Don’t Toss Your Receipts. These 8 Apps Will Pay You for Them

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Don’t Toss Your Receipts. These 8 Apps Will Pay You for Them
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. We’ve got news: Your grocery receipts are a lot more valuable in your hand than in the trash.  Now, I’ll be honest… I’ve crumpled more receipts than I could ever count. I used to save them all, but the inside of my wallet started looking like something George Constanza would be proud of.  Once it got out of hand (like having years-old receipts…), I resorted to tossing them. Here’s why that was a mistake: Cash-back apps make it extremely easy to earn rewards for making purchases you were already going to make — and all you need is a receipt. 8 Apps That Will Pay You for Your Grocery Receipts  To give you an idea of how cash-back apps can make your life easier and your wallet a bit fuller, we tested a ton of them and narrowed it down to the best, top-rated apps that will pay you for your grocery receipts. Ready?  1. Fetch: Get Rewards for Any Purchase Fetch Rewards is an app for iOS and Android that will reward you for scanning your grocery receipt from any store. All you have to do is shop, snap and go.  Every time you scan a receipt that includes one of more than 250 participating brands, you’ll earn points — without worrying about matching specific product offers. No scanning barcodes; no searching for offers; no grocery store limitations.  Once you collect enough points, cash out for a gift card to retailers including Amazon, Airbnb, Best Buy and more. For example, 10,000 points will get you a $10 Sephora gift card. Or 3,000 points will get you a $3 Panera Bread card. If you’re feeling generous, the app also lets you use your points to make a donation to a charity of your choice.  Oh, and keep in mind you must scan your receipt within 14 days!   Pro Tip Enter the code PENNY to earn a $2 (2,000 points) sign-up bonus! 2. Ibotta: Earn Cash Back for Snapping a Photo (Plus a $20 Bonus!) Ibotta is traditionally known as a cash-back app for groceries — and you can still earn a heap of cash on your next haul — but you can also earn cash back on just about anything you purchase.  Whether you’re catching a Lyft, ordering something on Amazon or buying off-brand items at your favorite grocery store, you can earn cash back on a number of purchases in the store and online. Occasionally, you’ll find freebie offers in the mix, too. All you have to do is take a photo of your receipt or shop through the app.  Bonus: You’ll pocket a $20 sign-up bonus after redeeming your first 10 offers within 14 days. Pro Tip To avoid overspending, make your list first, then see if the app has available offers for what you need. Hit $20, then cash out via PayPal or Venmo, or opt for a gift card to a popular retailer like Amazon, Best Buy, Target or Walmart. 3. Paribus: Find Your Hidden Money  You know those confirmation emails that inundate your inbox after you’ve done some online shopping? Yeah, you might want to stop deleting those. Here’s why: Paribus gets you money back for your online purchases. It’s free to sign up, and once you do, this tool will scan your email for any receipts. If it discovers you’ve purchased something from one of its monitored retailers, it will track the item’s price and help you get a refund when there’s a price drop. Pro Tip If your guaranteed shipment shows up late, Paribus will help you get compensated. Disclosure: Paribus compensates us when you sign up using the links we provide. 4. Drop: Get a $5 Head Start Toward Your Rewards for Shopping The best kind of savings are the kind where you don’t have to switch up your routine. Or even better, when you get rewarded for doing things you were probably going to do on your own… for free. That’s just one thing that makes Drop so appealing.  All you have to do is link your credit and debit cards (no coupon clipping or hoarding receipts!), and shop through the app. When you make a Drop-qualified purchase, you’ll automatically earn points, even if you only hailed an Uber or ordered a pizza. The app also has a “Try Something New” section that showcases new offers for you to try, and you get paid just for testing them out. To qualify, you must be a new customer to the featured offers, and you have to sign-up through the app. Each offer rewards you in points (1,000 points = $1), which you can redeem for gift cards to your favorite retailers, like Amazon, Sephora, Hotels.com and more.  Pro Tip Get started with 5,000 free Drop points by signing up with code TPH through Dec. 31.  5. Receipt Hog: Turn Any Receipt Into Cash  Just take a picture and earn a reward — yup, that’s it.  Receipt Hog accepts receipts for nearly any in-store purchase from groceries, clothes, electronics and even gas. You can earn a variety of rewards: Coins (cash rewards), spins (earn bonus coins or other prizes) and sweepstakes (monthly cash prizes). Once your rewards balance is at least 1,000 coins, or $5, you can redeem your coins for cash or Amazon gift cards. U.S. participants can also redeem their coins for magazine subscriptions. 6. SavingStar: Double Your Rewards at Your Favorite Store You have a go-to. You know the aisles, when the bakery will have fresh bread and when your favorite deals will be available, because it’s your store.  The next time you go shopping, take the SavingStar app with you. It’s basically a perfect match for grocery store loyalists because, depending on where you shop with your store loyalty card, you can connect it to earn automatic rebates. If you frequent BJ’s, Family Dollar, Safeway or Walmart (to name a few), all you have to do is scan your store card to link and activate your rebates. Then you’re done! Saving Star takes care of the rest. Otherwise, just scan receipts to claim your rebates. Once you collect $20, transfer the money to your bank account, or cash out via PayPal. You can also choose to donate your earnings to charity. 7. Checkout 51: Let Your Receipt Get You Cash Back and Weekly Savings  Is your shopping style less about loyalty and more about wherever you can get the best deal? Same. In that case, Checkout 51 is a great cash-back option.  Redeem the app’s cash-back deals for specific products from any retailer (unless the offer specifies otherwise). If you prefer to shop online, Checkout 51 makes it easy to earn there, too. Just claim your offers by snapping a photo of your packing slip. No need to shop through a portal. Checkout 51 updates its offers each Thursday, giving you a week to get your shopping done. Oh, and the app tends to focus on name-brand items, so don’t forget to compare prices. Generic or store brands might be more affordable even without a rebate. Once you have earned at least $20, you can transfer your Checkout 51 rewards to cash in your bank account. 8. BerryCart: Score Cash Back for the Extra You Spent on Clean Eats If organic food is mostly what fills your grocery cart, BerryCart is perfect for you — it’s an app that specializes in finding you the best deals on gluten-free, organic and non-GMO food.  BerryCart works at more than 100,000 stores nationwide, including health-focused stores like Whole Foods, and also at everyday stores like Walmart and Target. As long as you have an itemized receipt that states which products you purchased, BerryCart will accept it. Keep in mind there may be a limited selection of offers, but depending on your shopping habits, the app can still be useful because it features products other apps don’t. Your cash back will be deposited into your account within 24 hours and can be redeemed for gift cards or PayPal cash with a minimum rewards balance of $5. Maximize Your Rewards With These Tips Cash-back apps are pretty simple, for the most part, but there are still some clever ways to make the most of your rewards. Here are a few tips to help you get started: S [...]
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7 Surprising Features That Boost Your Home Value

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7 Surprising Features That Boost Your Home Value
Monkey Business Images / Shutterstock.com There are many ways to increase your home’s value without taking on expensive remodeling projects. In fact, many remodeling projects don’t even pay for themselves, as we detail in “The 5 Worst Home Upgrades for the Money.” So, instead of hiring a contractor, focus on the things you can do yourself — and appreciate the things... [...]
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Brigette’s $88 Grocery Shopping Trip and Weekly Menu Plan for 6

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Brigette’s $88 Grocery Shopping Trip and Weekly Menu Plan for 6
Aldi 1 bag Frozen Blueberries – $1.85 2 bags Frozen Mixed Vegetables – $1.14 1 2-lb bag Pazazz Apples – $2.49 1 2-lb bag Honey Crisp Apples – $2.49 1 16-oz bag Mini Cucumbers – $2.09 1 bag Baby Carrots – $0.89 1 large bag Organic Kale – $2.89 1 pkg Romaine Hearts – $2.39 1 Cauliflower – $2.29 1 Pineapple – $1.19 2 Avocados – $0.98 1 bag Mini Sweet Peppers – $2.39 1 bag Dried Cranberries – $1.19 1 tub Grape Tomatoes – $1.39 2 bags Red Grapes ($1.29/lb) – $4.97 1 large tub Organic Spring Mix – $3.49 1 pkg Turkey Bacon – $1.89 1 8-oz pkg Deli Sliced Cheese – $1.79 1 Goat Cheese Log – $1.55 1 pkg String Cheese – $1.99 1 16-oz carton Egg Whites – $1.69 5 dozen Eggs – $4.95 1 16-oz pkg Deli Sliced Meat – $2.85 1 jar Extra Virgin Organic Olive Oil – $3.59 1 24-oz jar Pasta Sauce – $0.85 2 cans Tomato Sauce – $0.38 1 box Honey Crunch Oats – $1.29 1 box Cinnamon Crunch Squares – $1.32 1 box Crispy Oats – $1.15 2 boxes Macaroni and Cheese – $0.66 1 gallon Whole Milk – $1.99 1 gallon 1% Milk – $1.99 2 64-oz cartons Orange Juice – $3.28 1 64-oz carton Unsweetened Almond Milk – $1.65 1 16-oz carton Heavy Whipping Cream – $0.99 1 32-oz carton Half and Half – $1.55 1 pkg Butter Quarters – $2.49 1 24-oz carton Cottage Cheese – $1.59 1 can Parmesan Cheese – $2.29 2 large cans Organic Diced Tomatoes – $3.18 1 large canister Old Fashioned Oats – $2.29 1 pkg Sliced Pepperoni – $2.19 1 bag Gluten Free Pretzels – $1.85 1 loaf Sandwich Bread – $0.67 Grocery Total for the Week: $88.07 Weekly Menu Plan We have SO MUCH food in our pantry and freezer right now – 7 deer from my husband’s hunting season efforts, plus all kinds of foodie christmas gifts and leftovers. We will be working on eating it up over the next few weeks especially (although the venison will take the whole year ;)). Also, I got an Instant Pot for Christmas! So feel free to hit me up with your favorite recipes. Breakfasts Everyone is responsible for making/cleaning up their own breakfasts. Choices include: Oatmeal, Toast, Fried/Scrambled/Boiled Eggs, Veggie Omelets, Cereal, Fruit, Cottage Cheese, Smoothies Lunches Deli Meat/Cheese Sandwiches, Apples, Cucumbers x 2 Pretzels and Peanut Butter, Cheese Sticks, Grapes Baked Potatoes with Shredded Cheese/Cottage Cheese, Grapes Mini Peppers Leftovers x 3 Dinners Pancakes, Eggs, Turkey Bacon, Roasted Parmesan Broccoli (breakfast for dinner) Instant Pot Pot Roast with Potatoes and Carrots (I’ll use a Venison Roast and my variation of this), Tossed Salad Homemade Pepperoni Pizza, Steamed Mixed Vegetables, Kale Craisin Salad Taco Salad (using ground venison), Spanish Rice, Oranges Chili with Shredded Cheese, Homemade Cornbread, Raw Carrots/Ranch Dip Date Night Out (Kids eat Mac and Cheese at home) Leftovers [...]
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50 Diverse Takeaways from Davos WEF2020

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50 Diverse Takeaways from Davos WEF2020
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3 Costly Social Security Mistakes That Women Make

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3 Costly Social Security Mistakes That Women Make
Retirement planning is an important part of long-term financial wellness. For women, the process can be especially fraught. In general, women tend to make less money and live longer than men. This combination can lead to lower Social Security benefits and other issues. Let’s take a look at some of the costliest Social Security mistakes that women might make. Deciding to take Social Security... [...]
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How Teachers, Cops, Firefighters and EMTs Can Buy a Home for 50% Off

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How Teachers, Cops, Firefighters and EMTs Can Buy a Home for 50% Off
If you’re a teacher, firefighter, law enforcement officer or EMT, you definitely know a thing or two about hard work. But as challenging as your position is, hopefully you also consider it rewarding: You’re performing an invaluable public service. It turns out, it’s not entirely impossible to put a monetary value on the work you do. Thanks to the HUD Good Neighbor Next Door program, you could receive a 50% discount off the list price of your next home purchase, provided that you and the property meet several requirements. Here’s what you need to know about this one-of-a-kind opportunity. HUD’s Good Neighbor Next Door Program: How Does It Work? Half off the purchase of a home is a big deal, so it’s not surprising that there are some restrictions. Here’s how it works. To qualify for the Good Neighbor Next Door Program, you must be one of the following: A law enforcement officer employed full time by a federal, state, local or tribal government agency. A K-12 teacher employed full time by a state-accredited public or private school serving students who reside in the area where the purchase home is located. A firefighter or emergency medical technician (EMT) employed full time by a fire department or emergency medical services responder unit of the federal, state, local or tribal government serving the area where the home you’re purchasing is located. Once you know that you’re qualified, it’s time to find a qualified home. The property must be a single-family house, condo or townhouse located in one of the program’s designated “revitalization areas,” which are authorized by Congress for the deal based on criteria like level of homeownership, foreclosure rate and householder income. This is where you may be raising your eyebrows, we realize. Exactly what kind of “revitalization” are these areas in need of? In short, is your new home going to be in a place you actually want to live? Anna DeSimone, a long-time industry professional and award-winning housing finance author, suggests consumers save their skepticism. HUD owns “thousands and thousands” of properties, she says, many of which are in very attractive neighborhoods. “You might go and see one house boarded up, but everything else is pristine,” she said.  In other words, while it’s important to check out the property in person and get a professional inspection, this deal can often be a total steal. Eligible homes are owned by HUD and listed for sale exclusively through the program for seven days. You can find them by using this online tool, which works in much the same way other popular real estate search platforms do, displaying photos, details, and the asking price along with the full property address.  Just one thing: Be sure you’re looking in the same geographical location where you’re planning to work, advises DeSimone. Bringing public servants to the area is the whole point of the program — hence the name. FROM THE HOME BUYING FORUM 3rd Kid Coming; Should I buy a bigger home? 10/8/19 @ 8:42 PM 1 to buy or to rent? 9/12/19 @ 7:59 PM O 401k Loan 7/29/19 @ 2:35 PM B Knowledge Is Important When Buying A Home 7/22/19 @ 1:18 PM See more in Home Buying or ask a money question Purchasing a Home Through the Good Neighbor Next Door Program Let’s say you find your dream home available for half off . What comes next? When you purchase a home through the Good Neighbor Next Door program, you’ve got plenty of funding options. You can pay in cash — an often-out-of-reach option the 50% discount may just bring to the table. Otherwise, you can apply for a conventional, FHA loan or VA mortgage, and you can even use down payment assistance funds, as well.  You will, however, be required to put down 1% of the list price as an “earnest money deposit,” which is cash that must come out of pocket. That said, these homes are selling for about $80,000 on average, said DeSimone, so you’re only looking at a cost of about $800 — and no more than $2,000, per the program’s stated rules. (The minimum earnest money deposit for a HUD home is $500.) You’ll also be required to live in the home for three years, and your residency will be confirmed each year by mail. After this three-year period, you’re free to sell the house if you wish, and keep any equity or appreciation you earn in the bargain. One important caveat: As a failsafe for the three-year residency requirement, Good Neighbor Next Door buyers are required to sign a second mortgage in the amount of the discount they receive — which is, in a half-off deal, equivalent to the purchase price of the house. This “silent” second mortgage doesn’t require any payments or accrue any interest, and it’s dissolved so long as you meet the three-year residency requirement. Is the Good Neighbor Next Door Program Worth It? Like any incentive program, the Good Neighbor Next Door program can be immensely helpful for those who qualify… but it’s not for everyone.  That said, there are plenty of other options available to homebuyers of all backgrounds and experience levels.  For instance, many states offer special homebuyer assistance to veterans, target-area buyers and other select demographic groups, often including public servants. (Here’s a great resource to find out what’s available where you live.) And if you’re a first-time buyer, there are even more options out there to help you get set up. (Psst: Here’s a pretty thorough beginner’s guide.) Jamie Cattanach’s work has been featured at Fodor’s, Yahoo, SELF, The Huffington Post, The Motley Fool and other outlets. Learn more at www.jamiecattanach.com. 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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The new wisdom in credit ratings for SMEs

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The new wisdom in credit ratings for SMEs
Jessica Ellerm is a thought leader specializing in Small Business and the Gig Economy and is the CEO and Co-Founder of Zuper, a neowealth disruptor in Australia. Back in 1968, Dr Edward Altman was responsible for a major innovation in the field of credit risk analysis for corporate businesses – the Altman Z-score. While it transformed […] The post The new wisdom in credit ratings for SMEs appeared first on Daily Fintech. [...]
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7 Ways to Save Money on a Kitchen Remodel (Without Sacrificing Quality)

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7 Ways to Save Money on a Kitchen Remodel (Without Sacrificing Quality)
If you plan to do a kitchen remodel, you know it can be expensive!  And, that may mean you don’t get the kitchen of your dreams (or even one that functions better). The truth is that most of the time, it will blow your budget.  But, if you know what to do, you can get ... Read More about 7 Ways to Save Money on a Kitchen Remodel (Without Sacrificing Quality) The post 7 Ways to Save Money on a Kitchen Remodel (Without Sacrificing Quality) appeared first on Penny Pinchin' Mom. [...]
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Life Update: Pregnancy (week 18), a trip to Kansas, Thanksgiving meal prep

