Frugal Coupon Living

Debt Payoff Tracker Printable

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December 26, 2020 by Ashley at Frugal Coupon Living Filed Under: Facebook, Frugal Living, Instagram, Pinterest, Printable, Social Media Leave a Comment

Create a budget and set a game plan with these Debt Payment Tips. Using a debt payment calculator and debt payoff tracker printable template, pay down debt so you can declare you are debt-free!

Debt Payment Tips with Debt Payoff Tracker

We have a Christmas Gift for you. Everyone wants to spring into the new year (especially after 2020), with a fresh start! Can I get a nod? We pulled our Debt Payment Tracker from our Busy Mom Binder to bring you this New Year’s Organizational Printable gift.

I wanted to share with you a few Dave Ramsey quotes. These money inspirational quotes about money might be empowering enough to kick your but the start of this new year.

“We buy things we don’t need with money we don’t have to impress people we don’t like.” (The Total Money Makeover)

“If you will live like no one else, later you can live like no one else.”

“A budget is telling your money where to go instead of wondering where it went.”

“Live like no else today, so you can live like no else tomorrow.”

How Do I Track My Debt Payoff

Let’s get started. How do I track my debt payoff? The quick and easy answer is a debt tracker PDF. However, it will be futile to began a debt payment tracker without knowing how to get started.

To track you debt payoff you need to set a budget, know helpful tips, and calculate your debt. With a debt calculator, you will then have a debt payment plan to began your journey of being debt free.

Debt Payoff Tips

There are a few debt pay off tips to consider when beginning this process.

Create a budget
Maintain a Debt Progress Tracker
Pay more than the minimum balance
Put a halt on your credit cards
Spend cash only (where you can) Start with a Cash Envelope Wallet.
Take a no spend challenge while you payoff debt
Have a friend hold you accountable
Set small goals
Have a reward at the end goal

When you feel you are going to cheat, have a mantra. A mantra is a a statement or slogan repeated frequently. For example, when I am watching what I am eating, before I pick up that OREO, I tell myself “beach body.” It reminds me for the look I am going for.

The same can be true with spending habits. Before you spend, have a mantra. Before you swipe the credit card or pull out that wallet, say “act your wage” (another Dave Ramsey quote.) Make the quote your own. You could say “family vacation” (a small reminder of your reward at your end goal!)

What will your debt payoff mantra reminder be?

Debt Payoff Calculator

Want to find out how quickly you could be debt-free? Dave Ramsey is an excellent resource. Use this Dave Ramsey Debt Calculator. Answer five questions about your different debts. Based on your answers and national research data, find the estimated amount of time it will take you to pay off your total debt.

Debt questions include…

What is the balance on your credit card(s)?
What is the balance on your car loan(s)? What are you monthly payments?
What is the balance on your student loan(s)? What are you monthly payments?
What is the total of any other non-mortgage debts you have not listed?
What is your total household income?

After answering these Debt Calculator questions, see your total debt as well as the plan to help you pay it off fast. In many cases your debt payment plan will not be a race, it will be a marathon. Remember, slow and steady wins the race. Pace yourself and discipline yourself to stay within your budget and on your debt payment tracker plan.

Debt Payment Tracker

Once you know your total debt and have a payment plan, having a debt tracker template will help you see your progress and results. Download our debt payoff chart PDF. For this debt payoff visual printable, use the results of your debt payment calculator to began your progress.

Can’t wait to hear you shout “We are debt free!”

Debt Payoff Tracker Printable

Download our Free Printable Debt Payoff Worksheet PDF . Subscribe and look for a link and password in our inbox. The password allows you to access and download all of our free printables.

1.) Enter your email address HERE.

2.) Confirm the email request in your inbox.

3.) Look for the link and passcode in your inbox to get your free debt payment tracker printable.

By downloading you are accepting the terms that this is for personal, non-commercial use. Please contact Frugal Coupon Living with any questions.

I am happy to share printables. When sharing with others, please lead them to my website instead of emailing them the file(s). It takes time, effort and money to put the freebies forth and I earn when you visit. Thanks for visiting and thanks for sharing with others!

