Old Navy: Kids Uniform Polos only $3.40, plus more!

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Old Navy: Kids Uniform Polos only $3.40, plus more!
This post may contain affiliate links. Read my disclosure policy here. Still needing some school clothes? Old Navy has kids uniform polos for only $3.40! Right now, Old Navy is offering up to 60% off kids back to school clothes! Plus, today only, you can get an extra 15% off your order when you use the promo code EXTRA at checkout! Here are some deals you can score… Get Boys or Girls Uniform Polos for just $3.40 after the promo code! Get Boys Jeans for just $6.80 after the promo code! Get Girls Jeans for just $6.80 after the promo code! Choose free in-store pickup to avoid shipping costs. Valid today only, August 21, 2019. Thanks, The Krazy Coupon Lady! [...]
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ESL Teachers: Here’s What You Need to Know About TEFL Certifications

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ESL Teachers: Here’s What You Need to Know About TEFL Certifications
English is the language of the global business world, which means demand for English teachers is high while requirements to teach remain relatively low, especially so abroad and even more so online. In recent years, scores of online certification companies have sprouted up to train soon-to-be English teachers, offering credentials in what’s called Teaching English as a Foreign Language (TEFL) or Teaching English to Speakers of Other Languages (TESOL). For our purposes, they’re interchangeable. “This is a very, very rapidly growing industry,” said Jessie Smith, a former English teacher in South Korea and Vietnam who now works at the International TEFL Academy. “The demand can’t really be put into words.”  Teaching English as a Second Language (ESL) online is a welcomed side gig for many. Teachers get to set their own schedules, connect with students around the world and rake in between $15 and $25 an hour teaching premade lessons.  Not bad for a part-time, entry-level position. But before you sign up — and pay — to obtain TEFL certification online, here’s what you need to know. What to Consider Before Getting a TEFL Certification Online You might be ready to start shopping for TEFL providers, but do this first: Determine your goals as an ESL teacher. “You owe it to your students to be a good teacher, to be a trained teacher,” Smith said. “You need to be prepared professionally, mentally.” Why Do You Want to Teach ESL? Do a quick pulse check. Ask yourself what you plan to accomplish as an ESL teacher. Do you want a career change? A lucrative side gig? To travel and work in other countries? Your answer will determine what type of TEFL certification you’re going to need.  For career changes, proper education is always a good idea. Colleges and universities are big providers of TEFL certifications, and some degrees even include them. If you don’t have a degree in TEFL, the University of Cambridge and Trinity College provide the most comprehensive certifications — referred to as the CELTA and the Trinity, respectively. These programs are only offered in-person. (Full disclosure: I earned a CELTA before teaching English abroad. It was the most intense program I’ve ever experienced.) But if you’re eyeing a temporary side gig, you may not want to shell out the money for an expensive, in-person certification to teach ESL online. Almost all accredited TEFL certifications will require an in-person component, usually a 20-hour teaching practicum at a local language center or school. However, as members of ESL advice forums will tell you, most online employers don’t check or require accredited certifications with in-person practicums (for now). Lastly, one of the most effective ways to earn money while traveling is by teaching English abroad. Requirements vary by country, though it’s good to have a bachelor’s degree plus an accredited TEFL certificate with a teaching practicum. Latin American and Southeast Asian countries have laxer rules and may not require a degree or a TEFL certification. FROM THE MAKE MONEY FORUM Private tutor 8/20/19 @ 1:27 PM How Can Someone Living in the Heart of Africa Make Money Online? 8/20/19 @ 1:23 PM Passive Income 8/9/19 @ 1:07 PM Extra Income 4/10/19 @ 3:01 PM B See more in Make Money or ask a money question What Does it Take to Become TEFL-Certified? The majority of programs simply require that applicants are 18 years old or older and have a high school diploma. Native English fluency isn’t required, as TEFL certifications are popular credentials for foreign English teachers as well. But a high level of English fluency is required to participate in top-tier programs (C1 or IELTS Band 7, for the ESL nerds). Programs may vary slightly, but quality programs should include at least 120 hours of coursework with 20 hours dedicated to hands-on teaching to foreign-language-speaking students. These lessons should be observed by a qualified ESL professor. CELTA and Trinity programs are graded on a pass/fail basis while some online hybrid programs may include quizzes and a passing score of 60%.  How Much Do TEFL Certifications Cost? Depending on what program you choose and what your goals are as a teacher, costs will range widely. A fully online TEFL certification can run for $9 on Groupon, but you should know that it’s unaccredited. Online ESL teachers tend to purchase Groupon programs simply for a certification code that they add to their job applications, which can boost hourly pay toward the $25 mark. But if you plan to teach in person or long-term, skip the bargain bin programs. Pro Tip Plan to teach English in person? Get a TEFL certification with an in-person practicum to boost your confidence and gain real-world teaching experience.  The “brand name” TEFL certifications, aka the CELTA and Trinity, run between $2,000 and $3,000. These programs are internationally recognized and are more suited for career ESL teachers. Most accredited TEFL programs are usually half that price: around $1,100. “A true, university-level TEFL class could not possibly run under $1,000,” Smith said. How Do You Know If a TEFL Certification Online is Legit? Online TEFL providers are everywhere. They’re quick. They’re cheap. And most of the time, they’re unaccredited. Some companies aren’t transparent in their accreditation, which means they probably aren’t legit. In some program listings, you’ll see the words “self-accredited,” Smith said. “Which — needless to say — means just about nothing.” Price is another factor. The cheaper the price, the higher the chance the program is unaccredited. That doesn’t mean, however, that expensive programs are automatically legit. Shady providers can just as easily charge more money to give an air of quality. If the program costs hundreds or thousands of dollars, confirm that it’s run by an experienced professor and that the company holds a recognized accreditation.  The most popular accrediting bodies for TEFL programs are: Accrediting Council for Continuing Education and Training (ACCET) British Council Chartered College of Teaching (formerly College of Teachers) Training Qualifications U.K. (TQUK) The World TEFL Accrediting Commission Popular accredited TEFL providers include: Council on International Educational Exchange (CIEE) International TEFL Academy International Open Academy University-run TEFL programs, including the CELTA and Trinity You owe it to your students to be a good teacher, to be a trained teacher. You need to be prepared professionally. The list is by no means exhaustive. If you stumble upon a program that you’re unsure of, search the website for an accreditation seal or license number. Still unsure? Contact the accrediting body directly to confirm that the provider is legit. If you’re only shelling out $9, you may decide it’s not worth your time. But if you come across an expensive TEFL program that isn’t mentioned above, be sure to check for accreditation.    Most accrediting bodies require TEFL providers to include a practicum to receive accreditation. One notable exception is International Open Academy’s TEFL program, which is fully online. The Penny Hoarder confirmed with [...]
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Your Guide to the American Airlines Award Chart

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Your Guide to the American Airlines Award Chart
When it’s time to cash in your AAdvantage miles for an award flight, you’ll want to understand how to make your rewards go farther. Here’s everything you need to know to get the most out of all those hard-earned miles. Award types Before we dig into the details of American Airlines’ various award charts; one important caveat: The... Alisha McDarris is a writer at NerdWallet. Email: travel@nerdwallet.com. The article Your Guide to the American Airlines Award Chart originally appeared on NerdWallet. [...]
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Field & Stream Magazine Subscription Discount

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Field & Stream Magazine Subscription Discount
Snag a great deal on a subscription to Field & Stream Magazine! FIELD & STREAM MAGAZINE SUBSCRIPTION DISCOUNT Now through 8/21/19 (11:59 pm EST), you can score Filed & Stream Magazine for as $4.99 per year!  That is a savings of 85% off the list price! Add a subscription for one, two or three years to ... Read More about Field & Stream Magazine Subscription Discount The post Field & Stream Magazine Subscription Discount appeared first on Penny Pinchin' Mom. [...]
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5 Important Industries to Watch Now

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5 Important Industries to Watch Now
wavebreakmedia / Shutterstock.com Investing can be a great way to build wealth over time. The trick is figuring out where those investment dollars will do the most good. There are no sure things, but it’s possible to add a little growth to your portfolio by looking a sectors that are doing well, have future potential or even just have some good buzz. One way to take advantage of current and... [...]
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7 Books I Finished in July

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7 Books I Finished in July
Want to know what books I finished in July? In 2019, I’m sharing the books I read each month and what my honest thoughts were on those books. If you love books, you don’t want to miss this post! (You can see all of my book reviews for this year here.) I set a goal to finish 80 books in 2019 and a second goal that 40 of those books will be books I already own. (You can see which books I picked to read from those I already own here). By the way, I’m truly loving using GoodReads to track my reading. You all were right! It is really motivational to see my progress! And I’ve been ahead on my goal for the last month! I finished 7 books in June —- yay! Here’s what I read + my honest thoughts on each of the books: Becoming Mrs. Lewis I am so conflicted on what to say about this book. On the one hand, it was a very well-written story that was pretty captivating, but on the other hand, I struggled to like it. It’s the unconventional love story of C.S. Lewis and his wife. It was both beautiful and tragic and not at all what I expected. I wanted to like it, but I just couldn’t. Some of that was because I think there was too much fiction woven in and I didn’t know what was fact and what was fiction — and that bothered me. Some of it was because I was concerned with Lewis’ relationship with Joy when she was still married. If it were true, from my vantage point, it felt like it crossed some lines of emotional attachment that shouldn’t happen between two people when one of them is married. If I could tie up this review with a bow, I would. But I can’t. Because I just don’t know what to say or think about this book. Have you read it? If so, please let me know what you thought of it. And please let me know if you disagree with me and why! I really wish I could be persuaded to like it. Verdict: 3 stars Begin Again This book moved me at a deep level. While I felt like sometimes I wasn’t poetic enough to understand the depths of what was being communicated. It felt so raw and honest and vulnerable and yet so beautiful and rich and inspiring. I didn’t want it to end. Two of the quotes that were the most meaningful to me: “We don’t get to the truth while we’re deeply invested in what’s false.” “God’s story is a narrative of emancipation.” Of all the books I read in July, this was my favorite… thus, the 4-star verdict. Verdict: 4 stars Preach to Yourself I wanted to love this book and I did love many parts of it. But I felt like it was hard to slog through at times. Some of the chapters felt really long and drawn out. And yet, some of the sections were so powerful and so important. For instance, this passage is GOLD: “Many of us — maybe all of us — don’t live what we say we believe… We say we depend on God, but we act like we’ve got to make it happen on our own. We say we believe God can heal, but we’re walking around with decades-old wounds. We say we believe God is at work, but we’re asleep at the wheel of the one life He’s given us.” So, despite some of the chapters feeling longer than necessary, this book has some very valuable stuff and is worth the read. Verdicts: 3 stars Last Christmas in Paris This book had been recommended to me as one to read since I loved The Geurnsey Literary and Potato Peel Society. It’s the love story of a soldier at war and his friend’s sister at home. They began writing letters just to keep each other company. But slowly, ever so slowly, it morphed into more. It’s a fairly slow-developing story, but there is a lot of history woven throughout and I learned quite a bit about World War I. (I realized I have read a lot about World War II, but very few books about World War I.) The book is epistolary, which means the story is told through letters and telegrams. I found it fascinating in the afterward to discover that the authors wrote the bones of this book as actual letters back and forth. Verdicts: 3 stars It’s Not Supposed to Be This Way Lysa always has a way with words to penetrate your heart and challenge you, while also drawing you in with her funny and authentic story-telling. For some reason, though, unlike her others books I’ve read, I felt like this book was missing something. I’m not sure if it’s because she wrote it while still very much in the midst of the story that is a big story arc for the book or if it was something else. I couldn’t put a finger on it. I do feel like the book would be a real encouragement to someone who is going through a difficult time when life feelings overwhelming, hard, and just doesn’t make sense. Verdict: 3 stars Kind is the New Classy This is a quick read (or listen) and definitely had some valuable content. However, I have to admit that I was sort of turned off by how the author seemed to drop in unnecessary details that just felt kind of prideful. I know that we all come at things differently and only God knows someone’s heart, however, I hadn’t said anything to Jesse about this and was listening to the book when he was in the room and he picked up on this same thing, too. I think there is a lot of helpful inspiration in this book, I just struggled to love it because I kept getting hung up on the presentation. Verdict: 3 stars Beauty Maker Monica asked me if I would write an endorsement for her brand-new book. Since I love her work, I said yes! Here was the endorsement I wrote after reading it: In Beauty Maker, Monica invites us on a journey to cultivating more beauty — in our surroundings and in our souls. Her words inspired me to prioritize taking time to create more beauty in our home and to prioritize taking time to be a noticer of the beauty that is all around me. My favorite part of the book? The rich and yet simple photos that showcase how Monica lives out her message in her everyday life. Verdict: 3 stars Important & Super Honest Note: I’m kind of not wanting to hit publish on this post. Why did I ever commit to writing honest reviews of all the books I read anyway?? I want to be truthful, but I also want to be kind and gracious… and I struggled with how to strike that balance well in my reviews today. I want you to know that I’m not going to sugarcoat my feelings, but I also know that authors are real people who have put so much effort into their books that it’s hard for me to write reviews that feel like they lean toward being negative. Ugh. This is the part of my job that is so hard sometimes. If you felt I didn’t communicate graciously or you are the author of any of these books and you felt hurt by what I wrote, please let me know. This is an area where I’m still a big work in progress and I don’t want to offend or hurt anyone if I can help it! What have you been reading recently? Any books you think I really need to read soon? I’d love to know! [...]
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6 Things to Know About United Lounges

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6 Things to Know About United Lounges
When it comes to airport lounges, there are many options for travelers. If you’re evaluating which lounge will be the best for you, here’s what you need to know about United Airline lounges. 1. United lounges are everywhere It’s not hard to find a United Airlines-associated lounge, especially if you’re flying first or business class... Amanda Johnson is a writer at NerdWallet. Email: travel@nerdwallet.com. The article 6 Things to Know About United Lounges originally appeared on NerdWallet. [...]
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5 Moves to Make If Your Kids’ Extracurriculars Are Busting the Budget

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5 Moves to Make If Your Kids’ Extracurriculars Are Busting the Budget
Extracurricular activities are great for children. They help kids learn new things and perfect their skills. They provide opportunities to bond with peers and a constructive use of time. They look great on college and scholarship applications. But all that enrichment comes at a cost. And these nonessential additions to the household budget can be expensive to keep up with — especially when you have multiple children with multiple interests. Huntington Bank and Communities in Schools’ 2019 Backpack Index estimates extracurricular fees average about $150 for elementary students, $250 for middle school students and $350 for high school students. Of course, there are parents who spend much more. A 2017 Capital One poll found that over a third of those surveyed planned to spend more than $1,000 per kid on extracurricular activities for the school year. If the cost of after-school activities concerns you, consider these ways to make them more affordable. 1. Turn to Government or Nonprofit Programs Before signing your kids up for private music lessons or a traveling sports league, check to see if there are similar offerings located at or sponsored by your local: School Church Library system YMCA Boys and Girls Club Police Athletic League Girl Scouts/Boy Scouts United Way Salvation Army City or county parks and recreation department Community college 2. Ask About Discounts Be thrifty and save where you can by asking the activity provider about discounts. Is there a trial period where you kid can take a class or two for free before signing up for the season? Can you get a discounted rate for being a returning participant, enrolling more than one child or recommending another family to sign up? Some programs offer a reduced rate if you register before a certain date, if you sign up for a package of sessions or if you volunteer to coach. Others offer scholarships or set their prices on a sliding scale based on income. You might want to ask if the organization will allow you to set up a payment plan rather than requiring all the money upfront. Pro Tip Check discount sites like Groupon or Living Social for current deals on activities. 3. Reduce the Associated Costs of After-School Activities The cost to enroll your child in an activity is rarely the only expense you’ll encounter. Equipment, supplies, uniforms, fundraisers, travel and performance tickets can greatly increase your investment. Find ways to lower these additional costs whenever possible. Arrange a carpool with team members. Buy secondhand equipment and attire. Limit the family members who attend smaller performances throughout the year, and save up so everyone can attend the major show at the end of the season. 4. DIY Your Extracurriculars Your kid can get the benefits of participating in an activity without it being a formal program that you pay for. Consider your children’s interests and figure out how to pursue them on an individual scale. If your kid is into music, hit up YouTube for free tutorials. There are tons of cooking blogs with detailed recipes for those who want to master baking. Your library may provide free access to software to learn a foreign language. Tap into your network of family, friends and neighbors to expose your child to different pursuits. Commit to teaching their kids about a skill you’ve mastered in exchange. It might be a bigger investment in time, but you can save a lot of money by creating your own means of developing your child’s interests. FROM THE SAVE MONEY FORUM Travel Tips, anyone have any to share? 8/13/19 @ 10:27 AM For those Who do not drive, what is the cheapest way to get around? 8/15/19 @ 9:55 PM M How to save when grocery shopping 8/15/19 @ 10:43 AM Acorns 8/14/19 @ 2:00 PM See more in Save Money or ask a money question 5. Talk to Your Kids About Making Sacrifices There may be times where you simply have to say no to your kid’s request to enroll in another extracurricular activity. If you don’t have the funds and you’d have to charge expenses on a credit card, you should reevaluate things. Parents never want to put financial stress on their kids, but it’s okay to be up-front about the limitations of your budget. This might mean having your kids choose one sport to commit to rather than two, or asking if they prefer dance lessons over vacationing at the beach next summer. If you have teenagers, get them to contribute to their extracurricular expenses with money from babysitting, mowing lawns or a part-time job. Depending on the activity, you can challenge your child to turn their hobby into an entrepreneurial pursuit — like selling handmade bracelets at local festivals or giving piano lessons to younger kids. Nicole Dow is a senior writer at The Penny Hoarder. She’s a parent who’s always looking for ways to save money. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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This Week’s $70 Grocery Budget + Menu Plan

