$15??? Really? Wow. Thanks for posting!!!!
Will this work if I already downloaded it and am using the free trial? I'd love to get it for $15 but don't want to lose all the work I already put into my budget.
Awesome, thank you! Now where to move $15 from in my budget for this month? LOL.
you can remove Steam as soon as you get your activation key. It is safe, I've been using Steam for almost a decade. It's very well-known among computer video game players. It is a little bit of a hassle, but I consider the hassle well worth the $45.
Thankfully, we have continued to put money away in savings and have it to cover vacations and emergencies...so no new debt. But 2015 is here and it's time to alter our approach to spending and paying down debt! 
I really need to dump some debt in 2015. 2014 was off to a good start but we took several big hits that we weren't expecting and it really derailed a lot of our plans.
Not included in our 2014 budget was:
- having to spend almost $3,000 on surgery, travel, and vet bills for our cat to fix an ulcer on his eye that our regular vet screwed up and misdiagnosed. 6 months after that, we spent another $1,000 on the cat to find out he had cancer in his pancreas and had to put him to sleep. So, $4K on a cat that we don't even have anymore
- my husband ended up needing his wisdom teeth pulled after all these years plus he needed an MRI on his chest. Those cost us several thousand dollars we weren't expecting this year.
- i got pregnant, which I wasn't expecting and so we've spent right much money getting ready for baby, setting up nursery, etc.
- my car transmission went out and I had to get that replaced.
- we added a teenage driver to our insurance. (We knew this was coming, but it ended up costing a little more than I expected it to). Now, he has already had an accident so we are paying for unexpected car repairs.
It just seemed like it was hit after hit after hit in 2014. Hard to save money and pay off debt when each month it seemed liked something big happened.
Of course we will have extra baby expenses in 2015, but I'm hoping that we don't take so many hits in 2015 and can actually work towards paying down debt and replenishing our savings. We need a good year and I need to figure out where to start!
Wow, this is a lot to get dumped on a family. I can give you one little tip that might help. We also added a teen driver and even though he doesn't have a car for himself, just having a young driver in the house added a lot to the insurance. We had AAA at the time so we shopped around and switched to GEICO. They offer a defensive driving course that offers a small discount on the premium for the next 3 years. I was going to get it for ds17 but the Geico agent said it would also help if dh & I take it since we're the main drivers on the policy. The DD course was only $20 through Geico but AAA had it for around $30. If you're not affiliated with either just google accredited courses in your state. The google search results seem geared toward drivers who have had suspended licenses or DUI but really anyone can take it.
I took it online and it really wasn't bad and knocks about $40/year off. I figured if all 3 of us do it, it still saves more than it costs and since the discount applies for 3 years.
Dh's work has offered it a few times to their drivers with a CDL to save $ too but his certificate has expired and they haven't offered it lately.
Congrats on the new baby!
