Why can’t you do both?

It’s okay if you want your debts to take priority in your budget but don’t completely write off saving. Even if you can only save a few bucks a week, it’s better than nothing.

Speeding Up the Process

The goal is to get the debt paid off as quickly as possible so that you can focus on saving, right? Here’s how you do that.

1. Take stock of your current living situation. Is there anywhere that you can cut costs? Can you take in a roommate? Do you really need that expansive cable package? If there are savings to be had, go after them. Be ruthless! You can live large later, when you aren’t struggling to pay your bills (when it will be more fun anyway).

2. Learn credit law.  A creditor can only collect your debt once. Make sure you keep receipts and confirmations for all of the payments you make—especially when you pay off a debt. As long as you are paying at least the minimum due each month, a creditor has no reason to send you to a collector. What’s more, once you’ve paid a debt, you’re done. A creditor cannot decide suddenly that you still owe in extra fees or expenses.

3. Contact each creditor and ask about your interest rates and fees. Ask to have them lowered or reduced. If the creditor gives you the run around, threaten to simply close the account. A creditor wants to keep your business—he’ll probably give you a lower interest rate to keep you around.

4. Be wary of balance transfers. You’ve undoubtedly been sent a few offers for credit cards that will allow you to transfer a balance at o% APR for six or twelve months. It seems like a great deal and it can be…but only if you can actually pay off that debt in the time allotted. If there is even one penny of that transfer left on your card after the allotted time has passed, you’ll have all of the interest you could have been charged during that time tacked on to your debt.

5. Consolidation is a Last Resort. If you are truly drowning in a lot of different debts, you might want to consider consolidating them—but you should use this as a last resort. Sometimes credit consolidation can look bad on your credit report. Still, having just one payment every month is tempting, isn’t it? If you do decide to go the consolidation route, go with a non-profit organization. These organizations actually want to help you. The private ones just want to charge you a bunch of money in fees and then leave you holding the bag.

Eventually you’ll pay down your debt and you can put all of the money you were spending on your payments into your savings account—an account which has been growing in its own right!

The key is to stick to it. It takes time to pay off your debt and to save up a good nest egg but it is an accomplishment that feels amazing to achieve!

• Coupons.com
• Coupons.com Savings Club (FREE 30 day trial still available!)
• Coupon Network
• RedPlum
• SavingStar
• Smart Source

Here are some of my favorite printable coupons available today:

• $1.00 off ONE Green Mountain Coffee K-Cup packs
• $0.55 off any pepper sauce from TABASCO brand
• $0.35 off 1 bottle of Gold Peak Lemonade Iced Tea
• $1.50 off 1 Always Pad AND 1 Always Liner 12ct
• $3.00 off any 2 Products (Benadryl, Children’s Ben, Tylenol Sinus, Sudafed, Children’s Sud)

There’s a new printable coupon from Coupons.com for $1.00 off ONE Green Mountain Coffee K-Cup packs! To snag this coupon, just click here to be directly taken to this coupon.

This coupon has an expiration date of: July 31, 2013

Remember, you can print two coupons per computer.

There’s a new printable coupon from Coupons.com for $2.00 off ONE Vidal Sassoon Pro Series Hair Color! To snag this coupon, just click here to be directly taken to this coupon.

This coupon has an expiration date of: July 31, 2013

Remember, you can print two coupons per computer.

There’s a new coupon from Coupon Network for $1.00 off when you buy any TWO (2) Carnation® Breakfast Essentials™ No Sugar Added packages or multipacks. Remember that there are only a limited number of prints, and to print this coupon if you want it. Also, you can print up to two of the same coupons per computer.

This coupon has an expiration date of: May 10, 2013

There’s a new coupon from Coupon Network for 85¢ off when you buy any SIX (6) Gerber® 1st Foods® Baby Food. Remember that there are only a limited number of prints, and to print this coupon if you want it. Also, you can print up to two of the same coupons per computer.

This coupon has an expiration date of: June 16, 2013

There’s a new coupon from Coupon Network for $1.00 off when you buy any TWO (2) Glade® Carpet & Room Odor Eliminator. Remember that there are only a limited number of prints, and to print this coupon if you want it. Also, you can print up to two of the same coupons per computer.

This coupon has an expiration date of: June 30, 2013

There’s a new coupon from Coupon Network for $1.00 off when you buy any ONE (1) Glade® Sense & Spray® twin refill or TWO (2) single refills. Remember that there are only a limited number of prints, and to print this coupon if you want it. Also, you can print up to two of the same coupons per computer.

This coupon has an expiration date of: June 30, 2013

Thanks Freebie Shark!