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This Week’s $70 Grocery Budget + Menu Plan
Want to see what we bought for this week’s $70 grocery budget? I’m currently challenging myself to stick with a $70 budget for our family of five. This includes almost all of our breakfasts, lunches, snacks, and dinners + most household products (toiletries, laundry soap, etc.). For live updates, be sure to follow my Instagram Stories. See all posts on my $70 Grocery Budget here. Because of our traveling the last 4 weeks, I haven’t posted our grocery budget + menu plan posts. It feels good to be back to it now that school has started and we’re back into the swing of a more normal routine. Speaking of school starting, here’s a real-life photo from the first day: Kathrynne headed out to a 4-day back to school camp (her school starts with an all-school 4-day camp!), Silas all ready for his first day in his uniform, and Kaitlynn sporting a thermometer because she had a low grade fever and had to stay home. I couldn’t believe this HUGE cart full of egg noodles marked down to $0.69 each at Kroger this week! But I didn’t buy them because Kroger has Private Selection on pasta for $0.50 when you buy 5 participating items. Kroger Shopping Trip #1: Kroger breakfast links — free with coupons from Kroger mailer 2 canisters of breadcrumbs — on closeout for $0.47 each Kroger peanut butter — free with coupons from Kroger mailer A&W Cream Soda — free with coupon mailed to me Quest bar — free with Freebie Friday coupon 1 can Kroger green beans — marked down to $0.29 2 cans of hominy — marked down to $0.29 each Turkey Hill Tea — marked down to $0.39 Kroger broth — marked down to $0.69 3 boxes of Kroger toaster pastries — marked down to $0.59 each 1 bag of peppers — marked down to $0.99 1 cantaloupe — marked down to $0.99 1 bag of onions/avocados — marked down to $0.99 1 can Simple Truth green beans — marked down to $0.49 1 package of egg roll wraps — marked down to $0.49 2 bags of Blue Corn chips — $0.99 each when you buy 5 participating items 1 package of Oscar Mayer hot dogs — $0.99 each when you buy 5 participating items 2 bags of Goldfish — $0.99 each when you buy 5 participating items 4 packages of Private Selection pasta — $0.50 each when you buy 5 participating items 1 box of oatmeal — used $0.40/1 Kroger digital coupon = $1.09 after coupon Total with tax: $18.95 Kaitlynn and I flew to Portland, Maine for me to speak at the Food Allergy Blogger’s Conference. One of the best parts of speaking at food blogging conferences? The BEST gift sacks full of yummy food and snacks from sponsors! Kroger Shopping Trip #2 Kroger whole wheat flour — marked down to $1.69 Brown rice — marked down to $1.19 3 packages of Eckrich sausage — $1.69 each when you buy 5 participating items 5 packages of cheese — $0.99 each with Friday-Saturday deal 2 boxes of Cheerios — $1.49 when you buy 5 participating items — used $1/2 Kroger digital coupon = $0.99 each Bag of grapefruit/lime juice — $0.99 Tub of lettuce — marked down to $1.79 1 dozen cage-free eggs — $2.50 1 back to school brownie bites — marked down to $2.49 Total with tax: $25.09 Sprouts Shopping Trip Bartlett Pears — $0.95 3 18-oz. cartons of blueberries — $1.98 each Peaches — $1.09 Water — $1.98 Total with tax: $10.64 BigLots Shopping Trip 2 bags of chips — $0.25 each 2 double packs of English Muffins — $1.40 each 4 packages of Keebler cookies — $0.25 each 4 to-go cups — $0.25 each 4 bags of peanuts — $0.25 each Total with tax: $7.26 I couldn’t believe the great deals we found at BigLots! It reminded me of the Christian County Discount Freight & Grocery last week! What We Ate This Past Week Note: When you see the meals below, please remember this: I buy ahead often. Which means that when I find a great deal on something I know we’ll use, I buy as much as I can afford in our budget to have on hand. This means that you aren’t going to see all of the groceries my shopping trip that I used to make all of the meals we ate. Please also remember that I’m putting this out there and it’s not a perfectly balanced menu. This is just really what we ate — and I hope that it encourages you to see the real-ness and lack of perfection here. Breakfasts: Cereal, Homemade Granola, Toast, Cantaloupe, Yogurt Lunches: Ham Sandwiches, Granola Bars, Yogurt, Capri Sun, Salad, Leftovers, Fruit, Snacks: Cookies, Popcorn, Ice Cream, Go-Gurts Dinners: Sunday — Chicken Noodle Soup, Oyster Crackers Monday — Fend for Yourself Tuesday — Chick-fil-A Wednesday — Smoked Ribs Thursday — Chicken Noodle Soup, Bran Muffins Friday — Chicken Rice Casserole, Cantaloupe, Roasted Broccoli Saturday — Leftovers Total spent on groceries: $61.94 Cashback earned this week: 308 points for submitting my receipts to Fetch rewards [...]
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7 Surprising Ways Retirees Waste Their Savings

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7 Surprising Ways Retirees Waste Their Savings
fizkes / Shutterstock.com Retirees usually have a limited amount of money to spend during their golden years. Unfortunately, some people make costly mistakes that can deplete their nest egg prematurely. From giving away cash indiscriminately to refusing to embrace lifestyle changes, here are some surprising ways retirees waste their hard-earned savings. The Only Retirement Guide You'll Ever Need... [...]
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These 6 Stores Buy Used Clothes. Here’s How to Get the Best Cash Offer

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These 6 Stores Buy Used Clothes. Here’s How to Get the Best Cash Offer
Do me a favor and take a quick look in your closet. Overflowing, right? Well, there’s a solution to that problem: selling your used clothes.  It’s a win-win, and you don’t have to wait for a spring-cleaning binge to get started. In fact, you should do it seasonally to stay in vogue.  So tear a page from the Marie Kondo playbook and make one big pile of all your clothes. Yes, even your winter gear from the living room closet. Definitely the swimsuit collection. And all the baby shower clothes that you never even used, too. You may surprise yourself with the amount of clothes you have once you get them all in one place. Kondo recommends that as you sift through your stuff, you ask yourself, “Does this item spark joy?” Nope? Then sell it.  Where to Sell Used Clothes Plenty of apps and websites like Poshmark, Threadflip, Etsy and eBay allow you to sell used clothes online. But maybe you don’t have the technical know-how (or the patience) to do it yourself. Don’t fret. There are several other brick-and-mortar places to pawn off your used clothes, shoes, handbags, accessories — even baby clothes, toys and supplies — to get cash in your pocket by the end of the day. Uptown Cheapskate Want to pop some tags? Uptown Cheapskate is your place. It’s located in 21 states and is a cross between a trendy boutique and a thrift store for young adults. You can sell or trade in men’s and women’s clothes at any of its locations. Trade-ins get 25% bonus store credit.  Brands that do well at Uptown Cheapskate include Urban Outfitters, Levi’s and H&M. If you’re unsure if your clothes will fit in style-wise, visit its website for more info on trending brands and styles. Buffalo Exchange Founded back in 1974, Buffalo Exchange has remained family owned as it has expanded to 18 states and the District of Columbia. The company is a firm believer in reusing and recycling clothes to reduce waste and pollution (and save cash). Each store also partners with local charities.  Pro Tip If you don’t live near a Buffalo Exchange, the company also has a sell-by-mail program. Buffalo Exchange accepts a wide array of clothes for both men and women — vintage, athletic wear, plus sizes and more. Contrary to its name, it does not accept bison at this time. Sorry in advance. Clothes Mentor Clothes Mentor is a one-stop shop for fashionable women’s clothing sized 0 to 26 and maternity wear. It’s a hub for those who want designer brands without designer price tags. Clothes that sell well include Armani, Banana Republic, Saks Fifth Avenue, White House Black Market and others. Shoes, accessories, jewelry and handbags are also accepted. Clothes Mentor has 136 stores across 30 states and, at certain locations, offers personal shoppers who tailor outfits to suit your tastes. Plato’s Closet Ah, the ole standby, Plato’s Closet. You may not have known this was a clothing exchange store, but it’s likely that you’ve caught a glimpse of one of its more than 480 locations in North America — probably tucked between your local Chinese buffet and the grocery store. Plato’s is Winmark Corp.’s most successful clothing exchange franchise, and it’s aimed at teens and young adults. Everyday styles from Abercrombie & Fitch, American Eagle, H&M, Nike and Obey are typically in demand.  FROM THE MAKE MONEY FORUM Extra Income 4/10/19 @ 11:01 AM B This mom needs work! 8/12/19 @ 9:14 AM L Anyone have experience doing an Air B N B? 8/11/19 @ 8:16 AM Passive Income 8/9/19 @ 9:07 AM See more in Make Money or ask a money question Plato’s Closet also buys athletic wear, shoes and accessories.  To see if your wardrobe surplus is a good fit for Plato’s, browse its website for other brands and styles that sell well. Style Encore Another solid option from Winmark Corp. is Style Encore. It’s like Plato’s sibling, only slightly older and more sophisticated. Style Encore accepts women’s clothing from brands like Banana Republic, Calvin Klein, Coach and Kate Spade. Like Clothes Mentor, Style Encore has personal stylists to help you look like a million bucks (without spending a million). It’s Winmark’s newest clothing exchange brand, so locations aren’t as comprehensive as Plato’s. Double-check the store locator to find the closest one to you. Once Upon a Child Last but not least in Winmark’s clothing resale portfolio is Once Upon a Child.  It’s no surprise that child care expenses are a budget buster, but this store can help keep costs down when it comes to baby clothes, supplies and even furniture.  In addition to children’s clothes sized preemie to youth 20, Once Upon a Child will buy used cribs, cradles, strollers, baby electronics, halloween costumes and toys. Even more good news for parents: You won’t have to look very far. Once Upon a Child has more than 380 stores across the U.S. and Canada. Local Consignment Shops If none of the above stores fit the bill, you can always try your nearest consignment shop.  These shops work a little differently than clothing exchanges, because consignment stores may not pay you until your item sells. That means it’s unlikely you’ll walk out with a pocketful of cash. It’s also difficult to predict what brands they will buy, because most local stores don’t have databases and metrics to go off of. Sales are often based on personal taste or season. But hey, anything is better than leaving unused clothes tucked away in the furthest corner of your shelf for years to come.  How to Get the Most Cash From Your Clothes Some things are guesswork when trying to sell your clothes. Stock and styles change, so it’s hard to say for sure which brand or outfit will sell. However, there are a few things you should always take into consideration, no matter the item or the store.  Following these few guidelines will ensure you get the best quote possible. Clean and Fold Your Clothes If it seems like I’m wagging my finger, it’s because I’m wagging my finger. Almost every store listed above recommends washing your clothes before taking them in. Since your payout is based on an associate’s quote after they carefully check each item, you don’t want dirt or food caked to your shirt. It’ll definitely go in the “no” pile. Pro Tip In general, to keep colors bright, you can soak your clothes in salt. Only wash them as needed — inside out and in cool water to avoid fading. Likewise, super wrinkly clothes come across as unwashed, and you don’t want to give that impression. So be sure to fold them neatly before taking them in. Use a Nice Basket or Hamper to Carry Your Clothes Quick! What do you think of when you see trash bags? Trash, right? Not clothes.  Presentation matters. The associates checking your clothes don’t want to sift through trash bags. So after you’ve washed all the clothes you want to sell, fold them and place them in a basket, hamper or box that you can take to the store.  Check for Damage or Pit Stains If you were a shopper, would you buy a shirt that had pit stains or a missing pocket? Didn’t think so. The stores work the same way. They don’t want damaged, stained or heavily faded clothing. Before you take your clothes in, examine [...]
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How to Access American Airlines Admirals Club Lounges

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How to Access American Airlines Admirals Club Lounges
Lounge access is lovely before your flight or on a layover. You get free snacks and beverages, generally comfortable seating, high-speed Wi-Fi access and outlets to charge your devices. American Airlines is the largest domestic carrier, and it has Admirals Club lounges in airports around the world. Customers can even access lounges in airports American... Rosemarie Clancy is a writer at NerdWallet. Email: travel@nerdwallet.com. The article How to Access American Airlines Admirals Club Lounges originally appeared on NerdWallet. [...]
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American Pie 4-Movie Collection

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American Pie 4-Movie Collection
There are some great online deals right now for DVD sets. You can order the American Pie 4-Movie Collection for only $17.79. This 4-Movie Collection Box Set is normally $22.98. Be sure that you grab this deal soon because the prices can change at any time. The post American Pie 4-Movie Collection appeared first on Penny Pinchin' Mom. [...]
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14 Service Providers Most Likely to Lower Your Bill If You Ask

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14 Service Providers Most Likely to Lower Your Bill If You Ask
Feeling sticker shock every time a phone, cable or internet bill arrives? Depending on which company provides the service, lower rates may be just a phone call away. LendEDU recently analyzed data from Truebill, a personal finance tracker, budget planner and bill reminder app that helps people manage their subscriptions, to determine which service providers are most likely to drop their prices if... [...]
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Two Good Greek Style Yogurt only $0.50 at Target!

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Two Good Greek Style Yogurt only $0.50 at Target!
This post may contain affiliate links. Read my disclosure policy here. Headed to Target? Pick up Two Good Greek Style Yogurt for just $0.50! You can get Two Good Greek Style Yogurt for just $0.50 at Target! Here’s how: Buy 2 Two Good Greek Style Yogurt 5.3 oz Cups – $1.25 each (regularly $1.49) Use $0.50/2 Two Good Yogurt 5.3 oz cups printable coupon Submit 2 $0.50 cash back via Ibotta (Limit 5) $0.50 each after coupon and cash back Thanks, Hip2Save! [...]
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Southwest Launches New Wave of Flights to and Within Hawaii

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Southwest Launches New Wave of Flights to and Within Hawaii
Southwest Airlines is expanding its route network to and within the Aloha State. The low-cost carrier has added daily flights from Sacramento to Honolulu to its schedule, as well as additional routes from elsewhere in California to Kauai and the Big Island. These new flights are scheduled to take off starting in January 2020, but you can... Meghan Coyle is a writer at NerdWallet. Email: mcoyle@nerdwallet.com. The article Southwest Launches New Wave of Flights to and Within Hawaii originally appeared on NerdWallet. [...]
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Play-Doh Numbers, Letters, ‘N Fun Set

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Play-Doh Numbers, Letters, ‘N Fun Set
Play-Doh always makes for a fun time and makes for a great gift idea as well. You can score a great deal on the Play-Doh Numbers, Letters, ‘N Fun Set right now. You are able to order this set for only $12.55. You will be saving 50% on this purchase because it is usually $24.95. ... Read More about Play-Doh Numbers, Letters, ‘N Fun Set The post Play-Doh Numbers, Letters, ‘N Fun Set appeared first on Penny Pinchin' Mom. [...]
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My Completely Honest Review of The Ultimate Productivity Bundle

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My Completely Honest Review of The Ultimate Productivity Bundle
This post may contain affiliate links. Read my disclosure policy here. Wondering if The Ultimate Productivity Bundle is worth buying? Read my honest review below, and you can decide for yourself! If you are on other blogger’s email lists, there’s a good chance you’ve gotten some emails or seen some blog posts or social media posts yesterday and today about The Ultimate Productivity Bundle. I know a number of you have already purchased this bundle, but if you haven’t purchased The Ultimate Productivity Bundle yet this year, here are two things you need to know: 1) It is back again through midnight tonight for a Flash Sale! This is your last chance to grab it at this huge discount! 2) I went through every single resource in the bundle and went through it so I could give you my completely honest review. Yes, you read that right. I literally signed up for every.single.course and downloaded every ebook and printable. My poor computer put in a lot of work! While I didn’t read every word or listen to every single minute of video (that would have taken me a LONG time!), I went through and at least skimmed every single resource and decided to share my really honest thoughts… Here were my honest thoughts: The Negatives: Some of the products had an inflated price tag. This is a pet peeve of mine. Don’t put $29 on a product just to make it sound more impressive. While The Ultimately Productivity Bundle is supposedly valued at $1500, I’m going to be honest and say that I felt at least 25% of the products had an inflated price tag. And I likely wouldn’t use at least 60% of them, so for me, the value would be really and truly more like a few hundred dollars, not $1500. There weren’t as many products in it as I was expecting. I was surprised that there weren’t more like 60-70 products in it (there are only 46 products in it). I think I’m used to them having that many when it’s the Homemaking Bundle, so I thought the options weren’t as plentiful as I was hoping for. I wish there had been more ebooks. While courses are great, I often prefer ebooks because they are easier for me to read and digest — especially since I’m a fast reader and sometimes skim (Shh! Don’t tell anyone!). There are only 5 ebooks in this bundle and the rest of the products are printables or courses. Some of the printables were poorly designed. I know that we don’t always have the highest quality design on things we offer because of various reasons and I know sometimes you just do the best you can do, but I found that at least 30% of the printables were ones I would never consider using because they just looked like they were designed by someone who didn’t have a lot of design experience or it just was not my style at all. A few products felt very clunky to download. I noticed there were a number of .zip files as well as some courses that seemed to require multiple hoops to jump through to get them to download. It felt like it sort of flew in the face of productivity to have to go to quite a bit of effort to download a product in order to be able to use it. The Positives: There were a number of really helpful and well-designed printables. I was impressed with how many different styles of printables this bundle offered. If you love printables, you will just adore this bundle! So many great options to choose from! I loved that many of the resources were created by people who aren’t naturally organized. It seems like many times, productivity classes and courses and ebooks are created by naturally organized people. This was not the case with many of the products in this bundle — many of the creators said they were more of a Type B, laid back personality —  and that’s why I feel like it has much wider appeal. The bundle offered a variety of printable planners. If you are looking for a planner for yourself and you’re okay with printing it yourself, you’ve got a wealth of choices in this bundle! There were some really high quality products. There were some really high quality products in the bundle that I felt would make it worth the price tag ($37) if you would use these and they would help your life be more organized. Like I said, I went through each and every product to pick out the ones I felt were the highest quality and value and something I would personally use or that I thought would be really helpful to other people. Here were my top 4 favorites: Family Chore Planner: The Complete Home Management System for Families ($17 value) This PDF download not only offers some great tips for getting your kids to help around the house and suggested chore ideas for different ages, but you get customizable rotating chore chart systems for your family! Child, It’s Time to Get Off Your Butt ($7 value) This may have been one of my favorite resources in the bundle. It’s an inspirational ebook with very practical tips on how to get your kids to go from being couch potatoes to being assets in your home — without having some rigid system that was designed for Type A moms. There are lots of helpful charts and hands-on examples in the book, like this: If you’re frustrated that your kids aren’t more disciplined and diligent but you just don’t know where to start, you’ll find a lot of fantastic help in this short but highly actionable ebook. Brilliant Baby Steps: Productivity Course ($47 value) This course was one of the most beautiful and value-packed courses in the bundle and I couldn’t believe all you got for the price. It definitely was not one of the products that I felt had an inflated price tag. One of the best parts of it is where Beth Anne shows you just how much you can get done in 10 minutes. She’s not a Type A personality, so her advice will work for pretty much every personality type. How to Organize Your Life With Trello ($47 value) Okay, so full disclosure here: I am not a Trello person and I don’t think I ever will be. BUT, I do believe that it can be an amazing organizational system for many people and I wanted to highlight this course because it was so well done and helpful for those who are looking for a better way to organize their life and thoughts and projects. If you haven’t purchased The Ultimate Productivity Bundle yet, and you are still interested in purchasing after reading my honest review, you can click here to purchase it for just $37 through August 15, 2019! You’ll get access to these 4 products + 42 other resources including a number of printable planners and other time management and organizational and goal-setting resources! Go here to read more. Click here to purchase The Ultimate Productivity Bundle. Remember, this special flash sale price is only good through midnight tonight (August 15, 2019)! P.S. Have you purchased The Ultimate Productivity Bundle? If so, I’d love to hear your honest thoughts on it! [...]
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35 Online Stores That Offer Free Shipping With No Minimum Order