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Life Update: Pregnancy (week 18), a trip to Kansas, Thanksgiving meal prep
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. Week 18! I can’t believe I’m almost halfway!! HIGHLIGHTS Baby has been kicking up a storm and all the kids were excited that they were able to each feel kicks this week!! They want to sit and just keep their hands on my belly so they don’t miss any kicks!! NOTABLE I implemented some of your suggestions for heartburn and sleep and while I can’t point to one specific thing that I’m certain worked, I am thrilled to report that I only had one really bad heartburn/nausea day this week and I’m positive it was because I wasn’t super careful with what I ate that day. Otherwise, I had very little heartburn this week and I slept for six hour stretches multiple nights!! Also notable: this week marked my last planned flights until (likely) well after the baby is born. It feels weird that, if all goes as planned, I won’t be hopping on a plane again for months and months! I’m excited to get to stay home and write my next book, possibly get to love on and care for a child who is in foster care (we think there’s a good chance we’ll be getting a placement soon!), and start prepping for bringing this new baby into our home! CRAVINGS Scrambled eggs and avocados with sourdough toast and butter (this has become one of my go-to meals) and frozen yogurt. Also, I absolutely loved the turkey and mashed potatoes at Thanksgiving! It hit the spot! WEIGHT GAIN: 9 lbs. We went to Wichita, Kansas all week to spend time with both sides of our family. I took almost zero pictures the entire time because I was just offline and soaking up the time with family, so I have almost none to show of our time there. But it was a really fantastic trip and we’re so glad our families both live so close so that we can spend holidays with both sides! We all enjoyed getting to spend a lot of time with so many of the nieces and nephews/cousins. Each year, we have two family Thanksgiving celebrations with extended family on Thursday and everyone who comes signs up to bring parts of the meal. This year, because I’m running on a lot less energy that I usually have, I asked the kids if they would be willing to help out. They each signed up to make one item for both houses. Kathrynne made Pistachio Salad and Green Bean Casserole. Kaitlynn made two Apple Pies (be sure to check out the braided crust she did — see below!). Silas made two Pumpkin Pie fillings. And Jesse peeled and cut up 10 lbs. of sweet potatoes. All I did was oversee, make pie crusts, and finish the two Sweet Potato Casseroles — and we were done in two hours with everything! Mamas of littles, holidays might be really hard right now. You’re tired. There’s so much to do. And you have to do so much of it yourself. Well, just hang on… there’s a day coming soon when your kids will be old enough to not only take care of getting themselves dressed and fed, but they’ll be cooking Thanksgiving dinner for you, too! What I’m… Reading: Parenting and The Killing Tide Watching: We subscribed to Disney+ for December at the kids’ request since we usually watch a lot more family movies together this month! The kids are loving it! We watched 12 First Dates last night as a family. This was a fun, feel good movie that reminds us to see our blessings right in front of us. (Note: It was a big cheesy in parts, had a tiny bit of mild language in it, and was definitely a bit of a rip-off of Groundhog Day, but we all still enjoyed it.) What are your family’s favorite Christmas movies? Listening to: Christmas Music! (Of course!) Also, after months of getting nauseous from listening to audiobooks (just one of the many weird things that makes me sick to my stomach in pregnancy!), I just downloaded a few from Libby and am going to try again this week! Loving: That it’s December and we have so many memory-making plans for this month! It’s one of my favorite months and I’m excited about it! What are you reading, watching, listening to, and/or loving? I’d love to hear! [...]
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8 Stores Offering Gift Card Freebies Right Now

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8 Stores Offering Gift Card Freebies Right Now
Several retailers — and tons of restaurants — are offering free bonus cash to spend with them when you buy gift cards this holiday season. Following is a list of the stores that are offering holiday gift card promotions this month. It's not the usual blah, blah, blah. Click here to sign up for our free newsletter. The offer: [...]
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Seventh Generation Free & Clear Dish Liquid Soap for just $1.94 each, shipped!

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Seventh Generation Free & Clear Dish Liquid Soap for just $1.94 each, shipped!
This post may contain affiliate links. Read my disclosure policy here. Stock up on dish soap with this Seventh Generation deal! Amazon has this Seventh Generation Free & Clear Dish Liquid Soap 6-Pack for just $11.65 shipped when you clip the 20% off e-coupon and check out through Subscribe & Save. That’s like paying just $1.94 per bottle, shipped! This is such a great stock-up deal for this brand. 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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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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Most Valuable Perks of the Alaska Airlines Visa Signature Credit Card

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Most Valuable Perks of the Alaska Airlines Visa Signature Credit Card
There are a few key perks that can make having a Alaska Airlines Visa Signature® credit card worth it.. Access to the Companion Fare When you have an Alaska Airlines Visa Signature® credit card, the Companion Fare is definitely one of your most valuable benefits. With a Companion Fare, you can get a significant discount... Reyna Gobel is a writer at NerdWallet. Email: travel@nerdwallet.com. The article Most Valuable Perks of the Alaska Airlines Visa Signature Credit Card originally appeared on NerdWallet. [...]
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This Week in Fintech

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This Week in Fintech
Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article. Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO and Editor […] The post This Week in Fintech appeared first on Daily Fintech. [...]
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SKLZ Pro Mini Micro Hoop w/ Foam Ball

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SKLZ Pro Mini Micro Hoop w/ Foam Ball
This would be a fun gift idea to grab for any kid on your holiday shopping list! You can get the SKLZ Pro Mini Micro Hoop w/ Foam Ball for only $13.50. You will be saving 46% on this purchase because it is usually $24.99. Be sure that you grab this deal soon because the ... Read More about SKLZ Pro Mini Micro Hoop w/ Foam Ball The post SKLZ Pro Mini Micro Hoop w/ Foam Ball appeared first on Penny Pinchin' Mom. [...]
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Aldi, Sprouts, Big Lots, and Kroger Shopping Trips + Our Weekly Menu Plan

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Aldi, Sprouts, Big Lots, and Kroger Shopping Trips + Our Weekly 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. I finally made it to Sprouts on a Wednesday!! If you’re unfamiliar with Sprouts’ sales cycles, they have overlapping sales on Wednesdays — which means you can get the sales from the last week + the sales from the coming week on Wednesdays! They had some great produce deals that I stocked up on: Sprouts Shopping Trip 6 packages of strawberries — $1.25 each 3 Cantaloupe — $0.99 each 2 Pineapple — $0.98 each Sprouts Chocolate Chip cookies — used free coupon Total with tax: $13.24 Did you get your freebies from Sprouts? If not, be sure to sign up for them here. I was SO excited to find so many good clearance deals at BigLots when I went on Wednesday!! My biggest score? Boxes of Kodiak Cakes for $0.75 each!!! Jesse loves these and he was super thrilled at this score! Big Lots Shopping Trip 4 boxes of Kodiak Cakes — marked down to $0.75 each 5 packages of bread, bagels, & English Muffins — $1.40 each (I stuck these in the freezer.) 1 can of Split Pea Soup — marked down to $0.25 3 cans of corn — $0.25 Total with tax: $11.74 Aldi Shopping Trip: Honey Crunch Oats — $1.59 All Purpose Flour — $1.89 2 packages of hot dog buns — $0.85 each Milk — $2.49 Cream Cheese — $1.29 Cheddar Cheese — $1.99 Eggs — $0.73 10 lb potatoes — $3.49 Watermelon — $2.99 Total with tax: $19.39 Have you read my post on my 25 Favorite Things to Purchase From Aldi. And 5 Things You Should Not Buy at Aldi. Kroger Shopping Trip #1 Eggs — marked down to $1.39 All Egg Whites — $4.99 2 loaves of bread — marked down to $0.89 and $0.99 1 bag of apples — $0.99 1 bag of grapefruit — $0.99 Total with tax: $11.36 Kroger Shopping Trip #2 Bush’s Baked Beans — $0.99 each with the Weekend Only deals This past week, we got to host three college girls from Pine Cove all week long who were here leading a Camp in the City for local kids. We provided breakfast every morning for them. Then, we got to have dinner with them on Monday, Wednesday, and Friday (they had dinners elsewhere the other nights). Just for fun, we invited extra friends over on Wednesday and Friday night. I was excited that we were able to do all of the entertaining and still stick with our $70 grocery budget! Oh and we ate a lot of leftovers this past week because we had a lot of extra food. 🙂 (I always want to make sure there is a enough food when we have guests, so that means I tend to plan a lot more food than we actually need! But hey, it means dinner is taken care of the next night!) What We Ate On Our $70 Grocery Budget 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. Our Menu Plan Breakfasts: Cereal, Pancakes, Bagels, Toast, Waffles, Fruit, Yogurt, Bacon, Sausage, Banana Bread, Apple Muffins Lunches:  Leftovers, Salad, Mac & Cheese, Turkey, Fruit Snacks: Fruit, Popcorn, Cookies, Banana Bread Dinners: Sunday — Fend for yourself Monday — Dinner with our guests: Spaghetti with Meatballs, Green Beans, Fruit, Salad, French Bread Tuesday — Leftovers Wednesday — Dinner with our guests and some other friends: Barbecued Meatballs, Twice Baked Potatoes, Roasted Broccoli, Roasted Brussels, Fruit Salad, French Bread Thursday — Leftovers Friday — Dinner with our guests and some other friends: Brats/Hot Dogs, Squash Casserole, Salad, Fruit Salad, Homemade Mac & Cheese. Saturday — Leftovers $70 Grocery Budget Totals Total spent on groceries: $61.23 Cashback earned this week: 625 points for submitting my receipts to Fetch rewards + $0.10 for submitting my receipt to iBotta rewards. [...]
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FDIC Proposes Amendments to Prudential Regulator Swap Margin Rules

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FDIC Proposes Amendments to Prudential Regulator Swap Margin Rules
On September 17, the directors of the Federal Deposit Insurance Corporation (FDIC) approved a joint notice of proposed rulemaking (NPR) with respect to the prudential regulator margin rules for non-cleared swaps. The joint form of the NPR indicates that the other prudential swap regulators (the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, the Farm Credit Administration and the Federal Housing Finance Agency) will all be approving the same NPR in the near future. The proposed rulemaking will make the following amendments to the prudential regulator swap margin rules: Add the additional phase-in year for initial margin (IM) that was recommended in July by The Basel Committee on Banking Supervision and the International Organization of Securities Commissions, so the initial margin phase-in threshold for 2020 will be $50 billion. Repeal the requirement that a swap dealer must collect initial margin from its affiliates. Permit swap dealers to postpone documentation with a financial counterparty until such time as initial margin or variation margin is actually required to be collected or posted. Allow parties to amend swaps executed before the compliance date of the margin rules without having the amended swap become subject to the margin rules if the reason for the amendment relates to (a) benchmark replacement; (b) portfolio compression; or (c) the reduction of the notional amount due to a novation. A 30-day comment period will be open following publication in the Federal Register. This approval strongly suggests that the CFTC and the SEC will be making similar changes to their respective swap margin rules. The text of the NPR is available here. An FDIC Fact Sheet concerning the NPR is available here. FDIC Director Gruenberg dissented from the approval, which is available here. [...]
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Whole Life Insurance 101: A Simple Guide to These Complicated Policies

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Whole Life Insurance 101: A Simple Guide to These Complicated Policies
Life insurance is one of those touchy subjects no one likes to talk about, let alone research or recognize its existence. In a world that’s all about living your best life, life insurance just doesn’t fit.  We’re here to tell you that not only is it OK to talk about life insurance, but finding the right type of policy can provide you with peace of mind. One option to consider is whole life insurance. What Is Whole Life Insurance, and How Does Cash Value Work? So what is whole life insurance? Whole life insurance is a type of permanent life insurance that pays out a benefit to the individual(s) you list as the recipients for your policy when you die.  But part of your policy goes toward a cash value component, which is basically a tax-deferred savings account you can take advantage of later in life. You can use the cash value to: Pay your premiums. Take out loans at lower interest rates than you’d get from a bank. Supplement your income, especially in retirement. Create a new investment portfolio. Whole life insurance is a guaranteed payout that you can’t outlive. Your beneficiaries will receive the payout upon your death unless you fail to make payments or cancel your policy (and pay expensive cancellation costs), or if your cause of death is excluded in your policy.  When you die, your heirs receive the listed death benefit — but not the cash value that rose while you were alive and making payments. Any remaining cash value goes to the insurance company, so it’s a benefit to take advantage of while you’re still alive. Term vs. Whole Life Insurance The biggest difference between term and whole life insurance policies is the amount of time that you are covered. Term life insurance provides coverage for specific amounts of time, usually for set periods of anywhere from five to 30 years. But whole life insurance, as discussed above, is going to pay out eventually when you die as long as your premiums are paid.  When you choose term life insurance, you can get more coverage for lower premiums. Why? Because you’ll likely outlive your term, and the insurance company won’t have to pay out a death benefit. It also has no cash value. Most people choose a set term life insurance, knowing they are paying a low premium purely on a policy that’s solely for financial protection in the case of their untimely death. If you look at it from a purely insurance standpoint, it’s like buying car insurance your whole life but never using it because you were never in a car wreck.  Pro Tip Many term life insurance policies allow you to convert your policy to whole life insurance, but you’ll typically pay a costly fee. Try to do your homework first and stick with the policy you pick.  Your premiums for personal whole life insurance are considered a personal expense, so they aren’t tax-deductible. 5 Types of Whole Life Insurance Policies There are five main types of whole life insurance. Here’s a brief overview: Traditional whole life insurance: Your premiums stay the same as long as you keep making them.  Single premium whole life insurance: One large lump payment you make upfront takes care of this policy.  Limited whole life insurance: You pick a set period, such as 20 years, for this whole life insurance option. You’ll still be insured your whole life, but you’ll only make payments during the set period, which means your payments are higher than they would be for traditional whole life insurance. Modified premium whole life insurance: You pay lower premiums upfront, but they get more expensive as you age.  Survivorship life insurance: These policies allow you to insure two people and are popular among spouses. The catch? It pays out only after both policyholders have died. The benefit? It’s less expensive than paying for two separate whole life insurance policies.  FROM THE INSURANCE FORUM Life Insurance, Disability Insurance, Wills, etc 1/31/19 @ 10:21 PM Stride Health with Etsy 6/10/19 @ 5:18 PM How much car insurance do I need? 4/18/19 @ 3:28 PM Pet Insurance 4/18/19 @ 3:28 PM See more in Insurance or ask a money question What Happens When a Whole Life Insurance Policy Lapses or Is Surrendered?  A whole life insurance policy lapses when the policyholder stops making monthly premium payments on time. The life insurance contract is labeled as no longer active, and the cash value built up on the policy is surrendered. Death benefits will no longer be paid out for these surrendered policies.  Some companies allow policyholders to restart their policies within a certain grace period and get their lapsed payments paid within this time frame. Read the fine print to make sure you understand the rules of your whole life insurance policy lapse clause. Typically, reinstatements cost more than one month’s premium payment.  Whole Life Insurance Pros and Cons When you’re deciding whether a whole life insurance policy works for you, you have to weigh the pros and cons. The hard part? Decide what works best for you in your current financial situation while also weighing what works best in the long term for your beneficiaries. What’s Good About Whole Life Insurance Whole life insurance is appealing for several reasons, including: It’s guaranteed and permanent. That means your beneficiary will receive a payout upon your death, no matter when you die, as long as you’ve made your payments and your cause of death isn’t excluded from the policy. It’s a good option if you have dependents who will need a source of income after you die. The guaranteed payout makes it an appealing option for people with a disabled child, for example. Your payments are usually fixed throughout the life of the policy. There are options to choose limited whole life insurance policies that have a set term limit or policies that change once you turn 65.  You can take advantage of the cash value while you’re still alive. Just keep in mind that the cash value takes a long time to build up, meaning you’ll likely be much older before you can take advantage of this benefit. What’s Bad About Whole Life Insurance Here are a few drawbacks to consider if you’re thinking about whole life insurance: Higher premiums: You pay more for the guaranteed payout and lifelong coverage than you would for a term life policy. The cash value is lost upon your death. While some people make the case that whole life insurance can be used as a long-term personal finance retirement planning tool, the fact that money is lost when you die doesn’t help this argument. You’ll pay large fees to cancel the policy and withdraw the cash value. You’ll also pay income taxes on any earnings on the policy beyond what you paid for your premiums. How to Choose Between Whole Life Insurance vs. Term Insurance We get it. This is a difficult task no matter what. Life insurance company terms and conditions and the products and services they offer are complicated and difficult to digest. But here’s a quick summary of when to consider whole life insurance vs. term insurance. Consider term insurance if: You want to replace your income during a specific amount of time, e.g., while you’re raising children, paying off your mortgage, etc. Need the lowest pre [...]
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Save up to 60% and Get Free Shipping at Children’s Place

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Save up to 60% and Get Free Shipping at Children’s Place
  These deals are still going on – seriously, don’t miss out on them! NOW is the time to shop for back to school! The kids need new tees, shorts, jeans — or even uniforms! The Children’s Place is geared up already and has some amazing ways for you to save!  Right now, the entire ... Read More about Save up to 60% and Get Free Shipping at Children’s Place The post Save up to 60% and Get Free Shipping at Children’s Place appeared first on Penny Pinchin' Mom. [...]
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8 Ways to Cut Your Internet Costs Every Month

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8 Ways to Cut Your Internet Costs Every Month
Whether you use the internet for business or pleasure, there’s a chance you’re paying too much for it. The cost of internet service is only going up — even with lower-tier plans. If you can’t live without the internet, here are some of the best ways to cut your costs: Companies like BillCutterz and Trim will evaluate your monthly bills — for internet and other services &# [...]
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A Peek Into Our Week: Pregnancy update (week 26), bathroom redo, books, & romance

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A Peek Into Our Week: Pregnancy update (week 26), bathroom redo, books, & romance
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. 26 weeks!! This past week FLEW by and I can’t believe it’s time for another pregnancy picture and update. Highlights I’m continuing to feel so well overall. Yes, there are the normal uncomfortable parts and the fact that I have to lay down and rest/nap and move more slowly than my usual pace, but I cannot believe how well I’m doing compared to previous pregnancies! It just goes to show that prioritizing healthy food, sleep, hydration, and exercise really can make a difference! (It may also help that every day has a lot going on so I not have a lot of time to sit around and think about how I feel!) Notable My belly is definitely popping out more and the baby is kicking a lot stronger and harder these days! It’s still so surreal for me… but feeling the elbows and knees protruding out make it more and more real. Cravings My diet is pretty limited these days in order to avoid heartburn triggers, but some of my standby’s right now are cereal/milk, apples with peanut butter, and a big salad with chicken and hard boiled eggs. This basically makes up most of my eating right now — and I’m grateful that it tastes good, is nourishing, and doesn’t make me sick. Every day that I’m not experiencing extreme acid reflux like I did in my previous pregnancies is a gift. Weight gain: 18 pounds Check out my honest reviews on the 5 Books I Read This Past Week (+ 1 Classic Movie We Watched). Did you see how we spruced up our upstairs bathroom on a budget? See the before and after pictures here. The podcast episode this week on 10 Ways to Keep the Romance Alive was one of our most-downloaded episodes in a long time. Have you listened to it yet? [...]
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Walgreens: Buy One, Get One Free Coca-Cola e-coupon

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Walgreens: Buy One, Get One Free Coca-Cola e-coupon
Be sure to load this e-coupon for Coca-Cola! Walgreens has a new e-coupon valid for a Buy One, Get One Free Coca-Cola (20 oz)! Valid through October 18, 2019. Thanks, Hip2Save! [...]
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Afternoon Deals: Saturday, January 4

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Afternoon Deals: Saturday, January 4
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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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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*HOT* Ring Alarm System 5-Piece Kit for just $119 shipped!