• Visit Ink Garden and click where it says “Shop Now.“
• You’ll have options to choose a template, to customize, or even build your own design.
• At checkout, make sure to use promo code MAGNET2.
• Your total will show $4.99 for shipping, and $2 for your magnets.

• Head over to Philosophy.com to shop their deals.
• Shop around their 40% off Summer Sale until you hit $50 in your basket.
• At check out, make sure to apply promo code EXPSHIP to snag free express shipping.

Express shipping ends tomorrow, 5/1. Even if you don’t want the express shipping, you can still score free shipping once you spend $50. If you choose to do that, make sure to sign up for the newsletter first where you can score a code to use towards a FREE gift when you spend $25 or more!

The Fine Print: Up to a $14 value. Offer excludes accessories, bundles, and gift sets,  Limit one offer per customer. No substitutions. To redeem in stores, coupon must be presented and surrendered at time of redemption. Selection may vary by store location. Offer valid at select U.S. Bath & Body Works stores through May 3rd, 2013. Offer not valid at BathandBodyWorks.com and Bath & Body Works stores in Canada.

Thanks Hip2Save and Free Stuff Times!

There’s a new printable coupon from Coupons.com for $1.00 off any Breathe Right product 10ct or larger! To snag this coupon, just click here to be directly taken to this coupon.

This coupon has an expiration date of: June 30, 2013

Remember, you can print two coupons per computer.

There’s a new coupon from Coupon Network for $2.00 off when you buy any ONE (1) Glade® Sense & Spray® starter kit. Remember that there are only a limited number of prints, and to print this coupon if you want it. Also, you can print up to two of the same coupons per computer.

This coupon has an expiration date of: June 30, 2013

There’s a new coupon from Coupon Network for $1.00 off when you buy any TWO (2) Glade® Automatic Spray refills. Remember that there are only a limited number of prints, and to print this coupon if you want it. Also, you can print up to two of the same coupons per computer.

This coupon has an expiration date of: June 30, 2013

There’s a new coupon from Coupon Network for $1.00 off when you buy any ONE (1) Glade® Décor Scents® holder, ONE (1) twin refill, or TWO (2) single refills. Remember that there are only a limited number of prints, and to print this coupon if you want it. Also, you can print up to two of the same coupons per computer.

This coupon has an expiration date of: June 30, 2013

There’s a new coupon from Coupon Network for $1.00 off when you buy any ONE (1) Glade® PlugIns® Scented Oil warmer or starter kit. Remember that there are only a limited number of prints, and to print this coupon if you want it. Also, you can print up to two of the same coupons per computer.

This coupon has an expiration date of: June 30, 2013

There’s a new coupon from Coupon Network for $1.00 off when you buy any ONE (1) Glade® PlugIns® Scented Oil twin refill or TWO (2) single refills. Remember that there are only a limited number of prints, and to print this coupon if you want it. Also, you can print up to two of the same coupons per computer.

This coupon has an expiration date of: June 30, 2013

There’s a new printable coupon from Coupons.com for $1.00 off One Gluten Free Cafe Frozen Entree! To snag this coupon, just click here to be directly taken to this coupon.

This coupon has an expiration date of: December 31, 2013

Remember, you can print two coupons per computer.

Looking for a personalized gift for Mother’s Day, or some other occasions? York Photo is offering up another great deal for new customers where they can snag a FREE Personalized 11 oz Photo Mug + $5.99 shipping. Note that shipping costs may vary by region though. To take advantage of this deal, just use promo code MYMUG at checkout.

In addition to this awesome deal, new customers can also snag 40 FREE Prints upon registration. Awesome!

You won’t receive free shipping unless you spend $25 to qualify for Super Saver Shipping, or you can sign up for a FREE 30 day trial of Amazon Prime. You’ll get your items shipped in as little as two business days, and you can cancel anytime in your account settings.

Here’s the deal:

Buy (3) Gevalia Coffee 12 oz Bags ($6.49) = $19.47
Use (3) $1.50/1  GEVALIA Coffee coupon
Final Price =$9.97 for 3 or $3.33 per bag after coupons & $5 Target Gift Card!

Thanks Totally Target!

Thanks to Living Chic on the Cheap for helping with the list.

NOTE: Amazon prices do tend to change without warning, so make sure to double check the price before heading to checkout.

______________________________________________________________________________________________________

Fiction

Mystery, Suspense & Action

My Name Is Hardly

Stranger in Town

This Doesn’t Happen In The Movies

Music Box Dancers

Romance

Bulletproof Woman

Indiana Wild

Come Be My Love

Paranormal, Fantasy & Science Fiction

No Shoes, No Shirt, No Spells

A Night Of Secrets

Tribesman

Discovering Ren (Book 1)

Christian, Religious & Historical

Where’s My Son?