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35 Online Stores That Offer Free Shipping With No Minimum Order
We’ve all been there: You finally find an item you’ve been looking for online, and it’s on sale for $5! You add it to your cart, go to check out — and realize you have to pay $8 for shipping. It’s not such a good deal anymore. Here’s another common scenario: You add everything you need to your cart, and the total comes to $25. The site offers free shipping — but only on orders over $50. Shipping costs often double or even triple the price you pay for small orders — eliminating the savings of shopping online. But if you know where to look, you can get thousands of items shipped for free. 35 Stores With Free Shipping These companies offer free shipping with no minimum purchase. Some of them ship worldwide for free, while others only ship free within the continental U.S. Some also offer free shipping to your local store. 1. Target If you have a Target REDcard, you’re in for a treat! In addition to saving 5% off your order, you qualify for free U.S. shipping. Alaska and Hawaii are included, and Target also ships to APO/FPO addresses. 2. Timberland Known for its boots and outdoors wear, Timberland offers free standard U.S. shipping on every order. 3. The North Face The North Face sells outdoor apparel and equipment for men, women and kids. Standard shipping is free on all orders in the U.S. 4. Nordstrom Nordstrom is known for its high-end products, but it offers free U.S. shipping to soften the blow — including Alaska, Hawaii and Puerto Rico. If that’s not enough, it also offers free returns! 5. Neiman Marcus Much like Nordstrom, Neiman Marcus is top-of-the-line. But there’s no shipping costs added to their premium offerings, and you’ll have your goods in 3 to 5 business days. 6. Kate Spade Everyone’s favorite purse label — which also sells clothing, shoes and jewelry, by the way — offers free shipping and free returns in all 50 states, via USPS. 7. Lily Pulitzer You know this brand for its brightly colored tropical and paisley prints. But did you know Lily Pulitzer offers free economy shipping on all orders in the U.S., including Alaska, Hawaii and Puerto Rico? 8. Tiffany & Co. The most storied jewelry store ever offers free shipping and free returns on every precious order. 9. Reformation This sustainable women’s clothing maker uses the tagline “Being naked is the #1 most sustainable option. We’re #2.” Bonus: It offers free shipping and free returns on all orders. 10. Bonobos This men’s clothing and accessories shop distinguishes itself with free shipping and free returns in the U.S. 11. Cents of Style Cents of Style is an affordable women’s retailer selling clothes, shoes and accessories. Double down on the deals with free shipping all the time. 12. Ray-Ban What’s cooler than a pair of slick shades? Free U.S. shipping from Ray-Ban! Alaska and Hawaii are included, and orders usually arrive within two to three days. If you want to send an item back, you can return it for free. 13. Fossil You probably know Fossil for its watches. But it also has full lines of men’s and women’s clothing, plus bags and jewelry. All of it ships for free in the U.S. and territories, with delivery in 7 to 10 business days. 14. Keds Enjoy free shipping and free returns on all your sneaker orders. 15. Zappos From shoes to handbags, Zappos has a wonderful selection of clothing and accessories, and everything ships free. This includes Alaska, Hawaii and U.S. territories. The site also offers free returns for one year. Zappos uses USPS Priority Mail to make sure your order gets to your doorstep in four to five days. 16. MAC Cosmetics Makeup, skincare products, kits, makeup tools, fragrances — all MAC products ship for free with standard shipping, which arrives in 2 to 5 business days. 17. Dermstore Dermstore, which sells skincare products, makeup and hair care products, offers free standard shipping on all orders — including to Alaska, Hawaii and Puerto Rico. 18. Apple If the iPad or Mac you’re eyeing is in stock on Apple’s online store, it most likely ships for free. (Excluded are such items as customized Macs and engraved products.) For iPhones you can even get free next-day shipping. 19. Microsoft Microsoft will give you free standard shipping on all orders to the U.S. and Puerto Rico. 20. Dell If you’re in the market for a new laptop, you can get free U.S. shipping to any of the 48 contiguous states. Your order will arrive within three to five days, and you won’t spend a penny extra. Dell also offers a price match guarantee to make sure you get the most bang for your buck. 21. Samsung Samsung offers free shipping on all order in the contiguous United States, including on big TVs. Mobile devices and accessories default to free expedited shipping. 22. AT&T AT&T offers free express shipping on all orders, which normally costs $14.95. Accessory-only orders get free priority shipping, and AT&T will even pay for the return shipping if you choose to send an item back. 23. Otter Box Otter Box makes mobile phone cases, yes. But they also sell outdoor gear including coolers, dry bags and tumblers. All U.S. orders ship free. 24. Crate & Barrel Longing for a new addition to your kitchen? Crate & Barrel boasts a wide range of products that all ship free. As long as you’re in the contiguous U.S., you can snag this deal. Make sure your cart only contains eligible items, or else you’ll have to fork over the shipping cost. 25. Sweetwater If you’re a musician who regularly buys gear, consider buying from Sweetwater. The highly reputable site offers free U.S. shipping on thousands of items. While APO and FPO addresses qualify, Alaska and Hawaii don’t. Most of the company’s orders ship the same day, so you’ll get your new equipment at lightning speed. 26. Amoeba Music Need another reason to buy that record you’ve been eyeballing? Free U.S. shipping from Amoeba should do the trick. It offers cost-free USPS media mail shipping for all music and movie formats. While orders can take 5 to 21 days to arrive, the wait is worth it. 27. Molton Brown Molton Brown’s wide selection of cruelty-free bath and body products is even cooler because of the free U.S shipping. If you’re in the contiguous states, you’ll receive your order within three to seven days. Bonus: You’ll get a free 1-ounce sample with every order and a complimentary gift box if you’re buying for someone else. 28. AbeBooks AbeBooks has a humongous selection of books at unbelievably low prices, and thousands of them qualify for free shipping. The best part? You can search for books that will ship for free specifically to your corner of the world. The site allows you to search for free shipping to the U.S., U.K., Canada and Australia, and they even have a worldwide option. FROM THE SAVE MONEY FORUM Acorns 8/14/19 @ 6:00 PM How to save when grocery shopping 8/15/19 @ 2:43 PM Travel Tips, anyone have any to share? 8/13/19 @ 2:27 PM Save Money, Mystery Shop! Free tickets, food, hotels, entertainment and more! 8/13/19 @ 2:27 PM See more in Save Money or ask a money question 8 Retailers That Offer Free Shipping if You Pick Up in Store These retailers don’t offer free shipping directly to your home without a minimu [...]
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Trying to be more productive? Grab this $1500 bundle of eResources for just $37!

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Trying to be more productive? Grab this $1500 bundle of eResources for just $37!
This post may contain affiliate links. Read my disclosure policy here. Do you wish you could be more productive and use your time intentionally? If so, you’ll definitely want to grab this productivity bundle that’s on sale right now! This bundle was SO popular earlier this year when it was offered, and they’ve brought it back as a flash sale for two days only!! Hurry and grab it for just $37 before the end of tomorrow, August 15th! This Productivity Bundle has everything you need to conquer your to-do list, be more productive, free up more time for yourself, and reach your goals — and you can get it for just $37!! It contains $1506.90 worth of eBooks, printables, eCourses, and membership sites…and all you pay is $37 for all 46 resources! These resources are designed to help you: Set clear goals and priorities so you’ll use your time wisely Create routines to help you be more productive so you won’t fall behind Get started with tasks instead of procrastinating Deal with distractions instead of getting sidetracked Find the energy to be productive all day instead of burning out If you feel overwhelmed or stuck when it comes to your productivity and time-management, this Productivity Bundle will help give you the practical tools and tips you need to take that first step! Go here to grab your Ultimate Productivity Bundle for just $37. [...]
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These Are the 20 Best Hospitals in the U.S.

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These Are the 20 Best Hospitals in the U.S.
When people think of the best medical facility in the U.S. — if not the world — one institution typically comes to mind: the Mayo Clinic. That reputation for excellence is well-deserved, according to U.S. News & World Report’s latest Best Hospitals rankings. The publication says the Rochester, Minnesota-based facility is the best hospital in the nation. It's not the usual... [...]
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Family Handyman Magazine Subscription Deal

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Family Handyman Magazine Subscription Deal
Are you a DIY-er? Do you want to be a better one?  You can score a great deal on a subscription to Family Handyman Magazine!   FAMILY HANDYMAN SUBSCRIPTION DEAL Now through 8/15/19 (11:59 pm EST), you can save 77% off a subscription to Family Handyman Magazine!  That makes it just $8.99 per year (get ... Read More about Family Handyman Magazine Subscription Deal The post Family Handyman Magazine Subscription Deal appeared first on Penny Pinchin' Mom. [...]
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How One Family Accepted — and Survived — the Pantry Challenge

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How One Family Accepted — and Survived — the Pantry Challenge
When my editor called me on the last day of my vacation to ask me to take on a Pantry Challenge, my first thought was: I wish I had gone grocery shopping first. But then, where would the challenge be in that? If you’re unfamiliar with it, a Pantry Challenge requires you to use what’s in your cupboard (and refrigerator and freezer) to create meals for one week. The only rule: no buying. If you’re like my family, you often pick up specific ingredients for a recipe, but don’t necessarily use all of them. You forget about the food, leaving it to languish in the back of the refrigerator until one day, it’s grown enough mold to qualify as your daughter’s science project. Then when it comes time for dinner, you default to stopping by the store for more ingredients or worse, ordering takeout. Neither option is good for the budget, and you end up wasting food. Just us? My husband, Chris, regularly cooks a delicious dinner — my culinary skills are mostly limited to chopping vegetables and reheating leftovers — so I figured we could accept a five-day pantry challenge without much trouble. (I got to skip the weekend portion due to the story’s deadline.) I announced our participation in the Pantry Challenge to Chris and our 10-year-old daughter, Gwen, Monday evening. Although neither seemed particularly excited, they humored me. How the Pantry Challenge Works Meal prepping is an essential component of the Pantry Challenge, since you’ll need to plan your meals using fresh produce before it goes bad and saving items like a frozen pizza for a break-in-case-of-emergency dinner. So after I talked to my editor, I shopped our refrigerator and pantry for inspiration. Inspiration quickly turned to perspiration as I realized we had no frozen pizza. Or eggs. Or apples. Or bread. Or gummy bears. I looked online for recipes from people who’d done the Challenge before me. One person suggested barbecuing banana peels. What had I gotten us into? We weren’t going to starve, but I did experience a moment of panic when I realized how little fresh produce we had and how gross it was turning before my eyes. We were going to have to dig deep (in the freezer). Here’s the daily play-by-play of recipes we came up with for creatively meeting the Challenge. Monday Dinner We based Monday night’s dinner on the produce. We had some nearly wilted lettuce, half a tomato and an inexplicable plethora of onions. That, along with the hamburger buns in the fridge had all the makings of a burger night.  Unfortunately, we’d used the remaining ground turkey last week. But my husband found a package of Asian-flavored soy burgers he’d bought months ago during our ill-advised attempt at vegetarianism. With plenty of ketchup, mustard and a leftover bottle of chipotle mayo, we decided they’d be the best companion for our paltry produce. We also discovered a couple leftover sweet potatoes from a bag we bought for a stew weeks ago. Those sweet potatoes were not getting any younger, so Chris cut around the less-than-desirable parts, tossed them with a little olive oil, salt, pepper and paprika and baked them to a crisp. And to make sure we didn’t waste anything, I used up the rest of the chicken Caesar salad my daughter and I had split for lunch. The croutons were a bit soggy, but it was an easy way to add extra veggies to our meal. Reviews: There’s a reason those burgers collected ice crystals in the back of our freezer. My daughter ate half the sandwich and a few fries before claiming she was “full.” She wasn’t.  Tuesday Here’s the thing about the Pantry Challenge. In the evening, you have time to gather items and experiment, so cobbling together dinner from your pantry is a bit easier.  But in the morning rush, when I was in charge of making lunches, the Pantry Challenge became more of a Pantry Struggle. Breakfast was easy enough: We still had English muffins, bananas, frozen waffles and cereal.  But often when I pack our lunches, I use leftovers. And nobody was eating the sad, lonely veggie burger from last night (except maybe the dog, whose palate is decidedly less discerning).  But my teacher husband and daughter were headed to school to set up his classroom and I was headed to the office, so we needed to some kind of subsistence. I dug into the produce drawer and picked out the good pieces from a bag of deteriorating spinach, topping them with a cucumber that was on its last legs. (It hadn’t really grown legs. Yet.) To help keep our tummies full, I sent along bags of almonds, rice crackers and the last of the fresh cherries.  That covered vegetables, protein, carbs and fruits, so we’re good, right? Unfortunately, in my rush to pack lunches, I forgot to take the chicken thighs out of the freezer to defrost in the refrigerator for dinner.  Normally, that would have resulted in a trip to the grocery store for an alternative meal or maybe takeout. But tonight, we just delayed dinner a little while I figured out how to defrost solid chicken thighs in the microwave.  In case you were wondering, it takes about 20 minutes for 2 lbs. of chicken to defrost. And yes, they were a bit rubbery, thanks for asking. Chris cooked the thighs with a jar of Indian sauce (mostly to cover the rubberiness). Typically, we like to boost the dish with a colorful array of peppers, but there were no peppers to be found, so we settled for some chopped baby carrots.  Fortunately, we’re almost always stocked on rice, so we cooked extra to ensure we’d have enough for our lunches the next day. We completed the meal with steamed frozen broccoli. Reviews: Lunch was definitely a bust — the “meals” I sent with Chris and Gwen came back half eaten. I suspect they may have located pizza leftover from a staff meeting, but neither one was ratting out the other. Dinner was a bigger success, and I was proud of myself for sticking with the Challenge and defrosting the chicken rather than taking the lazy route to takeout. Bonus: Who realized the slightly browning bananas could be cut up and frozen for smoothies and snacks for the remainder of the week? This mom! FROM THE SAVE MONEY FORUM Save Money, Mystery Shop! Free tickets, food, hotels, entertainment and more! 8/13/19 @ 2:27 PM Travel Tips, anyone have any to share? 8/13/19 @ 2:27 PM Traveling 1/26/19 @ 9:01 PM S Extra Job 7/30/19 @ 2:52 PM See more in Save Money or ask a money question Wednesday Want to know the secret to the Pantry Challenge? Pasta. Oh sure, there are other secrets — like frozen produce, dried beans and canned soups — but at the end of the day, when you’re tired and hungry, pasta saves the day. Plus, you can make a ton of it at once for easy leftovers. And for a non-chef like myself, pasta is a godsend because you can serve it multiple ways without much culinary wizardry.  I can toss it with olive oil, fresh basil and grated Parmesan cheese for a simple dish, with canned tomatoes, feta and olives for a Mediterranean flair or with canned tuna and cream of mushroom soup for a casserole.  But I didn’t have half of those items in my house. Instead, I found an open jar of spaghetti sauce in the fridge that was leftover from last week when my husband had only needed a c [...]
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FINRA Proposes TRACE Reporting Obligations for U.S. Dollar-Denominated Foreign Sovereign Debt

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FINRA Proposes TRACE Reporting Obligations for U.S. Dollar-Denominated Foreign Sovereign Debt
The Financial Industry Regulatory Authority (FINRA) is proposing to expand TRACE reporting requirements to include transactions in U.S. dollar-denominated foreign sovereign debt securities. Under the proposal, this transaction information would be reported for regulatory purposes and would not be publicly disseminated. Comments on the proposal must be submitted to FINRA by September 24, 2019. More information is available here. [...]
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How He Maximized Chase Points for a Weekend Hyatt Getaway

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How He Maximized Chase Points for a Weekend Hyatt Getaway
Adam Sterling used points earned on his Chase Sapphire Reserve® and transferred to Hyatt for a Saturday night stay at the beachfront Hyatt Centric Santa Barbara. A $400 room in the boutique hotel with local flair cost only 15,000 points. » Learn more: Chase Sapphire Reserve® review: A first-class premium travel card The cardholder Name:... Rosemarie Clancy is a writer at NerdWallet. Email: travel@nerdwallet.com. The article How He Maximized Chase Points for a Weekend Hyatt Getaway originally appeared on NerdWallet. [...]
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Thousands of Jobs For the 2020 Census Are Now Open. Here’s How to Apply

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Thousands of Jobs For the 2020 Census Are Now Open. Here’s How to Apply
The 2020 census requires a massive, temporary workforce to get every American counted. A job that once involved clipboards and file boxes now utilizes mapping software and smartphones. All together, the census will employ more than 500,000 temporary and part-time workers. Hiring has already begun. And get this: pay ranges from $13 to $30 an hour. Pay rates vary by position and location, but you can find the ranges for your state and county via this electronic form on the census site. If you speak a second language, you’re even more in demand. The census is looking for bilingual workers and those who live in neighborhoods with large immigrant populations so that “our census takers look like the neighborhood we’re counting,” Jeff Behler, regional director of the Census Bureau’s New York Regional Office, said in a story on Census.gov. If this sounds like the gig for you, fill out the online application.  To be eligible for the jobs, which include census takers, office staff and recruiting assistants, you must meet the following qualifications: Be a U.S. citizen who’s at least 18 years old. Have a valid Social Security number and email address. Pass a criminal background check, including fingerprinting. Have the flexibility to work days, evening and weekends. If you’re a male born after Dec. 31, 1959, you must be registered with the Selective Service System or have a qualifying exemption. Be able to count to 329,402,583. Just kidding — that’s a little census humor for you. Tiffany Wendeln Connors is a staff writer at The Penny Hoarder who covers interesting careers and job benefits. Senior editor Molly Moorhead contributed reporting. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Architectural Digest Magazine Discount

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Architectural Digest Magazine Discount
Grab this great deal on Architectural Digest magazine for only $5.95 per year (90% off)! You can order up to 3 years at this price!  You will also receive a digital download of each issue! Add this magazine to your shopping cart and then enter the coupon code pennypinch and you will see the price drop!  This deal ... Read More about Architectural Digest Magazine Discount The post Architectural Digest Magazine Discount appeared first on Penny Pinchin' Mom. [...]
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8 Ways Restaurant Menus Trick You Into Overspending

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8 Ways Restaurant Menus Trick You Into Overspending
When you open a menu, you’re looking at a marketing tool that’s designed to steer you toward choices that increase profits for the restaurant you’re visiting. Like all businesses, restaurants exist to make money. The goal of menu design is to draw attention to the items they are most eager to sell. Typically, these are the costliest choices. So, knowing the techniques of menu... [...]
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Easy Meals for 25 People | Our Vacation Menu Plan for 27 People

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Easy Meals for 25 People | Our Vacation Menu Plan for 27 People
Need some easy meals for 25 people…or maybe just some easy recipes for large groups? Here’s how we fed 27 people on our recently family vacation including the meals we made + how we divvied up the responsibilities. Be sure to also check out my post from earlier this year on Our Vacation Menu Plan for a Crowd + last year’s Big Family Vacation Menu Plan! Easy Meals for 25+ People Last week, we drove to Lampe, MO to spend a week at Table Rock Lake with almost all of my extended family. (This time around it was my parents, 2 brothers, 3 sisters, and their spouses and kids. My youngest brother couldn’t come because he’s working at the Wild’s camp this summer). My dad rented Caboose Junction Resort for us all (it has a main house and then 6 caboose that have been turned into small “cabins”). In addition to spending lots of time skiing, boating, and swimming, we ate a lot of yummy meals. But in order to feed 27 people without it being too much work, we not only stuck with easy meals for 25+ people, but we also all pitched in and helped with the food. Since you all loved my large group menu plan posts, I wanted to, once again, share what we ate and how we planned and divided up the responsibilities. This might give you some inspiration in case you need some suggestions for easy meals for 25+ people.   How We Planned and Divvied Things Up Like last time, my sister planned the menu with easy meals that would feed a crowd and sent out a sign-up form using Perfect Potluck (it’s free and so easy to use!). Each family signed up for the main dishes and side dishes they wanted to be in charge of. (A screenshot of the sign up form on Perfect Potluck.) Whatever meals or parts of meals you signed up for, you were in charge of bringing the ingredients for and cooking/baking. We also had a sign-up for kitchen clean-up, too, so that one person didn’t have to do a bunch of the clean up and everyone could enjoy plenty of time for fun! Easy Breakfasts for 25+ People Here’s what we served for breakfast: Pancakes, Bacon, Scrambled Eggs, Orange Juice Pumpkin Chocolate Chip Muffins, Sausage, Eggs, Orange Juice Baked French Toast, Bacon, Eggs, Orange Juice Baked Oatmeal Sausage, Eggs, Orange Juice Biscuits & Gravy, Eggs, Orange Juice Homemade Granola with fruit and yogurt Easy Lunches for 25+ People For lunch, we had our usual huge Build-Your-Own Salad Bar (most all of my family loves salads!). We also had bread and meat/cheese for sandwiches for the kids and any adults who didn’t just want a salad. In addition, we set out any leftovers from breakfast or dinner. Build-Your-Own Salad Bar Ingredients: A variety of Greens and Lettuce, Canned Salmon, Boiled Eggs, Raisins, Seeds/Nuts, Avocados, Bell Peppers, Cucumbers, Chickpeas, Cherry Tomatoes, Feta Cheese, Croutons, Dressings Simple Dinners for 25+ People If you’re looking for some really easy meals for 25+ people, here’s what we made for the dinners: Spaghetti Pie, Lettuce Salad, Garlic Bread, Green Beans, Fruit Southwest Rollups (Toppings: Shredded Lettuce, Sour Cream, Salsa), Mexican Rice, Fruit Pizza & Soda Pop (We ordered from a local pizza place — we ordered it online and then my dad went and picked it up.) Baked Potato Bar & Five Cup Salad (The toppings we had: Baked Potatoes, Taco Meat, Sour Cream, Cottage Cheese, Chopped Green Onions, Shredded Cheese, Bacon, Salsa, Chopped Tomatoes, Broccoli.) Grilled Chicken, Lettuce Salad, Homemade Biscuits, Corn on the Cob, Fruit Salad, Steamed Veggies,  Twice Baked Potatoes. (I used the leftover baked potatoes to make these.) Hamburgers/Hot Dogs, Homemade French Fries, Veggie Tray, Leftover Corn on the Cob, Leftover Fruit Salad It’s amazing how it’s not too much work on any one person to feed 20+ people if we all pitch in and help! What other ideas of easy meals for 25+ people or easy recipes for large groups do you have? I’d love to hear! Want to cut your grocery budget? Go here and sign up (it’s free!) I’ll send you my 10 Easy Ways to Cut Your Grocery Bill By $50. [...]
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Marriott Plans to Add More All-Inclusive Resorts

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Marriott Plans to Add More All-Inclusive Resorts
Currently, Marriott Bonvoy members have pretty limited options if they’re looking for a Sandals-type vacation where the price of food and accommodations are rolled into one. Type in “all-Inclusive” to the search bar on the Marriott Bonvoy website and you get only two resorts to choose from: a Westin in Costa Rica and a Sheraton... Meghan Coyle is a writer at NerdWallet. Email: mcoyle@nerdwallet.com. The article Marriott Plans to Add More All-Inclusive Resorts originally appeared on NerdWallet. [...]
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Instacart: $10 off a $35 Aldi Order!

