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who Will win $10,000?
Join our participants as they reduce debt and increase savings with the help of Summit financial coaches.
TOTAL SAVINGS INCREASE: $16,789 | TOTAL DEBT REDUCTION: $17,882

staying dynamic
Betsy and Noah
I have been feeling guilty about not finding success with some of the ways we have worked on saving money. After letting that feeling sit for a while and spending some time thinking about it, I’ve cut myself some slack and thought about how I’m glad we’ve tried various ways of saving and I’m glad we’re find ways that work for us.
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Cash Boomerang
Betsy and Noah
Noah and I have been Summit Credit Union members for many years and it is a nice bonus to receive Cash Boomerang,* which is a cash reward based on your relationship with Summit. This year, we are enjoying it more than ever because we have control of our accounts. In years past, we would be notified that the Cash Boomerang had been deposited and then a familiar scenario would play out – Noah and I would each figure the Cash Boomerang into our spending, thereby spending more than we were given and which would be another reason our account would be haywire.
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Unlocking Benefits Leads to Significant Savings
Betsy and Noah
There seem to be an endless number of offers from every corner of the economic universe designed to help me save money. The only caveat – I need to sign myself up for yet one more thing. One more credit card, add $11 more to my cart to get that $7 shipping for free, subscribe and save. The offers are endless, and in some cases, probably a great deal. However, one of the very first things we did when entering Project Money was to organize our finances, which involved dropping subscriptions, getting rid of credit cards, and reducing online spending.
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digging deeper
Betsy and Noah
Project Money is seven months long. At the beginning, I thought that seemed like a very long time, but the longer we’re in it, I begin to see some good reasons for a long contest.

One reason is that we have a coach to encourage us and keep us accountable, not just as we’re onboarding and learning new organizational and lifestyle skills, but through this intermediate time, as those new skills become habits and are absorbed into our new identity. By the time it ends, we won’t be in financial training wheels, we’ll be riding comfortably.
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odds and ends
Betsy and Noah
I thought I would start out with a quick update on my no-spend challenge and what I have learned from it. First, I will say I did not make it through the whole month and that is okay. I went two weeks with my only spending being for gas. This past week, I spent money on things that were budgeted for and that is not cheating as far as I can tell. However, there was a get-together for a friend that required me to dip into my personal spending account to cover food, drinks and entertainment. I took the opportunity to think about what I wanted to bring and how much I wanted to spend.
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Name Brand Debate
Betsy and Noah
As the kids are getting older, they have more specific ideas about what clothes they would like to wear. While it is encouraging that our teenager is taking an interest in his appearance, that also means that name brands are important to him. No matter how much we talk about how name brands are expensive and that the higher cost does not correlate to higher quality, he still wants them. Instead of just saying no to the clothes he wants, we try to work with him so that he can figure out a solution.
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