How to Print at Staples

If you want to print all of these printables from a copy service center, I have a video to show you how I print my PDF documents at Staples. First, sign in or create a Staples account. Next, return to the Staples Printing Service Page. and go to Documents Printing. Follow the steps from there.

Our Pinterest community and I would love to see how this worked out for you. Share your Debt Payoff Tracker Progress. Leave a comment and/or add a photo here on Pinterest!

Money Savings Challenge Printables

We have more money savings challenge printables to accompany the new year challenge. Take a look at our No Spend Month Tracker, Savings Goal Tracker for Kids, and 52 Week Savings Plan Challenge.

30-Day No Spend Challenge

Take a look at our 30-Day No Spend Challenge with creative ideas to not spend over the weekend! Turn spending habits into savings habits with this month long No Spend Challenge. Download your no spend tracker and get an bonus checklist of No-Spend Weekend Ideas printable.

Kids Savings Tracker

We also want to share our Kids Savings Tracker. This two page free Savings Tracker Printable for Kids includes a coloring page. Download this coloring sheet and color as you progress. You child will save $5 a week for a total of $175 by the time they finish the savings challenge.

52 Week Savings Challenge

If your kids are saving, you take the challenge too. Print our 52 Week Savings Challenge. This 52 Week Savings challenge is a printable PDF you can download and start following in the new year. n one year’s time you could save $2620.

The Busy Mom Binder

This Busy Mom Binder has been been our families life saver. Our family command center on our kitchen island. The binder includes Password Keeper, Weekly Meal Plan (with grocery list), Babysitter Notes, Daily & Weekly Chores Checklist, Kids How to Clean My Room Checklist and (of course) our Debt Payment Tracker Printable just to name a few.

More Home Organizational & Money Savings Printables

Its’ a new year. Take a these twenty (plus) Home Printables to Get Organized for The Year Year.

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.

Valentine Home Decor Ideas

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December 26, 2020 by Ashley at Frugal Coupon Living Filed Under: Crafts, DIY, Facebook, Home Improvement, Instagram, Pinterest, Social Media, Valentine's Day

Valentine Home Decor Ideas

We love the festivity of Christmas but when January rolls around, we are ready to rid our home of clutter and decoration and go to something more simplistic. These Valentine Home Decor Ideas are still sweet and sentimental but not over the top. Bring home the warm and loving ideas into your nest for this February season. Don’t forget our Valentine’s Day Mantles too!

Valentine Home Decor Ideas:

Make a fun Valentine’s Day Countdown | No Biggie

Have fun decorating the warmest part of your home like this Valentine Mantlescape | Adventures in Decorating

Set a Valentine’s Day Table | One Good Thing by Jillee

This is a cheap and frugal decoration – Paint Chip Garland | Chic Cheap Nursery

Look at this frugal decoration too. DIY Kiss Artwork | Style Me Pretty

Cute for you and your honey, make a You and Me Tree | Three Scoops of Love

Warm up a side table like this Valentine Newsprint Vignette | Atta Girl Says

Have fun with this easy, burlap wreath | Frugal Coupon Living

Adding touches of red to your home paints a beautiful Valentine vignette in your home| Talk of the House

These paper heart tree cones are precious and festive for February | I Gotta Create

These Mason Jar doily decorations are so sweet and romantic. How lovely would they be with a flame-less candle? | The Pleated Poppy

This Valentine’s Day Candy Jar is fun and I love this hack to take up space | No Biggie

We also like these candy heart vases to hold candles | Amanda Jane Brown

This felt garland is precious and so easy – we love the rainbow | Say Yes

Speaking of garland, how precious is this Valentine garland made form a deck of cards? | CountryChiq

Cupcake liners dispersed with doilies can make the sweetest garland too! | All Things Simple

When making a Valentine table, fold your napkin into a heart | Piccadilly Restaurants

For something beautiful, mix candy M&Ms and tulips | Evolution of Style Blog

Give your front lawn a heart attack with paper candy hearts on a stick | The Dating Divas

Additionally line the walkway with sidewalk chalk hearts | Frugal Family Fun

This simple Valentine mantle-scape with pom pom garland is beautiful | The Diary of Dave’s Wife

Take a stab at this Valentine chalkboard art – Love is in the air! | Source Unknown

We also love this other design of Valentine chalkboard art | Source Unknown. These chalk handlettering books are helpful.