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*HOT* Ring Alarm System 5-Piece Kit for just $119 shipped!
This post may contain affiliate links. Read my disclosure policy here. If you’ve been wanting a Ring Alarm System, this is SUCH a great deal! Prime members can get the Ring Alarm System 5-Piece Kit for just $119 shipped as a Prime Day deal. This is a HOT deal because the lowest price we’ve seen prior to this is $159 — which was last year’s Black Friday pricing! If you’ve been in the market for one of these, this is a GREAT time to grab it. Sign up for a free trial of Amazon Prime to take advantage of this Prime Day Deal and 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. Go here to see all of the current Prime Day 2019 Deals. [...]
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NFA Amends Swaps Supervision Requirements and Makes Technical Changes to NFA Rules and Interpretive Notices

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NFA Amends Swaps Supervision Requirements and Makes Technical Changes to NFA Rules and Interpretive Notices
On June 12, the National Futures Association (NFA) amended several of its rules and interpretive notices to incorporate expressly supervision requirements for NFA members’ swaps activities. NFA Compliance Rule 2-9(a), as amended, will apply specifically to futures commission merchant (FCM), introducing brokers (IB), commodity pool operator (CPO) and commodity trading advisor (CTA) members. New NFA Compliance Rule 2-9(d) will require swap dealer (SD) members to diligently supervise the swaps activities of their employees and agents. Finally, as part of the overhaul to the supervision requirements, the NFA adopted a new interpretive notice titled, NFA Compliance Rule 2-9(d): Supervision Requirements for Swap Dealer and Major Swap Participant Members. The amendments and interpretive notice will become effective September 30. A complete copy of the March 8 submission letter detailing the amendments is available here. [...]
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How to Save Money on Healthcare Needs For Your Family

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How to Save Money on Healthcare Needs For Your Family
If you ask many Americans, one thing that they need to save money on it is healthcare.  With the rising costs of both insurance and medical bills, it certainly can keep you up at night. You need healthcare coverage.  That is especially true if you have children.  They are good at getting sick and injured, ... Read More about How to Save Money on Healthcare Needs For Your Family The post How to Save Money on Healthcare Needs For Your Family appeared first on Penny Pinchin' Mom. [...]
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Fisher-Price Laugh and Learn Servin’ Up Fun Food Truck only $31.87 (Reg. $70!)

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Fisher-Price Laugh and Learn Servin’ Up Fun Food Truck only $31.87 (Reg. $70!)
This post may contain affiliate links. Read my disclosure policy here. Here’s a great gift idea! This Fisher-Price Laugh and Learn Servin’ Up Fun Food Truck is only $31.87 at Target! Target has this Fisher-Price Laugh and Learn Servin’ Up Fun Food Truck for just $49.99 right now (regularly $69.99)! Plus, there is a 15% off Target Circle offer available. Even better, you can get 25% off one Toy, Kids Book, or Craft Activity Kit mobile coupon when you text TOY to 827438 – limit one. Check out this deal idea: Fisher-Price Laugh and Learn Servin’ Up Fun Food Truck – $49.99 (regularly $69.99) Use the 15% off Fisher-Price Laugh and Learn Food Truck Circle offer Use your unique 25% off toy coupon Choose free in-store pickup $31.87 after coupons Thanks, Hip2Save! [...]
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Two insurance innovations roads to be taken- it’s not all tech

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Two insurance innovations roads to be taken- it’s not all tech
image The Innovation road diverged in an InsurTech wood, And while I wanted to travel both And be one searcher, long I stood And looked down one as far as I could To where it was lost in unknown techo growth;   Then took the other, as just as fair, And an improving process that […] The post Two insurance innovations roads to be taken- it’s not all tech appeared first on Daily Fintech. [...]
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7 Everyday Items You Can Get Paid to Recycle

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7 Everyday Items You Can Get Paid to Recycle
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. Why toss things in the trash when you can repurpose or recycle them?  In addition to diverting items from the waste stream and keeping them out of landfills, you can also make extra money or help out worthy causes. From scrap metal to ink cartridges, bullets to construction materials, you can recycle a huge variety of items in exchange for cash or goodwill. Ready to see all the different things you can recycle for money? Find a Collection Point To find a recycling center near you, head over to Earth911.com and plug in the item you’re looking to recycle along with your location. The site lists collection locations for everything from antifreeze to ammunition. Of course, not everything pays, but it’s important to properly dispose of potentially hazardous items.  Prepare Items for Recycling Check with your local collection point for specific rules for preparing your recyclables for the collection center. Some centers require you to remove bottle caps, rinse and bag bottles in certain increments, or sort and tie together cardboard. Checking the rules before you go will save you time later on.  Be sure to properly bag items that may make a bit of a mess. Even if you thoroughly rinse all your bottles and cans, there might be water and other residue on them, so be sure to transport them in bins or bags to protect the interior of your car. If you’re donating a cell phone or other electronic item, be sure to clear your personal information from it, including contact lists, voice mails, text messages, photos, passwords, downloads and anything else that you wouldn’t want random strangers to access. Back up your information on your new phone, your computer or a cloud-based service, then restore your phone to factory settings before recycling it. 7 Items You Can Recycle for Money Depending where you live, you can get paid to recycle certain items. Here are some common recyclables and how to recycle them. 1. Scrap Metal Scrap metal is one of the more profitable materials to recycle. For this reason, scrap metal theft is not uncommon. Many local recycling programs fund their programs through scrap metal collection, so be sure to check your local rules or laws about collection. Copper, steel and aluminum are just a few of the scrap metals that you can recycle for money. Google your local area and “scrap yard” to find a facility that takes whatever metals you have and learn their procedures for drop off. Once you have rounded up your metal, find out if it is ferrous or non-ferrous by seeing if a magnet sticks to it. If it does, the metal is ferrous and likely a common metal like steel or iron. These items typically aren’t worth much, but it’s still worthwhile to recycle them. If the magnet does not stick, you likely have copper, aluminum, brass, bronze or stainless steel on your hands. These metals are more valuable.  You can make money recycling a variety of these metals. Copper is one of the more profitable metals: Some scrap yards offer over $2 per pound. Aluminum typically earns between 40 and 70 cents a pound, yellow brass can yield $1.40 per pound, and die-cast metal goes in the 30-cents-a-pound range, though local prices vary.  2. Bottles and Cans One Penny Hoarder writer made $1,500 cashing in soda cans he collected at work. You, too, can make money by rounding up bottles and cans, whether from work, friends and family, at events, or just the recyclables you use at home. California offers 5 cents for most plastic and glass bottles and aluminum cans smaller than 24 ounces, and 10 cents for 24-ounce or larger containers. It’s technically a bottle deposit, but many people don’t bother to collect their refunds, so it’s easy money for bottle and can collectors.  Michigan has a 10-cents per bottle recycling rate, which has prompted people to illegally smuggle in empty bottles purchased out of state to cash in. (This was even the plot of one Seinfeld episode!) Many states have similar deposit programs, so check what’s available where you live. 3. Car Batteries Advance Auto Parts offers a $10 store gift card to customers who bring in their used car batteries (light-duty truck batteries are also accepted). If the company doesn’t have an outlet near you, call your local auto parts stores to see whether they offer similar deals. 4. Ink Cartridges A number of office supply stores, including Staples and Office Depot accept used ink cartridges for recycling. Staples offers $2 back per cartridge, with a maximum of 10 returns per month, and you have to spend at least $30 on ink or toner within 180 days of recycling.  Office Depot also gives you $2 back in program rewards for each ink or toner cartridge you recycle, up to 10 cartridges per month. But you must also purchase ink from them the same month. There is no limit on the number of cartridges you recycle, but you will only receive points on the first 10 per month. You can use your points toward a number of different perks and discounts.  5. Electronics Eco-Cell is one of many companies that offers cash for old cell phones and other electronics. The company accepts working or broken phones, tablets, rechargeable batteries, circuit boards and a variety of other electronics. Even if an item is broken or was submerged in water and is unusable, Eco-Cell will accept it in order to divert electronics from landfills and properly dispose of their toxic components and metals. Many cell phone providers, including Verizon and AT&T, have trade-in programs where you can receive a voucher, gift card or other reward for turning in your old phone. Amazon Trade-in is another way to earn gift cards. A number of charities also accept cell phones, whether to re-purpose or sell and use the funds for a charitable purpose. Cell Phones for Soldiers refurbishes and sells your old phone to active-duty military members and veterans. If a phone is too old or broken, Cell Phones for Soldiers sells it to recyclers who strip it for parts and dispose of its metals responsibly. The proceeds from the sales go to purchase international calling cards for troops and provide emergency financial assistance to veterans. And of course, you can always sell your old phone yourself. 6. Junk Cars Your rusted old jalopy? You can recycle it for money. There are companies that pay cash for broken down cars.  Junk Car Medics is one, and you can sell your car to them online or over the phone. You enter details about your vehicle, such as condition and mileage, and quickly get an offer. If you accept it, you’ll have to provide proof of ownership and a few other details before you get paid. The company says most transactions are same-day, and they take the car away for you. 7. The Rest of Your Unwanted Stuff You can “recycle” belongings you no longer want on a variety of apps and platforms and get a little something back for them. ThredUp and Poshmark are popular second-hand clothing apps where you can sell your wares.  ThredUp will send you a free shipping label and apply credits for anything that sells to your own account, but it’s often not a lot of money. Poshmark offers bigger potential payouts, but you have to put in more work to make your items move. Letgo is a second-hand site where you can buy or sell just about anything you no longer use. Kristen Pope is a freelance writer and editor in Jackson Hole, Wyoming. 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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Talking to David Siegel about Libra, Austrian Economics and Cryptocurrencies

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Talking to David Siegel about Libra, Austrian Economics and Cryptocurrencies
Our aim at Daily Fintech is to be a decentralized think tank where we get a diversity of opinions from around the world. One person whose thinking I have long admired is David Siegel. Even when I disagree with him, I always learn a lot, so we thought that the Daily Fintech community would benefit […] The post Talking to David Siegel about Libra, Austrian Economics and Cryptocurrencies appeared first on Daily Fintech. [...]
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8 First-Time Home Buyer Loans and Programs

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8 First-Time Home Buyer Loans and Programs
Buying a home is so hard, they should make it an Olympic event. It’s not just the paperwork; it’s the terminology, the fees and the number of people involved. It’s natural to want to agree to whatever, sign everything and just get through the process as fast as you can. While that may make you... Hal M. Bundrick, CFP is a writer at NerdWallet. Email: hal@nerdwallet.com. Twitter: @halmbundrick. The article 8 First-Time Home Buyer Loans and Programs originally appeared on NerdWallet. [...]
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Life Update: Pregnancy (week 19), our first foster care placement, plus more!

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Life Update: Pregnancy (week 19), our first foster care placement, plus more!
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. 19 weeks!! It feels like the last two weeks have sort of dragged by slower than usual as I anticipated being at the halfway mark. I have a feeling once I hit 20 weeks, then it will feel like it flies by for a bit until I start anticipating 30 weeks and then 40 weeks. HIGHLIGHTS I definitely started looking more pregnant this week. A lot of people noticed it and it’s fun (and weird!) to look down and see a protruding belly! I also broke out my first pair of maternity jeans (see photo above!) which felt pretty monumental! NOTABLE I started taking only one dose of iron daily + one dose of Blood Builder (instead of a double dose of SlowFe). It seems like this combo is working well for my stomach + I seem to have had more energy this week and I have to wonder if the B12 is helping with that?! I’m still nauseous at least part of most every day and running on about 50% the energy that I usually am, but it’s SO much better than the first trimester and I’m so grateful! CRAVINGS Scrambled eggs, avocados, and sourdough toast with butter continue to be my go to’s. I also had this obsession with making a pie mixing yogurt and whipped topping and freezing it in a graham cracker crust (thanks to a suggestion from a follower for how to use up all this plain yogurt I got marked down at a crazy price!) Weight gain: 10 lbs. We bought and decorated a Christmas tree this week! I felt like we were at least a week behind the rest of the world in getting this up, but I guess there are no rules for Christmas, right? The good news is that because we waited, we were able to get the tree for half price! (Psst! If you’ve been around here for awhile, you’ll remember that we ditched having a big Christmas tree last year. But this year, we decided to bring back the tradition and we don’t regret it! Want to hear about more of our Christmas traditions? We all recorded a podcast as a family on that very topic.) Silas had this big wart on his finger that he got burned off this week at the pediatrician’s office. Growing up, I had to get a lot of warts burned off, so I felt so badly for him when he was in pain for the next day as a result. But he really wanted to get it taken off and it was so big that I didn’t think any of the natural remedies would work (I tried a bunch of them growing up, including ACV, duct tape, wart remover ointment, and more and none of them ever worked at all for me!!) Gratefully, the pain only lasted for a day and he’s really happy that it’s healing! Kathrynne had her first basketball games of the season this week. She’s on Varsity this year and has a new coach, so she’s being stretched in good ways. We love getting to cheer her on and try to go to every single game that we can go to. It becomes a fun family activity — and we also get to see new parts of TN as we drive to little towns in different places for her away games! We also had a big Christmas gathering for all of the youth group members from both campuses of our church + the leaders. I laughed so hard and it was such a gift during a very full week. (By the way, Jesse and I have just loved the opportunity to serve as youth group leaders this year. It has brought us so much joy and life to pour into these kids!) Friday afternoon, we got a call about a 3-sibling group in foster care that didn’t have a home for the weekend. They were 13, 11, and 3 and Jesse and I felt strongly we were supposed to say yes. It turned out to be such a wonderful weekend. Tiring, but such a gift to get to open our home up and love on these kids. They had never decorated Christmas cookies before, so we had a fun time baking and decorating cookies together. The 3-year-old gave Kaitlynn a makeover! 🙂 The stay included one night with very little sleep because the 3-year-old had a bad cough and it kept waking her up and then she’d get scared and cry. I finally figured out that if I laid next to her bed, when she woke up, she’d be a lot less scared if I was right there with her. Her cough got worse on Saturday, so I took her into urgent care just to be safe. Gratefully, no ear infection (she’d be complaining of her ears hurting) and just an upper respiratory infection. They suggested honey and a humidifier. We also found Zarbee’s cough syrup that was approved for kids under 6 (we discovered this weekend that almost no meds are approved for kids under 6! I think maybe things have changed since our kids were little?) and we gave her that on Saturday night and she only woke up twice!) We are so thankful we had the opportunity to open up our home this weekend — if only for a short while — to love on and provide a safe place for these kids to stay. I also have quickly realized how many big feelings are going to be involved in this foster care journey we’re on… as I told someone yesterday, it’s both beautiful and brutal. [...]
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12 Amazon Purchases We Are Loving Right Now

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12 Amazon Purchases We Are Loving Right Now
What better way to find your next great purchase than to consult financially savvy consumers much like yourself — you know, the kind of people who read Money Talks News? We couldn’t think of a better way, which is why we rounded up the Amazon products that were most popular last month among Money Talks News readers, including our own staff and contributors. Don’t worry: [...]
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Verizon Announces Another Dividend Hike

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Verizon Announces Another Dividend Hike
It marks the 12 consecutive year in which the large wireless operator has hiked its dividend. [...]
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Life Update: Pregnancy (week 15) + our big foster care news!