Of Love and Laughter

The Beloved Daughter

Contemporary

Chicken Suze

Classics

The Red Badge of Courage

Children’s

Wiggle Wiggle Boooooom!

Goodnight Farm Animals

Luna, The Night Butterfly

Tiddlywink the Mouse

Cougar Cub Tales:The Sneezy Wheezy Day

Captain Jack And Treasure Island

Preteens

The Case of the Bedridden Bunny

Young Adult

Maid for Me

ORBS: A Haunting at the Claxton Mansion

This Year at Home (A Short Story)

Secrets: The Hero Chronicles (Volume 1)

Werelove Omnibus Edition

Non-Fiction

Sewing Tutorials: Sewing Books with Sewing Patterns For Beginners Series

The Big Book of Craft Interviews

Paracord Bracelets & Projects: A Beginners Guide

Cookbooks

Breakfast Mug Menus: Quick & Easy Meals for Everyone

20 Super Easy Smoothie Recipes for Kids!

Caveman Family Favorites

What makes this deal sweet is that you can use this voucher towards sale items, so you should be able to snag quite a few items on the cheap. Shipping is FREE once you spend at least $50 worth of items too! For even more savings, don’t forget to sign up for The Body Shop’s Rewards Program to save an extra 10% off all qualifying purchases! It costs $10 to join, but it does offer extra perks like $10 on your birthday to spend, an extra 10% off all qualifying purchases, exclusive members only offers, and you can accumulate points towards rewards! You can use your future rewards to pay your membership too!

• Head on over HERE to purchase a voucher(s) for $10 for $20 Worth Products at The Body Shop.
• Sign up for The Body Shop’s Rewards Program. This will aid you in saving more money!
• After checkout, head on over to The Body Shop’s Groupon page which will help explain how to redeem your purchases.

The Fine Print: Expires Jun 29, 2013. Limit 3/person. Limit 1/visit. Ships to U.S. only. Valid only at The Body Shop US boutiques or online at www.thebodyshop-usa.com. May use w/ “Love Your Body Club” discount. Not valid toward purchase of gift cards. Not valid w/ other promotional coupons or offers.

Note that you don’t have to use these just on Mother’s Day deals since these vouchers are good until June 30, 2013. You can also use these vouchers for multiple transactions AND it can be applied towards shipping and tax costs!

• Purchase Protection:

Shop with your Serve® Account and you can help protect eligible purchases against accidental damage or theft for up to 90 days from the date of purchase.

• Roadside Assistance:

When your car breaks down, we can send help your way for towing, winching, flat tires, battery boost, fuel delivery, or emergency lock-out*.
*Available in the United States, Canada, and Puerto Rico.

• Entertainment Access:

Enjoy access to presale tickets, reserved seats, and behind-the-scenes experiences in certain cities when you use your Serve Card from American Express.

To find out more info, just click the image to find out more info. Once I get the hang of this new card, I’ll post an update!

If you’re looking to cut your costs on printer ink, you should take a look at Combo Ink! I discovered them sometime last year when I went to Walmart to purchase ink, and realized I was paying $50 just for two cartridges! I wanted to find a place where I could purchase printer ink and not spend an arm and a leg, because I was burning through my ink fast with printing coupons.

There prices are consistently lower than most places I’ve shopped at online and offline, and they offer some of the best deals on ink. And right now, you can go shopping at Combo Ink and save an extra 12% off your total when you use promo code APRIL12 at checkout. And, you’re orders are shipped for FREE once you spend $50 AND they charge no sales tax!

Food/Beverage

• $1.00 off 2 HORMEL NATURAL CHOICE products
• $1.00 off 1 PLANTERS NUT?rition Sustaining Energy
• $0.75 off 1 PLANTERS Honey BBQ or Multipack Peanut
• $0.75 off 3 LARABAR, UBER OR JOCALAT bars
• $0.50 off ONE Green Giant™ Veggie Snack Chips
• $0.50 off TWO BOXES Fruit Flavored Snacks
• $1.00 off TWO Pillsbury Refrigerated Cookie Dough
• $0.75 off Blue Diamond Almond Breeze 1/2 Gallon
• $1.00 off TWO BOXES General Mills adult cereals
• $0.50 off ONE BOX Cocoa Puffs cereal
• $0.50 off ONE BOX Original Cheerios cereal
• $1.00 off TWO BOXES any flavor Cheerios cereals
• $0.75 off ONE BOX Fiber One cereal
• $1.00 off SNICKERS Peanut Butter Square Miniatures
• $1.00 off (1) Starbucks VIA Ready Brew
• $0.55 off any Reser’s Deli Salad
• $0.55 off Bridgford Frozen Rolls or Bread

Personal Care

• $1.00 off any (1) Garnier Fructis Styling Product
• $1.00 off any 1 (one) Curel Moisturizer
• $1.00 off 1 GARNIER FRUCTIS Shampoo or Conditioner

Entertainment

• $0.50 off on All You Magazine
• $2.50 off The Sandlot Blu-ray™ + DVD Combo
• $5.00 off any MAD MEN season 1 – 5 DVD or Blu-Ray

Misc.