Repurpose a Christmas tree into a Valentine’s Day Tree | The Seasonal Home

Keep the touches simple like these heart sticks in old ginger ale glasses | Murrills Pearls of Wisdom

Did you ever make tin lanterns growing up? These Valentine tin lanterns are fun with the kids | Bren Did

Looking for a centerpiece? Grab a red vase or pitcher and have fun with sticks from your yard – too cute | Simply Kierste

You could always go overboard with the red balloons to decorate a space too! | Flaviolavanini

Decorating? Get inspired by these 14 Inspiring Valentine Mantel Ideas. Pin to Pinterest.

Check out these Valentines Wreath Ideas. Pin to Pinterest.

Also check out these Kids Valentine’s Day Food Crafts. Pin to Pinterest.

Goldfish Hooked On You Valentine

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December 26, 2020 by Ashley at Frugal Coupon Living Filed Under: Crafts, Pinterest, Printable, Valentine's Day 14 Comments

Goldfish Hooked On You Valentine – free printable for Valentines’ Day. Gift with America’s favorite snack, tiny orange fish!

Goldfish Hooked On You Valentine

Do you need a cute non-candy Valentine to pass out for your child? Well, who can resist a bag of Valentine’s treats that smile at you? An adorable alternative to candy for Valentine’s Day this cute printable and treat idea ideas is perfect for classmates, neighbors, or family. Use any variety of goldfish you prefer, sweet or salty. I personally love the look of the traditional little orange guy! For less than $10 you can make enough bags for an entire class, and don’t forget the teacher! Simply print the bag topper and let your little one help you to fill the bag, assemble and go! Anyone your child comes in contact with in the course of day to day would appreciate one of these bags; bus driver, crossing guard, room mom, teacher, principle, or even a ballet or karate teacher.

Supplies:

Hooked on You Printable (see below)
Goldfish
4×6 Cellophane bags (available at Hobby Lobby and Michaels)
Stapler/staples
Cardstock

Directions:

Print off the FREE Frugal Coupon Living bag topper HERE on cardstock for a sturdier topper, 4×6 is a perfect size for bags.
Cut topper out of cardstock using scissors or a paper slicer – I use mine for scrapbooking but if you do any paper crafts at all its a great item to have on hand, one like this does just fine.
Fold topper in half, creasing the middle.
Scoop ¼ to ½ cup of goldfish into bag, roll down to keep fresh, seal with a small piece of tape.
Place bag topper over bag and secure with 2 staples.
Repeat till you have enough for the entire class!

Get this Goldfish Valentine and all of Frugal Coupon Living’s Free Printables. Enter your name and email address and we will send you a link and password for access to your free downloads.

By downloading you are accepting the terms that this is for personal, non-commercial use. Please contact Frugal Coupon Living with any questions.

I am happy to share printables. When sharing with others, please lead them to my website instead of emailing them the file(s). It takes time, effort and money to put the freebies forth and I earn when you visit. Thanks for visiting and thanks for sharing with others!

Don’t forget the teacher. Take a look at these 20 Teacher Valentines! Pin to Pinterest.

Collect your valentines with these DIY Valentine Mailbox Ideas. Pin to Pinterest.

Ready to party? Enjoy our 28 Days of Kids Food Crafts. Pin to Pinterest.

We love freebies! Don’t forget the FREE Printables for Valentine’s Day – Pin to Pinterest.

Valentine Wreath | Valentine’s Day Decor for Your Door

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December 26, 2020 by Ashley at Frugal Coupon Living Filed Under: Crafts, Facebook, Instagram, Pinterest, Social Media, Valentine's Day 2 Comments

DIY Valentine Wreath Crafts – Adorable Valentine’s Day Decor Ideas for Your Door.