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Instacart: $10 off a $35 Aldi Order!
This post may contain affiliate links. Read my disclosure policy here. Love to shop at Aldi? Get $10 off a $35 Aldi order right now! Right now, Instacart is offering $10 off your first three Aldi orders of $35 or more when you use the promo code SHOPALDI19 at checkout! Here’s how to snag this offer: Go here and choose Aldi as your store to shop (Ignore the pop-up offer that says you can sign up for Aldi Express for 2 Weeks – just choose NO THANKS.) Load up your cart with Aldi deals Use code SHOPALDI19 on the payment page (in the lower right hand side) See $10 come off your total Note: If you have Instacart Express, you’ll get FREE delivery and not have to pay shipping since your order is more than $35. Otherwise, shipping is between $3.99-$7.99. There is also always a service fee and suggested tip when you use Instacart. Thanks, Passionate Penny Pincher! [...]
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How To Train Your Dragon: 3-Movie Collection

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How To Train Your Dragon: 3-Movie Collection
If your family is a fan of the How To Train Your Dragon movies, this would be a super deal to grab. You can order the How To Train Your Dragon: 3-Movie Collection for only $24.99 right now. You will be saving 50% on this purchase because it is usually $49.98. Be sure that you ... Read More about How To Train Your Dragon: 3-Movie Collection The post How To Train Your Dragon: 3-Movie Collection appeared first on Penny Pinchin' Mom. [...]
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Our Visit to Christian County Discount Freight & Grocery

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Our Visit to Christian County Discount Freight & Grocery
Have you checked out Christian County Discount Freight & Grocery in Ozark, MO? In this post, I share about our recent trip there, the deals I found, and my honest thoughts on the store. Visiting Christian County Discount Freight & Grocery Our family met up with all of my extended family this past week in Lampe, MO for our annual week at the lake trip. On our way home, we stopped at Lambert’s Cafe in Ozark, MO for lunch. I had mentioned this on Instagram stories and one of my followers messaged me and said we had to check out this discount store that was close to Lambert’s called Christian County Discount Freight & Grocery. (Note: they don’t seem to have an actual website that I could find. They do have a very regularly-updated Facebook Page.) It just so happened, that we were at the gas station right down the road when I read the message and it just so happened that we had some wiggle room in our day. So I asked Jesse if we could run into the store to check it out. I Was So Impressed With the Deals! Honestly, because of all of the great deals I often find at my local stores, it takes a lot to impress me when it comes to grocery deals. And when we first walked in and I looked at some of the prices, I figured that this might have a few good deals but probably most of the prices weren’t anything to get too excited about. But then I kept looking and I started getting more and more excited. I should have known one of my followers wouldn’t steer me wrong! I picked up a few boxes of $0.49 cookies and crackers and then a few more. Pretty soon, when I started dropping things because my arms were full, Jesse looked at me and said, “Um, I think you need to get a shopping basket.” That was the point when I knew that I wasn’t going to make it out of this store with “just a few purchases” as I had initially planned on. I was quickly falling in love with Christian County Discount Freight & Grocery. There were SO many, many good deals! I was especially impressed with the prices on crackers and cookies. They had boxes and boxes and boxes of name brands that were $0.49 to $0.99! Also, I discovered that if you kept looking, there were many that were marked down to half price! The Best Deals Were on Snack Items Some of the prices were more than what I’d pay at my grocery stores when pairing coupons and sales. However, most of the snack prices were less expensive than I can ever find. For instance, Jesse was thrilled to find Sunflower Seeds for $0.49/bag! All of the protein bars — including RXbars — were $0.50 each!! They even had this medicine area with $0.49 items! I found a number of organic items at great prices, too! And the candy prices were so good. My kids just couldn’t believe it! So much for buying just a few things! How Much I Spent at Christian County Discount Freight & Grocery Jesse laughed as he saw me walking towards him with my precariously balanced basket. I couldn’t fit one more item in so I knew it was time to call it quits. (We didn’t have a lot of extra space in the car, otherwise I probably would have purchased 2-3 times as much!) Guess how much we paid for this entire basket full of stuff? $14!!! Basically, I felt like we were shopping at Dollar Tree! That said, since so many of the items were just $0.49 each, it felt even better than Dollar Tree! If you are ever in or near Ozark, MO, I highly recommend checking out Christian County Discount Freight & Grocery! [...]
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Afternoon Deals: Saturday, August 10

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Afternoon Deals: Saturday, August 10
Every morning and afternoon we publish a list of the latest and best deals from our partner, DealNews. To learn more about the discounts and details, click on any of the deals for more information. To have this list, along with our latest news and stories, delivered daily to your inbox, sign up for our free newsletter. For links to deals as they’re published, follow @mtndeals on Twitter. [...]
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5 Things to Know About the Rakuten Cash Back Visa Card

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5 Things to Know About the Rakuten Cash Back Visa Card
Virtual window shoppers who use Rakuten.com — formerly known as the cash-back shopping website Ebates — could be earning even more cash back on their purchases with the Rakuten Cash Back Visa credit card. Image courtesy of Synchrony In 2019, Ebates rebranded as Rakuten, but the $0-annual-fee credit card’s rewards structure remained the same. The new name, which means... Melissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. The article 5 Things to Know About the Rakuten Cash Back Visa Card originally appeared on NerdWallet. [...]
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Low Price on Elle Magazine Subscription!

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Low Price on Elle Magazine Subscription!
Here’s a great deal for the popular Elle Magazine, get it for only $4.99 per year. That’s a savings of 89%! Just enter coupon code PENNYPINCH at checkout and watch the price drop! Elle Magazine is the ultimate shopping and lifestyle guide for today’s modern woman. Devoted to the sophisticated and well-traveled woman, Elle features the hottest ... Read More about Low Price on Elle Magazine Subscription! The post Low Price on Elle Magazine Subscription! appeared first on Penny Pinchin' Mom. [...]
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Treat Yo’ Self… for Pennies: 24 Spa Treatments You Can Do at Home

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Treat Yo’ Self… for Pennies: 24 Spa Treatments You Can Do at Home
Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. Want to know a secret? I’ve never had a professional massage. I totally get why they’re appealing, but they’re just not my jam. Manicures, on the other hand?  Heck, yeah. My tombstone will read, “How do my nails look?” I’m not gonna lie, getting my nails done every two weeks or so costs a pretty penny (or 6,000, to be exact), but it’s the one luxury I budget for even if it means using cheap body wash or mascara. For all other spa-type treatments, though, I’m strictly a DIY gal. Here are some of my favorite ways to indulge myself easily right in the comfort of my own home — without spending a fortune. 14 Ways to Get Your DIY Spa Day On 1. Everything you’ve heard about coconut oil is true. Skip the expensive body lotion and deep conditioner and use this low-cost alternative instead.  Cost: An entire jar of coconut oil costs about $6 and will last for months. 2. Apply an avocado or egg mask to your hair at the beginning of your spa routine, then wrap your head in a warm towel. Let it work its magic for at least 20 minutes while you give yourself a lip scrub.  Cost: One egg will set you back 10 cents, and an avocado is between $1 and $1.50. 3. Korean sheet masks make your skin look amazing, but they can be awfully pricy. I picked up a handful at my local dollar store for a buck each and discovered they work just as well as the expensive brands. If you buy in bulk, you can save even more pennies.  Cost: Sheet masks can be found online or in dollar stores for as little as — you guessed it — $1. 4. Speaking of masks, if you use Lush cosmetics or know someone who does, hang onto those little black pots and bottles the products come in. You’ll score a free face mask when you turn in five clean empties. That’s a savings of at least $11.95! Cost: The cost of the five products (To be fair, Lush products can be pretty pricy – but they smell so gooood.) 5. Clear up blemishes and reduce fine lines with a container of plain, generic-brand yogurt! Whether you use it alone or jazz it up with extras like a dash of honey or oatmeal, your pores will thank you. Cost: A small container of plain yogurt can cost anywhere from 60 cents to $1. 6. After rinsing off the mask, I like to give myself a five-minute face massage. It’s surprisingly relaxing. Cost: Totally free! 7. If you’ve got a few dollars a month to spare, sign up for a Sephora Play! subscription. You’ll get a box delivered right to your door filled with deluxe product samples and a bonus fragrance. Cost: $10 per month 8. This homemade eucalyptus sugar scrub is both energizing and effective. You can make a batch to slough off dry, dead skin, leaving behind a tingly clean that smells luxurious. Cost: Less than $1 worth of sugar, coconut oil and salt, plus around $10 for eucalyptus essential oil.  9. For a change of pace, I like to mix things up and exfoliate my skin with this three-ingredient coffee body scrub that you can make with the (free!) used coffee grounds left over from your morning brew. It reportedly also reduces the appearance of cellulite. (Don’t tell me if that’s just an old wives’ tale — I don’t want to know.) Cost: Free, if you’re a coffee drinker. FROM THE SAVE MONEY FORUM Extra Job 7/30/19 @ 2:52 PM Saving Money on a very fixed income 7/31/19 @ 2:14 PM The Power of Saving Money || Where to save 7/30/19 @ 1:36 PM Best ways to save money in shopping 7/23/19 @ 1:09 PM See more in Save Money or ask a money question 10. Sometimes my skin just isn’t up for a harsh scrub down. That’s when I whip together this gentle scrub that rinses off easily with warm water. (I’ve tried it without wheat germ, and it still works great.) Cost: About $7 for the oat bran, $7 for the essential oil and $5 for the almond oil – and you can use all of these for other purposes too. 11. If you plan to shave during your spa time, try dry brushing first to prevent ingrown hairs and razor-burn bumps. Cost: A good dry brush costs around $10. 12. If I’m going to sport beautiful nails, the rest of my hand better keep up appearances, too. This lemon-sugar hand scrub is so easy to make and smells amazing. After you rinse it off, slather on some hand lotion and take a minute to admire your, er, handiwork. Cost: A lemon costs about 50 cents, and you probably already have sugar and oil in your pantry. 13. Do you know why every spa scene in a movie or on TV depicts someone with cucumber slices on their eyes? Because they work! You can use the leftovers for cucumber-infused water to really amp up that luxe “I’m in a spa” feeling.  Cost: About $1 for a cucumber. 14. Treat your feet to a nice soak with whatever gentle bath wash you have on hand. Follow it up with a homemade foot scrub. Simply stir one part coconut oil into two parts sugar and scent with a few drops of essential oil. A dash of lemon juice adds extra oomph. To kick (ha!) things up a notch, slather on some lotion and cover your tootsies with thick socks while the moisturizer works its magic. Cost: Peppermint essential oil costs about $9, or you can just use the eucalyptus oil you bought earlier. The rest of the ingredients are likely in your pantry. 10 Easy Ways to Spa-ify Your Surroundings While planning your day of indulgence, don’t forget to design your own relaxation grotto. Give your bathroom a deep clean and then: 1. Splurge on a soft, thick towel. 2. Pick up some pretty containers from the dollar store to hold all the scrubs and potions you make. 3. Scour thrift shops for a fluffy bathrobe to wear while relaxing. 4. Get some inexpensive candles to create ambience during bath time — or make your own. 5. Set a plant or vase of flowers in the bathroom, because greenery makes everything better. 6. Cover your bathroom window with frosted contact paper to diffuse bright sunlight that might harsh your mellow. 7. Put a few sprigs of eucalyptus on the corner of the bathtub to create a clean, refreshing scent when you run the hot water. 8. Buy a bathtub overflow drain cover so you can fill the tub extra deep and soak all the way up to your chin. 9. Queue up this chill Spotify playlist. 10. Use the cucumber you bought for your eyes to make some cucumber-infused water to sip as you spa. Want even more DIY spa ideas? Check out how to make your own sea salt spray, body lotion and more. Disclosure: We don’t hesitate to pick pennies off the sidewalk when we spot them. But the affiliate links in this post help our earnings grow even quicker. Plus, it’s a lot cleaner than sidewalk money. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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This week in FinTech

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This week in FinTech
Every day we bring you fresh insights about Fintech from an elite group of Authors who are just like you – senior executives, entrepreneurs and investors on the frontlines of the global Fintech revolution. Once a week Daily Fintech’s Editor summarises these posts for the time challenged to give you a peek at what you […] The post This week in FinTech appeared first on Daily Fintech. [...]
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FINRA Issues Regulatory Notice Reminding Members of the SEC’s Adoption of a Best Interest Standard of Conduct

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FINRA Issues Regulatory Notice Reminding Members of the SEC’s Adoption of a Best Interest Standard of Conduct
On August 7, the Financial Industry Regulatory Authority (FINRA) issued Regulatory Notice 19-26, reminding members of the Securities and Exchange Commission’s (SEC) adoption of a “best interest” standard of conduct for broker-dealers and a relationship summary (Form CRS) delivery obligation. Regulation Best Interest (Reg BI), adopted by the SEC on June 5, 2019, establishes a “best interest” standard of conduct for broker-dealers and associated persons making a recommendation of any securities transaction or investment strategy involving securities to a retail customer. Other new rules and forms were adopted that will require broker-dealers and investment advisers to provide a Form CRS to retail investors. Firms must comply with Reg BI and the Form CRS delivery obligation by June 30, 2020. In connection with the new rules, a staff committee with representatives from the SEC’s Division of Investment Management, Division of Trading and Markets, Division of Economic and Risk Analysis, Office of Compliance Inspections and Examinations and Office of the General Counsel was established to assist firms with planning for implementation. Firms may send any questions by email to IABDQuestions@sec.gov. In addition, FINRA will produce written and online content and hold in-person meetings and workshops to assist firms with their implementation efforts. A webpage is also available for members to obtain information about the new rules. The Notice is available here. [...]
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Up to 70% off New Balance Kids Shoes + $1 Shipping!

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Up to 70% off New Balance Kids Shoes + $1 Shipping!
This post may contain affiliate links. Read my disclosure policy here. Do your kids need new shoes for school? Joe’s New Balance is offering up to 70% off kids shoes right now! Through August 15th, Joe’s New Balance is offering up to 70% off shoes! Plus, you can score an extra 15% off final markdowns. No promo code needed. Even better, shipping is only $1 when you use the promo code DOLLARship at checkout. Here are some deal ideas… New Balance Girls 775 Shoes – $18 (regularly $59.99) Use promo code DOLLARSHIP ($1 shipping) $19 shipped after promo code New Balance Girls Shoes – $13.50 (regularly $44.99) Use promo code DOLLARSHIP ($1 shipping) $14.50 shipped after promo code New Balance Kids Core Hook and Loop Shoes – $16.50 (regularly $54.99) Use promo code DOLLARSHIP ($1 shipping) $17.50 shipped after promo code New Balance Girls Shoes – $22.49 (regularly $44.99) Use promo code DOLLARSHIP ($1 shipping) $23.49 shipped after promo code New Balance Girls Fresh Foam Sport Shoes – $27.49 (regularly $54.99) Use promo code DOLLARSHIP ($1 shipping) $28.49 shipped after promo code New Balance Boys Shoes – $22.49 (regularly $44.99) Use promo code DOLLARSHIP ($1 shipping) $23.49 shipped after promo code New Balance Boys Spring Canvas Pack Shoes – $24.99 (regularly $49.99) Use promo code DOLLARSHIP ($1 shipping) $25.99 shipped after promo code Valid through August 15, 2019. Thanks, Hip2Save! [...]
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6 Tips for Making Home Repairs Without Getting Hurt

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6 Tips for Making Home Repairs Without Getting Hurt
Making repairs around the house can save you money — but that will be of little comfort if an injury forces you to take time off work or to seek medical care. The tools you use for home repairs — hammers, saws, nails, shovels, ladders and power tools — can be dangerous if you don’t handle them properly. Even careful people have accidents. If a task seems too dangerous... [...]
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How Do I Know If the Hawaiian Airlines World Elite Mastercard Is for Me?

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How Do I Know If the Hawaiian Airlines World Elite Mastercard Is for Me?
With a sign-up bonus, a 50% companion discount, free checked bag and lots more nice benefits, there’s plenty to like about the Hawaiian Airlines® World Elite Mastercard®. But it’s not for everyone. Like any travel rewards card, it’s better suited for some travelers than for others. Here’s how to know if this Hawaiian Airlines-branded card... June Casagrande is a writer at NerdWallet. Email: travel@nerdwallet.com. The article How Do I Know If the Hawaiian Airlines World Elite Mastercard Is for Me? originally appeared on NerdWallet. [...]
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EXPO Low-Odor Dry Erase Markers, Ultra Fine Tip (8 count) only $5.80!

