Frugal Coupon Living

Stretching Your Pennies, Saving Your Dollars

Dave Ramsey Financial Tips – Your Credit Score

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by Filed Under: Beginners

published date: June 17, 2010
modified datt: June 17,2010

If you’ve followed me for any length of time, you know I’m a fan of Dave Ramsey’s approach to financial freedom. And of course, the reason I write this blog and live a frugal lifestyle is ultimately to help others get and/or stay out of debt.  It is my honor to help you in any way I can – I’m here for you!

In his recent article HERE, Dave explains why a credit score is not really something you should use to determine your financial wealth since it is solely based on your debt history. Your credit score is based on five things:

* 35% of your score is based on your debt history.
* 30% is based on your debt level.
* 15% is based on the length of time you’ve been in debt.
* 10% is based on new debt.
* 10% is based on type of debt.

If debt is something you are trying to get rid of, then this type of scoring obviously does not work to determine your financial wealth. But many believe that you can’t buy a house without a good FICA score. Dave says this is not so. You can do so using Manual Underwriting. Read more about in the article link above!

The road to financial freedom includes dumping debt, saving (which includes investing when you can) and paying CASH! Don’t forget that the money available to you on credit is not your money – it’s theirs – and there is no financial freedom in that! Isn’t that what we’re all after?!

I hope that the tips and resources that are provided on this blog are helping you reach your financial freedom goals!

For more about Dave Ramsey, visit his web site HERE.

Note: Get a FREE Credit Score from all three credit bureaus HERE (see bottom right) or HERE. Get more resources by Dave Ramsey HERE.


WHAT’S TRENDING? Looking for a few engaging activities? Grab Minute to Win it Games – Traditional, Holiday, Group, and more! Use these fun activities in the office, classroom, or at your next birthday party.

Clean and Clear – $5 Coupon

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by Filed Under: Coupons

published date: June 17, 2010
modified datt: June 17,2010

When you Join the Surge HERE (to make a difference) and Clean and Clear will email you a $5 printable for Clean and CLear Morning Burst Surge Power Cleanser. Could make a really great deal.

Thanks, Keri Lyn


WHAT’S TRENDING? Looking for a few engaging activities? Grab Minute to Win it Games – Traditional, Holiday, Group, and more! Use these fun activities in the office, classroom, or at your next birthday party.

TODAY – Jamba Juice $1!

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by Filed Under: Restaurant, Today Only

published date: June 16, 2010
modified datt: June 16,2010

It’s not too late!  Head into your local Jamba Juice store on Wednesday, June 16th and get a Super Yumberry, Berry Yumberry, Acai Super-Antioxidant, Pomegranate Pick-Me-Up, or Pomegranate Paradise smoothie for just $1!

Not valid at Safeway, Vons, or Pavillions locations.

Click HERE to find a Jamba Juice location by you.

What a great Summer Pick-Me-Up!


WHAT’S TRENDING? Looking for a few engaging activities? Grab Minute to Win it Games – Traditional, Holiday, Group, and more! Use these fun activities in the office, classroom, or at your next birthday party.

All You Magazine – July Coupons

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by Filed Under: All You

published date: June 16, 2010
modified datt: June 15,2010

If you don’t subscribe to All You Magazine, you are missing a hot magazine. Loaded with over $40 in coupons each month, many months close to $70, it is worth it when couponing. I actually have two coming to my home each month!  That makes it ideal for B1G1 sales.

You can have a look on Amazon to see some reasonable pricing.

2 years – $34 ($1.42 an issue)

1 year – $19.95 ($1.66 an issue)

6 months – $10 ($1.67 an issue)

Get a copy HERE.