Valentine Wreath Ideas

Nothing welcomes a guest more than the front door. The front door is the first impression visitors get to your home. While the inside might be quite chaotic (mine is), while every closet might be stuffed to the brim with “stuff” (mine are), a wreath states “I am merry, welcoming, and this house is festive and fun.” It truly can tell a false story and is the number one reason I swear by a holiday wreath on my door – false impressions.

Boy I sound like I carried some of Grinch with me over from Christmas! It really is my dry humor… read on…

Consider these Valentine’s Day Wreaths to be the Facebook post that gives the social media facade. My home is beautiful. My home is kept. Let me invite you into my home.

Wise tip for keeping a false impression: You never have to open the door more than a crack.

Whether you have a February wreath for a false sense of what is inside or you have a heart wreath because you are the hostess with the mostess (yes, we know you), follow these Valentine Wreaths for inspiration this February.

… and thank you for staying with me this far!

Valentine’s Day Wreaths

We could not find the source of this Valentine Wreath, but we simply love it. Pink roses, eucalyptus, black and white buffalo check ribbon (wire is best) and pink gingham ribbon.

Add some cheer to your front door with this pretty love notes DIY Valentine’s wreath. Not only is it easy to make the supplies only cost about $30 – far cheaper than a store-bought wreath!

See how easy it is to create a simple and elegant Valentine’s Day Hoop Wreath that can be quickly transformed for every holiday and season! | Lydi Outloud

We have a classic Valentine Wreath made with a clothes hanger – yep! Your everyday, dry cleaning hanger!

This handmade felt heart garland has been used to decorate the entire home for Valentine’s Day including the front door valentine wreath! | Bless this Mess

At first, I thought these were cotton balls, but nope! This is a Pom Pom Heart Valentine Wreath. Get the hot glue gun! | Honey Bear Lane

Candy. Heart wreath form. Curling Ribbon. These supplies equal a Candy Valentine Wreath. | Crazy Little Projects

Doesn’t this round wreath with a heart wreath inside look beautiful on a red door? | The Speckled Dog

Not interested in making and want to buy? This Etsy Valentine’s Day Wreath is cute. | Ashley Nicole Designs

Speaking of Etsy, we really loved this Boxwood Heart Wreath (Privileged Door) but were a little sticker shocked. Since this is Frugal Coupon Living, we managed to find another green Farmhouse Heart Wreath for Valentines’ Day.

Michelle is such a crafty queen! When I saw her Fabric Strip Valentine Heart Wreath I thought it would be challenge. You guys… It isn’t! | Crafty Morning

See, I told you Michelle was a rock star. That wreath got your attention, how about this Dollar Tree and Dollar General Valentine Wreath. | Crafty Morning

We tried to find the tutorial for this Boxwood Wreath tutorial with hearts, but we could not. What we suggest you do is purchase a boxwood wreath you can keep year around and then use Dollar Tree glitter hearts and insert the sticks into the base of the wreath. Easy. Peasy.

Loops, loops and more loops make this Dollar Tree Valentine’s Day wreath. Make sure your ribbon is wired! | My Pinterventures

The name of this blog is How to Make a Burlap Wreath – of course, they would give us a cute Valentine Burlap Wreath!

Scarp cardboard from a shipping box and red card stock paper make this Valentine Wreath! | Blooming Homestead

Make a statement or have a conversation with this Conversation Hearts Valentine Wreath. A lot of conversation hearts needed. | Crafts by Amanda

Use a grapevine wreath form and chevron fabric to make this festive Valentine Wreath. | Tatertots and Jello

DIY Reversible Valentine’s Clothespin Wreath – an easy do-it-yourself wreath made with clothespins, festive colorful paper, and beautiful Valentine’s Day embellishments. | Kitchen Cents

This cross arrow Valentine wreath feels a little Waco to me – sorta like Chip and Joanna Gaines farmhouse design. | Polka Dot Poplars

Remember that Rosemary Christmas Wreath we made? Turn that same concept into a Rosemary Heart Valentine Wreath. | Making in the Moutains

AMAZON

Decorating the home? Take a look at these Inspiring Valentine’s Day Mantles. Pin to Pinterest.