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EXPO Low-Odor Dry Erase Markers, Ultra Fine Tip (8 count) only $5.80!
This post may contain affiliate links. Read my disclosure policy here. Grab a set of these EXPO Low-Odor Dry Erase Markers, Ultra Fine Tip for this great price! Amazon has these EXPO Low-Odor Dry Erase Markers, Ultra Fine Tip (8 count) for only $5.80 right now! This is a great deal on these markers! Sign up for a free trial of Amazon Prime to get free 2-day shipping. And don’t forget you can sign up for Swagbucks to earn free gift cards to use on deals on Amazon. Looking for more Back to School Amazon deals? Paper Mate Pink Pearl Erasers, Large, 12 Count for just $4.29 Ticonderoga Pencils, 96-count for just $9.96 Thermos Funtainer 10 Ounce Food Jar in Teal for only $9.03 EXPO Low Odor Dry Erase Markers, Chisel Tip (16 count) for only $10.94 Learning Resources Calendar & Weather Pocket Chart for only $17.63 BIC Xtra Smooth Mechanical Pencils (40 count) for only $6.63 Skip Hop Zoo Kids Unicorn Insulated Lunch Box for just $8.88 Westcott School Left and Right Handed Kids Scissors (12 pack) for only $9.98 when you clip the $2.50 off e-coupon! Elmer’s All Purpose School Glue Sticks, Washable, 60 Pack for just $14.87 Crayola Washable Gel Pens, 14 count for only $7.94 Be sure to check out all of the Best 2019 Back To School Deals! Don’t forget you can also sign up for our daily email newsletter to get all of the best back to school deals emailed to you every week! And be sure to check out my post on 5 Simple Ways to Save on Back to School Deals. Thanks, Passionate Penny Pincher! [...]
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Kinetic Sand Folding Sand Box + 2 Pounds Of Kinetic Sand

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Kinetic Sand Folding Sand Box + 2 Pounds Of Kinetic Sand
This would be a great gift idea to grab now and use later for your kiddos. You can order the Kinetic Sand Folding Sand Box + 2 Pounds Of Kinetic Sand for only $20.69. You will be saving 31% on this purchase it is usually $29.99. Be sure that you grab this deal soon because ... Read More about Kinetic Sand Folding Sand Box + 2 Pounds Of Kinetic Sand The post Kinetic Sand Folding Sand Box + 2 Pounds Of Kinetic Sand appeared first on Penny Pinchin' Mom. [...]
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The 60/20/20 Budget Puts Needs Before Wants. Here’s How to Try It

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The 60/20/20 Budget Puts Needs Before Wants. Here’s How to Try It
I always thought the right budget breakdown was the tried-and-true 50/30/20 method, where 50% of my monthly take-home pay goes toward living expenses, 20% toward savings and 30% toward whatever I want.  But when I finally got a financial advisor, I was surprised to hear that his recommendation wasn’t 50/30/20 after all — it was the 60/20/20 budget.  During our first meeting, we discussed all of my finances. I explained to him that I own a home in a costly state (hello, New Jersey), commute to work in New York City, aim to save a large amount every month and have little debt.  With all of this and more in mind, his recommendation of the 60/20/20 budget made perfect sense. I immediately became a huge fan of how the money I save and spend on whatever I want is equal — each 20%.  Plus, knowing I was allowed 60% of my monthly budget for my living expenses, I had a little more flexibility over my fluctuating bills like groceries and electricity.  How Does the 60/20/20 Budget Work? Let’s say your monthly take-home pay is $4,000. According to the 60/20/20 budget, you should allot 60% (or $2,400) to your monthly living expenses, 20% (or $800) to savings and then 20% (another $800) to your personal wants.  It’s not much different than the 50/-30/-20 budget, but it puts more of a focus on fixed expenses and savings than personal wants and spending. My financial advisor, Northwestern Mutual insurance agent Nicholas Verard Zanoni, said this method can help you build structure into your budget and learn how to save.  “This is a rule-of-thumb guideline to start out with and visualize,” Zanoni said. “Whether it’s 50/30 or 60/20, it’s really just splitting hairs in a lot of ways. Ultimately, my goal is to help coach my clients at first to spend 80% and save 20%.” When you take a step back and look at how much of your take-home pay goes into each of these three buckets, you can better analyze your spending in order to make smarter savings decisions. How to Get Started With the 60/20/20 Budget If you’re ready to use the 60/20/20 budget, start by taking inventory of your finances. Write down every monthly expense you can think of and keep track of them in a spreadsheet. Then look at how much you’re spending through the lens of the 60/20/20 budget.  From there, consider using a financial app to help you find ways to cut back and save even more. “People should focus on treating their savings like a bill, an obligation and not so much of an option,” Zanoni said. “Focusing on fixed expenses and saving helps identify the money that might be being spent unnecessarily or without much recognition. More often than not, most individuals are not aware of all of the things they spend money on.” FROM THE BUDGETING FORUM Have you tried the Zero Based budgeting method? 6/7/19 @ 1:58 PM How do you distribute your income? 8/5/19 @ 1:38 PM T TRIM Services 8/5/19 @ 1:32 PM L Hi 8/2/19 @ 3:42 AM J See more in Budgeting or ask a money question How the 60/20/20 Budget Helps You Be Aware of Your Spending  This budget could help you be more aware of your spending habits, especially when you’re doling out the dough for things you don’t really need (hi, super cute sweater from H&M) or that you’re not using (hello, monthly streaming subscriptions). Instead of equally spending $800 on savings and $800 on your personal wants, perhaps you’d want to put $1,000 toward your savings and only spend $600 on your personal wants. That would shift the 60/20/20 budget to 60/25/15, and you’d be saving more.  “In order to reach the goals we have for ourselves, we very typically find that we need to increase savings to 25 or 30% over time to reach those goals,” Zanoni said. “People may not be able to start out at 20%, but that’s what we want to help them achieve and work toward at first. Over time, we will need to be saving more as we continue to progress in life every single year.”  Lastly, Zanoni said to keep your goals in mind and consider working with a financial advisor who can help you stay on track. “Focusing on that budget and making sure that they work with someone to help optimize that budget for all of their goals is really the most important part,” Zanoni said. Budgeting is all about finding ways to set yourself up for financial freedom. Starting now can really make a difference in the future. Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM) and its subsidiaries. Nicholas Verard Zanoni is an insurance agent of NM. Hilarey Wojtowicz is the senior career and finance editor at Swirled, a lifestyle newsletter and website that helps millennials learn everything they need to know in order to truly start adulting. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Truman’s Non-Toxic Household Cleaners Starter Kit for just $7.50 shipped!

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Truman’s Non-Toxic Household Cleaners Starter Kit for just $7.50 shipped!
This post may contain affiliate links. Read my disclosure policy here. Interested in non-toxic household cleaning options? Check out this deal on Truman’s Household Cleaners!! Have you heard of Truman’s? It’s a relatively new subscription service that delivers non-toxic household cleaners to your doorstep! Each Truman’s delivery includes four different cleaners for your kitchen, floors, bathroom, and glass surfaces. (And the kitchen spray is also an all-purpose cleaner!) You receive the spray bottles and cleaners on your very first delivery and then cleaner refill cartridges on each subsequent delivery. Each delivery of cleaners should last you 6 months, but you can pause, skip, cancel, or change your subscription at any time. And right now you can get 50% off your first subscription with code SUMMER at checkout. Here’s how: Head over to this page. Click on “Get Your Starter Kit.” Choose the $15 option. When you choose this option, you’ll be signed up for automatic subscriptions but you can pause, skip, or cancel your subscription at any time after your first order ships out. Click through to checkout. On the page where you enter all of your information, look on the right side of the page where it says “Have a discount code? Enter it here.” Use code SUMMER to get 50% off! You’ll pay just $7.50 and shipping is FREE. If you love Truman’s cleaning products and want to continue with your subscription, you’ll be automatically charged at the regular price of $15 for your subsequent deliveries. (Note: The next delivery ships out after 45 days, so be sure to go in and change that since each delivery lasts for 6 months!) If you don’t want to continue after your first discounted starter kit, just go in and cancel before your next shipment. Super simple! This seems really cool! Have any of you tried it yet? I’d love to hear in the comments! Go here to get your Truman’s Starter Kit for $7.50! (Just use code SUMMER.) [...]
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First-Time Home Buyer Class: Why Take It?

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First-Time Home Buyer Class: Why Take It?
A first-time home buyer class has been suggested to you — perhaps by a lender, friend or real estate agent. And you’re thinking, “What’s the point?” But what if you were paid a nice chunk of change to take the class? In effect, that may actually be the case. A first-time home buyer class, and... Hal M. Bundrick, CFP is a writer at NerdWallet. Email: hal@nerdwallet.com. Twitter: @halmbundrick. The article First-Time Home Buyer Class: Why Take It? originally appeared on NerdWallet. [...]
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Credit Freezes: A Powerful (and Free) Way to Fight Identity Theft

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Credit Freezes: A Powerful (and Free) Way to Fight Identity Theft
Another day, another massive data breach.  Equifax, Capital One, Marriott … the list seems endless.  And as more of our personal information is digitized, the risk of it ending up in the wrong hands rises, leaving us increasingly vulnerable to identity theft and trashed credit. But while the scope of these data breaches can seem overwhelming (1.1 billion identities were exposed in 2016 alone), the reality is that you are not powerless. You can defend yourself, and you don’t have to go off the grid and hide out in a bunker in New Zealand. One of the most powerful ways to defend yourself is a credit freeze. Setting it up is simple, and best of all, it’s free. What’s a Credit Freeze? Credit Sesame defines a credit freeze as “a process which locks down your credit file and prevents identity thieves and cyber criminals from opening credit in your name.” Basically, access to your credit file is inaccessible to everyone except you.  Creditors, such as banks and credit card companies, ask to see credit report before opening new accounts. Since they won’t be able to see your credit history, they won’t be able to extend you a line of credit. Makes sense, right? And no, it won’t negatively affect your credit score. When Should You Freeze Your Credit? Many people freeze their credit after their identities have been stolen, which is fine. However, you’re basically in a race against the criminal. Who can get to your credit report first? Steven Weisman, a Bentley University professor and author of the fraud and identity theft blog Scamicide, suggests freezing your credit now — and always. He thinks of the tool as a “preventative medicine.” “This is the single best thing someone can do to protect themselves from being a victim of identity theft,” he says. “Even if your Social Security number was in the hands of an identity thief, you’d still be protected.” If you’d rather not put your credit on perma-freeze, then you should also consider it under the following circumstances: You’ve been the victim of a data breach. (At this point, that’s nearly all of us.) You believe you may have become a victim of identity theft. You want to protect your child’s credit. Once your credit is frozen, you will still have access to your credit report, as will current creditors and debt collectors.  Employers — both current and potential — have limited access to your credit report, as do some government agencies.  What Does a Credit Freeze Cost? Credit freezes now cost nothing, thanks to the Economic Growth, Regulatory Relief and Consumer Protection Act, which became effective in September 2018. Prior to the law’s passage, credit freezes used to cost between $5 and $15 to set up, with a second charge to unlock the freeze.  (Victims of fraud were typically exempt from paying these costs.) This is the single best thing someone can do to protect themselves from being a victim of identity theft. The law also allows you to unfreeze and refreeze your credit at any time, at no cost. How to Freeze Your Credit It will take a bit of legwork on your part. You’ll need to request a credit freeze from each of the three main credit bureaus: Equifax, Experian and TransUnion. Each bureau has a slightly different process.  1. Contact the Three Major Credit Bureaus Have information like your Social Security number, birth date and most recent addresses on hand when you make your request. You can freeze your credit by mail, by phone or online. How to Freeze Your Credit With Equifax Online: https://www.equifax.com/personal/credit-report-services/ Phone: 800-685-1111 Mail: Equifax Security Freeze, P.O. Box 105788, Atlanta, GA 30348 How to Freeze Your Credit With Experian Online: https://www.experian.com/freeze/center.html Phone: 888‑397‑3742 Mail: Experian Security Freeze, P.O. Box 9554, Allen, TX 75013 How to Freeze Your Credit With TransUnion Online: https://www.transunion.com/credit-freeze Phone: 888-909-8872 Mail: TransUnion LLC, P.O. Box 2000, Chester, PA 19016 Note: All three credit bureaus say requesting a credit freeze by mail is the slowest method, and so if time is of the essence, you should consider requesting the freeze over the phone or online. If you do opt to request a credit freeze by mail, make sure to include your full name, date of birth, Social Security number, last two addresses, a clear copy of a government-issued identification card and a clear copy of a utility bill, bank statement or other form of proof of address. 2. Receive Your PIN and Keep It Safe The credit bureaus will set you up with a PIN, which will allow you to manage your credit freeze. Once you receive this number, make sure you keep it in a safe place where you can always find it. You will need to use it if you ever need to unfreeze — or “thaw” — your credit, like if you decide to apply for a mortgage or open a new credit card. 3. Manage Your Credit Freeze Your credit freeze should be active one business day after you make the request online or by phone. (The time frame for mail requests is three days.) You can manage it by logging into the bureau’s site using the credentials you established when you requested the credit freeze. If you want to make any changes via phone or mail, you’ll need to have that PIN on hand. How to Unfreeze Your Credit The time may come when you will need to unfreeze your credit — say, to apply for a credit card or shop for a loan. To do so, go to the credit bureau’s website and use the credentials you set up to request the thaw.  The freeze should be lifted within an hour, as required by federal law. (If you choose to request your credit thaw by mail, your wait time will be considerably longer — at least three business days from the receipt of the request.)  You can also request to have the freeze lifted temporarily, which is especially helpful if you are looking to rent an apartment or applying for a job, and then want to go back into lockdown. Pro Tip If you know which credit bureau your future landlord, creditor or employer will be contacting, you can save yourself some time by requesting the freeze be lifted for only that credit bureau. Pros and Cons of Credit Freezes The pros of having your credit frozen are pretty straightforward: It prevents anyone from opening new accounts in your name. It won’t affect your credit score. Best of all, it’s free. However, there are some possible pain points you should consider before requesting a credit freeze: Requesting and managing credit freezes through three credit bureaus can be a pain. You’ll need to lift the freeze if you want to apply for a new credit product. It doesn’t protect your existing accounts. FROM THE CREDIT FORUM REBUILDING CREDIT AFTER BANKRUPTCY 3/24/19 @ 1:56 PM savings account 8/5/19 @ 1:35 PM C Were you affected by the Equifax Data Breach? 7/31/19 @ 4:42 AM Effective Methods to Get The Best Credit Rating 6/27/19 @ 1:01 PM See more in Credit or ask a money question What Else Can You Do to Protect Your Credit? As we said earlier, a credit freeze can be an incredibly powerful and effective tool to protect your identity and your credit, but you shouldn’t allow it to lull you into a false sense of secur [...]
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Candy Chemistry

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Candy Chemistry
Grab this great science fun and save! You can get Candy Chemistry for only $19.79. You will be saving 46% on this purchase because it is usually $36.95. Be sure that you grab this deal soon because the prices can change at any time. The post Candy Chemistry appeared first on Penny Pinchin' Mom. [...]
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Dick’s Sporting Goods: Up to 85% off Reebok Apparel!

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Dick’s Sporting Goods: Up to 85% off Reebok Apparel!
This post may contain affiliate links. Read my disclosure policy here. Love Reebok? Score some great deals on Reebok apparel right now! Wow! Dick’s Sporting Goods is offering an extra 60% off select Reebok shoes and apparel for the whole family right now! No promo code is needed. Please note that these prices will not show up until you add them to your cart. Here are some deals you can score… Get this Reebok Boys 24/7 Jersey Hoodie for only $3.58 (regularly $25)! Choose from two colors. Get these Reebok Boys Mesh Pants for only $4.79 (regularly $20)! Get this Reebok Women’s Crewneck Jersey T-Shirt for only $4.40 (regularly $15)! Get these Reebok Girls’ Side Stripe Cotton Capris for only $3.59 (regularly $20)! Get these Reebok Boys’ Heather Cotton Fleece Jogger Pants for only $3.99 (regularly $25)! Choose free in-store pickup to avoid shipping costs. Thanks, Hip2Save! [...]
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Back-to-School Shopping: Kids Influenced by Social Media Push Parents to Overspend

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Back-to-School Shopping: Kids Influenced by Social Media Push Parents to Overspend
Kids pushing their parents for the coolest in back-to-school gear is a late-summer tradition, and today, youngsters have some backup: social media influencers. Peer and social media influences on children are not news unto themselves, but it turns out these factors are affecting how parents spend their back-to-school dollars, according to a new NerdWallet survey... Elizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. The article Back-to-School Shopping: Kids Influenced by Social Media Push Parents to Overspend originally appeared on NerdWallet. [...]
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How to Pay off Credit Card Debt When You Have No Idea Where to Start

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How to Pay off Credit Card Debt When You Have No Idea Where to Start
We know how incredibly easy it is to rack up credit card debt.  More than 40% of American households carry a credit card balance, with an average balance of more than $9,000, according to a study from the financial data website ValuePenguin.  But here’s the tricky thing about credit cards: They only benefit you when you’re building credit and receiving perks — but not when you’re paying interest. If you’re paying a lot of interest on your balances, credit card companies are making money off of you. Your cards are using you, not the other way around. With average interest rates on new credit cards north of 17%, according to CreditCards.com, paying them off is a smart move. You can do it. And it’ll be worth it. 5 Ways to Pay off Debt From Multiple Credit Cards Before you start, try to stop using your credit cards altogether until you can use them without putting yourself in financial risk. Though the specifics will vary based on your situation, we only recommend using credit cards if:  You don’t have any debt outside of a mortgage or student loans. You have an emergency fund with three to six months of expenses saved. You can pay off your balance in full every month. However you do it, make paying off your credit cards — and learning to use them responsibly — a high priority.  First, determine how much credit card debt you have. You can do this using a tool like Credit Sesame, a free credit monitoring service.  Credit Sesame will also show you how to raise your credit score. James Cooper, a motivational speaker, raised his credit score 277 points following suggestions from the site. Then choose your weapons! We’ll go over five different methods for paying off your credit card debt. 1. The Debt Avalanche Instead of looking at your debt in its entirety, we recommend approaching it bit by bit. By breaking your debt down into manageable chunks, you’ll experience quicker wins and stay motivated.  Two popular ways to break down debt repayments are the debt avalanche and debt snowball methods.  Using the debt avalanche method, you’ll order your credit card debts from the highest interest rate to the lowest. You’ll make minimum payments on all your cards, and any extra income you have will go toward the highest-interest card.  Eventually, that card will be paid off. Then, you’ll attack the debt with the next-highest interest rate, and so on, until all your cards are paid off. 2. The Debt Snowball With the debt snowball method, you’ll order your debts from the lowest balance to highest, regardless of the interest rates on the cards. You’ll make minimum payments on all your cards, and any extra income will go to the credit card with the smallest balance. Starting with the smallest balance allows you to experience wins faster than you would with the avalanche. This method is ideal for people who are motivated by quick wins, but it has a downside: Those who choose it could end up paying more interest over the long term.    Here’s an example of how each method would work if you’re paying off four credit cards of varying balances and interest rates. $654 with 0% interest $5,054 with 15% interest $2,541 with 23% interest $945 with 17% interest If you followed the avalanche method, you’d pay off card No. 3 first, followed by No. 4, No. 2 and No. 1. If you followed the snowball method, you’d pay off card No. 1 first, followed by No. 4, No. 3 and No. 2.  Let’s say you have $600 per month to put toward debt. Using the snowball and avalanche comparison calculator from Dough Roller, you can see that it would take you 18 months to pay all of your cards off using either method.  The debt avalanche method would save you $105.73 of interest in the end, but you’d pay off your first card six months earlier by going with the snowball. Choosing the right method comes down to deciding whether you’d rather get quick results or save money on interest. We encourage you to check out Dough Roller’s calculator yourself, so you can calculate what each method would cost you. 3. The Balance Transfer  If you have good to excellent credit (typically a FICO score of 670 or above) and can feasibly pay off your debt within a year, a balance-transfer credit card is a great option. Balance-transfer cards can save you money on interest charges by letting you transfer the balance of a card with a high interest rate to a card with 0% interest.  Most of these cards offer 0% interest for 12 to 18 months with no annual fee. They generally have a 2% to 5% balance-transfer fee, but you can easily find balance-transfer cards with no fee. A higher credit score will help you qualify for a card with better terms. 4. Take out a Loan  You might look at getting a loan to consolidate and refinance your debts. If you get a loan with a lower interest rate and pay off your credit cards, that lower rate could potentially save you thousands of dollars in interest.  This is a realistic way to pay off credit card debt if you currently have little or no money to put toward it. Let’s look at two options here: A personal loan or a home equity loan.  Personal Loan  Online marketplaces will allow you to prequalify for a personal loan without doing a hard inquiry of your credit, so if you want to shop around, head there first. It won’t affect your credit score.  A good resource here is Fiona, a search engine for financial services, which can help match you with the right personal loan to meet your needs. It searches the top online lenders to match you with a personalized loan offer in less than a minute. Home Equity Loan  If you own a home with equity, you have three ways to borrow money against the value of your home: a home equity loan, home equity line of credit or a cash-out refinance. With a home equity loan, the lender gives you your money all at once, and you repay it at a fixed interest rate over a set period of time. With a home equity line of credit, you’re given a limit to borrow. Within that limit, you can take as little or as much as you need whenever you want. With a cash-out refinance, you refinance your first mortgage with a mortgage that’s slightly more money than your current one, and pocket the difference. For homeowners, these options will most likely offer the lowest interest rates. But they’re also the riskiest, because your home is the collateral — something you own that your lender can take if you don’t pay off the loan.  5. Debt Settlement The world of debt collections and creditors can be confusing, intimidating and sometimes even illegal. There’s a common misconception, for example, that someone can take your house or you can go to jail for not making your payments. But credit card debt is unsecured debt, meaning no one can put you in jail or take your house if you don’t pay it. If you’re being harassed by creditors or have circumstances that make your debt repayment confusing, don’t give up before finding out your options for assistance. Debt Management Program With a debt management program, a credit counseling company will handle your consolidation in hopes of getting you better interest rates and lower fees. You’ll be assigned a counselor, who will set up a repayment and education plan for you. This program is specifically for unsecured debt, like credit cards and medical bills. A debt management program pays your creditors for you to ensure you stay current on your debt payments. Your credit score may even improve during the program. But if you miss a payment, you can be dropped, and you’ll lose all the benefits you gained. Debt management plans usually don’t reduce your debt, but they may reduce your interest rates by as much as half or extend your payment timeline to make paying your debt more manageable. Credit Card Debt Settlement If you’re in more than just a temporary season of financial instability, and you can’t see yourself affording the amount of credit card deb [...]
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Outside Magazine Discount