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Life Update: Pregnancy (week 15) + our big foster care news!
Welcome to my weekly life update where I share about my pregnancy & give you a peek into our life this past week. If you want to follow a lot more behind-the-scenes and real-time updates every week, be sure to follow my stories and posts on Instagram. 15 weeks and I’m not going to be able to camouflage this bump much longer. 😉 HIGHLIGHTS I had another doctor’s appointment. It was super routine, but my doctor was so encouraging about how healthy I am, how healthy the baby is, and how well I am doing. That was such a blessing! In 5 weeks, I go back for my big 20-week anatomy scan! NOTABLE I had one really rough day this past week but other than that I had a few hours of most days where I felt so good that I sort of forgot I was pregnant! I started sitting on the exercise ball this past week because I can tell that these hips are starting to feel the usual aches and pains of pregnancy. I discovered the power of sitting a few hours per day on an exercise ball and how much relief it provided for my tailbone/hip pain, so I’m trying to be proactive and start this early this time — especially since my hips are 11 years older than they were last time I was pregnant! 😉 CRAVINGS This week, it was all about meat and carbs. Seriously, I craved roast, chicken, and noodles. And I’m still totally into cheese and cottage cheese! WEIGHT GAIN: 7 pounds Our Big Foster Care News! After months and months of classes, homework, meetings, paperwork and more paperwork, doctor’s visits, TB testing, home visits, interviews, and hours and hours spent getting our home all set up and childproofed, we found out this past week that we our home is officially licensed as a foster home in TN!! We have no idea what the future holds for us when it comes to foster care, but we are excited to continue on in this step of faith and obedience. We’ve been praying for the children who will be placed in our home and trusting God that He’s got a beautiful plan that we can’t really dream or imagine right now. Obviously, there’s a lot I won’t be able to share about this journey in order to protect other family’s and kids’ privacy, but I will definitely share what I can while protecting the kids/families first and foremost (as that is one of our number one priorities as a foster home: to provide a safe place for kids and to pave the way for reunification). We know this is going to be stretching and we have no idea what to expect, but we are looking forward to seeing what God has for us in this and how He’s going to use it to grow our family and change our lives. In Case You Missed It: Veteran’s Day Freebies 20 Gifts for Tweens Under $30 Building Strong Father-Daughter Relationships [...]
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4 Expiring Tax Breaks Extended Through 2020

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4 Expiring Tax Breaks Extended Through 2020
Federal budget legislation enacted in late December did a lot more than fund the government for another year. As we’ve recently reported, this bill package included provisions that tweak everything from retirement accounts to cable TV bills, for example. It also extends several tax breaks for individuals that had expired already or were about to expire, making them available for your tax... [...]
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CFTC Chair Proposes Relief for Phase 5 Initial Margin Implementation

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CFTC Chair Proposes Relief for Phase 5 Initial Margin Implementation
On April 29, Commodity Futures Trading Commission Chairman Chris Giancarlo sent a letter to Randy Quarles, the Vice Chair for Supervision of the Board of Governors of the Federal Reserve System, in which he proposed that the US regulators responsible for the administering the margin rules for uncleared swaps should collaborate in providing some relief to non-dealer swap market participants who may become subject to initial margin requirements in 2020. The specific relief would be the issuance of the same guidance issued by the Basel Committee on Banking Supervision (BCBS) and the International Organization of Securities Commissions (IOSCO) in March (for more information, see the March 8, 2019 edition of Corporate & Financial Weekly Digest), which stated that in-scope parties do not have to put in place compliant documentation and custodial relationships if there is no expectation that the exposure associated with their swaps will actually exceed the regulatory threshold for posting initial margin ($50 million for the United States). The need for this relief is a result of the phase-in level for initial margin requirements dropping to zero in 2020. That change is likely to bring many financial end-user swap parties (“Phase 5 Parties”) into scope for initial margin because they trade with swap dealers and have material swaps exposure of $8 billion or more. The proposed guidance would simplify life for any Phase 5 Party that has a relatively low risk swap portfolio and save such parties from having to negotiate new initial margin and custody documents. The guidance would have no effect on Phase 5 Parties that do expect to have more than $50 million in aggregate swap exposure for initial margin purposes. A Phase 5 Party that benefits from such relief would have to monitor its exposures carefully, however, and be ready to satisfy all applicable requirements if it ever exceeds the posting threshold. Since the Federal Reserve is only one of the five banking regulators responsible for the margin rules applicable to swap dealers that are subject to prudential regulation (i.e., bank swap dealers), this proposal can only come to fruition if it is also agreed to by the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, the Farm Credit Administration and the Federal Housing Finance Agency. The letter is available here. [...]
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It’s Cyber Monday: Here Are the Best Deals at Amazon

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It’s Cyber Monday: Here Are the Best Deals at Amazon
Not to worry if you missed out on any deals on Black Friday. Cyber Monday — today — brings plenty of second chances. In fact, on Amazon, you will find many discounts that are at least as steep as they were on Black Friday — as well as deals that weren’t even available on Black Friday. Just take a look at the hundreds of deals on Amazon’s Cyber Monday site. Or... [...]
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5 Things You Should NOT Buy at Dollar Tree

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5 Things You Should NOT Buy at Dollar Tree
Since you all loved my list of what NOT to buy at Aldi, I thought it’d be fun to put together a list of what NOT to buy at Dollar Tree! What You Shouldn’t Buy at Dollar Tree Wondering what you shouldn’t buy at Dollar? Well, I’ve got you covered in this post! Now, before you think I’m here to disparage Dollar Tree, let me be clear: Dollar Tree is one of my favorite places to shop at. And I’m thrilled that I passed that love on to my daughter! I mean, what’s not to love about Dollar Tree? Everything in the store is a dollar or less. If you’re wondering what I think you should buy at Dollar Tree, be sure to check out my HUGE list of the best things to buy at Dollar Tree. I go to the Dollar Tree for Valentine’s Day gifts. We have a family Christmas tradition where we all go to Dollar Tree and buy each other stocking stuffers! I even think it’s a great place to save money on groceries! But just like any other store, there are definitely some things I think you should not purchase at Dollar Tree because they aren’t great deals. I put together a list of my top five things below: (Psst! Did you see my list of 5 Things You Should Not Buy at Aldi?) 1. Cheap Plastic Toys Okay, so if you want to buy the cheap plastic toys, you totally can — especially if they will give your kids a lot of enjoyment. (Hey, if a cheap plastic toy for $1 will buy you 30 minutes of peace and quiet, I’m all for that!) And full disclosure, we have totally have bought the games, puzzles, activity books many times over the years (especially for road trips), but we try to be careful that we’re not buying cheap toys that won’t work and are just going to break in a few minutes. 2. Boxes of Cereal While they do have name brand cereals, they are small boxes and the price per ounce isn’t a great deal — especially compared to what you’d pay for cereal at Aldi. 3. Mac & Cheese I’ve told you that my kids are big fans of the boxed Mac & Cheese at Aldi — and it’s less than $0.50 per box! Also, there are often deals on Annie’s Mac & Cheese where you can get it for $1 per box or less! Looking for a really delicious homemade mac & cheese recipe. I highly recommend this one. 4. Chips/Pretzels If you don’t have a Kroger or Aldi, the prices on tortilla chips and pretzels could be a good deal for you. The packages are smaller than a typical bag of chips or pretzels at the grocery store. Aldi has the larger bags for $1.19 and Kroger often has larger bags on sale for $1. 5. Hand towels and wash cloths I had to include these because of all the things you can buy at Dollar Tree these are one of the few things I think you should never buy. Why? Because they are basically scratchy, non-absorbent rags. I mean, if you want to buy them for rags, be my guest. But I think you’d be better off using leaves off your backyard trees to clean up a mess than these “towels”. 🙂 Okay, that might be a little bit of an exaggeration, but still, just don’t buy these! Wait until Kohl’s has a deal and a coupon code, and then spend $1-2 per hand towel and wash cloth to buy something that actually works! Do you agree with my list? Is there anything you would add to it? I’d love to hear! Related Links: My 25 Favorite Things to Buy at Dollar Tree 21 Valentine’s Day Deals at Dollar Tree 23 Stocking Stuffer Ideas from Dollar Tree My 25 Favorite Things to Buy at Aldi 5 Things You Should NOT Buy at Aldi [...]
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This Week in Fintech ending 14 February 2020

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This Week in Fintech ending 14 February 2020
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The 5 Best Things to Buy in January — and 4 to Wait on

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The 5 Best Things to Buy in January — and 4 to Wait on
This post comes from Elizabeth Harper of partner site DealNews.com. Plenty of stores will ring in the new year with great sales. But if you’re wondering what to buy in January, you should know that not everything will be a bargain this month, so you’ll want to shop smart to get the best prices. Following is our take on the things you should buy — and shouldn’t buy — during the... [...]
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7 Unexpected Perks of Downsizing as a Retiree

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7 Unexpected Perks of Downsizing as a Retiree
When you were young, chances are you dreamed of owning a large home with all the bells and whistles. But as life marches on, it’s not unusual to have more modest goals, including visions of a smaller home that better suits your needs. You may decide to downsize before retirement. Or, maybe you are just looking for a simpler lifestyle. Parents often find there’s less need to maintain... [...]
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Easy Slow Cooker Chicken Tortellini Soup Recipe

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Easy Slow Cooker Chicken Tortellini Soup Recipe
Looking for a yummy and easy slow cooker soup recipe? This Chicken Tortellini Soup Recipe is one you should definitely try! I cooked dinner for the first time in six weeks on Monday! And it felt SO good to be back in the kitchen after weeks of not being able to stand doing any food prep because of morning, noon, and night sickness. Since the weather has cooled down here, I though an easy soup recipe would be perfect. Boy oh boy did this one hit the spot! Every person in our family loved it and the entire slow cooker pot was finished off in less than 15 minutes (see above)! Also, everyone declared this recipe a win! Or, maybe they were just so excited that Mom was finally cooking again so they were extra enthusiastic about it?? 😉 This recipe is so simple to make and it’s a fun twist on traditional chicken noodle soup. Plus, it can be made ahead in the crock pot! The only thing I would recommend would be buying more flavorful cheese tortellini (we bought the Kroger brand and I thought it was kind of bland) OR adding more salt and pepper to the soup to make it a little more flavorful. Chicken Tortellini Soup 1 lb. boneless skinless chicken breasts (I used three frozen breasts.) 2 carrots, peeled and sliced 2 stalks celery, chopped 6 cups chicken broth 1 teaspoon Italian seasoning Salt/pepper 18 oz. refrigerated cheese tortellini Put the chicken, carrots, and celery in a slow cooker. Pour chicken broth over and sprinkle with Italian seasoning and salt and pepper to taste. Cook on low for 6 hours. Take chicken out and shred/chop. Add chicken back in to slow cooker along with tortellini. Cook until tortellini is tender. adapted from Delish.com Looking for more yummy soup recipes? Here are some of our favorites: Crockpot Taco Soup Best Ever Black Bean Soup Cheesy Hamburger Potato Soup Hamburger Vegetable Soup recipe What is your favorite soup recipe for fall months? I’d love to hear! [...]
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A Peek Into Our Week (+ Sprouts & Kroger Shopping Trips)

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A Peek Into Our Week (+ Sprouts & Kroger Shopping Trips)
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. Well, it was another week of travel and adventures — so I didn’t track what we ate in order to share in a post. But I did make it to Kroger twice and Sprouts once and got some great deals. I thought it would be fun to share a little peek into our week + what I bought at the grocery store. For Father’s Day, Jesse wanted to try out this new brunch restaurant in town. It was delicious and we had fun celebrating this man we love so much! We also ran by Kroger and Sprouts to pick up some deals. Sprouts was having their weekend deals and I didn’t want to miss them. Sprouts Shopping Trip Sweet corn — 6 for $1 (weekend deal) 3 dozen cage free eggs — $1.88 per dozen (weekend deal) 1 Coconut Bliss “ice cream” — used free coupon (I got the Peanut Butter Chocolate and it is good!) — I forgot to take this out of the freezer to put in the photo! Total with tax: $7.49 I also wanted to get to grab a few of the Kroger Buy 5, Get $5 off deals on Sunday since I knew I was going to be out of town for the next few days. I especially wanted to get 5 boxes of the $0.99 Quaker Granola bars. Kroger Shopping Trip #1 5 boxes of Quaker Granola Bars — $0.99 each when you buy 5 participating items 2 bags Jef Puffed Marshmallows — marked down to $0.69 each (I’m going to stick these in the freezer for rice krispy treats.) 3 packages of Hillshire Sausage — $1.88 each with weekend deal Private Selection Barbecue Sauce — used free coupon (no longer available) 1 bag Kroger Pot Roast — marked down to $5.49 5 bags of produce — marked down to $0.99 per bag 2 packages of ground turkey — marked down to $2.69 each Izzio Multigrain Bread — marked down to $1.29 Spinach — marked down to $1.79 5 packages of Goldfish — $0.99 each when you buy 5 participating items Kroger Private Selection ice cream (not pictured — I forgot to take it out of the freezer for the picture!) — used free coupon (no longer available) Milk — $2.69 Kroger oatmeal — $1.59, used $0.40/1 coupon Kroger mailed to me = $1.09 Total with tax: $42.12 I left on Monday morning to fly to Dallas for my mom to have surgery. My Time in Kansas I rode back to Wichita, KS with my parents on Monday evening after my mom’s surgery and I stayed with them through Wednesday evening. I got to hang out with my mom and help take care of her during the day while my dad went to work. In addition to getting to spend lots of time talking with her, I helped a little with my brother’s eBay business (my Mom and sister are running the business for him while he’s away serving as a counselor at the Wild’s camp in NC), and make yummy food for my mom and me (she’s the one who first inspired me to love salads so much!) Kaitlynn’s Birthday I flew back to TN on Wednesday night — just in time to celebrate Kaitlynn’s birthday on Thursday! Can you believe she is 12? I wrote a letter to her here that shares some of my thoughts on her life and the joy and spark she brings to us. I always take each child out on a birthday date of their choosing. Kaitlynn chose to go to a place that makes rolled ice cream and Bubble Milk Tea. It was my first time to have both of them and we had such a fun outing together! Our Trip to Iceland As many of you know, it’s our family goal to visit all 7 continents and 50 states by the time Kathrynne turns 18. We had planned to visit Europe this summer but prices to places like London and Rome are crazy during June and July. However, I found some cheap tickets to Iceland and jumped on them! So we packed up on Friday morning to head to Iceland… but not before hitting the Friday-Saturday Kroger deals (I couldn’t pass up $0.99 cheese!) Kroger Shopping Trip #2 4 bags of Kettle chips, 1 bag of Snyder’s pretzel’s — $0.99 each with Friday-Saturday deals 5 packages of Kroger cheese — $0.99 each with Friday-Saturday deals 5 bottles of Pace salsa — $0.99 each with Friday-Saturday deals 1 package bacon — $2.99 with Friday-Saturday deals Total with tax: $18.96 Grocery Totals: $68.75 Cashback Earned: 375 points back from Fetch, $0.06 from CoinOut, Want to follow along with our Iceland trip and get tips for how we are doing it on a budget? Be sure to follow my stories on Instagram this week! [...]
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Could you use an extra $50? (time sensitive)

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Could you use an extra $50? (time sensitive)
Could you use an extra $50 this week? What about every single week? I believe wholeheartedly that the majority of families in America could make some simple changes in their menu and grocery purchases that could pretty easily reduce their grocery expenses by $50 or more each week! This might seem like a strong statement, but after years of talking to and teaching thousands of families all across America how to lower their grocery bill, I truly stand behind it. Think about it: what could you do with an extra $50 each week? If you could spend an extra 4-8 hours per month and save $200, is that worth it? If so, I strongly encourage you to check out my brand-new ebook called Slash Your Grocery Bill? It’s a comprehensive guide with simple, realistic short-cuts and time-saving tips to lower your grocery bill. It’s for anyone who has ever wished they could figure out the secrets for how to eat well on a small budget. If you follow even some of the tips in it, I can guarantee without a doubt that you WILL lower your grocery bill! Get it for just $7 — through midnight tonight! Slash Your Grocery Bill will usually be priced at $17, but to celebrate the launch, through midnight tonight, you can get it for just $7! Yes, that’s right. Only $7. And I can almost promise you will save twice or three times that much on your very first shopping trip using the techniques I share. So it’s a really fantastic investment that could pay off over and over and over again! Answering Your Questions Now, I know that some of you have written in with questions about the eBook and wondering if it’s really for you. I love how you are carefully evaluating your purchases to make sure you’re not spending money on something that isn’t going to truly work for you or save you money. Let me answer some of the most-asked questions… Is this going to require a lot of time? I believe that you should always see good return on your investment of time. I also know you probably don’t have hours of time to spend chasing deals and clipping coupons. This eBook is for busy women (and men!) who need to cut their grocery bill but don’t have a lot of extra time to do so! We eat all organic. Will your strategies apply to us? Not every strategy in this eBook will work for every family, but many of the strategies in this eBook can be implemented or adapted to work for you — no matter what type of food you eat or stores you shop at! Will I have to clip coupons? Nope! You are welcome to clip coupons if you’d like, but as I’ll show you in this eBook, there are SO many other ways to slash your grocery bill. Are you going to say that we have to eat beans and rice? Full disclosure: I am going to encourage you to consider creative ways to eat less meat or and save on meat costs in one of the chapters, but I promise that this is not just a 99 different ways to eat beans and rice! What if we only have one grocery store in our town? While there are definitely advantages to having more options when it comes to shopping, if you only have one store, I’ll still show you lots of ways you can save. Plus, there are benefits to only having one store: it keeps things simple and streamlined! How long will I have access to this eBook? When you purchase, you’ll have immediate access to the eBook via a link online and a link I’ll send you in your email. And best of all, you will have lifetime access to it! Is there a money-back guarantee? I want you to spend your money wisely and I do not want you to invest money in something that isn’t going to benefit your family and save you money. If you purchase this eBook and discover that you are already doing everything in it, please contact me for a full refund (also, way to go on being such a savvy saver!) What I’ll Teach You… In Slash Your Grocery Bill, you’ll learn: How to strategically plan a menu in just minutes each week Multiple menu-planning methods that have worked well for me How to set up a realistic grocery budget How to determine a grocery budget that actually will work for your family Why you should consider rotating the stores you shop at How practicing the Buy Ahead principle can save you hundreds of dollars each year How to stock your pantry on a limited budget DIY and homemade mix ideas, short-cuts, and time-saving tips Inexpensive and yummy snack ideas Our favorite budget-friendly pantry meal ideas And so much more! Yes! Please Help Me Cut My Grocery Bill! “Slash Your Grocery Bill had something for everyone in their journey to joyful frugality–whether you’re just beginning, or a veteran budgeter. For me, a mom of six who already keeps a steadily low grocery budget, the ‘Aha!’ section was all the ways I could use technology to help. And even though I’ve been doing it on my own for years, Crystal’s printables and other resources are going to make my grocery bill slashing a whole lot easier.” -Faith I promise the strategies in this eBook will work for you! I wrote Slash Your Grocery Bill in the hopes that no matter where you live, who lives at your house, or what kind of food you eat, you will be able to cut your grocery bill. I’ve taught hundreds of thousands of people in a myriad of different seasons and life situations how to save. So I promise that there will be many strategies in this eBook that will work for you. I stand behind my promise – or you get your money back! If you buy the eBook and are already doing every thing it suggests and/or the rest of the ideas won’t work for you, guess what? I will happily offer you your money back! I do not want you to spend money on something that isn’t truly going to save you money and benefit your life! Truly, it’s a no risk purchase! There’s nothing to lose and you just might end up gaining an extra $50 each and every week! What are you waiting for? Go here to grab your copy of Slash Your Grocery Bill for just $7! P.S. This $7 price is only good through tonight! Don’t miss out. After tonight, the price goes up to $17! Hurry and get your copy while it’s this low price! [...]
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What’s the Best Airline Credit Card for New York City Travelers?