Save these Valentine Home Decor Ideas. Pin to Pinterest.

14 Inspiring Valentine Mantel Ideas

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

December 26, 2020 by Ashley at Frugal Coupon Living Filed Under: Facebook, Home Improvement, Instagram, Pinterest, Social Media, Valentine's Day 4 Comments

Enjoy these Valentine’s Day Decor for your home with a focus on fourteen inspiring Valentine Mantel Ideas – Happy Valentine’s Day!

14 Inspiring Valentine Mantel Ideas

Have you cleaned up your Christmas decorations? Before I had kids, and maybe when I only had one, my Christmas decorations were always put away by the New Year. Every year and with each additional child, the date became later and later. This year, with the expected delivery of the twins, we decided to go very slim on decorations. I just couldn’t handle the babies coming and getting everything put away.

Anyways, moving on from the holidays of last year and onto the first holiday of the new year – Valentines Day! Last year you guys loved our Valentine Home Decor Ideas. This year we wanted to go a step further with a focus – Valentine Mantel Ideas. I think if you are going to decorate any piece of your home, at least get the mantel. If you can’t get to anything else in the home for that season, no big deal. The mantel is the staple of most homes and having it decorated allows you to feel as if you didn’t slack. If you are doing more than just the mantel, take a look at our Valentine Home Decor Ideas for insight.

Happy Valentine’s Day!

How awesome is this Valentine Mantel Idea? I love the empty frames with mini heart wreaths in the middle. I find this mantel so eclectic using every item in her home that incorporates love. | My Blessed Life

My favorite thing of this Valentine Mantel Idea is the Deck of Cards Garland – we all could do that with a few simple fabric scraps too! I’ts a Valentine fireplace you would be so proud of. Adorable! | Happiness is Homemade

This Valentine Mantel Idea was made with everything from Oriental Trading Company! I love the hearts that are flying off the fireplace onto the wall. | Oriental Trading Company and Design Improvised.

Love is in the air with this Valentine Mantle Inspiration. How sweet is that sparkly tassel garland and XOXO banner? You can even make your own felt heart wreath. | The Crafting Chicks

I love the touches of blue in this Valentine Mantel Idea. Not even intended for Valentine’s Day, don’t those pillows pop?! Also isn’t that heart so creative? It looks like it was made from molding or baseboard! | Remodelando La Casa

This particular blogger was a little worn out post holidays and decided to only decorate the mantel. In that, she also wanted everything simple and clean! | Random Thoughts

I love everything about the pastel colors in this Valentine Mantel Idea. The focus was mint, pink and peach. Did anyone notice the light box? | Craftaholics Anonymous

Keep the mantel toasty without burning down the home – how cute is that chalkboard fire? We also love the simplicity of this paper heart garland. The touch of tulips brings a hope of spring! | Adventures in Decorating

How much does this Valentine’s Day Mantel Pop? This blogger used everything in her home, bought nothing (and with one hand – read her blog to see how!) She inspires me to start looking around my own home! | Serendipity Refined

Valentine’s Day is all about love and how about this bible verse form 1 Corinthians 13? That can easily be made with a chalkboard in your home. I love the red on this chalkboard – perfect for Christmas and then for Valentine’s Day! | Positively Splendid

Simple, simple, simple – four vases each with a single red flower! Stand out instead with your Valentine Bouquet! I think this flower bouquet has an old ice cream churn for a vase!| Home Talk

Love is in the air! Decorate your old window pane with some Valentine Love! Fill jars with red hearts or even conversation hearts! | Craftaholics Anonymous

I get you have a boa laying around the house! If you do, this would be an easy way to decorate a Valentine’s Day Fireplace! We think jars of candy hearts would be a sweet touch. | Decor Chick

What is black and white and red all over? This! How festive is this black, white and red Valentine fireplace? As a bonus, you can replicate it because you can print the banner for free! | Tatertots and Jello

We have more Valentine decor for you. Take a look at these Valentine Home Decor Ideas. Pin to Pinterest.