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Outside Magazine Discount
Snag big savings on a subscription to Outside Magazine!! OUTSIDE SUBSCRIPTION DISCOUNT Now through 8/6/19 (11:59 pm EST), order a subscription to Outside Magazine for just $4.99 per year! That is a savings of 89% off the list price!  You can order up to 2 years at this low price.  Enter the coupon code PENNYPINCH ... Read More about Outside Magazine Discount The post Outside Magazine Discount appeared first on Penny Pinchin' Mom. [...]
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2019 Goals: July Update

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2019 Goals: July Update
Did you set goals for 2019? Here’s an update on how I did on my 2019 goals in June. It’s August 5, 2019. And it’s time to check in on our goals! How are you doing on the goals you set for 2019? I spent some time today reviewing July and reflecting on the blessings of the past month and the lessons I learned. I also looked at my goals and how I was doing in each area. (If you missed My Goals for 2019 post, read it here.) In order to keep myself accountable (and because I know some of you really enjoy these posts) I’m sharing a goals update post at the beginning of each month. I hope that this will not only motivate me to be focused and intentional this year, but I hope it might also inspire you in the goals you set for 2019. So here’s my goals update for July 2019: Personal Goals 1. Read 40 books I already own. (I’m using GoodReads to track my reading this year!) Update: I finished 6 books in July — and three of them were from my list of books I already own and wanted to read this year. Look for a Book Update in the next week! 2. Slowly read through the New Testament using the She Reads Truth Bible reading plans. Update: I finished 1 & 2 Thessalonians, 1 & 2 Timothy, Titus, Philemon, Hebrews, and James 3. Listen to 2 audiobooks per month. (I use the Libby app to get these for free.) Update: I finished to 3 audiobooks in July. 4. Complete all of the Organize in 5 Diary tasks to get our home more organized and set up better organizational systems. (Psst! Did you get yours? It’s just $9 right now.) Update: I have been keeping up with this. (You can see two posts I did on some of my organizing projects in January and February: Cleaning Out the Cookbooks & Organizing My Purse & Bathroom.) 5. Stay offline for 4 hours per day, 5 days per week. (I share more about why I chose this goal here.) Update: I did a pretty good job of this in July. 6. Leave my phone in the basement every night. (I talk more about what inspired me to make this goal here.) Update: So, honesty here: Ever since I took email off my phone at the beginning of May, I haven’t really felt such a need to not have my phone by my bed and I’ve sort of slipped out of this habit. But I want to get back to it and hope to start this in August. 7. Go to bed before 10:30 p.m. 5 days per week. (I’m using this little spreadsheet I made to track most of my personal goals) Update: I did a much better job of this in July — yay! Marriage Goal 8. Go on an overnight trip with Jesse without the kids. Update: We went on an incredibly fun trip to Destin, FL! Jesse and I drove by ourselves to FL and then we met up with two other couples there. We stayed in an AirBNB and split the cost three ways. Since it was off season, it made for a very inexpensive trip and we had the BEST time! Motherhood Goal 9. One-on-one time with each child at least 3 times per week. (I am planning to dedicate 40 minutes per child after dinner each evening at least three nights per week to hang out and spend time with each child individually.) Update: I did a pretty good job of this in July. Family Goal 10. Take the kids to at least two continents and 4 states we haven’t traveled to. (We’re hoping to travel to Europe in the summer and South America at some other point during the year.) Update: We went to Iceland (Europe) in June and also to Minnesota, Wisconsin, Iowa, Utah, Wyoming, Montana, and Idaho. I’m not sure if we’re going to be able to cross another continent off our list this year… I’m still hoping to find a really good deal on flights/travel, but we’ll see. Financial Goals 11. Pay cash to redo our room and renovate our bathroom (we have to pull out the shower and put in a new one because it was installed incorrectly and is leaking and ruining the floor/wall and we want to do a few renovations while we’re at it + we want to finally decorate our room — we left it really bare when we moved in and decided to wait to prioritize it in the budget). Update: We finished the bathroom renovation at the end of July! We still need to work on our room. 12. Pay cash to paint the walls in the main floor of our home. 13. Fully fund our Emergency Fund. Update: This is DONE! YAY! Business Goals 14. Redo/set up a much more intentional customer acquisition experience for all three of our email newsletters. Update: We’ve been hard at work behind the scenes working on this and made some good progress in July. 15. Finish launching the rest of our beginner Your Blogging University courses. (If you want to start a blog, be sure to check out my other site, Your Blogging Mentor.) Update: I’m working on my next course, Monetize Your Blog, and it’s going to be a bigger/more comprehensive course than I’ve ever done but I’m continuing to make good progress. (Some of the bloggers from my Mastermind group got together for a one day event in July! It was such an amazing day!) 16. Launch a Blog Coaching/Accountability Group membership. (I’ll be opening this up to a very limited number of people in January of 2019. Stay tuned!) Update: We opened this up to new members in April and I’m just loving leading this! Interested in being the first to find out when we open up to new members again? Be sure to join the waitlist! How are YOU doing on your goals for 2019? I’d love to hear about your successes and struggles. Tell us in the comments! [...]
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FINRA Proposes to Ease Restrictions on Initial Equity Public Offerings and New Issues

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FINRA Proposes to Ease Restrictions on Initial Equity Public Offerings and New Issues
The Financial Industry Regulatory Authority (FINRA) is proposing to amend its Rule 5130 and Rule 5131 to ease certain restrictions on initial equity public offerings and new issue allocations and distributions. FINRA Rules 5130 and 5131 are designed to protect the integrity of the public offering process by, among other things, generally prohibiting FINRA members from selling a new issue to an account in which a “restricted person” has a beneficial interest in order to ensure that industry insiders, including members and their associated persons, do not take advantage of their insider position to purchase new issues for their own benefit at the expense of public customers. FINRA has proposed amending the Rules to remove certain impediments to capital formation deemed unnecessary to protect investors to address the impact of the rules on family offices, sovereign entities, foreign employee retirement benefits plans, foreign investment companies and executive officers and directors of charitable organizations. If adopted, the proposal would amend Rule 5130 to exempt foreign employee retirement benefits plans, exclude sovereign entities that own broker-dealers from the categories of restricted persons, and broaden the scope of “family investment vehicle” under the rule. In addition, the proposal would amend Rules 5130 and 5131 to exclude from the definition of “new issue” offerings that are conducted pursuant to Regulation S under the Securities Act of 1933 and other offerings outside of the United States and its territories. The proposal also would amend Rule 5131 to exclude unaffiliated charitable organizations from the definition of “covered non-public company.” The proposal also would make certain additional minor amendments to Rules 5130 and 5131 to make the rules more consistent. FINRA’s proposal is available here.   [...]
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7 Incredible but True Inheritance Tales

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7 Incredible but True Inheritance Tales
Dean Drobot / Shutterstock.com Ever daydream about coming into a sudden fortune? It’s a common fantasy. And, while we shouldn’t count on it, this fantasy does come true on occasion. Through strange and sometimes bizarre circumstances, the poor are elevated to the ranks of the very wealthy. Following are true stories of people — and animals — getting rich from surprise... [...]
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How to Prepare for the Budget-Busting Cost of Day Care

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How to Prepare for the Budget-Busting Cost of Day Care
Finding the right child care option for your family and your budget can feel like a Catch-22. You want the best for your kid — a friendly, well-qualified caregiver who will meet all your child’s needs. But the best of anything is expensive, and you don’t want to be working so much just to afford child care that you never have time to see your kid. This is where good budgeting comes in handy. You need the reality of your financial situation to match up with the costs you’ll have to pay. Whether you’re early in your pregnancy or nearing the end of maternity leave, here’s what you need to have in mind when setting your child care budget. Establish What You Can Afford for Your Child Care Budget Child care can take up a significant chunk of parents’ budgets. Last year, The Penny Hoarder surveyed over 1,200 adults and found half spent at least 15% of their income on child care. Unless you regularly have hundreds of dollars in surplus at the end of every month, finding the funds to pay for day care will require making changes. Pull out your budget — or if you don’t regularly budget, pull out bank statements and receipts from the past few months and calculate the average of what you spend in each category. Now go through your expenditures and see where you can make cuts. What nonessentials can you cut? See where you can reduce spending on dining out, entertainment, clothing and personal care. Pro Tip Using the cash envelope system can help you stick to your spending limits. Once the cash in your envelopes is gone, no more spending until the next pay day. Your essential spending isn’t off the hook either. Implement money-saving grocery shopping tips. Opt for a cheaper cell phone plan. Are you able to move to a more affordable home or downgrade to a less expensive car? Another place you’ll want to analyze in your budget is what you’re spending to reach your financial goals. While it’s certainly prudent to pay more than the minimum on your debt and to exceed your employer’s 401(k) match, now might be time to focus on your most immediate financial challenge. Of course, cutting your spending isn’t the only way to find room in your budget. Increasing your income is always a plus. Could you or your partner ask for a raise or secure a better-paying job? Are you able to pick up a side gig? If you can find a way to increase your income without increasing the need for more hours of child care, you’ll be ahead of the game. FROM THE BUDGETING FORUM Hi 8/1/19 @ 11:42 PM J Can Drinking Coffee Affect Your Finances? 3/25/19 @ 10:30 AM Apple iOS apps in Canada 6/28/19 @ 2:08 PM Budgeting tips 6/14/19 @ 8:36 AM See more in Budgeting or ask a money question Research Child Care Costs In Your Area Next, you need to get familiar with how much child care costs where you live. Try not to be intimidated by the scary claims that child care costs more than housing or college tuition. Yes, that can be true, but child care generally comes in a wide range of options at various price points.  Licensed caregivers who operate day cares out of their homes usually charge less than a formal child care center. Enrolling your little one in a center typically costs less than hiring a full-time nanny.  According to Care.com’s Cost of Care survey, parents in 2018 spent an average of $199 a week on in-home care, $213 a week for child care centers and $596 a week to have a nanny. However, costs vary greatly by region. What you pay can also depend on your child’s age. The younger your child is, the more expensive care generally will be. After deciding what type of care you prefer, start researching options in your area. Get recommendations from people you know. Check sites like Care.com, ChildCare.gov and Child Care Aware of America. Search Facebook and Nextdoor for local providers and parenting groups.  Local parenting publications may have information or advertisements about child care centers. Your school system might operate a program for preschoolers or at least have some insight about which preschools their kindergartners are coming from. When you’re vetting child care providers, you’ll want to ask a ton of questions to determine if they’d be a good fit. Cost isn’t the only important factor. However, when asking about the rates, make sure to ask about registration fees, if meals or snacks are included and if there are any additional costs like supplies or field trips. Ask about the price of wrap-around care if standard hours don’t cover your typical work day. Consider the transportation costs involved in getting your child to and from child care. Pro Tip Don’t forget to inquire about availability. It doesn’t matter that an option is perfect and affordable if families have to be on a waiting list for years. Figure Out a Plan that Works for Your Family Finding child care isn’t always as easy as determining how much you can spend and finding a place that fits your budget. Sometimes there just isn’t enough money to stretch. Depending on your income and family size, your family might qualify for child care assistance via programs like Head Start, a government subsidy or financial aid through nonprofits like the YMCA or the United Way.  Some employers offer benefits for working parents, such as tuition discounts at day care centers or dependent care flexible spending accounts. Other companies allow employees to work remotely or bring their baby to the office. Some parents in a pinch work out informal caregiving arrangements with grandparents or another family member. Plenty of parents find they have to make tough sacrifices, like quitting their jobs, working less hours or working schedules opposite of their partner so one parent is always home. Child care costs can have a huge impact on your budget — and your life — but at least it’s only a temporary aspect of raising a child. You’ll hit some financial relief once your kid starts kindergarten. Then you can switch your focus to saving money for college! Nicole Dow is a senior writer at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Collision Insurance: What It Covers and Who Needs It

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Collision Insurance: What It Covers and Who Needs It
Collision insurance sounds pretty straightforward, but it won’t cover every bill after a crash. Collision coverage pays to repair your own car’s damage when you hit another vehicle or object such as a lamppost or fence. It may also pay if another driver hits your car and doesn’t have enough insurance to pay for the... Lacie Glover is a writer at NerdWallet. Email: lacie@nerdwallet.com. The article Collision Insurance: What It Covers and Who Needs It originally appeared on NerdWallet. [...]
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Fisher-Price Thomas & Friends Adventures, Space Robot Set

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Fisher-Price Thomas & Friends Adventures, Space Robot Set
Have a little one that loves Thomas & Friends Adventures? This would be a great deal to grab now and use as a gift idea during the holidays! You can order the Fisher-Price Thomas & Friends Adventures, Space Robot Set for only $10.67. You will be saving 57% on this purchase because it is usually ... Read More about Fisher-Price Thomas & Friends Adventures, Space Robot Set The post Fisher-Price Thomas & Friends Adventures, Space Robot Set appeared first on Penny Pinchin' Mom. [...]
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New Grad? This 6-Step Guide Will Help You Determine What You Owe in Loans

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New Grad? This 6-Step Guide Will Help You Determine What You Owe in Loans
If you’re a recent graduate, the last thing you want to think about is the past, right? It’s all about the future. However, if you took out student loans, the time to look back is now (actually, it probably should have been sooner, but let’s not quibble over semantics). If you’re like most grads, you took out multiple student loans over your four(ish)-year career as a college student — consumers with educational debt had an average of 3.7 student loans, according to a 2017 Experian report.  Unfortunately, 11.4% of aggregate student debt was 90 or more days delinquent or in default in the fourth quarter of 2018, according to the Federal Reserve. That means there are a lot of people not paying their student loans on time — or perhaps at all. But you won’t be one of them, right? You just need a little help figuring out who you owe… and how much… and when it’s due. Oh, and how long before these loans are paid off and out of your life (spoiler alert: you might get a temporary reprieve on payments if your loan has a grace period). Fortunately, you have The Penny Hoarder to help you organize your student loan debt in way to pay it off in a timely, cost-effective way so you can get back to that future thinking. How Much Do I Owe in Student Loans? It would be nice if you could put a simple, smallish figure down on paper and be done. But student loans can get complicated, and you should have all the essential information before you formulate a plan of attack for paying them off. We’ve come up with the list of questions you should be able to answer about both your federal and private student loans to truly know how much you owe. That could mean a few trips to the interwebs, a close reading of your loan agreement and/or a call to your lender. Let’s get started. 1. Who Is My Student Loan Servicer? There’s no sense in knowing how much you owe if you don’t know who you owe it to, right? Federal Student Loans  Dig out your FAFSA (Free Application for Federal Student Aid) login and password to sign onto studentloans.gov. Here you will find a list with your federal student loans.  Each entry will also indicate the company hired by the federal government to service the loan — look for names like Navient, Great Lakes or FedLoan, three commonly used loan servicers. Any further interaction in regards to your loan should go through your loan servicer. If you need more info about your loans  — such as when your loan was disbursed — log into the National Student Loan Data System (NSLDS.ed.gov).  “Use that same federal student aid login and password to login,” said Heather Jarvis, a North Carolina attorney who specializes in student loans. “That site is much less formatted and is less easy to read than studentloans.gov, but it does have more information.” Private Student Loans Private student loans are more difficult to track — especially if you accepted them without much thought as a 17-year-old … and you lost any paperwork four moves ago … and your loan’s been sold.  If you’re at a total loss for who to contact, start with your alma mater.  “The college admissions office is going to know who paid the tuition,” said Melinda Opperman, executive vice president of credit.org. She recommended asking for a duplicate copy of the loan agreement, which the college should have in its records.  “If they can’t provide that, at least [ask for] the phone numbers of who to get in touch with,” Opperman said. No luck with your college? There’s one more source that will have your private loan info: your credit report, which you can order online for free from annualcreditreport.com. “Look for all the education loans listed on your credit report, and then compare the loans on your credit report to the loans that you’ve identified as federal,” Jarvis said. “If there are any loans on your credit report that are not on studentloans.gov, it’s because they’re private student loans.  “And your credit report will list the name of the lender.” 2. What Is the Principal Amount? Regardless of the type of loan, it’s important to know two things about the principal:  What is the amount you initially borrowed? What is the current amount of principal you owe? If you’ve made any payments toward your loan, you should be aware of whether the payments were going toward interest or principal. These totals should reflect that. Knowing both the initial loan amount and current principal will be important for calculating interest. Federal Student Loans The fed’s information about your loan balance could be up 120 days old, so you should contact the lender directly for the updated amount.  Private Student Loans For private loans, it’s best to contact the lender directly for the current principal, although your most recent statement should also have this information. 3. What Is the Interest Rate? Knowing the interest rates can help you prioritize which loans to tackle first. Paying off in order of the highest to lowest interest using the debt avalanche method will save you money in interest over the long term. Federal Student Loans The feds don’t consider your college career collectively — each academic year you start anew. The same goes for your interest rates. “The interest rates set for federal student loans are set annually for the upcoming academic year, and they’re not always the same from one year to the next,” Jarvis said. “So people might have a variety of interest rates.” The good news about federal loans? Unless the loans were issued before 2006, your interest rate will be fixed. So that rate will remain the same over the life of the loan. Private Student Loans Private student loans are less likely to have fixed interest rates, so you’ll have a little more homework to do with them.  “Often, private loans are at variable interest rates, so they can change over time,” Jarvis said. “Everyone who has a private loan at a variable rate should know a couple of things: They should know how often the rate changes and they should know whether there’s any cap on how high the rate can go.” Pro Tip Making an extra payment—using a tax refund, perhaps—lowers the amount of interest you pay over the life of the loan. Specify to your lender that the extra money should be applied to your loan balance. If your interest rate seems really high, that’s probably because it was based on your credit score — and lack of credit worthiness as a college student. Once you have a career with a steady income, you may consider refinancing your loans since you could qualify for lower interest rates.  4. What Are My Payment Plan Options? Now that you know the amount you owe and the interest rate, you should find out how to start paying it off.  Ask your lenders what the estimated payoff dates are to help set your goals and prioritize payments. Federal Student Loans If you let the government decide, it will automatically base your payments on the standard 10-year loan repayment plan. But that isn’t your only option. “Folks tend to have the misunderstanding that they have a monthly payment that’s the required payment on a student loan,” Jarvis said. “And with federal student loans, that’s not the case.” If you’re unable to make the proposed amount, you have four main options for lower payments that take your income and expenses into account: Income-Based Repayment Plan (IBR) Income-Contingent Repayment Plan (ICR) Pay as You Earn (PAYE) Revised Pay as You Earn (RPAYE) You can learn more details about income-driven repayment plans in this article, but Opperman warns that these plans come with conditions that you should discuss with your lending service provider before you sign. “When the student starts making smaller payments, it’s going to take significantly longer for them to pay,” she said. “And the balance may be growing — much like what happened for some people with the to [...]
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How I Stopped Yelling at My Kids