July Issue Coupons

$1.00/1 Earths Options by Raid
$1.00/1 Colgate Pro Clinical Toothpaste
$.75/1 Colgate Toothbrush
$1.00/1 White Cloud Green Earth Paper Towel or Bath Tissue
$2.00/1 Rimmel Bronzer
$1.00/1 Sunsilk Shampoo, Conditioner or Style Product
$1.00/1 Borden Cheese Singles Sensations
$1.00/1 Infusium 23 Product
$1.00/3 Edy’s, Skinny Cow or Haagen-Dazs Cups
$1.00/1 Haagen-Dazs Item (14oz or larger)
$2.00/1 Jimmy Dean Country Breakfast Casserole
$1.00/1 Jimmy Dean Pancakes & Sausage Minis
$.75/1 Viva Paper Towels, 2-pack or larger
$1.00/2 Lean Cuisine Market Creations
$.50/1 Tetley Tea Box
$1.00/1 Fast Fixin’ Product
$1.25/1 Fast Classic Chicken Bag
Buy (2) Starkist Tuna Pouch Products, Get (1) Tuna Salad or Creation Pouch FREE
$1.00/1 Contessa MicroSteam or On the Stove Meals
$2.00/1 Green Works Laundry Detergent
$.75/1 Green Works Cleaning Product
$4.00/1 Schick Quattro for women or Intuition Plus Razor or Refill
$2.00/1 Schick Disposable Razor
$2.00/1 Nature Made Sleep Aid
$.50/1 Colgate Wisp, 4-ct or more
$1.00/1 Cottonelle Toilet Paper, 12-pack
$.50/1 Cottonelle Fresh Moist Wipes Tub
$1.00/1 Midol Product
$5.00/1 Nature Made TripleFlex Supplement
$1.00/1 Chips Ahoy! Made with Reese’s or Heath
$1.00/1 Brut Product
$5.00/1 NUK Gentle Flow Manuel Breast Pump
$1.50/1 NUK Breast Feeding Product
$1.00/1 Jack Link’s Jerky Item
Save $1.00 when you buy All You Magazine August Issue & Any Nivea Body wash
Save $1.00 when you buy All You Magazine August Issue & Any Eurcine Lotion
Save $1.00 when you buy All You Magazine August Issue & Any Glade Product
Save $1.00 when you buy All You Magazine August Issue & Any Windex Outdoor Kit
Save $1.00 when you buy All You Magazine August Issue & Any Dr. Scholls for Her

WHAT’S TRENDING? Looking for a few engaging activities? Grab Minute to Win it Games – Traditional, Holiday, Group, and more! Use these fun activities in the office, classroom, or at your next birthday party.

FREE Sample – Galaxy Granola

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by Filed Under: Free, Samples

published date: July 01, 2010
modified datt: June 15,2010

Head over HERE to get a FREE Sample of Galaxy Granola Bars. 1,000 are given away each month, so I wanted to post this at the beginning of the month to increase your chances of winning!

Galaxy Granola bars are all natural and up to 70% lower fat than other granola bars. Choose Vanilla Almond or Not Sweet Vanilla.


WHAT’S TRENDING? Looking for a few engaging activities? Grab Minute to Win it Games – Traditional, Holiday, Group, and more! Use these fun activities in the office, classroom, or at your next birthday party.

Update on Gap – 40% Off, 25% Off, FREE S&H

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by Filed Under: Online Shopping

published date: June 15, 2010
modified datt: June 15,2010

Update: Today and tomorrow (Tuesday/Wednesday) get FREE S&H when you spend $100 on Gap.  Use the code GAPSHIP until 6/16 11:59 PM ET.

Head over to Gap and shop many of their sale items. Some items are up to 40% off. Card holders (of Gap, Old Navy, Banana Republic) can get an extra 25% off with the coupon code GAPCARD25.

Have a look on Gap.


WHAT’S TRENDING? Looking for a few engaging activities? Grab Minute to Win it Games – Traditional, Holiday, Group, and more! Use these fun activities in the office, classroom, or at your next birthday party.

Reminder Teachers – $1.99 Meal at Applebee’s

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by Filed Under: Education, Restaurant

published date: June 14, 2010
modified datt: June 14,2010

This actually looking like a no-go. How about what you guys have found?

Attention Teachers (the rest of you let your teachers know!) Applebee’s Teacher Appreciation day is Tuesday, June 15. This day is nationwide at Applebee’s locations. Teachers bring in a valid ID and get one of five entrees for $1.99. Choose amoung Oriental Salad, Bacon Cheeseburger, Fiesta Lime Chicken, 7oz Sirloin, or the Three Cheese Chicken Penne Pasta. There is also $5 drink specials drink specials – since when does the drink cost more than the meal?
Please call your local location a head of time!

Thanks, Meghan.


WHAT’S TRENDING? Looking for a few engaging activities? Grab Minute to Win it Games – Traditional, Holiday, Group, and more! Use these fun activities in the office, classroom, or at your next birthday party.

Jamba Juice $1!

This post may contain affiliate links or ads. Read my privacy policy and disclosure policy here.

by Filed Under: Restaurant

published date: June 14, 2010
modified datt: June 14,2010

Head into your local Jamba Juice store on Wednesday, June 16th and get a Super Yumberry, Berry Yumberry, Acai Super-Antioxidant, Pomegranate Pick-Me-Up, or Pomegranate Paradise smoothie for just $1!

Not valid at Safeway, Vons, or Pavillions locations.

Click HERE to find a Jamba Juice location by you.

What a great Summer Pick-Me-Up!

WHAT’S TRENDING? Looking for a few engaging activities? Grab Minute to Win it Games – Traditional, Holiday, Group, and more! Use these fun activities in the office, classroom, or at your next birthday party.