I’m Basically a Genius – Here’s Why (Hint: It involves Pumpkin Spice Lattes)

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If you’re a lady in the U.S. there’s a good chance that you go ape at any mention of Pumpkin Spice Lattes from Starbucks. If you’re not in the U.S. then I’m sure you’ve heard allllllll about them all over the internet because (they’re delicious!) every year when the weather starts getting even the teeniest, tiniest bit chilly that’s all anyone can talk about. These Pumpkin Spice Lattes have pretty much got us all under their spell.

These limited-time, seasonal drinks have already been out for a bit this season but, I’ve got to tell you, I felt like quite the genius (it doesn’t take much;) when I thought up a way to save about $2.50 per drink.

Alright, so a medium, Pumpkin Spice Latte is about $4.50. That’s a lot of money…especially if you think spending money on fancy coffee drinks is a waste of money, which I do.

So, what’s a girl to do? Well, this is what. Order your coffee, and then have them put the pumpkin spice syrup in the coffee! Sure, it’s not exactly the same but it’s close! You get the flavor you want, AND you get to save 40%-ish on your coffee. That’s win-win if you ask me.

Also! If you like vanilla lattes then just have them put vanilla syrup in your coffee. Just a heads-up they do charge .50 for the syrup.

Do you have an expensive coffee drink habit? Think this is a trick you might start incorporating? Got any other tricks/tips that you can share with us?

16 comments

in Practical Solutions, Social, Things To Do
The Pay Off Debt App + Giveaway!

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This is a sponsored post but, as always, my opinions are my own. Thanks for supporting the companies that help make this site possible. – Anna

Awhile back I shared Jackie Beck’s story of how she and her husband got out of $147,000 in debt (!!! nuts, right?!). They were persistent and committed to the process of getting out of debt and, not surprisingly, it worked!

Jackie has created a great app that is appropriately called: Pay Off Debt . Pay Off Debt is an iPhone and iPad app that has helped tons (tens of thousands) of people pay off debt by using the snowball method.

Let me tell you, I really wish this app was around when I was going through my Spending Fast and Spending Diet (not that I had an iPhone then but still…) because it would’ve made it so nice to see the progress I was making and how far I had come. I also would’ve really enjoyed seeing how my pay off date was changing based on the aggressive payments I was making every month. I think that would have been so fun to see it getting closer and closer!

There’s even a feature with the app that let’s you email your snowball information to yourself. I would’ve printed out my progress reports every month, and taped them all over my house, so I could be simultaneously thrilled and horrified/motivated at how far I had come, and how far I had yet to go.

 

Here are some my favorite features that the app offers:

  • You can prioritize your debts in the way you prefer (lowest balance, highest interest, or you can select a custom order)
  • You can see your planned debt-free date, and then compare and contrast how long it’d take to pay off all debts if you weren’t using the snowball method.
  • You can view progress bars for motivation and encouragement!
  • It takes interest rates into account when calculating estimated time left.
  • It takes taxes and insurance (escrow) into account when adding a Mortgage/HELOC type debt.
  • It lets you change the additional amount you have available to put toward the first debt in your snowball at any time.
  • It lets you set payment reminders to appear when the app is running, if desired, and then once the due date has passed, the reminder will no longer appear.
  • You can select your currency: dollars, euros, pounds, yen or a custom currency.

 

Jackie also mentioned that she often gets asked why the app costs $2.99 instead of offering it for free. She said that the reason it isn’t free is because she doesn’t want to have ads on the app, and she didn’t want to have it set up to cost $10-$15/month for a subscription type of service in order to access all of the features. She said she would much rather just sell the app up-front for a few bucks, and get on to helping people get out of debt!

 

Jackie is giving away a copy of the iPhone/iPad Pay Off Debt app to 3 readers! To enter leave a comment below, saying how you would feel if you were debt-free!

 Be sure to fill in the appropriate email, name, etc., fields so we can contact you if you win. The giveaway will end on Friday, October 17th at 5:00pm MST. Good Luck!

a Rafflecopter giveaway

**Update 10/14/14 Apologies to Jackie. In the original post I mistakenly called the app by the wrong name. It has now been corrected.

58 comments

in Sponsored
Out of Sight? BUY MORE! (No don’t)

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We were cleaning out the kitchen cabinet, and realized that we have 2 or more of a lot of things that we don’t need 2 or more of.

I don’t see everything we own so I think we don’t have what we need so then we buy whatever it is again, and then we don’t realize what we’ve done until we go through things again!

We have:
– 3 containers of counter wipes
– 3 bottles of dish soap
– 2 bottles of hand soap
– 2 massive sponges
– 2 bottles of toilet bowl cleaner
– 2 bottles of multi-purpose non-toxic concentrate cleaner
– 2 containers of wood floor solution

Morale of the story: clean out the cabinets more often, keep similar items together so you can easily see what you have, look in your cabinets before you before you buy, remember what you own, keep in mind that you tend to forget what you have (talking to myself).

4 comments

in De-Clutter, Enough (Crap, Debt, Guilt), Things To Do
  • Anna

    Hi, I'm Anna! I paid off close to 24k in debt in only 15 months & it completely changed my life! I want you to have a debt-free life too so here you'll be able to read all about: How to do a Spending Fast®, saving & making more money, DIY's, & a lot about living awesomely with less. Let's do this!

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