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How I Stopped Yelling at My Kids
Want to stop yelling at your kids? In this post, I share what has helped me to stop yelling at my kids and practical ways to love more and yell less. How I Stopped Yelling at My Kids I thought I was a patient person… then I had kids. I said I’d never yell at my kids… and then I had kids. I pictured myself as a sweet, loving, always-cheerful mom… then I had kids. Motherhood has stretched me and humbled me. It’s brought out the best in me and the worst in me. About five years ago, I found myself snapping at my kids more and more frequently, which only served to frustrate me. The more I snapped at my kids, the more frustrated I was at myself. And the more frustrated I was at myself, the more I’d snap at my kids. It was a vicious cycle and I felt trapped. One night, I was up late thinking of the kind of mom I’d been and feeling so ashamed of my behavior and the example I was setting before my kids. I started praying and asking God to help me to love my children, to help me have patience with them, and to stop getting so angry with them. My 4-Week Commitment As I was praying, an idea birthed in my head. I decided to make a commitment to my husband for the next 4 weeks. I woke Jesse up to tell him my commitment (I have such a gracious husband — poor guy!). It was this: every time I was tempted to lash out at a child I would, instead, find a very practical way to love that child. It was a BIG commitment, but he agreed that he thought I could do it and said he was willing to hold me accountable. I went to bed resolving that, by God’s grace, I was going to change the tone in our home. It Was SO Hard The first day was very, very hard. One child in particular was pushing all of my buttons and seeming to make a game of trying to see how much they could annoy me. Well, the first few hours on that first day of my 4-week commitment, this child tried all their usual tactics. I didn’t get frustrated. I didn’t yell. I didn’t even raise my voice. Oh, it was very hard. But I’m a stubborn person and I was determined to stick with my commitment to my husband. Instead, of lashing out, I asked this child to come snuggle next to me. I poured love, love, and more love. The Change Was Amazing! Within a few hours, this child’s attitude had drastically changed. They were calm, happy, and asking what they could do to help me. I could not believe it! And this only continued for the next few days. Until finally, I felt like I almost had a completely different child living in my home. It was amazing! I decided my 4-week experiment was a smashing success. And I decided to extend it for another 40 years. Or something like that. 🙂 Five Years Later I wrote most of the above five years ago and I wanted to give an update for those who may have read my original post on this. I can safely say that this one change in me has changed the tone in our whole home. My children are more helpful and respectful. I am so much happier. Jesse is happier because we’re happier. And our home is much, much calmer. All because I’m choosing to love instead of lash out. Lean in and Love Now, let me be honest: I haven’t always done it perfectly and I occasionally revert back to my old ways of getting frustrated. But when I start to feel the frustration and anger rising, I remember my mantra, “Lean in and love.” When I want to lash out, lean in and love. When I want to express my frustration, lean in and love. When that child is getting on my every last nerve, lean in and love. Practical Ways to Love More Instead of Lashing Out 1. Invite your child to sit with you. I’ve noticed that when my children are frustrated and acting out, it’s often because they are craving attention and affection. Inviting a child to come sit next to me when they are getting on my every last nerve can be so hard for me to do. In fact, I usually want them to be as far away from me as possible. But distance is only going to make matters worse. Lovingly and gently asking my child to come sit next to me and be with me helps to calm both of us. It helps me to communicate love for the child (even if I don’t feel all that loving at the time) and it causes the child to feel special and cared for. 2. Stop, look, and listen. Moms, we can get so busy with life. We have places to go, things to do, messes to clean up, meals to fix… the list is never ending. Our kids don’t need our productivity. They need our presence. If a child is misbehaving, don’t shush them just so you can get back to what you were doing. Stop, look into their eyes, and gently ask them, “Is everything okay?” Or, “What’s wrong?” Really mean it. And then really listen to their answer. Taking time to do this — even in the middle of a very busy day — has made a world of difference in our home. 3. Pray With Your Child When Silas is struggling, I’ll often ask him if I can pray for him. He always says yes and then calms down while I pray with him asking God to help him be calm, obey, love his sisters, or whatever it is that he’s struggling with. Usually, by the end of my prayer, he’s calmed down and in a much better mood. I think, for him, my willingness to take time to pray with him helps him to feel loved. It also communicates to him that we need God’s help in our everyday life — especially when we’re struggling. Diana from My Humble Kitchen once shared me with that when she’s struggling to respond with kindness and gentleness to her children, she’ll ask them to gather around and pray for her. She said that it’s basically impossible to respond in anger after your children have gathered around you and prayed for you! I definitely plan to try this soon! 4. Go Outside & Take a Walk Together If you feel like things are about to explode inside the walls of your house, call everyone together and tell them you’re taking a walk in 5 minutes. (Or, make it a family bike ride if you have older children.) Exercise and fresh air can do wonders when things are uptight! Plus, a fresh change of scenery can provide a better setting for talking through issues in a calmer manner. Don’t forget to stop and smell the roses along the way, breathe in the fresh air, soak up the sunshine, and notice the beauty around you. This will boost your spirits for the tasks that lay ahead of you the rest of the day! 5. Share Three Things You’re Thankful For As I often say, “There is always, always, always something to be thankful for.” But sometimes we can get bogged down by all the problems, stresses, and struggles that we forget to count our blessings. In those moments when you want to yell and be frustrated with your kids, challenge yourself to stop, breathe, and call your children together and each share three things you’re thankful for. This might seem really difficult at first if everyone is at odds with everyone else, but force yourself to do this and it will most likely change the tone in your home. Plus, it might help you step back and gain some perspective: in light of all you have to be grateful for, the small things that someone is doing to irritate you won’t seem so upsetting.  6) Do Something Fun If you have young children, this can be especially helpful to do on a hard day. When things feel like they are falling apart, set aside your to-do list and plans for the afternoon or evening and have a tea party, a family game night, a family movie night, or go do something fun as a family. Sit down, smile, and just enjoy your children. Take time to laugh together, read a story (or tell stories!), and maybe also talk to them about how they are feeling about life, things they are struggling with, or even some encouragement for them in some areas they need to improve in. 7) Put Yourself In Your Child’s Shoes It’s so easy for us to forget that our kids are often carrying heavy burdens, too. Sometimes, we can [...]
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Afternoon Deals: Saturday, August 3

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Afternoon Deals: Saturday, August 3
Every morning and afternoon we publish a list of the latest and best deals from our partner, DealNews. To learn more about the discounts and details, click on any of the deals for more information. To have this list, along with our latest news and stories, delivered daily to your inbox, sign up for our free newsletter. For links to deals as they’re published, follow @mtndeals on Twitter. [...]
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What Is a Student Loan Grace Period?

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What Is a Student Loan Grace Period?
A student loan grace period is a stretch of time, after you’ve graduated or left school, when you’re not required to make payments. Here’s what to know about your student loan grace period and how to make the best use of this time. » MORE: How to pay off student loans fast How long is... Brianna McGurran is a writer at NerdWallet. Email: bmcgurran@nerdwallet.com. Twitter: @briannamcscribe. Ryan Lane is a writer at NerdWallet. Email: rlane@nerdwallet.com. The article What Is a Student Loan Grace Period? originally appeared on NerdWallet. [...]
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Popular Science Magazine Subscription Discount

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Popular Science Magazine Subscription Discount
Today, you can pick up a subscription to Popular Science magazine for only $4.95 per year (89% off)! You can order up to 3 years at this price! Add this magazine to your shopping cart and then enter the coupon code pennypinch and then you will see the price drop!  This deal is good until  8/3/19 at 11:59 ... Read More about Popular Science Magazine Subscription Discount The post Popular Science Magazine Subscription Discount appeared first on Penny Pinchin' Mom. [...]
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Kids’ Birkenstocks only $29.99 + shipping!

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Kids’ Birkenstocks only $29.99 + shipping!
This post may contain affiliate links. Read my disclosure policy here. Wow! Proozy is having a big sale on kids’ Birkenstocks right now! Need back to school shoes for the kids? Proozy is offering Kids’ Birkenstocks for just $29.99 when you use the promo code MSM2999 at checkout! There are lots of styles and colors to choose from! Pay $5.95 for shipping or get FREE shipping on orders over $50! (Go in with a friend for two pairs to save on shipping!) Valid through August 6, 2019. Psst! Want to save more on kids’ back to school clothing? Be sure to check out these great tips! Be sure to check out all of the Best 2019 Back To School Deals! Don’t forget you can also sign up for our daily email newsletter to get all of the best back to school deals emailed to you every week! And be sure to check out my post on 5 Simple Ways to Save on Back to School Deals. [...]
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Companies Pay Big Settlements Over Bogus Beer Ads, Harassing Calls

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Companies Pay Big Settlements Over Bogus Beer Ads, Harassing Calls
You’re in for a cool brew on Kona Beer if you bought the brand because you thought it was made in Hawaii. You also might benefit if you were the recipient of harassing phone calls or took a bogus supplement.  See if you qualify for any of this month’s highlighted class-action settlements. Kona Beer Hawaiian Origin Beer drinkers who thought they were drinking brew made in the tropical islands of Hawaii may be eligible for up to $20 from Kona Beer. If you bought a 4-pack, 6-pack, 12-pack or 24-pack of Kona Beer between Feb. 28, 2013 and June 14, 2019, you could be eligible for the following: $1.25 per unit for a 4-pack of Kona Beer $1.25 per unit for a 6-pack of Kona Beer $2 per unit for a 12-pack of Kona Beer $2.75 per unit for a 24-pack of Kona Beer Purchases of single cans or single bottles are not eligible for the settlement. The class-action suit alleged that Kona Brewing Company used imagery including surfers and Waikiki Beach to trick customers into believing the beer was brewed in Hawaii.  In reality, Kona beverages were brewed in New Hampshire, Oregon, Tennessee and Washington. Under the terms of the settlement, you can claim to up to $10 without a proof of purchase, or up to $20 with proof of purchase. For a full list Kona Beer varieties covered by the settlement and to submit a claim by the Oct. 7, 2019 deadline click here. Los Angeles Natural Gas Tax  If you were a customer of Southern California Gas Company and were charged a Los Angeles City Users Tax for natural gas use between Dec. 12, 2012 and April 12, 2019, you could be eligible for a portion of a $32.5 million settlement. The class action alleged Los Angeles residents were charged a 10 percent fee based on the amount of gas they used. The city allegedly began to base the fee on the amount also paid for other surcharges, which resulted in city residents paying more than $30 million in additional, unfair taxes. The city agreed to remove the additional tax amount, saving gas customers an estimated $6.18 million per year. The settlement fund will automatically be awarded to L.A. residents who were Southern California Gas Company customers by reducing their natural gas tax bill for 36 months between five and 10 percent.  Because the settlement fund will be automatically awarded, affected customers only need to make it known if they wish to object to or opt out by Aug. 19, 2019. For complete details, click here. FoodState Supplements (MegaFoods, Innate Response) Did you buy vitamin supplements by FoodState, including brands MegaFoods and Innate Response Formula, between Jan. 11, 2011 and Sept. 15, 2018? If so, you could be entitled to a portion of a $2.1 million class-action settlement regarding allegations of false advertising. FoodState was accused of falsely stating its supplements contained more nutrients from “whole foods” than they actually did. The company also allegedly included magnesium stearate in some supplements but did not include it on its list of ingredients. The compound, which may be found naturally in certain foods, can irritate the bowels of some consumers.  Class members who submit a valid claim by the Aug. 19, 2019 deadline will receive $25 per bottle, up to a maximum of $100. For the complete list of all the supplements covered by the settlement and to submit a claim, click here. National Holdings Telemarketing Did you receive a call from National Holdings Corporation between Nov. 11, 2010 and May 24, 2019, despite your number being registered with the National Do Not Call List? If so, you could be eligible for an estimated cash payment of $20. A higher or lower payment amount is possible depending upon the number of valid claims received. The calls, which allegedly violated the Telephone Consumer Protection Act, were made by either National Holdings representatives or by Shampan Lamport on behalf of National Holdings.  Click here to file a valid claim by the Aug. 23, 2019 deadline.  PTZ Insurance Robocalls If you received unsolicited phone calls from PTZ Insurance, you could qualify for a portion of a $5.5 million class-action settlement. The calls used a pre-recorded voice to play a “Day 2” or “Day 6” message and were made between Oct. 16, 2013 and Nov. 30, 2016. The lawsuit alleged the calls violated the Telephone Consumer Protection Act. The value of each claim will depend upon the number of valid claims received and could range from about $46 to $92.  Eligible consumers should have received a claim number and PIN to file a claim. For full details, click here and file your claim by Aug. 28, 2019. FROM THE MAKE MONEY FORUM How I'm Making Money on Poshmark 12/31/18 @ 4:47 PM C Buying & Reselling On eBay 4/5/19 @ 2:52 PM Dumpster 7/27/19 @ 4:19 AM Selling stamp collection 7/31/19 @ 2:13 PM See more in Make Money or ask a money question New York & Company (California Only) Clothing store New York & Company will provide customers who bought items in California up to a $25 discount voucher to resolve claims the retailer used false prices to convince customers they were getting a great deal. If you purchased items at any California New York & Company outlet store between June 9, 2013 and May 23, 2019 or from a New York & Company retail store in California between Feb. 11, 2012 and May 23, 2019, you could qualify for a voucher. The lawsuit alleged the clothing retailer advertised its outlet merchandise prices as a certain percentage off of regular retail prices, but the “sale” merchandise allegedly never was sold at the listed retail price. Customers can receive a voucher worth $7.50 off of any purchase or 25 percent off a purchase up to $100. Click here and file your valid claim by Sept. 9, 2019.  CVS Algal-900 DHA Supplement If you bought a CVS-branded Algal-900 DHA dietary supplement that included a claim that it was “clinically shown to improve memory” or had “clinically shown memory improvement” on the label, you could receive a full refund or $7 in vouchers. The lawsuit alleged the claims about memory improvement were deceptive. CVS customers who bought the supplements between Nov. 15, 2008 and Sept. 30, 2016 could be eligible for a variety of different awards, based on the proof of purchase and whether a CVS ExtraCare account was associated with the purchase. For complete details and to file a claim by the Dec. 12, 2019 deadline, click here.   This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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*HOT* Columbia Outerwear Deals!

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*HOT* Columbia Outerwear Deals!
This post may contain affiliate links. Read my disclosure policy here. Love Columbia? Score some HOT deals on outerwear right now! For a limited time, you can get some really nice discounts on Columbia outerwear when you use the promo code 65SUM2019 at checkout! And shipping is FREE if you’re a Columbia Rewards Member (it’s free to sign up)! Here are some deals you can score… Get this Women’s Mountain Crest Fleece Full Zip Jacket for only $19.98 shipped after the promo code (regularly $50)! Choose from four colors. Get this Men’s Panther Creek Jacket for only $35.99 shipped after the promo code (regularly $90)! Choose from six colors. Get this Men’s Boulder Ridge Henley Hoodie for only $19.99 shipped after the promo code (regularly $60)! Choose from three colors. Get this Kids’ Mountain Side Lined Windbreaker for just $17.58 shipped after the promo code (regularly $45)! Get this Women’s Warden Lodge Pullover Hoodie for just $27.98 shipped after the promo code (regularly $80)! Hurry – these are selling out quickly. [...]
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Delta SkyMiles Cards Add Cash Back to Welcome Offers (Limited Time)

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Delta SkyMiles Cards Add Cash Back to Welcome Offers (Limited Time)
American Express is offering a chance for new cardholders to earn extra cash back on top of the welcome offers for two co-branded airline cards: the Gold Delta SkyMiles® Credit Card from American Express and the Platinum Delta SkyMiles® Credit Card from American Express. Through Aug. 15, 2019, you can apply for either of these cards... Sara Rathner is a writer at NerdWallet. Email: srathner@nerdwallet.com. Twitter: @sarakrathner. The article Delta SkyMiles Cards Add Cash Back to Welcome Offers (Limited Time) originally appeared on NerdWallet. [...]
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8 Subreddits to Follow If You’re Trying to Save Money

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8 Subreddits to Follow If You’re Trying to Save Money
Looking for ways to save money? Don’t limit yourself to the ideas you think up on your own. There’s great benefit in joining a group of others who can share their tips, tricks and advice. That’s the reason we started The Penny Hoarder Community. Another resource where tons of ideas are shared is Reddit. If saving money is your aim, check out these eight Reddit forums, also known as subreddits, that’ll help you cut costs on food, travel, weddings and more. 1. r/Frugal Over 1 million members belong to the frugal living subreddit. Here, you’ll find a wide range of discussions about how to save money in your everyday life. There’s advice on reducing the costs of necessities like food and utilities as well as nonessentials like electronics and vacations. 2. r/budgetfood You can’t cut food out your budget, but there are so many ways to save. The 150,000 members in Reddit’s budget food community share ideas on meal planning, low-cost recipes, grocery shopping tips and more. 3. r/CordCutters Sick of your $100+ cable bill, but on the fence about canceling your service? The cord cutters subreddit is where to go to ask questions about various cable alternatives, so you can pay less while still enjoying what you love to watch. 4. r/NoContract We can’t live without our cell phones, but we can definitely do without being locked into pricy phone service contracts. Reddit’s no contract community is the forum to join if you’re interested in learning about cheaper phone service without a long-term commitment to a particular carrier. FROM THE SAVE MONEY FORUM Saving Money on a very fixed income 7/31/19 @ 2:14 PM Extra Job 7/30/19 @ 2:52 PM The Power of Saving Money || Where to save 7/30/19 @ 1:36 PM Best ways to save money in shopping 7/23/19 @ 1:09 PM See more in Save Money or ask a money question 5. r/Shoestring The shoestring subreddit is where world travelers go to share advice and post questions about ways to travel on a budget. If you’re looking for cheap airfare, inexpensive lodging or ideas about low-cost things to do at your destination, this is the group to join. 6. r/BuyItForLife Saving money isn’t always about buying the cheapest thing out there. Sometimes it’s worth spending more initially for something of better quality that lasts for years and years. Reddit’s buy it for life forum is where folks go to show off their long-lasting purchases, share feedback on the durability of various products and seek advice about how to maintain what they own so they don’t need to spend money on a replacement. 7. r/Weddingsunder10k Planning a wedding but don’t want to go into debt getting hitched? The weddings under $10K subreddit has all the ideas about how to get married on a tight budget. Get inspiration from other brides or ask the group to weigh in on your upcoming nuptials. 8. r/MUAontheCheap If you’re looking to spend less on beauty items check out the MUA on the cheap subreddit. It’s full of announcements about sales and special deals for popular makeup brands, nail polish, skincare and more. Nicole Dow is a senior writer at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Scientific Explorer Young Architect Building Set

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Scientific Explorer Young Architect Building Set
If you have a little one that loves building, this would be a great gift idea to grab now and use during the holidays. You can get the Scientific Explorer Young Architect Building Set for only $45.00. You will be saving 51% on this purchase because it is usually $91.99. Be sure that you grab ... Read More about Scientific Explorer Young Architect Building Set The post Scientific Explorer Young Architect Building Set appeared first on Penny Pinchin' Mom. [...]
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Download FREE Sample Pages of Alpha Omega’s LIFEPAC Curriculum + Enter to Win a Full Course!