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What’s the Best Airline Credit Card for New York City Travelers?
You fly out of New York City or the surrounding area. You’re thinking about getting a branded airline credit card. But which one is right for you? If the answer were simple, we’d give it right here and be done with it. But choosing one “best” credit card in NYC is like picking the best... Sam Kemmis is a writer at NerdWallet. Email: skemmis@nerdwallet.com. Twitter: @samsambutdif. The article What’s the Best Airline Credit Card for New York City Travelers? originally appeared on NerdWallet. [...]
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Is Dollar Tree Raising Prices?

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Is Dollar Tree Raising Prices?
Did you hear about the possibility of Dollar Tree raising prices?! I really hope this doesn’t end up affecting how much I love Dollar Tree!! {Be sure to check out my lists of 25 Things to Buy at Dollar Tree and 5 Things You Should NOT Buy at Dollar Tree!} Not everything will be $1 at Dollar Tree anymore?? Wait…what?! Isn’t that the whole point of Dollar Tree? I was sad to see that Dollar Tree recently announced they’re introducing multiple price points on some of their merchandise. These items will be called Dollar Tree Plus! multi-price point products. For now, it looks like this pricing will only be tested in select stores across the country to see how it goes. Have you noticed this pricing being tested at your store yet? Nothing is official quite yet, because depending on how consumers respond to the test, they may or may not keep this multi-pricing model. Does that mean Dollar Tree is raising prices? Well, not technically! The good news is that during this testing phase, they will not raise prices on their current assortment of products that are already priced at $1. I’m hopeful that the test phase won’t be successful and Dollar Tree will stick with their original pricing. Why I love Dollar Tree so much The main reason I love Dollar Tree so much is that I know I can go into the store and expect everything to be $1 or less! That’s the beauty of it! I really hope this doesn’t affect the great $1 value items you can currently get at Dollar Tree. I also wonder if I’ll eventually have to update my list of what NOT to buy at Dollar Tree. We’ll have to see! Have you noticed any of these price changes/tests happening at your store? Let us know in the comments. Related Links: My 25 Favorite Things to Buy at Dollar Tree 5 Things You Should NOT Buy at Dollar Tree 21 Valentine’s Day Deals at Dollar Tree 23 Stocking Stuffer Ideas from Dollar Tree [...]
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JCPenney: Buy One, Get One Free Nike Shoes!

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JCPenney: Buy One, Get One Free Nike Shoes!
This post may contain affiliate links. Read my disclosure policy here. Right now, you can score Buy One, Get One Free Nike Shoes at JCPenney! For a limited time, JCPenney has Nike shoes on sale Buy One, Get One Free! No promo code needed. Please note that this excludes sale and clearance shoes. Check out these deal ideas… Buy one pair of Nike Air Max Oketo Mens Running Shoes – $75 Buy one pair of Nike Run Swift Womens Running Shoes – $70 Total after Buy One Get One Free = $75 $37.50 each after sale Buy one pair of Nike Downshifter 9 Womens Running Shoes – $60 Buy one pair of Nike Flex Essential Womens Training Shoes – $60 Total after Buy One Get One Free = $60 $30 each after sale Buy one pair of Nike Zoom Rival Fly Womens Lace-up Running Shoes – $90 Buy one pair of Nike Zoom Winflo 6 Womens Running Shoes – $90 Total after Buy One, Get One Free = $90 $45 each after sale Choose free in-store pickup to avoid shipping costs. Thanks, Hip2Save! [...]
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*HOT* JCPenney: Buy 1, Get 2 Free Women’s Sandals

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*HOT* JCPenney: Buy 1, Get 2 Free Women’s Sandals
This post may contain affiliate links. Read my disclosure policy here. Do you need new sandals for summer? JCPenney is currently offering Buy One, Get Two Free on select women’s sandals! JCPenney is offering Buy One, Get Two Free select women’s sandals! There are over 100 styles to choose from! No promo code is needed. Just add three pairs to your cart and you’ll see the discount at checkout. Choose in-store pickup to avoid shipping costs. Valid through June 26, 2019. Thanks, Freebie Radar! [...]
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Want to Avoid Overspending This Christmas? Start Saving in September

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Want to Avoid Overspending This Christmas? Start Saving in September
Don’t you want to scream when you see Christmas displays in the stores before Halloween? Or when “It’s Beginning to Look a Lot Like Christmas” is stuck in your head for two months, because it starts playing in early November? The Christmas creep can be annoying, but there’s at least one good reason to start thinking about the holidays before the leaves start changing color. It gives you more time to save. With all the decorations, food, parties and gift giving, celebrating Christmas has become synonymous with spending money. The National Retail Federation’s 2018 holiday consumer trend study found consumers would spend an average of $1,000 on gifts, decorations, candy and more. Waiting until November or December to prepare for these expenses means you’ll often end up charging your purchases and paying them off — plus interest — well into the new year. Instead, establish a Christmas saving plan and avoid debt and overspending. Create Your Christmas Saving Plan To save up for the holidays, figure out how much you plan to spend and divide that amount into weekly chunks. In the personal finance sphere, we call this setting up a sinking fund. Make a list that includes who you’ll be shopping for and how much you’ll spend on each person. It may be helpful to refer to what you spent last year. Add estimated costs for decorations, food and holiday events to your list as well. Between parties where you contribute a bottle of wine, gifts for your kids’ friends or an office Secret Santa, plus the bounty of food on the actual holiday, these “extras” can really add up. Total everything and divide it by the amount of weeks left until you’ll hit the stores. Unless you’re a fan of last-minute shopping, this means giving yourself some wiggle room before December 25. We’ve laid out how much you need to save over a 12-week period to come up with anywhere from $200 to $1,000. Another tactic for holiday saving is to determine how much money you’re able to save and create your holiday budget based off that. For example, if you’re able to spare $25 a week to go toward your Christmas savings, you’d save $300 in 12 weeks. That would be your limit for all your holiday spending. If you think you’ll need more, start saving earlier. In fact, you can implement your Christmas saving plan anytime during the year. Keep your holiday savings apart from the rest of your money so you don’t accidentally spend your stash on everyday expenses. If you use a sub-savings account at your bank or credit union, set up automatic savings transfers each week to ensure you stay consistent.  If you take the cash envelope route, make sure you have an envelope exclusively dedicated to holiday expenses and not other short-term goals. Set weekly calendar reminders to nudge you to put the money aside.  FROM THE BUDGETING FORUM How do you distribute your income? 8/5/19 @ 9:38 AM T Budgeting Apps? 3/17/19 @ 8:42 PM Is there a particular budgeting booklet 8/19/19 @ 10:14 AM A See more in Budgeting or ask a money question How to Bulk Up Your Holiday Savings Trimming the fat from your weekly spending is a good way to find extra cash to put toward Christmas gifts. Take out your budget and highlight all the nonessential recurring expenses. You don’t have to give them up forever — just until you’ve finished your holiday shopping. If you want to increase your savings fast, try a no-spend challenge. Or cut your grocery budget by doing the pantry challenge and making meals out of what’s already at home. Saving money isn’t all about making cuts. You can temporarily increase your income by getting a part-time holiday gig (bonus if you get a company discount) or doing odd jobs on Fiverr or TaskRabbit. Make room for the new gifts you’ll get by cleaning out your closets and selling stuff online.  Cut Costs on Holiday Expenses Just because the National Retail Federation says people are spending $1,000 for the holidays doesn’t mean you have to spend that much. Set your Christmas budget for what is financially comfortable for you. Get crafty and make your gifts. (Here are 12 DIY Christmas gift ideas.) Shop early and take advantage of sales. Use old gift cards. Cash in your credit card rewards. Restrict the amount of presents you give your kids by implementing the four-gift rule. Do your holiday shopping online and comparison shop to get the best deal. (These stores offer free shipping with no minimum order.) 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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5 Hidden Features of 401(k) Plans That You Should Know About

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5 Hidden Features of 401(k) Plans That You Should Know About
When it comes to 401(k) plans, you may be missing out on benefits that you don’t know about. Your 401(k) plan doesn’t have to offer all the tax-savings provisions that the IRS allows for 401(k) plans. So, not all plans have every possible 401(k) feature, which means there are features you might not realize exist. The only way to find out what options your 401(k) offers is to ask your... [...]
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How Much Should You Spend on Essentials? Here’s What the Experts Say

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How Much Should You Spend on Essentials? Here’s What the Experts Say
Unless you treat budgeting like a book club and openly discuss your spending habits with your friends, you may not realize you’re overspending — or underspending — in certain categories. Budget recommendations can help you better assess how you manage your money. We turned to government sources and industry leaders for those recommendations in four major categories: housing, food, debt and retirement. These budget percentages — which you can tweak to fit your situation — can help you determine where your dollars should go. Don’t Spend More Than 30% on Housing It might be difficult if you’re in a city with a high cost of living and you don’t have roommates, but try to keep your housing expenses under 30%. Government agencies, including the U.S. Department of Housing and Urban Development, consider households cost burdened if they spend more than that. If your annual income is around $30,000, you shouldn’t spend more than $750 a month on housing. If you make $50,000 a year, your monthly housing costs shouldn’t exceed $1,250. Individuals and families bringing in $75,000 annually can increase their housing spending threshold to $1,875 a month. Keeping this threshold in mind isn’t just good for your financial well-being; it can also affect your ability to find housing. Leasing agents and housing lenders compare housing costs to your income to determine whether to approve a rental or mortgage application. Keep Food Costs Between 10 and 15% Food spending can vary drastically from one household to the next based on family size, dietary needs, food preferences and other factors.  Still, one way to assess your spending is to turn to the United States Department of Agriculture’s monthly food-cost guide, which is based off government recommendations for a nutritious diet and food prices from the early 2000s that have been updated to reflect current dollars.  The guide focuses on costs for food prepared at home. (Don’t include your Uber Eats expenses when comparing your spending to the recommendations.) The USDA’s chart breaks down food costs in dollar amounts based on four spending levels — thrifty, low-cost, moderate and liberal. It’s further broken down in terms of age, gender and family make-up.  The recommended spending for a moderate-cost plan generally takes up between 10 and 15% of the budget for a middle-income individual or couple. According to the chart, a woman under 50 should spend $257.20 a month on a moderate-cost food plan. If she made $30,000, that would be about 10% of her monthly budget. A man under 50 on a moderate plan should spend about $302.20, which is 12% of a $30,000 annual salary. A couple in the same age bracket following the same food plan is recommended to spend $615.30 a month on groceries. If that couple earned a combined $50,000 a year, 15% on their budget would go to food expenses. If they earned $75,000, they’d be spending 10% of their monthly income on food. Certainly, having kids increases the cost of food. According to the USDA, a moderately-spending family of four should spend $892.40 monthly with children under age 6, or $1,065.20 a month if their kids are between ages 6 and 11. That means a family earning $75,000 a year would spend 14% of their budget on food if they had young kids or 17% if they had older kids. FROM THE BUDGETING FORUM How do you distribute your income? 8/5/19 @ 1:38 PM T Budgeting Apps? 3/18/19 @ 12:42 AM Is there a particular budgeting booklet 8/19/19 @ 2:14 PM A Have you tried the Zero Based budgeting method? 6/7/19 @ 1:58 PM See more in Budgeting or ask a money question Debt Payments Shouldn’t Make Up More Than 43% Ideally, you want none of your income going toward repaying loans. But if you’re like most American adults, you probably owe money in the form of credit card debt, a mortgage, a car note, student loans or medical bills. The Consumer Financial Protection Bureau says the 43% debt-to-income ratio is the standard most lenders will use to determine whether a borrower can be approved for a qualified mortgage. Borrowers whose monthly debt payments (including their mortgage) make up more than 43% of their monthly gross income would have a harder time qualifying for a loan. To think of this budget percentage in real dollars, an individual with an annual household income of $30,000 shouldn’t have over $1,075 in total monthly debt payments. Someone with an annual household income of $50,000 shouldn’t exceed $1,792 per month, and those who earn $75,000 a year shouldn’t put more than $2,688 a month toward paying off debt. If your minimum debt payments exceed 43% of your income, consider asking creditors for a lower interest rate, refinancing or consolidating your loans or opening a balance transfer credit card with a 0% introductory interest rate. Another option is increasing your income with a regular side gig or second job. Of course, if you have room in your budget to spend more than 43% of your income in order to make extra payments and get rid of your debt quicker — more power to you! Aim to Save 15% (or More) for Retirement Saving and investing in your working years allows you to have money to draw from when you no longer have a paycheck coming in. How much you ought to put aside will depend on a few factors, like age, income level and your estimated cost of living once you hit retirement.  A rule of thumb from investment firm Fidelity is to start saving 15% of your income (including employer contributions) at age 25. If you make $30,000 annually, you should save $4,500 per year or $375 a month. If you have an annual salary of $50,000, try saving $7,500 a year or $625 monthly. If you’re getting a later start saving for retirement, you’ll need to up that contribution. Fidelity recommends saving 18% if you start at age 30 or 23% if you start at 35. Our guide to retirement planning outlines what you need to know when it comes to saving for your golden years. And if you’re hoping to retire before the wrinkles set in, check out this article on how to retire early. Guidance For Your Other Spending Your monthly spending likely falls into other budget categories as well. To see what other Americans spend in categories like apparel, transportation, health care, entertainment, personal care, education, insurance and more, check out the U.S. Bureau of Labor Statistics’ annual consumer expenditures survey. Personal finance guru Dave Ramsey also shares popular budget percentage recommendations on his EveryDollar site. Know that what’s recommended for budgeting — whether it’s from government sources or a trusted personal finance personality — should be seen as a guideline, not as a mandate. A blanket percentage can’t account for everyone’s unique financial situation. So go ahead and customize your budget as it fits for your life. As long as your budget meets your needs (and allows you to save for the future), you’re doing something right.  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 Penn [...]
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These Colleges Will Pay Tuition, but You’ll Work for It

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These Colleges Will Pay Tuition, but You’ll Work for It
When Collis Robinson attended Berea College in Kentucky, he worked typical campus jobs — cleaning restrooms and setting up events. But he also worked jobs students don’t usually do, including comptroller for the campus activities board and, as a senior, student director of the board. “I led 22 people and had a $70,000 budget to manage,”... Anna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. The article These Colleges Will Pay Tuition, but You’ll Work for It originally appeared on NerdWallet. [...]
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5 Great Ways to Use the AmEx Business Platinum Welcome Offer

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5 Great Ways to Use the AmEx Business Platinum Welcome Offer
For a limited time, the The Business Platinum® Card from American Express has an increased welcome offer for new cardholders: Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 50,000 points after you spend an additional $15,000 all on qualifying purchases within your first 3 months of Card Membership. Terms Apply. While... Caroline Lupini is a writer at NerdWallet. Email: travel@nerdwallet.com. The article 5 Great Ways to Use the AmEx Business Platinum Welcome Offer originally appeared on NerdWallet. [...]
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*HOT* Hulu Black Friday Deal | Get a year of Hulu at just $1.99 per month!!!

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*HOT* Hulu Black Friday Deal | Get a year of Hulu at just $1.99 per month!!!
This post may contain affiliate links. Read my disclosure policy here. Whoa! Don’t miss this HOT Hulu Black Friday Deal! Yay!! The HOT Hulu Black Friday Deal is back again this year! When you sign up for a year of Hulu as a new customer, you’ll pay just $1.99 per month! This is a savings of $4 per month, so an annual savings of $48! Note: This deal is only valid on the cheapest version of Hulu that is regularly $5.99/month. It does NOT include commercial-free or live tv options. Go here to sign up for this HOT deal! [...]
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Will SoftPoS be the new global payment mechanism?

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Will SoftPoS be the new global payment mechanism?
SoftPoS stands for Software Point of Sale. If you lived in parts of the world outside of the US, you would have come across contactless payments. It made the payment experience seamless and almost invisible to the customer. As a result, in the UK for instance, by Q4 2018, contactless payments took over chip and […] The post Will SoftPoS be the new global payment mechanism? appeared first on Daily Fintech. [...]
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Apple Airpods with Charging Case for just $134 shipped!

