when I discovered a killer coupon for Degree deodorant. Our grocery store was running a sale on the same item so my final purchase price was a whopping 25 cents each. Taking it as a ‘sign from God’ and not as a ‘sign the mailman was tired or lazy’, I clipped all 5 copies and purchased 5 sticks of deodorant. While there, I grabbed two tubes of toothpaste ($3 off coupon) and two bottles of store brand mouthwash ($1.50 off coupon). I went home with $30 worth of goods for just over $3.

Proud of my savings, I opened my linen closet doors to store my stash and…

discovered there were already 4 sticks of deodorant, 5 tubes of toothpaste, and 2 bottles of store brand mouthwash.

That’s what I get for chastising the TLC Extreme Couponing show. Stupid Karma.

My husband gets slightly annoyed when he discovers that I have 8 bottles of shampoo but can’t seem to stock a decent bottle of aspirin – it’s not my fault they don’t offer aspirin at 90% off and I have no motivation to pay full price for anything. I know some women who hide their shopping discretions from their husbands… sadly, I include myself in that group. But it’s no Coach bag or Hermes sweater stuffed in the back of my closet, it’s 4 bottles of discounted body wash. I cringed when I caught my hoarding, *cough*, ‘savings’ mistake and quickly shoved the deodorant behind some sheets. Regardless of the savings, I’d have to have one heck of a sweaty summer to burn through 9 sticks of deodorant.

I learned my lesson. All coupons are going straight to the trash until I run out of deodorant… which should be sometime in 2015.