Check out these Valentines Wreath Ideas. Pin to Pinterest.

Also check out these Kids Valentine’s Day Food Crafts. Pin to Pinterest.

We love these FREE Printables for Valentine’s Day. Pin to Pinterest.

Valentine You Make My Heart Pop Printable

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December 25, 2020 by Ashley at Frugal Coupon Living Filed Under: Crafts, Facebook, Instagram, Kids, Pinterest, Printable, Social Media, Valentine's Day Leave a Comment

This is an adorable punny valentine. “Valentine You Make My Heart Pop” printable. Grab this free and instant download and have fun gifting your homemade popcorn valentines.

Valentine You Make My Heart Pop Printable

Valentine You Make My Heart Pop!

I love pun and I love Valentines. This adorable valentine collides two of my favorite things. This valentine is very affordable and easy to make. It’s also unique. It provides something salty to an otherwise Valentine mailbox that may be filled with sweets! You could also use this printable in our Valentines’ Day Popcorn Recipes! Just spread out the recipe into individual Ziploc bags and tie the tag on the bag with red and white twine.

Popcorn Valentine Supplies:

Red and White Twine
Tape
Popcorn Bags
Valentine You Make My Heart Pop Printable (see below)

Popcorn Valentine Directions:

It doesn’t take much to create this adorable popcorn valentine.

First, get your Valentine You Make My Heart Pop Printable (below.) You can print at home on cardstock, or we like to order from Staples. Cut out your valentines.

Second, spread out individual bags of popcorn. One bag for each Valentine.

I then took tape and curled it to make it double side. This allowed me to center my Valentine You Make My Heart Pop Printable on my bag of popcorn.

Once that was centered, I took red and white twine and tied a ribbon around the popcorn. I liked to give it a few wraps to give it a pop of color and texture.

Enjoy!

Get this Popcorn Valentine and all of Frugal Coupon Living’s Free Printables. Enter your name and email address and we will send you a link and password for access to your free downloads.

By downloading you are accepting the terms that this is for personal, non-commercial use. Please contact Frugal Coupon Living with any questions.

I am happy to share printables. When sharing with others, please lead them to my website instead of emailing them the file(s). It takes time, effort and money to put the freebies forth and I earn when you visit. Thanks for visiting and thanks for sharing with others!

I like to order my prints at Staples. It saves on ink and is only a few short miles from my home. I pick-up at the store, but of course you can upload them online and then have them shipped to your home.

Adorable punny valentine. 'Valentine You Make My Heart Pop!' Grab this free printable and have fun gifting your homemade popcorn valentines. #FrugalCouponLiving #valentine #printable

To Order Your Printables at Staples*:

Download and save your image from this post. (Please note these images are for personal use only and cannot be sold or used for commercial use.)
Sign in or create a Staples account on their print service page.
Return to Staples print service page.
Go to Start Project.
Go to Documents Printing.
Select the Buy Now Button under color.
On the left column, select your file.
Select upload.
Select done.
Give your job a name.
Make sure your project is single sided. The orientation should be landscape.
I changed my media to 8.5×10 and the media to 67 lb coverstock (I prefer a cardstock feel over printer paper feel.)
Select add to cart.
Proceed to checkout. My total was $0.17 for one print. You can choose to ship to your home or to pick up at your local store. Pay online and show your invoice when you pick up (I just show the order number on my phone at pick-up.) The order invoice will arrive in your email inbox.
Enjoy!

*Note: these Staple print service steps were added in Winter 2019 The directions may change as the website changes. They should give you a general outline of how to upload and order a print on Staples.com.

Don’t forget the teacher. Take a look at these 20 Teacher Valentines! Pin to Pinterest.

Also enjoy these Free Printables for Valentine’s Day. Pin to Pinterest.

Make your own Valentines with these 28 Printable Valentines for Kids. Pin to Pinterest.