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Apple Airpods with Charging Case for just $134 shipped!
This post may contain affiliate links. Read my disclosure policy here. If you’ve been wanting Apple Airpods, don’t miss this Black Friday Deal! Amazon has these Apple Airpods with Charging Case for just $134 shipped! This is just $5 more than the lowest Black Friday price we’ll see at Walmart ($129). So if you want to avoid the rush and just go ahead and grab them now, this is a really nice price! Sign up for a free trial of Amazon Prime to get guaranteed FREE two-day shipping (and possibly one-day or same-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 Black Friday Deals? You can go here for all of the best online Black Friday Deals as we live blog them all week long! Also, be sure to sign up for our Hot Deals newsletter and join our Deal Seekers Facebook group so that you don’t miss out on any of the hottest, time-sensitive deals as soon as they go live throughout the rest of the holiday season! [...]
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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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How to Create an Amazing Life on a Single Mom Budget

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How to Create an Amazing Life on a Single Mom Budget
When Christina Rodriguez divorced four years ago, she had no idea how she was going to make ends meet. After all, during her marriage, she earned $38,000 per year as a visual designer, and even with her husband’s income, the couple lived paycheck-to-paycheck and accumulated tens of thousands of dollars in debt. Rodriguez’s share of credit card debt was $10,000.  “Here I was struggling with two incomes, and now I was on one income,” says the 35-year-old mom of two. “It was scary.”  Like so many people, Rodriguez stayed awake at night, worried what she might do should she need to replace her car, especially if her credit were poor because of her debt burden. She spent her energy juggling bills and minimum credit card payments, barely staying afloat.   “I realized, ‘I can’t live like this. My children don’t deserve to live their life like this’,” Rodriguez says. “It was about figuring out how I could get to a place where I would truly feel free.”  Fast-forward four short years, and Rodriguez is debt-free, invested $22,000 in a home purchase and remodel, counts $7,000 in cash savings, and has increased her annual income from $38,000 to $128,000.  Themes of Rodriguez’s success story:  Cut back all extra expenses and focus on paying off debt. At the time of her breakup, Rodriguez had $10,000 in credit card debt. She also had a new, tricked out Chevy Malibu and regularly got her hair and nails done. “That was a huge part of my identity,” she says. “But it wasn’t more important than my kids having food on the table.”  Think big! You can only cut so many costs, but your income potential is infinite. “I realized I was taking on jobs that paid $300 or $400. Why wasn’t I taking on jobs that paid $3,000 or $4,000?” she says. “When I realized my time and skills are valuable — that is when everything changed for me.”  Put a dollar value on your time. Rodriguez’s income ballooned when she stopped taking low-paid side gigs, and started investing without guilt in child care and housekeeping.   Splurge on experiences, not possessions. Christina could easily afford to upgrade her Nissan Rogue, but chooses instead to travel with her kids. “My daughter says: ‘More meetings means more vacations!’” Rodriguez says.   Focus on setting up a life within her control. Rodriguez’s worries included rent increases, job instability, financial instability, depending on her kids’ dad, and a long commute which took her away from her children during the week. “I realized that the kids could only depend on me,” she says. Her focus on home ownership, high earning and self-employed income and a job close to home helped her regain power.   At the time, her budget breakdown was:  Rent $825  Car payment $450  Car insurance $155  Electric $130  Internet $65  Phone $125  Childcare $250 (her half)  Plus food, gas, entertainment etc  Credit card minimum payments $125   Nails and hair $75   Subscription services $8  Cable TV $149 monthly  Private school tuition $480 monthly  Upon her divorce, Rodriguez cut her cable, subscription services, nails and hair, and downgraded to less expensive car.   She then focused on both paying off debt and earning. Rodriguez got a new job where she earned $45,000 per year, and also built up her side business doing freelance graphic design work, carefully selecting jobs that paid a high hourly fee, and helped her reach her goals. “I only work side jobs that meet a specific goal financial goal, because if I was going to dedicate time away from my kids it has to be with purpose,” she says.  A couple years ago, Rodriguez saved up $15,000, quit her full-time job, and focused narrowly on building her design portfolio. Then, a local health care company near her Kissemmee, Fla., reached out via LinkedIn, and offered her a new job. Today, Rodriguez earns $77,000 salary, plus an annual bonus of $5,000, and last year her side business grossed $46,000, bringing her income to $128,000.    One of the biggest changes Rodriguez made with her new financial status is buying a 2,300-square-foot home in a gated community. She also purchased a 20-year, $250,000 term life insurance policy, and focuses on travel. She is looking forward to a trip to Paris soon, and she and her grade-school-aged son and daughter are 5 states into their goal of visiting all 50 before the kids graduate.   Rodriguez also hires a housekeeper twice per month — without any guilt at all.   Today, Rodriguez’s budget:  Mortgage, taxes and insurance $1471  HOA $216  Car payment $311  Car insurance $155  Electric $100  Water $49  Internet and cable $125  Phone $120  Disney annual passes $138  Childcare $340  Life insurance $38  Cleaning service $140  Says Rodriguez: “I’m still really frugal. But living a budgeted life works for me. I know where every penny goes and that allows for more opportunities, to make more memories. It also allows me to spend without buyer’s remorse. I think the best feeling though comes from teaching my kids about smart financial decisions like my parents did with me.” The post How to Create an Amazing Life on a Single Mom Budget appeared first on MintLife Blog. [...]
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Own Your Solo Act with These Financial Tips for Singles

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Own Your Solo Act with These Financial Tips for Singles
It’s all on you. When you’re single, you don’t have a spouse helping you pay bills or a partner nagging you to spend less and save more. How much money you make and what you do with that cash is up to you alone … and only you deal with the repercussions of your financial mistakes. To live your best life as captain of your own ship, you’ve got to commit to making the right choices. Here are 11 financial tips for singles to heed. 1. Build an Emergency Fund An emergency fund is your safety net when something goes wrong. It’s especially important to have a robust emergency fund as a single person because you don’t have someone else’s savings or salary to tap into if your car breaks down or you get laid off from your job. The common recommendation for an emergency fund is to have three-to-six months worth of expenses saved, but if you’re starting from scratch, develop a smaller-scale goal and work your way up to that amount. This guide on how to start an emergency fund can help. Pro Tip Prioritize your savings by paying yourself first. Setting money aside in a savings account when you get paid. By not letting it sit in your checking account, you’re less likely to spend that cash. 2. Save for Retirement The downside of being single: You don’t have a partner helping you add to your retirement accounts. The upside: You only need enough savings to support one person in retirement, not two. Regardless of your relationship status, contributing to a 401(k) or IRA early and often can help you build a comfortable nest egg for your golden years. We break down how to save money for retirement at various stages of life. 3. Create a Budget When your money isn’t merged with a significant other, you don’t have to worry about anyone questioning your spending decisions. Want to drop $300 on a pair of new shoes? Who’s going to tell you no? But just because you don’t have to answer to anyone doesn’t mean it’s okay to spend without a plan. That’s where having a budget comes in. Your budget will show you if you have enough funds to buy those pricey shoes or if that purchase would derail paying the bills on time. If you’re among the many, many Americans who aren’t in the practice of budgeting, check out these tips on how to budget as a beginner. While you’re establishing your various budget categories and spending limits, make sure to include room for a little fun money. It’s hard to stick to a budget that’s too restrictive and leaves you feeling deprived. 4. Stop Being Loyal to Service Providers You’re a free agent when it comes to dating whoever you want. Applying a similar mindset when it comes to service providers — like your cell phone company or car insurance provider — can help you save money. You don’t have to stay tied down to who you’re with today. Check rates and offers from competing service providers to see if you can get similar service for less. If you’re under contract with your current provider, ask the competition if they’ll pay the fee for you to jump ship. Another option: If you’re satisfied with, say, your internet service but find another company is offering lower rates, use that as leverage to negotiate a better price with your provider. Some companies will meet a competitor’s rate to avoid losing a good customer. 5. Vet Potential Roommates Carefully Taking on a roommate can be a great way to reduce housing expenses. But if your roommate ends up being a bum who’s always late with the rent, you’re in for a heap of trouble. Save yourself the headache and do your due diligence ahead of time by asking these screening questions for potential roommates. Pro Tip If you want the social and financial benefits of roommates without being on the hook if they’re short on rent, consider getting an individual room in a coliving space, like this woman did. 6. Embrace Meal Planning When you just have to worry about feeding yourself, it’s oh so convenient to order something on Grubhub or UberEats and call it a night. But do that multiple times a week and the expenses add up quick. Cooking at home is a more economical solution. When you meal prep, you can save time and money. Cook multiple servings of staples like chicken, rice or potatoes and wash and chop veggies in advance so you can quickly pull meals together throughout the week. Avoid prepping too far in advance, though, so your food doesn’t spoil. Meal planning also works for snacks too. Buy a bulk bag of your favorite munchies and divvy it into individual portions instead of spending more on a bunch of snack-size packages. 7. Be Mindful of Lifestyle Inflation When you get a big raise or unexpected windfall of cash, it might be tempting to go into treat-yourself mode. A new wardrobe. The latest iPhone. Weekly spa treatments. But you shouldn’t give into lifestyle inflation without being prudent and addressing things like debt and saving for retirement.  Does that mean you have to keep that ratty futon from college instead of buying a real couch because you’re still paying back student loans? Not exactly. It just means budget your extra money so you increase your student loan payments and have cash for that furniture upgrade. FROM THE SAVE MONEY FORUM What gadgets have you purchased that you felt really saved you money? 2/11/20 @ 12:05 PM How I save money on pest control 2/4/20 @ 8:50 PM Financial Fitness February: Day 4 (And a Money Saving Tip) 2/5/20 @ 5:05 AM Extreme Couponing Tips to Add More Money Into Your Wallet 2/4/20 @ 12:20 PM See more in Save Money or ask a money question 8. Get an Accountability Partner for Debt Payoff Motivation Paying down debt can be a tedious process. It can help to have someone on your side, keeping you encouraged and steering you back on course when you struggle. An accountability partner does just that. Choose a friend or family member you can confide in about your goals and challenges. Your accountability buddy should be someone who’s not afraid to give you tough love when you need it but who’ll also be your cheerleader throughout your debt payoff process. 9. Have Multiple Sources of Income Losing your job or having your boss cut your hours can be financially devastating when you’re single. Having additional streams of income can ensure you still have money coming in if something happens to your main job. Consider picking up a side hustle, getting a second job or starting an entrepreneurial pursuit. Looking for a way to make more money? You could work from home. We post new job opportunities every weekday. Though you’ll boost your bank account, it requires a bit of juggling to manage more than one job. This woman shares her advice on balancing a side gig with full-time work. 10. Consider if You Need Life Insurance Being single you might think, why would I need life insurance? To be honest, paying into a life insurance policy may not be a priority for you. But if you have kids or have a loan that someone co-signed, getting a life insurance policy is a smart choice. You might also consider getting a policy if you’re a business owner or want to leave something behind for your loved ones. Here’s a run down of the types of life insurance and the best life in [...]
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HELOC: Understanding Home Equity Lines of Credit

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HELOC: Understanding Home Equity Lines of Credit
  A home equity line of credit, or HELOC, is a second mortgage that gives you access to cash based on the value of your home. You can draw from a home equity line of credit and repay all or some of it monthly, somewhat like a credit card. With a HELOC, you borrow against your... The article HELOC: Understanding Home Equity Lines of Credit originally appeared on NerdWallet.   [...]
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How to Build a Backpacking Trip on the Cheap

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How to Build a Backpacking Trip on the Cheap
You might be looking at your belongings in your new backpack and the balance in your bank account with the same question: Is this enough for the weeks- or the monthslong journey ahead? In all likelihood, you overpacked and you’ll ditch half of it at the next hostel. Then, a week into your life-changing trip, you’ll realize... Meghan Coyle is a writer at NerdWallet. Email: mcoyle@nerdwallet.com. The article How to Build a Backpacking Trip on the Cheap originally appeared on NerdWallet. [...]
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Afternoon Deals: Saturday, September 28

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Afternoon Deals: Saturday, September 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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These 9 Free TV Apps Let You Watch Your Favorite Shows — Without the Bill

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These 9 Free TV Apps Let You Watch Your Favorite Shows — Without the Bill
As cable subscription prices rise higher and higher and customer satisfaction ratings dive lower and lower, cutting the cable has never been more popular.  Sure, there are the usual big names in streaming services available for a monthly fee, but it’s possible to kick subscription fees entirely. Luckily, there are more options than ever for replacing your traditional cable setup.  Many free streaming services have stepped up to offer access to content overlooked by subscription-based services.  Of course, there are some rather shady options out there that stream pirated content. But there are plenty of free, legal streaming apps that provide no-strings-attached cable cutting solutions. 9 Free TV Apps That Will Help You Cut Cable Check out these free TV apps that will help you cut the cord but still let you enjoy your favorite TV shows. 1. Crackle Crackle is one of the go-to names not just in free streaming but in streaming video in general. The cost-free service has a variety of content, ranging from classics like “Bewitched” and “All in the Family,” as well as the newer “Snatch” series. It also has hundreds of films from major studios.  For a free streaming service, Crackle’s library is truly impressive. Crackle even has a handful of original series to its name. Best of all, Crackle works on nearly all mobile devices, streaming boxes, and smart TVs. 2. Tubi TV Tubi TV has deals with major studios like Paramount Pictures, Metro-Goldwyn-Mayer (MGM) and Lionsgate. It also features lots of foreign and independent productions.  Tubi TV’s library is updated regularly, and the service claims to add new content every week. The Tubi TV app works on Android and iOS devices, Roku, Apple TV, Xbox, Samsung Smart TVs and Amazon Fire TV. To be honest, when I first heard of Tubi TV, I was skeptical because I always viewed apps like it as having the movies no one wanted to see. However, I was pleasantly surprised — the library is solid. Since the service is ad-supported, you can expect to watch a couple minutes of ads every ten minutes or so. The experience is pretty similar to watching normal television.  3. Pluto TV Pluto TV stands out in the free streaming crowd in that the service offers channels of linear content much like a cable package. There are dozens of movie channels, sports channels, news — and even some highly curated streams of niche content.  Pluto TV boasts a large list of supported devices including iOS and Android devices, Amazon Fire TV, Roku, Apple TVand Chromecast devices and Android TV.  Like Tubi TV, Pluto TV has advertisements. It’s pretty similar to the ad load of normal TV.  4. NewsON Streaming video isn’t always just about entertainment. For the more serious-minded cord-cutters out there, the NewsON app provides hundreds of local and national news streams.  Both live and on-demand news broadcasts can be streamed from over 275 local news affiliates in 160 markets. The broadcasts are available for up to 48 hours after they air.  Users can then select which news segments they want to watch from categories like sports, weather or entertainment. NewsON is compatible with iOS and Android phones and tablets, as well as Roku. I find NewsOn particularly useful when I don’t want to deal with hooking up an antenna. As far as local programming is concerned, the news is really all I need.   FROM THE SAVE MONEY FORUM What kind of store bought pizza is almost or as good as pizza chains? 12/27/19 @ 9:06 PM M Saving for and with grandchildren 12/23/19 @ 6:52 PM M What has been your money epiphany? 2/22/19 @ 10:59 AM Saving money 2/8/19 @ 6:59 AM M See more in Save Money or ask a money question 5. Funny Or Die Funny or Die is without a doubt the go-to streaming app for comedy programming. Founded in 2007 by contemporary comedy giants Will Ferrell and Adam McKay, it has since grown to be a full-blown production house featuring original content from some of the biggest names in show business. It also has syndicated content In 2018, the platform began publishing on Vox Media’s Chorus and now uses the YouTube Player. Content on the app must be streamed and cannot be downloaded.  As for my personal experience, I’ve honestly spent quite a bit of time laughing my butt off at the videos. Funny or Die is easy to use and great for finding new hilarious content. 6. PBS Kids Kids need free streaming content, too. Luckily, PBS has a PBS Kids Video app that provides hundreds of hours of educational and enriching content just for the youngest members of any family. The app has a colorful, child-friendly interface, which makes it easy for kids to take control themselves.  Videos from many of PBS’s most popular series are available for streaming including “Curious George,” “The Cat in the Hat Knows a Lot About That” and “Sesame Street.” The PBS Kids app is supported for Android, Windows and iOS phones and tablets.   7. Crunchyroll Anime and manga fans are likely already familiar with Crunchyroll. The sushi-inspired name stems from the fact that Crunchyroll specializes in mostly Japanese content, but it also features films and series from all over the world. Crunchyroll boasts a library of thousands of anime films and series, many of which are hard to find on other streaming services.  There is a paid premium feature, but the free Crunchyroll service has thousands of hours of popular series like the “Dragon Ball” franchise, “Attack on Titan,” “Naruto” and “One Piece.” The Crunchyroll app is supported by Apple, Android and Windows mobile devices, as well as by gaming consoles, Chromecast, Apple TV and Roku.  Crunchyroll is a great app for anyone with an interest in anime. Of course, when it comes to anime content, you have to be watchful with your younger children, as a lot of it is geared towards teens (and sometimes even adults).  8. Twitch For anyone with even a passing interest in gaming and esports, Twitch is the go-to free streaming service.  Twitch hosts user-created channels and streams focused on video games and other esports. It features a built-in chat feature, so users can chat with other streamers in real time.  While there are thousands of free streams, Twitch also features premium features for a monthly subscription. Twitch apps are compatible with PCs, iOS and Android devices, game consoles, Chromecast and Fire TV. While Twitch is popular with children, parents should beware: Twitch streams are somewhat unregulated and can sometimes contain adult language or content. 9. YouTube Yes, YouTube. No list of cost-free streaming video services would be complete without it. YouTube apps are compatible with just about every device out there that has a screen, and the service features videos to choose from on nearly any topic imaginable.  Most of those videos are not exactly premium content, but there are still plenty of full-length films, documentary series and curated channels that provide cost-free entertainment for the whole family.  While there are ways to download YouTube content for offline viewing, proceed with caution: Many of these sites and apps are full of malware. With so many free streaming options out there, it’s easier than ever to cut the cord an [...]
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5 Things to Do When You Get the Bank of America Premium Rewards Credit Card

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5 Things to Do When You Get the Bank of America Premium Rewards Credit Card
You’ve applied for the Bank of America® Premium Rewards® credit card and were accepted. Once you receive it in the mail, what should you do next? 1. Plan your next vacation over dinner Cardholders receive 2 points per $1 on travel and dining and 1.5 points per dollar on other spending. Enjoy a leisurely dinner... Amanda Johnson is a writer at NerdWallet. Email: travel@nerdwallet.com. The article 5 Things to Do When You Get the Bank of America Premium Rewards Credit Card originally appeared on NerdWallet. [...]
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12 Ways to Get Cheap Photo Prints

