If you had asked me this question a few years ago, my answer may have been something like… well… um, I try to use a budget. Sometimes. But the real, honest answer was, "no." I have always been a good sale shopper – especially when it comes to groceries, but I was more of a paycheck to paycheck person. Sad, but true. Not a lot of debt, but not a lot of savings either. And then my life changed.

I got a new job and realized that not a lot more was going into savings than before I got my new job. What? How was that possible? For some reason something in me clicked and I realized that I was going to have to make some changes. Bigger changes than just getting another job. But, I had no idea what to do. I knew a budget was a good idea, but I really didn't know how to do it or even where to begin.

I am an online person and so that is where I turned for resources. The first online stop I made was a financial site set up by my Church. I think that a lot of churches have financial counseling and I was happy to find that mine had some great online resources. They even have a budget worksheet that got the ball rolling for me. Immediately I began to see my life take a turn. I was watching every penny and I felt more in control than I had ever felt financially.

The next thing that happened was that I discovered PYP! It was pretty much love at first sight! I learned how to coupon (and learned it was a verb!) and to pinch my pennies even more with awesome online deals and other tips I got at this great website.

One discovery I made while reading the PYP forums was DAVE RAMSEY. A lot of PYPers would discuss the lessons they had learned from Dave and it made me want to know more. I went out and subscribed to his podcast and purchased his books. The one I learned the most from was Financial Peace – but they are all good. Dave has a system that is simple to follow and has "changed my family tree." I am currently debt free with a good emergency fund in place. My savings are growing and best of all – I have financial peace!

So, do you budget? If not, are you ready to commit?

I just heard that today is the last day for the $19.99 Newspaper Deal with the Salt Lake Tribune and the Deseret News. This is a SUPER hot deal! You can get up to 8 copies of the paper for $19.99 each!!! It is the week-end edition: Friday, Saturday and Sunday.

Details:

1 paper: 19.99
2 papers: 39.98
3 papers 59.97
4 papers 79.96
5 papers 99.95
6 papers 119.94
7papers 139.93
8 papers 159.92

Email me at utahshoppingsecrets@gmail.com to get started!!

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