• $15.00 off a FoodSaver Vacuum Sealing System
• $2.00 off a FoodSaver Heat-Seal Bag or Roll
• $3.00 off ONE AmeriGas Propane Cylinder Exchange
• $2.00 off any Citracal product
• $1.00 off any TWO Glade Sense & Spray refills

Curcumin is derived from the herb turmeric. It requires a reduction of 60 parts of turmeric to get one part of Curcumin. Then 20 parts of Curcumin are reduced to one very powerful and effective Curcuminoid which is the most powerful and active ingredient for chronic and acute pain relief.

Thanks Freebie Shark!

There’s a new printable coupon from Coupons.com for $0.75 off ONE Welch’s Light Juice Beverage! To snag this coupon, just click here to be directly taken to this coupon.

This coupon has an expiration date of: July 30, 2013

Remember, you can print two coupons per computer.

There’s a new printable coupon from Coupons.com for $0.55 off any ONE (1) Hefty Zoo Pals Product! To snag this coupon, just click here to be directly taken to this coupon.

This coupon has an expiration date of: September 30, 2013

Remember, you can print two coupons per computer.

There’s a new printable coupon from Coupons.com for $1.00 off ONE (1) Wisk Power Blasts! To snag this coupon, just click here to be directly taken to this coupon.

This coupon has an expiration date of: May 31, 2013

Remember, you can print two coupons per computer.

There’s a new printable coupon from Coupons.com for $5.00 off Chasing Mavericks on DVD or Blu-ray! To snag this coupon, just click here to be directly taken to this coupon.

This coupon has an expiration date of: May 26, 2013

Remember, you can print two coupons per computer.

There’s a new printable coupon from Coupons.com for $5.00 off Life of Pi on DVD, Blu-ray, 3D Blu-ray! To snag this coupon, just click here to be directly taken to this coupon.

This coupon has an expiration date of: May 26, 2013

Remember, you can print two coupons per computer.

There’s a new printable coupon from Coupons.com for $2.00 off (1) REMBRANDT Toothpaste or Mouthwash! To snag this coupon, just click here to be directly taken to this coupon.

This coupon has an expiration date of: June 28, 2013

Remember, you can print two coupons per computer.

There’s a new printable coupon from Coupons.com for $5.00 off one REMBRANDT Whitening Kit or Strips! To snag this coupon, just click here to be directly taken to this coupon.

This coupon has an expiration date of: June 28, 2013

Remember, you can print two coupons per computer.

Here is an example of some of their high value coupons that you can print right now:

• $1.25/2 Popsicle Products
• $0.50/1 Welch’s Refrigerated Juice Cocktail
• $0.50/1 Welch’s 100% Grape Juice or Blend
• $0.75/1 Welch’s Light Grape Juice Beverage
• $0.90/1 French’s Dijon Mustard
• Buy 2 Comet 2x Bleach Powder, Get One Free

After the 30 day trial period is over, you’ll pay just $3 per month to maintain your membership. You will need to enter a credit card when you sign up for the 30 day trial but it will not be charged unless you decide to continue on with the membership after the 30 day period. If you do not feel that it is worth the extra $3 per month, you can cancel at anytime.

There’s a new printable coupon from Coupons.com for $1.00 off 2 JENNIE-O Turkey tray pack products! To snag this coupon, just click here to be directly taken to this coupon.

This coupon has an expiration date of: June 28, 2013

Remember, you can print two coupons per computer.

There’s a new printable coupon from Coupons.com for $1.00 off JENNIE-O Marinated Turkey Tenderloin! To snag this coupon, just click here to be directly taken to this coupon.

This coupon has an expiration date of: June 28, 2013

Remember, you can print two coupons per computer.

There’s a new printable coupon from Coupons.com for $0.55 off two JENNIE-O Turkey Franks products! To snag this coupon, just click here to be directly taken to this coupon.

This coupon has an expiration date of: June 28, 2013

Remember, you can print two coupons per computer.