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12 Ways to Get Cheap Photo Prints
This post may contain affiliate links. Read my disclosure policy here. Looking for the best online photo printing deals? If you love to order prints online but hate paying full price, check out these tips for getting cheap photo prints! {Looking for all the latest photo deals? Go HERE.} Reader Kara wrote in with this great question: “Hello, I was wondering what is the least expensive way to print pictures? I used to wait until Shutterfly did their free prints deals but last time I did that it seemed that their shipping fees had gone up. Any other suggestions?” How to Get Cheap Photo Prints I know many of you are probably like Kara and on the hunt for cheap photo print deals! So I decided to take this question to the readers on our Facebook page to see what their best tips were (thank you to those of you who commented!). They came up with a lot of great suggestions, but these were the top companies! Before you go to order prints online, be sure to check out these tips for getting cheap photo prints: 1. Shutterfly While shipping costs have gone up slightly over the years, Shutterfly is still a go-to option for discounted photo prints because of the amount of coupon codes they offer on a regular basis. In fact, Shutterfly regularly offers free print deals to new and established customers. New customers receive 50 free prints and select free products when they sign up. Shutterfly also has prepaid print plans that can give you photos for just 9 cents each. To keep shipping costs lower, try ordering 95 prints when a free print deal is going on. The shipping fees can be up to $4.00 less by simply decreasing your order by a few prints. Or, consider doing in-store pickup instead. During the checkout process, click the “1-Hour Pick Up Available” link under eligible 4×6 prints to search for your preferred local Target, Walmart, or CVS store by zip code. The Shutterfly app offers unlimited free 4×6 and 4×4 prints. You only have to pay for shipping. The app also regularly offers free deals and you’re able to edit within the app. 2. Snapfish Snapfish offers standard 4×6 prints starting at 9 cents each, plus shipping. They regularly offer free and discounted print deals to new and established customers. New customers receive 100 4×6 prints when they join. Sometimes they even offer deals where you can get FREE prints with FREE shipping! If you choose to pick up your prints in-store from participating CVS or Walgreens stores, you can see the cost difference on the order screen. For instance, you can get up to 49 prints from CVS at 29 cents each. If you get 50 or more prints, the price goes down to 19 cents apiece. It might end up being cheaper to choose this option instead of paying for the 9 cent prints plus shipping. The Snapfish App gives you 100 free prints each month for the first year you sign up with the app. You only have to pay for shipping and one reader reported her shipping was only $2.95. Shipping costs may vary according to where you live. You can edit photos within the app and see how they will print. 3. Amazon Prime Photos Amazon Photos offers 4×6 prints for 9 cents each with free shipping. Members receive 5 GB of storage free but after that, you’ll need to choose a digital storage plan. If you’re a Prime member, you get unlimited storage for free! They do occasionally offer free prints. Note: If you’re not a Prime member, you can sign up for a FREE 30-day trial! 4. FreePrints App Customers receive 85 free 4×6 prints per month and only need to pay for shipping. You can get up to 1000 free prints in a year! If you need more than 85 prints, you can pay for those. Shipping starts at $1.99 and is never more than $9.99 no matter how many prints you order. There’s also a FreePrints Photobooks app, which will give you one free photo book per month. There are not subscriptions and no commitments. 5. Walmart Walmart offers 9 cent 4×6 prints for home delivery, plus shipping. If you do the 1-Hour Rollback option in the store, it’s 25 cents per print for 74 photos or less and then 15 cents apiece for 75 photos or more. They offer free shipping on orders over $25. 6. Adoramapix Readers really loved Adoramapix’s photo quality, especially for photo albums. 4×6 photos are currently 29 cents each and economy shipping is $5.95. (See their price list.) They also offer a full range of photo sizes so keep them in mind if you need a non-standard print. You can sign up for special deals on their website. And if you’re a new customer, you can get 15% off your first order with coupon code Pixnew15 at checkout. They also have an app for Apple products. 7. Mpix People who prioritize photo quality will also want to take a look at Mpix, a service even photographers recommend. Readers are impressed with the quality, as well as the care they take in packaging your products. 4×6 prints are 29 cents each. Economy shipping is $3.95. They have a Reward Program where you can earn points toward discounts and special offers with every purchase you make. You can earn 100 points just for signing up for a Mpix account. 500 points can earn you free shipping or a $5 off coupon. 8. Costco Prices start at 17 cents for the first 99 4×6 prints at Costco with warehouse pick-up and decrease to 14 cents for 100 or more prints. 4×6 prints are 9 cents if you opt to have them shipped to the warehouse instead; shipping costs vary but it is free if you opt for standard delivery. 9. Sam’s Club 4×6 photos are 10 cents each for 1 Hour Photo. They are 8 cents each if shipped to your home. They regularly offer special deals and you can upload your photos on their app. New customers get 50 free prints when they sign up for an account. 10. Walgreens The first 74 4×6 prints from Walgreens are 33 cents each. 75 or more prints are 23 cents. The price is the same for in-store pickup and mail delivery. Standard shipping costs start at $0.99 and go up to $5.89. Many readers report they’ll place their order through the app or website and pick it up at the store an hour later or at their convenience instead of having it shipped. Customers can sign up to receive special deals by email. The Walgreens app allows you to print the photo off your phone. Readers report they regularly receive free print and coupon deals, along with earning Balance Reward points. One reader went so far as to say she’s saved more money than she’s spent! 11. CVS As a competitor of Walgreens, they have a very similar pricing structure. The first 74 4×6 prints from Walgreens are 33 cents each and 75 or more prints are 23 cents. 12. Groovebook Groovebook is a unique option that lets you create a 4×6 “photo book” with between 40-100 pictures each month. The photo are perforated, so you can tear and share them just like regular photo prints. Subscriptions cost $3.99 per month — so it’s like paying just under $0.04 per print! You can get your first Groovebook for FREE with code MYFREEBOOK at checkout. If you have fewer than 100 photos that month, they’ll fill the rest of the book with duplicates. The app seamlessly integrates with the photos on your phone and is available for iPhone and Android. I’ve heard from a lot of people who use and love Groovebook! Bonus Tip: You might also try your locally owned photography shop, because they typically offer coupons and have some of the best quality around! While this will vary by location, it’s definitely an option to look into! Do you order prints online? What are your best suggestions for getting cheap photo prints and finding the best online photo printing deals? [...]
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Derek Peth of ‘Bachelor in Paradise’: It’s OK to Talk About Money with Friends

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Derek Peth of ‘Bachelor in Paradise’: It’s OK to Talk About Money with Friends
Trying to maintain a social life while still paying the bills? That’s easier said than done. Bar tabs, brunches, vacations and birthday celebrations don’t pay down student loans or help you save for a down payment on a home. If you’re not a careful budgeter, your social spending can even put you behind on rent. But that doesn’t mean you have to isolate yourself. Derek Peth, a financial executive who’s most known for stints on “The Bachelorette” and “Bachelor in Paradise,” suggests the opposite. Becoming more financially intimate — sharing your financial situation with your friends or significant other — can strengthen your relationships while protecting your budget. Peth, a senior vice president at the online lender Laurel Road, told The Penny Hoarder it’s time to remove the taboo around talking about money. “Your finances are a part of who you are,” he said. The people you love should be accepting of that, even if it prohibits you from going out and spending money as often as they’d like. Talking about your financial situation, however, doesn’t mean you have to dish out the explicit details of how much you make or how much debt you have to an acquaintance or someone you just started dating. Instead, Peth suggests sharing your goals and limits.  “You can say something like, ‘I’ve got a lot in student loans. I’m really trying to focus on that and my goals right now, and I’m kind of limited on what I can do. Here’s my limits,’” he said. “You don’t necessarily [have to] put numbers behind it, but at least start having the conversation.” While you’re being more open about your money situation, make sure to share your financial wins too. Paying off $10,000 of your student debt is worthy of the type of celebration you’d have if a friend was turning 30, Peth said. “Achieving something like paying off a large amount of debt and then celebrating it in a fun way is something that we should do more of,” he said. When you don’t have as much disposable income as your friends, it can be disappointing to say no to an invite. “FOMO is a real thing,” Peth said. True friends should accept the occasional “no thanks, I can’t make it” reply. If someone is constantly trying to push you outside your financial comfort zone or can’t accept your explanations as to why you can’t afford going out every weekend, Peth said it may be time to re-evaluate the relationship. “You don’t want to be begrudgingly doing something and you also don’t want to — if you’re real friends — be guilt-tripping someone into doing something either,” he said. FROM THE BUDGETING FORUM Have you tried the Zero Based budgeting method? 6/7/19 @ 1:58 PM Money management in general 9/17/19 @ 12:59 PM J Out on sick leave 9/19/19 @ 5:48 PM See more in Budgeting or ask a money question To avoid some of these situations, Peth advises taking the lead and being the one to plan the outing. You can come up with something enjoyable that doesn’t involve spending a bunch of money, like a backyard barbecue or a picnic where everyone chips in and brings a dish. Living in New York, Peth said some of his favorite things to do are hanging with friends on a rooftop or in Central Park, which are very low-cost. When it comes to dating, Peth suggests taking a note from the Bachelor franchise — with adjustments to fit your budget, of course. “There are multiple layers to their big dates,” he said. “Although they’re crazy expensive, you can start out somewhere that’s got nice drinks, grab one there, walk to another place that’s maybe lower cost to get tacos together and just laugh and chat, and then go through a final walk through some park.” Adding layers to a date involves a little more effort than just making reservations at a restaurant. Peth said it shows you value spending time with that person, and the change of scenery helps break up some first-date awkwardness.  “The first time you’re meeting somebody, mix it up a little bit,” he said. 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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8 Surprising Facts You Didn’t Know About Black Friday

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8 Surprising Facts You Didn’t Know About Black Friday
You may be a veteran Black Friday shopper with the inside scoop on the greatest deals and strategies — but how much do you really know about the day itself?  For example, can you name which generation goes nuts on Black Friday? Or how Black Friday really got its name? Knowledge is power, so we’ve rounded up eight of the most interesting Black Friday facts and shared them below. 1. More Than 50% of Americans Shop on Black Friday Sure, you knew Black Friday was popular, but did you know it was this popular? Last year, 165 million people shopped during Black Friday weekend (which lasts from Thanksgiving Day through Cyber Monday). That’s roughly half of all Americans.  Wondering how to stay sane amidst the hustle and bustle? Think ahead and develop a plan of attack — bonus: Strategizing can also help you avoid holiday debt.  2. Black Friday Can Be Deadly You may have joked about toy rage and trampling before, but the scary, sad fact of the matter is people actually have died shopping on Black Friday.  In the past 12 years, 12 deaths and 117 injuries have been attributed to Black Friday, Black Friday Death Count reports.  If you’re nervous about battling it out in the stores, then Cyber Monday might be more your scene. 3. The Day Owes Its Name to Philly Cops  You probably heard “Black Friday” originated from an accounting term: the day retailers’ profits finally went into the black.  But, the name really came from Philadelphia cops who were frustrated with traffic and smog caused by the mass of shoppers. Retailers didn’t like the negative connotation, so they spread the accounting rumor.  4. The Average Shopper Spends More Than $300 Can you believe it? Shoppers spent an average of $313.29 on their Black Friday shopping last year, according to a survey from the National Retail Federation.  Don’t let your holiday shopping get out of control: Create a holiday budget before doing anything else.  5. Black Friday Might Not Be the Cheapest Day of the Year Eek! You’ll find plenty of bargains on Black Friday, but don’t automatically assume everything is at its lowest price.  The cheapest day of the year may be later in the holiday shopping season. Before you buy, check out our comprehensive guide for the best time to buy just about anything. 6. Millennials are the Biggest Black Friday Shoppers Would you have guessed millennials are the generation most devoted to Black Friday? We wouldn’t have.  Technically, the group that spent the most were older millennials and younger Gen X-ers (35-44 years old), who spent an average of $413.05 last year.  That probably shouldn’t come as too great a surprise, since that’s also prime parenting age for younger children. Consider a new, budget-friendly tradition this holiday season: the four-gift rule. 7. It’s the Busiest Day of the Year for Plumbers It may no longer be the busiest day of the year for retailers, but Black Friday still reigns supreme for another industry: plumbing. “Often, the case is that a house already has partially clogged drains that go unnoticed, until holiday guests arrive and overwhelm the system,” explains Roto Rooter. Want to earn money on Black Friday, instead of spending it? Advertise your handyman services in the weeks leading up to the holiday.  8. Most Shoppers Actually Stay Home If you only go for the bargains — and not for the Black Friday experience — you might as well stay home and shop online.  Last year, 41.4 million shoppers said they bought exclusively online, compared to 34.7 million who said they patronized brick-and-mortar establishments only.   Susan Shain is a contributor to 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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This Week in Fintech 7th February 2020

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This Week in Fintech 7th February 2020
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15 Purchases That Make Life Easier After 50

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15 Purchases That Make Life Easier After 50
Life gets better as we get older. It may sound trite, but it’s true. As the pressures and insecurities of youth fade, we can finally relax, comfortable in our own skin, and enjoy the simple pleasures and joys of daily life. But it’s silly to deny that as we move into the “back nine” of our lives, we might slow down a bit. Perhaps it’s not quite as easy to open that... [...]
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*HOT* Get $10 worth of e.l.f. beauty products for FREE after rebate!

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*HOT* Get $10 worth of e.l.f. beauty products for FREE after rebate!
This post may contain affiliate links. Read my disclosure policy here. If you love e.l.f. cosmetics, don’t miss this HOT deal! Yay! This RARE and POPULAR offer is back for a limited time only! Top Cash Back is offering a $10 rebate on ANY $10 purchase at e.l.f., making it free! This is for new Top Cash Back members only. If you are already a member, you are allowed to sign up another adult in your household. Here’s how to get your free e.l.f. goodies: 1. Sign up for a new Top Cash Back account here. 2. Head here for the special e.l.f. offer. 3. Make a purchase valued at $10 or higher. 4. Within 14 days, your Top Cash Back account will be credited with $10 — enough to cover your purchase! 5. After you receive the $10 payment in your Top Cash Back account, you can choose to transfer it to your bank account or request a Paypal payment. This deal is valid through December 31, 2019 — or while supplies last. [...]
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This Week’s $70 Grocery Budget (+ our menu plan!)

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This Week’s $70 Grocery Budget (+ our menu plan!)
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. Note: Some of the links in this post are affiliate links and we will be compensated if you click through and sign up. Read our disclosure policy here. I was excited about the Buy 5, Get $5 Off Sale that Kroger was running this week! Barbecue Sauce for $0.49 — no coupon needed? Sign me up! I was sad to find that my store was completely sold out of the Pancake Mix that was on sale for just $0.99. But I still have three boxes of pancake mix that I got on sale/marked down, so I can totally wait for another sale! Here’s what I got at Kroger on Tuesday (I especially excited to finally find another markdown on eggs again!): Kroger Shopping Trip #1: Chex cereal — marked down to $0.69 5 dozen cage-free brown eggs — marked down to $0.99 each 2 Moose Tracks yogurt — marked down to $0.25 each 2 Simple Truth yogurts — marked down to $0.49 each Simple Truth Organic Maple Syrup — $3.99, used $1/1 Kroger digital coupon = $2.99 2 boxes Kroger Raisin Bran — $1.49 each Hillshire Farm ham — marked down to $2.19 Hillshire Farm brats — marked down to $1.49 each 3 Bountiful Salad Kits — marked down to $1 each 2 pounds Private Selection Ground Beef — marked down to $3.79 each 1 bag of onions — marked down to $0.99 Vitamin D milk — $2.69 Huggies baby wipes — $0.99 when you buy 5 participating items, used $0.50/1 Kroger digital coupon = $0.49 2 bottles Kraft barbecue sauce — $0.49 each when you buy 5 participating items Suave Kids’ Shampoo — $1.99 each when you buy 5 participating items, used $1/1 Kroger digital coupon = $0.99 2 Speedstick deodorant — $0.99 each when you buy 5 participating items Sara Lee whole wheat bread — $1.49 when you buy 5 participating items Tropicana Probiotic — marked down to $1.29 Bear Naked Granola — $2.49 when you buy 5 participating items, used $3/1 Kroger digital coupon = free after coupon Stayfree pads — $1.99 when you buy 5 participating items, used $2/2 Kroger digital coupon = $0.99 after coupon Total with tax: $44.06 Need an end of year Teacher Gift? Here’s a great idea! Asheritah wrote in and said: “I made your chocolate chip cookies today for my preschooler to take to school. They’re DELICIOUS! I feel like I’m #winning at this mom thing… at least for a nanosecond out of my day.” (By the way, here’s the free label she used.) Did you see my post on 5 Things You Should NOT Buy at Aldi? By the way, the marked down Lentil Salad I got above was kind of blah and I wouldn’t buy it again. I was super stoked that Kroger had a weekend sale on butter! We had just ran out of the butter I bought in the last sale! Did you get your free Core Hydration Water at Kroger? Kroger Shopping Trip #2: 2 bags of peppers — marked down to $0.99 each 1 bag of oranges/lemons — marked down to $0.99 each 1 bag of oranges — marked down to $0.99 2 tubs of salsa — marked down to $0.50 each 1 bottle of organic carrot juice — marked down to $1 Core water — FREE King’s Hawaiian Rolls — marked down to $1.79 5 jars of Prego — $0.99 each with Friday-Saturday special deals 5 pounds of butter — $1.99 each with the Friday-Saturday special deals Total with tax: $24.07 We kicked off 100 Days of Summer Fun on Saturday with walking to Sonic. Our goal is to do some simple family fun activity every day for the next 100 days. If you want to join us, you can follow along with my Instagram stories where I’ll be documenting what we do each day. (And if you want to join us, I’d love for you to share your family fun on Instagram or Facebook and tag me (@themoneysavingmom) and use the hashtag #100DaysofSummerFun.) 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. Our Menu Plan Breakfasts: Cereal, Oatmeal, Scrambled Eggs, Toast Lunches: Peanut Butter & Jelly Sandwiches, Carrots, Oranges, Salads, Leftovers, Cookies Snacks: Fruit, Peppers, Popcorn, Ice Cream, Hard Boiled Eggs Dinners: Sunday — Leftover ziti, Bread Machine Buttery Rolls, salad, peas Monday — Leftovers (We apparently made way too much for when we had guests over on Saturday night! Hey, at least it meant I got two nights off from cooking!) Tuesday — Corn bread, ground beef with tomatoes and onions, fruit Wednesday — Leftover corn bread with chili and cheese Thursday — KFC Friday — Breakfast for dinner: pancakes, sausage, fruit Saturday — Leftover pancakes and sausage, frozen pizza + we walked to Sonic and the kids got drinks and chili dogs Grocery Budget Totals Total spent on groceries: $68.13 Cashback earned this week: 136 points for submitting my receipts to Fetch rewards + $0.20 for submitting my receipt to iBotta rewards. [...]
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FINRA Warns Investors of Potential Stock Fraud in Wake of Hurricane Dorian