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Download FREE Sample Pages of Alpha Omega’s LIFEPAC Curriculum + Enter to Win a Full Course!
Interested in homeschooling? Don’t miss these FREE sample pages of Alpha Omega’s LIFEPAC student-paced curriculum! (Note: This post and giveaway are sponsored by Alpha Omega Publications. Read our disclosure policy here.) Did you know that Alpha Omega Publications offers print curriculum in addition to their popular Monarch online curriculum? AOP’s print curriculum, LIFEPAC, was actually their very first curriculum and it’s been a trusted curriculum among homeschoolers for over 40 years! The LIFEPAC curriculum offers more than 60 beautifully designed courses for children in grades kindergarten all the way up to 12th grade. LIFEPAC is really unique because the full year of curriculum is broken up into 10 worktexts — which are portable, easy-to-use sections that combine textbook lessons with workbook exercises. This allows kids to learn at their own pace, build confidence gradually and consistently, and gain a sense of accomplishment every 3 to 4 weeks as each worktext is completed. The LIFEPAC curriculum comes in a variety of subjects: Bible, History & Geography, Language Arts, Math, Science, and Electives. (And there are tons of choices for Electives, including Health, Literature, Geology, Computer, Astronomy, Spanish, and so many more!) Plus, each LIFEPAC comes with removable self-tests for each unit, a final test to ensure mastery, a teacher’s guide, answer keys, and practical tips for teaching your children. Get FREE Sample Pages of LIFEPAC Curriculum! Interested in trying LIFEPAC homeschooling products? You can go here to download FREE sample pages of the LIFEPAC curriculum! Just fill out the short form and the samples pages will be emailed to you. Win a LIFEPAC Course! Want to try LIFEPAC for your kids? I have great news! Alpha Omega Publications is running a giveaway for one LIFEPAC course in any subject of your choice! The giveaway ends on August 14, 2019. Go here to enter the giveaway for your chance to win! [...]
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How I Finished Graduate School Debt Free

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How I Finished Graduate School Debt Free
Guest post from Darya 0f A Mom From a Foreign Land Completing graduate school was one of my biggest accomplishments in life… and graduating with no school debt made the moment even sweeter! Before I started my master’s degree, I was terrified that I would graduate owing thousands of dollars and it would take me years to pay it back. I was also freaking out because I was pregnant and my baby was due in the middle of my first semester. I couldn’t imagine how we were going to afford it all. Gratefully, I had the support of my husband and a plan in hand. Three years later, I received my master’s in science and had no debt to repay. I went to NC State University in Raleigh, NC. The tuition and fees for one semester totaled to about $6,000 for in-state students. On average, a master’s degree at this school takes between 4 and 6 semesters (roughly $24,000 to $36,000!) Here are the things I did to finish graduate school DEBT FREE: 1. I worked at the university. The good thing about grad school is that you can often get an assistantship job and have your tuition covered. I also received a small stipend with it! I got a teaching assistantship that included assisting a professor during a class, grading homework, helping with attendance, and overly assisting with general administrative tasks. I had this job for 3 of my semesters — which meant no additional tuition costs for those 3 semesters! 2. I had another part-time job. I worked every Friday and Saturday night at a local steak house.This job gave me the flexibility and finances to earn my master’s degree. Occasionally, if my school load was lighter and my husband was available to watch our child, I would pick up an extra shift here and there. I made about 70% of my income at the restaurant. It was tiring and I had to work late but I needed the money. 3. I took some online classes. I didn’t want to take too many online classes, but taking a few helped me stay at home when I first had my baby. At the same time, I saved on gas (I had a 70-minute commute) and could work more hours at the restaurant. 4. I cut down on unnecessary expenses. We stopped eating out. On the days I went to school I brought my snacks, lunch, and coffee from home. I minimized social life and entertainment. I breastfed my daughter to save on formula. I kept clothes shopping to a minimal. 5. I earned a scholarship. I got a $1000 scholarship for working towards a Career in Conservation due to some volunteer work I did for a local environmental organization. 6. I made small payments on my loan while on grad school. My schooling lasted 6 semesters and (as I mentioned above) my tuition was covered for 3 of the semesters. In order to afford the other 3 semesters I had to get a loan. However, as soon as I got the loan though, I started making $50 monthly payment on it while still in school — even though I did not have to. Some months I could not afford to pay more, others I would pay extra. And once I started working full-time (see below), I started paying as much as I could. I ended up completely paying off my loan before I officially graduated! 7. I started a full-time job while still in school. I started working as soon as I finished all my classes, but I spent another 8 months working on my thesis. Working a full-time job and working on my paper was challenging. I had to devote my nights and weekends to writing, but I was happy to be able to get a job before I had officially graduated. Doing all these things took a lot of effort and dedication. I am so happy that I can now focus on paying off other bills and not worry about student loans. I believe that anybody that puts their mind to it, can do it too! Darya grew up in Eastern Europe, and has been living in the U.S. for over 10 years. To this day she still has trouble adjusting to the American culture, especially when it comes to raising a child. She lives with her husband and 3.5 year old daughter in Greenville, SC. While working a not-so-exciting governmental job, she still finds time to blog about motherhood, working mom life, healthy life, and recipes at A Mom From a Foreign Land. [...]
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RV Loans: How to Finance an RV Purchase

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RV Loans: How to Finance an RV Purchase
If your family dreams of open-road adventures in a new recreational vehicle, but you’re unsure how to pay for that fifth wheel or pop-up camper, consider an RV loan. RV loans can be unsecured personal loans that you get from online lenders, or secured vehicle loans from banks and credit unions. Rates and terms vary... Steve Nicastro is a writer at NerdWallet. Email: steven.n@nerdwallet.com. Twitter: @StevenNicastro. The article RV Loans: How to Finance an RV Purchase originally appeared on NerdWallet. [...]
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How to Have a Stronger Marriage

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How to Have a Stronger Marriage
Want to have a stronger marriage? In this episode, Jesse and I talk about our #1 tip for building a stronger relationship and having less conflict and disagreements. Missed previous episodes of The Crystal Paine show? You can listen to them here. Jesse and I are so very, very different. And I love it so much (well, most of the time!) Case in point: Jesse and I went to Home Depot recently to pick out lighting fixtures for the bathroom renovation. I walked in, scanned the shelves, and picked the first fixture that was inexpensive and looked like it would match. Jesse, on the other hand, had spent at least an hour beforehand looking at multiple websites, researching brands, and comparing options. Then, in store, he analyzed the pros and cons, price, and durability of each potential lighting fixture. Even though our differences can sometimes drive each other batty, the longer we’ve been married, the more we appreciate how our unique perspective compliments the other. For instance, if I were the only one in charge of choosing a lighting fixture, my lack of research and hasty decision-making would land us with a lemon of a light fixture that wouldn’t work well and wouldn’t last. On the other hand, if Jesse were solely in charge of picking out a light fixture, he’d probably still be in Home Depot right now… because there’s always something else you need to research. And that’s why we need each other. He’s the slow down to my hurry up. And I love him so much! When we stop trying to change our spouse and instead appreciate the gift that their differences bring to our life, it transforms our marriage! In this episode, we share more about how learning to see, accept, and embrace our differences has changed our marriage in such a powerful way. And we share how this can apply to all relationships. In This Episode:  [00:26] – We’re back! Hear about our foray into fostering through respite care. [03:48] – What’s saving our lives? For Jesse it’s the YNAB app. For me? It’s Waze. [11:41] – Jesse talks about a book he just finished and I read a poignant excerpt of a book I just finished that goes hand-in-hand with our last episode. [16:33] – Today Jesse and I share about our number one tip for creating a stronger marriage (well, Jesse isn’t quite sure about that!) [19:20] – We discuss one of the things that has caused the most conflict in our marriage and how it has played out over the years. [22:09] – Trying to change your spouse never works… it only creates more conflict and tension. [22:55] – The secret to healthier, happier relationships? Recognize, own, and embrace your differences and see them as a gift. Links and Resources: YNAB app Waze app Backlash: A Thriller Preach to Yourself: When Your Inner Critic Comes Calling, Talk Back With Truth Crystal’s Favorite Things on Amazon CrystalPaine.com MoneySavingMom.com Crystal’s Instagram account (I’d love for you to follow me there! I usually hop on at least a few times per day and share behind-the-scenes photos and videos, my grocery store hauls, funny stories, or just anything I’m pondering or would like your advice or feedback on!) Have feedback on the show or suggestions for future episodes or topics? Send me an email: crystal@moneysavingmom.com How to Listen to The Crystal Paine Show The podcast is available on iTunes, Android, Stitcher, and Spotify. You can listen online through the direct player we’ll include in the show notes of each episode. OR, a much easier way to listen is by subscribing to the podcast through a free podcast app on your phone. (Find instructions for how to subscribe to a podcast here.) Ready to dive in and listen? Hit the player above or search for “The Crystal Paine Show” on your favorite podcast app. Note: This post contains affiliate links. If you click through and make a purchase, we may receive a small commission — at no additional cost to you. Thank you so much for your support! [...]
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Afternoon Deals: Tuesday, July 30

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Afternoon Deals: Tuesday, July 30
Every morning and afternoon we publish a list of the latest and best deals from our partner, DealNews. To learn more about the discounts and details, click on any of the deals for more information. To have this list, along with our latest news and stories, delivered daily to your inbox, sign up for our free newsletter. For links to deals as they’re published, follow @mtndeals on Twitter. [...]
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How to Protect Yourself After the Capital One Data Breach

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How to Protect Yourself After the Capital One Data Breach
A data breach of Capital One, the nation’s seventh-largest bank by assets, compromised the personal information of approximately 100 million U.S. consumers and 6 million consumers in Canada, the bank announced Monday. The breach affected the information of two groups of people: Those who applied for Capital One credit cards between 2005 and 2019. The... Amrita Jayakumar is a writer at NerdWallet. Email: ajayakumar@nerdwallet.com. Twitter: @ajbombay. Bev O'Shea is a writer at NerdWallet. Email: boshea@nerdwallet.com. Twitter: @BeverlyOShea. The article How to Protect Yourself After the Capital One Data Breach originally appeared on NerdWallet. [...]
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Mrs. Meyer’s Liquid Hand Soap Refill, Basil (33 oz) only $4.89 shipped!

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Mrs. Meyer’s Liquid Hand Soap Refill, Basil (33 oz) only $4.89 shipped!
This post may contain affiliate links. Read my disclosure policy here. Love Mrs. Meyer’s products? This is a great stock up price on Mrs. Meyer’s Liquid Hand Soap! Amazon has this Mrs. Meyer’s Liquid Hand Soap Refill, Basil (33 oz) for only $4.89 shipped when you checkout through Subscribe & Save! Note: Once your order ships, you can go into your Amazon account and cancel your subscription if you don’t want recurring orders. Thanks, Hip2Save! [...]
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Live in Seattle? See How Much Money Your Home Could Earn For You This Summer

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Live in Seattle? See How Much Money Your Home Could Earn For You This Summer
Look. We get it. Your home is your sanctuary. Your place to be alone. Some days, you don’t even want to have your own family over — let alone people you don’t know. So, the idea of listing your place on Airbnb is daunting for a lot of folks. But if you’re willing to give it a shot, you could make some serious extra income. You can share a spare room — or list your entire place if you’re headed out of town. Yep. You’d basically be making money for going on vacation. Hollis Giammatteo, a writer and Airbnb Superhost in Seattle, has been listing her downstairs guest suite since 2015. She says it’s a great way to earn extra money — and to capitalize on living in a city that’s so popular with tourists. Seattle has come a long way from the slow-moving port and manufacturing town Giammatteo remembers it being when she first moved there in 1979. Today, it’s known for its big businesses and major tourist attractions — something she says works in her favor as an Airbnb host. With Pike Place Market, the Space Needle and professional sports galore, there’s always a demand for space. In fact, Seattle is a top summer travel destination, and there’s a shortage of hosts. If you’re starting to come around on the idea of becoming an Airbnb host, see how much money you could make by listing your place. How Much Could Your Place in Seattle Fetch? First things first: list your property on the Airbnb website. You’ll want to create a listing that stands out from others so potential guests will take notice. You can adjust or change your information and settings at any time, so you’re not committed to anything permanently. Yep. You’re not locked in. Try hosting and see if you like it — if you’re curious, it’s worth a shot. Use Airbnb’s price calculator to see how much money you could make in your area. We’ll walk you through the process with some insider tips from Giammatteo. How to Create the Best Airbnb Listing in Seattle The first step to becoming an Airbnb host is to check your local laws and prepare your space for guests. (We’ll get into that later.) We’ll show you everything you need to know to make your place stand out from others, with some added insight from Giammatteo. Answer Some Quick Questions About Your Space/Amenities To set up your listing, you’ll start by answering some basic questions, such as how many guests your space can accommodate and what amenities are included. It’s fine if you don’t have an entire house or apartment available for guests. You can rent out one floor or even just a room. Giammatteo has made her downstairs area available as a guest suite, which gives people the feeling of having a one-bedroom apartment to themselves. Set the Scene with Photos Put yourself in your guests’ shoes. What would you want to see in the photos of an Airbnb listing? The platform offers some basic photo tips, which include utilizing natural light, avoiding flash and shooting in landscape mode from the corners of rooms, so you add perspective. Of course, you’ll want to include pictures of the bedrooms, kitchen and backyard. But Giammatteo knows from experience that guests also like photos of items that may seem like small details but can actually be game changers. “Guests typically want to know about such amenities as washer/dryer, ironing board, Wi-Fi, parking,” she says. Think about the details that make your home inviting. Maybe you own a nice ironing board guests can use, or you boast both a drip coffee maker and a Keurig. Capture those amenities. People might not take the time to read about them, so providing pictures could capture guests’ attention. Write a Description Now that you’ve provided stellar images for potential guests, it’s time to describe your place. You’ll want to highlight what makes it unique. Do a little market research by browsing Superhosts’ listings in your area to see how they describe their places. (They’re Superhosts for a reason, right? Their descriptions draw guests to their homes!) Giammatteo’s main advice? “Never be too wordy.” She has a point — this is the internet, after all. People like to skim. In fact, in Giammatteo’s listing, her description is a mere two sentences. She explains how guests can relax and rejuvenate in various parts of the spacious suite. She’s obviously pinpointed her audience: people who want to take it easy on vacation. Another big tip? “Be as honest as possible about the glories, and limitations, of your space,” Giammatteo says. “Don’t oversell, and don’t omit.” If the master bedroom has a window with a great view of the Space Needle, let potential guests know. On the other hand, if sound carries throughout the house, give readers a heads up. You don’t want a negative experience to surprise them, resulting in a bad review. Giammatteo’s home was built in 1948, so there are lots of squeaks and creaks. She lets guests know ahead of time that they will hear her when she walks around upstairs. Name Your Listing “Like choosing a color for your new car, naming your space is a tortuous journey,” Giammatteo says. She’s right — naming your Airbnb listing might seem like a shallow detail. But it matters. When guests scroll through places to stay on Airbnb, the first details they see are the pictures and name of your property. The title should provide an accurate description of the space, catch people’s eye and draw them in. Giammatteo recommends combining information about both your listing’s location and atmosphere. Her accommodation is listed as “Secluded Spa Retreat with Woodland Garden Deck in Queen Anne.” “Our space was designed to be a sanctuary, really — to envelop guests in the comfort of high-quality materials, plentiful lighting and a spa/luxury bathroom,” says Giammatteo. Think about what type of traveller would enjoy your home. (You might better pick up on this once you have your first few guests.) Is it set in a quiet part of town where people won’t be disturbed? Is it in the middle of everything, perfect for thrill-seekers? Giammatteo also made sure to include Queen Anne in the name, because the neighborhood is walking distance from downtown and a prime spot for festivals and trendy shops. Think about what your home’s location offers guests. Is it close to a lot of high-end restaurants? Does it provide a view of Mount Rainier? Is it near a Light Link Rail stop or the Seattle Art Museum? Let your guests know. Set House Rules Airbnb has a set list of rules you can opt into if you’d like them included in your listing. A few of these include: suitable for pets, no smoking allowed, and no events or parties allowed. You also have the option to write in additional rules. Giammatteo sets pretty standard rules for her guests, such as banning smoking and requiring people clean up after their pets. Like many Seattleites, she takes recycling seriously, so she requires guests to read and follow her recycling instructions. Set Up Your Calendar You’ll arrange a calendar of when guests can stay at your listing. This step is important, because Airbnb will charge you a fee if you cancel after guests have booked time at your home. Here are some questions you’ll answer: How often do you want to have guests? How much notice do you need before a guest arrives? How far in advance can guests book? What time can guests check in? How long can guests stay? You can change your calendar settings down the road, so you aren’t married to the dates and times you set now. Price Your Space Airbnb has a Smart Pricing tool. If you choose to use this, Airbnb will automatically adjust your pricing based on demand. For example, if the system notices that a lot of music lovers are booking Seattle spots for Bumbershoot or tourists are flocking to town in August in attempts to avoid the rain, it will likely increase the price of your listing at these times. You can set a price minimum and maximum so your h [...]
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Great Deal on Consumer Reports Magazine!

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Great Deal on Consumer Reports Magazine!
Here is a magazine deal that we don’t see very often! You can get a hot deal on a subscription to Consumer Reports Magazine. CONSUMER REPORTS SUBSCRIPTION DISCOUNT Now through 7/30/19 (11:59 pm EST), order a subscription to Consumer Reports magazine for as little as $17.49 a year.  That is a savings of 79% off the ... Read More about Great Deal on Consumer Reports Magazine! The post Great Deal on Consumer Reports Magazine! appeared first on Penny Pinchin' Mom. [...]
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Afternoon Deals: Sunday, July 28

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Afternoon Deals: Sunday, July 28
Every morning and afternoon we publish a list of the latest and best deals from our partner, DealNews. To learn more about the discounts and details, click on any of the deals for more information. To have this list, along with our latest news and stories, delivered daily to your inbox, sign up for our free newsletter. For links to deals as they’re published, follow @mtndeals on Twitter. [...]
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Benefits of the Capital One Quicksilver

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Benefits of the Capital One Quicksilver