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FINRA Warns Investors of Potential Stock Fraud in Wake of Hurricane Dorian
The Financial Industry Regulatory Authority (FINRA) recently released an investor alert cautioning investors of potential stock fraud in the wake of Hurricane Dorian. FINRA noted that financial fraud and potential investment scams regularly follow a natural disaster. Such scams can take the form of unsolicited phone calls, emails and texts about investments related to the natural disaster. FINRA’s investor alert highlights certain unsolicited communications about investments that exploit the latest natural disaster of which investors should be mindful, including price targets or predictions of exponential growth, pressure to invest immediately and mention of contracts or affiliations with federal government agencies or well-known companies. To avoid potential scams, FINRA advises investors to (1) investigate the relevant investment professionals before investing, (2) find the source of the message, (3) find out where the potential stock trades, and (4) read the company’s SEC filings. A full copy of the investor alert is available here. [...]
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Capital One Spark Miles for Business Adds Precheck/Global Entry Perk

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Capital One Spark Miles for Business Adds Precheck/Global Entry Perk
Capital One is enhancing one of its popular business credit cards with a cardholder benefit that pays for federal trusted-traveler programs aimed at helping flyers get through airport security lines quicker. Learn More Starting May 21, 2019, the Capital One® Spark® Miles for Business will reimburse cardholders for the cost of applying to TSA Precheck or Global Entry programs, which... Gregory Karp is a writer at NerdWallet. Email: gkarp@nerdwallet.com. Twitter: @spendingsmart. The article Capital One Spark Miles for Business Adds Precheck/Global Entry Perk originally appeared on NerdWallet. [...]
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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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Citi to End Price Rewind, Multiple Side Perks Across All Cards

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Citi to End Price Rewind, Multiple Side Perks Across All Cards
Say it isn’t so, Citibank! The issuer is the latest to announce that it’s eliminating a variety of credit card benefits. Perks being discontinued across its lineup of Citi credit cards include Citi Price Rewind, as well as trip cancellation and interruption protection. Depending on what Citi card you have, you could be losing a lot more, too.  The... Robin Saks Frankel is a writer at NerdWallet. Email: rfrankel@nerdwallet.com. Twitter: @robinsaks. The article Citi to End Price Rewind, Multiple Side Perks Across All Cards originally appeared on NerdWallet. [...]
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What Is Student Loan Refinancing, Really?

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What Is Student Loan Refinancing, Really?
It’s understandable if your student loans are taking a backseat to other, more pressing matters, like finding a roommate, saving up for a car or meeting work deadlines. But taking the time to refinance your student loans can potentially save you a bundle on interest over time. If you qualify, refinancing can be a safe... Valerie Lai is a writer at NerdWallet. Email: vlai@nerdwallet.com. The article What Is Student Loan Refinancing, Really? originally appeared on NerdWallet. [...]
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This City Is Best All-Around for Retirees in 2019

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This City Is Best All-Around for Retirees in 2019
Chances are good that — at least once or twice, when the boss wasn’t looking — you’ve had a daydream about the right place to retire. If these musings include visions of mouse ears, you are on the right path, according to WalletHub’s 2019 ranking of the best and worst U.S. cities in which to retire. Orlando, Florida — home to Walt Disney World &#8212. [...]
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NFA Proposes Amendments to Several NFA Rules and Interpretative Notices to Apply to Cleared Swaps

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NFA Proposes Amendments to Several NFA Rules and Interpretative Notices to Apply to Cleared Swaps
On December 3, the National Futures Association (NFA) proposed amendments to various NFA Compliance Rules and Interpretive Notices related to discretionary customer accounts, customer information, risk disclosures and bunched orders to apply to cleared swaps, in addition to other minor amendments. Most notably, NFA proposal would amend the following: NFA Compliance Rule 2-8 to specify that NFA’s requirements for discretionary accounts apply to cleared swaps customer accounts; NFA Compliance Rule 2-30 to expand existing customer information and risk disclosure requirements to apply to cleared swaps; and Interpretive Notice 9029 to expand the scope of the Interpretative Notice to bunched orders involving cleared swaps. NFA also proposed amendments to other applicable Interpretive Notices to integrate the proposal. Absent additional review by the Commodity Futures Trading Commission (CFTC), NFA may establish an effective date for the amendments as early as 10 days after receipt of the submission by the CFTC. A copy of the proposed amendments is available here. [...]
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Gap Factory: Women’s Puffer Vest only $18.39 shipped (Reg. $50!)

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Gap Factory: Women’s Puffer Vest only $18.39 shipped (Reg. $50!)
This post may contain affiliate links. Read my disclosure policy here. These Puffer Vests are perfect for fall and wintertime! Gap Factory has these Women’s Puffer Vests only $18.39 when you use the promo code FRIENDS at checkout! You can also use the promo code SHIPPED to score free shipping! This is regularly $49.99 so this is a fantastic deal. Choose from several color options. Psst! You can also still get this Women’s Hooded Puffer Jacket for just $35 shipped! Thanks, Wear It For Less! [...]
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Brigette’s $87 Grocery Shopping Trip and Weekly Menu Plan for 6

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Brigette’s $87 Grocery Shopping Trip and Weekly Menu Plan for 6
My older sister, Brigette, shares her shopping trips and menu plans every week! You can go HERE to see all of her weekly menu plans and you can go HERE to read all about her family! Aldi 2 bags Riced Cauliflower – $3.78 1 10-lb bag Russet Potatoes – $3.89 1 bag frozen Broccoli Florets – $0.95 1 3-lb bag Sweet Potatoes – $1.55 1 Pineapple – $0.99 2 Avocados – $0.88 1 pkg Zucchini – $1.24 1 Cauliflower – $2.19 1 large tub Organic Spring Mix – $3.49 1 bag Mini Sweet Peppers – $2.49 1 2-lb bag Red Onions – $1.79 3 large Cucumbers – $1.47 1 pkg Baby Carrots – $0.79 1 pkg Vine-Ripened Tomatoes – $1.48 1 pkg Broccoli Crowns – $1.39 1 3-lb bag Pink Lady Apples – $2.79 1 bunch Bananas (3.52lbs @ $0.42/lb) – $1.48 1 pkg Baby Bella Mushrooms – $0.99 1 pkg Artisan Lettuce – $2.39 1 pkg (5.53lbs) Fresh Boneless Chicken Breasts – $8.45 1 jar Extra Virgin Olive Oil – $2.69 1 gallon Whole Milk – $1.45 1/2 gallon 1% Milk – $0.95 1/2 gallon Orange Juice – $1.59 1/2 gallon Unsweetened Almond Milk – $1.69 1 can Whipped Dairy Topping – $2.65 1 24-oz carton Cottage Cheese – $1.59 4 Individual Cartons Flavored Greek Yogurt – $1.96 1 can Parmesan Cheese – $2.29 1 can Baking Powder – $0.99 1 can Garbanzo Beans – $0.48 1 2-lb bag Shredded Mozzarella Cheese – $4.49 2 2-lb bags Shredded Cheddar Cheese – $4.30 1 pkg Flour Tortillas – $0.65 2 boxes Honey Nut Oats – $2.30 1 bag Gluten-Free Pretzels – $1.85 1 box Cheese Crackers – $1.49 1 pkg Plain Rice Cakes – $1.15 2 cartons Egg Whites – $3.18 2 dozen Eggs – $1.78 1 pkg Turkey Pepperoni – $1.99 1 loaf Sandwich Bread – $0.65 1 pkg Hot Dog Buns – $0.59 1 pkg Hamburger Buns – $0.65 Total: $87.87 Grocery Total for the Week: $87.87 Weekly Menu Plan Breakfasts Everyone is responsible for making/cleaning up their own breakfasts. Choices include: Cereal, Oatmeal, Toast, Fruit, Yogurt, Scrambled/Fried/Hard Boiled Eggs, Veggie Omelets Lunches Cheese Quesadillas, Carrots, Apples x 2 Pretzels/Cheese Crackers with Peanut Butter, Mini Peppers, Bananas x 2 Build-Your-Own-Salad Bar, Rice Cakes Leftovers x 2 Dinners Hot Dog Cookout (Church Event – we just have to show up!) Pizza Casserole (recipe from the “Trim Healthy Table Cookbook” – the crust is made from riced cauliflower), Tossed Salad Crustless Ham Quiche, Broccoli, Brown Sugar Biscuit Twists Meatloaf, Baked Potatoes, Pineapple, Parmesan Roasted Cauliflower Healthy Roasted Veggie/Rice Bowl (making a variation of this recipe), Cucumber Salad Oven Baked Chicken Breasts, Quick Garlic Breadsticks, Zucchini Fries, Pineapple Venison Burgers, Oven Baked French Fries, Tossed Salad [...]
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When The Thrill of The Hunt Lands You in a House Full of Clutter

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When The Thrill of The Hunt Lands You in a House Full of Clutter
Guest post from Julianna of The Simplicity Habit: Do you love getting great deals? I do! I’ve always been a frugal person. I was raised in a home where I was taught to budget and manage money well at a young age, and I’ve continued to hone my skills over the years. It’s a running joke with my family that when anyone gets a great deal, they talk about how proud I will be. And I am! I don’t like wasting money nor do I like hearing when other people have spent too much on something. The Thrill Of The Hunt It’s thrilling when I can combine sales and coupons to spend as little as possible. I once went to Kohls and bought 3 pairs of jeans and another pair of pants for a grand total of $1! In case you’re wondering how, they were all 90% off combined with a coupon and a $10 gift card for it being my birthday month… and yes, I saved that receipt like it was a trophy. Clutter Accumulation While I still enjoy the thrill of the hunt and pride myself on finding deals, I realized these deals came at a cost. I’d buy things I didn’t truly love or even want sometimes because they were a good deal. This was the first way I started to accumulate clutter. The second way was from my creative endeavors. Over the years, I’ve tried a few different things including photography, sewing baby blanket sets, and furniture and thrift store finds flipping. Each of those came with a slew of supplies. I got everything on sale or even free. In the end, it all became a stockpile of clutter in my home — to the point where I was no longer able to park even 1 car in our 3 car garage. Yikes! Decluttering Ironically, as I was stockpiling, I began reading books about decluttering my home and life. I had gotten to a point where I was so weighed down by the stuff that I knew things needed to change. This journey brought me to my work now, which is as a professional declutterer and writer. I learned a lot going through the process of decluttering my home, and while I still hold onto my deal-finding ways tightly, I’ve learned to be more mindful in what I purchase. Before buying anything, I ask myself these 5 questions: Do I really want or need this? Am I settling? Will we be able to use this before it goes bad? Do I have the space to store this? What will it cost me? 1. Do I really want or need this? It’s so tempting to buy something because it’s a great deal. There’s often scarcity with the product being on sale for a limited time or with limited quantities. and I don’t make the best decisions when I feel stressed. If it’s something I already planned to buy then yes, I’ll snatch up that great deal. If not, I choose not to buy on impulse anymore. That landed me in a house full of clutter and I don’t want to repeat that mistake. 2. Am I settling? Do you ever go shopping for a specific item and end up settling for something that wasn’t quite right because it was the closest thing you could find? For me, that always ended with money wasted and an item that became clutter. I’m quite opinionated so if I don’t love something, I don’t want it. I don’t want to wear clothes that almost fit. There’s nothing more annoying than having to constantly adjust clothing. Don’t settle for good enough. 3. Will we be able to use this before it goes bad? I ask this question primarily for food, but it works for anything that can expire. It’s awesome to get great deals on produce. It’s less awesome when that deal is rotting in your fridge a week later. Be realistic about what you can use in the amount of time you have before it will go bad. Some things can be frozen and other things can’t. Be wise so that you aren’t wasteful. 4. Do I have the space to store this? Along with using it before it goes bad, don’t intend to freeze a ton of meat if you have a tiny freezer. Know your space limitations. This can happen for things that don’t expire as well. You know it’s turning into a problem when you’ve installed racks in your bedroom to store your toilet paper overstock because you found such a great deal. If you ever watched that extreme couponing show, you know what I’m talking about. 5. What will it cost me? When shopping locally, consider the cost of gas and your time. Yesterday I bought some applesauce pouches that were on clearance. I briefly considered driving to additional locations to buy more, but realized it wasn’t worth the cost in gas or my time. The things we own don’t just cost us money. Once you bring something into your home it takes your time and energy to clean, maintain, and store it. If you’re feeling burdened by your home and are suffocating underneath the clutter, it’s costing you breathing room and your peace. In trying to find my balance between simplicity and frugality, I started shopping less and being much more intentional with my choices. I will always be a deal hunter, but I’m more thoughtful in what I buy so that the thrill of the hunt will never again land me in a house full of clutter. Julianna Poplin is a wife, mom, professional declutter, and writer at The Simplicity Habit. She writes to encourage moms who want to declutter and simplify their homes and lives. top photo sources 1, 2 [...]
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Ranger Rick Magazine Discount!

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Ranger Rick Magazine Discount!
This was one of my favorite magazines growing up! We’ve found a hot deal on Ranger Rick Magazine. RANGER RICK SUBSCRIPTION DISCOUNT Hurry on over and order a subscription to Ranger Rick magazine for just $14.99 per year!  Enter the coupon code PENNYPINCH at checkout to get the discount. But, you need to hurry as ... Read More about Ranger Rick Magazine Discount! The post Ranger Rick Magazine Discount! appeared first on Penny Pinchin' Mom. [...]
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How Procrastinators Can Win at Gift-Giving

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How Procrastinators Can Win at Gift-Giving
Check the calendar. No, this isn’t a dream. It really is December, and Christmas Day is staring you straight in the face. And if you celebrate Hanukkah, it’s coming even sooner. Where did the holiday season go? Well, no time to reminisce now. It’s down to the wire, but there are still methods to save... Courtney Jespersen is a writer at NerdWallet. Email: courtney@nerdwallet.com. Twitter: @CourtneyNerd. The article How Procrastinators Can Win at Gift-Giving originally appeared on NerdWallet. [...]
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Meet the Nerdlings, NerdWallet’s Interns

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Meet the Nerdlings, NerdWallet’s Interns
This post was written by Kirsten Armstrong, on the People Ops team at NerdWallet. Every summer, NerdWallet welcomes “Nerdlings,” interns from around the country who join us for hands-on experience and career preparation. During their internships, our Nerdlings become integral members of the NerdWallet community, bringing new ideas and fresh perspectives to our work. In turn, we’re...The article Meet the Nerdlings, NerdWallet’s Interns originally appeared on NerdWallet. [...]
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How to Plan Your Travel Rewards Strategy for 2020

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How to Plan Your Travel Rewards Strategy for 2020
As New Year’s resolutions go, “maximizing points and miles” might not be on the top of everyone’s list. But making a plan for how to earn and use points and miles in the coming year can make the difference between a stress-free travel year and an overwhelming one. Everyone has different reward travel plans and... Sam Kemmis is a writer at NerdWallet. Email: skemmis@nerdwallet.com. Twitter: @samsambutdif. The article How to Plan Your Travel Rewards Strategy for 2020 originally appeared on NerdWallet. [...]
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What to Do If Hurricane Dorian Hits Your Home, Mortgage

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What to Do If Hurricane Dorian Hits Your Home, Mortgage
If you’re affected by a hurricane, flood or another natural disaster, what does it mean for your mortgage? This is a pertinent question for homeowners in the path of Hurricane Dorian in Florida and nearby states. Here are frequently asked questions and answers. What should I do first? Get in touch with the following entities: The... Holden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. The article What to Do If Hurricane Dorian Hits Your Home, Mortgage originally appeared on NerdWallet. [...]
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Why You Should Travel Last-Minute at Least Once

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Why You Should Travel Last-Minute at Least Once
Many people plan their vacations and travel days months in advance. After all, plane tickets are often cheaper, accommodation is less expensive — and a pre-planned trip offers the opportunity to map out routes, design schedules and organize every detail. And while there’s absolutely nothing wrong with this sort of travel — indeed, it’s often... Alisha McDarris is a writer at NerdWallet. Email: travel@nerdwallet.com. The article Why You Should Travel Last-Minute at Least Once originally appeared on NerdWallet. [...]
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7 Places to Find Secondhand Gifts Your Friends and Family Will Adore

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7 Places to Find Secondhand Gifts Your Friends and Family Will Adore
Gifting your friends and family with something they’ll love this holiday season doesn’t require buying something brand new. You can save a considerable amount of money by buying used gifts for Christmas instead. Thrift stores and private sellers price merchandise at a fraction of their original cost — not to mention the treasur