Afternoon Deals: Saturday, August 10

Afternoon Deals: Saturday, August 10

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Afternoon Deals: Saturday, August 10
Every morning and afternoon we publish a list of the latest and best deals from our partner, DealNews. To learn more about the discounts and details, click on any of the deals for more information. To have this list, along with our latest news and stories, delivered daily to your inbox, sign up for our free newsletter. For links to deals as they’re published, follow @mtndeals on Twitter.
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Old Navy: Kids Uniform Polos only $3.40, plus more!

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

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

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

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

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

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

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

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7 Surprising Ways Retirees Waste Their Savings
fizkes / Shutterstock.com Retirees usually have a limited amount of money to spend during their golden years. Unfortunately, some people make costly mistakes that can deplete their nest egg prematurely. From giving away cash indiscriminately to refusing to embrace lifestyle changes, here are some surprising ways retirees waste their hard-earned savings. The Only Retirement Guide You'll Ever Need... [...]
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How to Access American Airlines Admirals Club Lounges

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

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

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

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

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Play-Doh Numbers, Letters, ‘N Fun Set
Play-Doh always makes for a fun time and makes for a great gift idea as well. You can score a great deal on the Play-Doh Numbers, Letters, ‘N Fun Set right now. You are able to order this set for only $12.55. You will be saving 50% on this purchase because it is usually $24.95. ... Read More about Play-Doh Numbers, Letters, ‘N Fun Set The post Play-Doh Numbers, Letters, ‘N Fun Set appeared first on Penny Pinchin' Mom. [...]
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Trying to be more productive? Grab this $1500 bundle of eResources for just $37!

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

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

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

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

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

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

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

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

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Easy Meals for 25 People | Our Vacation Menu Plan for 27 People
Need some easy meals for 25 people…or maybe just some easy recipes for large groups? Here’s how we fed 27 people on our recently family vacation including the meals we made + how we divvied up the responsibilities. Be sure to also check out my post from earlier this year on Our Vacation Menu Plan for a Crowd + last year’s Big Family Vacation Menu Plan! Easy Meals for 25+ People Last week, we drove to Lampe, MO to spend a week at Table Rock Lake with almost all of my extended family. (This time around it was my parents, 2 brothers, 3 sisters, and their spouses and kids. My youngest brother couldn’t come because he’s working at the Wild’s camp this summer). My dad rented Caboose Junction Resort for us all (it has a main house and then 6 caboose that have been turned into small “cabins”). In addition to spending lots of time skiing, boating, and swimming, we ate a lot of yummy meals. But in order to feed 27 people without it being too much work, we not only stuck with easy meals for 25+ people, but we also all pitched in and helped with the food. Since you all loved my large group menu plan posts, I wanted to, once again, share what we ate and how we planned and divided up the responsibilities. This might give you some inspiration in case you need some suggestions for easy meals for 25+ people.   How We Planned and Divvied Things Up Like last time, my sister planned the menu with easy meals that would feed a crowd and sent out a sign-up form using Perfect Potluck (it’s free and so easy to use!). Each family signed up for the main dishes and side dishes they wanted to be in charge of. (A screenshot of the sign up form on Perfect Potluck.) Whatever meals or parts of meals you signed up for, you were in charge of bringing the ingredients for and cooking/baking. We also had a sign-up for kitchen clean-up, too, so that one person didn’t have to do a bunch of the clean up and everyone could enjoy plenty of time for fun! Easy Breakfasts for 25+ People Here’s what we served for breakfast: Pancakes, Bacon, Scrambled Eggs, Orange Juice Pumpkin Chocolate Chip Muffins, Sausage, Eggs, Orange Juice Baked French Toast, Bacon, Eggs, Orange Juice Baked Oatmeal Sausage, Eggs, Orange Juice Biscuits & Gravy, Eggs, Orange Juice Homemade Granola with fruit and yogurt Easy Lunches for 25+ People For lunch, we had our usual huge Build-Your-Own Salad Bar (most all of my family loves salads!). We also had bread and meat/cheese for sandwiches for the kids and any adults who didn’t just want a salad. In addition, we set out any leftovers from breakfast or dinner. Build-Your-Own Salad Bar Ingredients: A variety of Greens and Lettuce, Canned Salmon, Boiled Eggs, Raisins, Seeds/Nuts, Avocados, Bell Peppers, Cucumbers, Chickpeas, Cherry Tomatoes, Feta Cheese, Croutons, Dressings Simple Dinners for 25+ People If you’re looking for some really easy meals for 25+ people, here’s what we made for the dinners: Spaghetti Pie, Lettuce Salad, Garlic Bread, Green Beans, Fruit Southwest Rollups (Toppings: Shredded Lettuce, Sour Cream, Salsa), Mexican Rice, Fruit Pizza & Soda Pop (We ordered from a local pizza place — we ordered it online and then my dad went and picked it up.) Baked Potato Bar & Five Cup Salad (The toppings we had: Baked Potatoes, Taco Meat, Sour Cream, Cottage Cheese, Chopped Green Onions, Shredded Cheese, Bacon, Salsa, Chopped Tomatoes, Broccoli.) Grilled Chicken, Lettuce Salad, Homemade Biscuits, Corn on the Cob, Fruit Salad, Steamed Veggies,  Twice Baked Potatoes. (I used the leftover baked potatoes to make these.) Hamburgers/Hot Dogs, Homemade French Fries, Veggie Tray, Leftover Corn on the Cob, Leftover Fruit Salad It’s amazing how it’s not too much work on any one person to feed 20+ people if we all pitch in and help! What other ideas of easy meals for 25+ people or easy recipes for large groups do you have? I’d love to hear! Want to cut your grocery budget? Go here and sign up (it’s free!) I’ll send you my 10 Easy Ways to Cut Your Grocery Bill By $50. [...]
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Instacart: $10 off a $35 Aldi Order!

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

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How To Train Your Dragon: 3-Movie Collection
If your family is a fan of the How To Train Your Dragon movies, this would be a super deal to grab. You can order the How To Train Your Dragon: 3-Movie Collection for only $24.99 right now. You will be saving 50% on this purchase because it is usually $49.98. Be sure that you ... Read More about How To Train Your Dragon: 3-Movie Collection The post How To Train Your Dragon: 3-Movie Collection appeared first on Penny Pinchin' Mom. [...]
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5 Things to Know About the Rakuten Cash Back Visa Card

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5 Things to Know About the Rakuten Cash Back Visa Card
Virtual window shoppers who use Rakuten.com — formerly known as the cash-back shopping website Ebates — could be earning even more cash back on their purchases with the Rakuten Cash Back Visa credit card. Image courtesy of Synchrony In 2019, Ebates rebranded as Rakuten, but the $0-annual-fee credit card’s rewards structure remained the same. The new name, which means... Melissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. The article 5 Things to Know About the Rakuten Cash Back Visa Card originally appeared on NerdWallet. [...]
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Treat Yo’ Self… for Pennies: 24 Spa Treatments You Can Do at Home

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

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

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

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

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

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How Do I Know If the Hawaiian Airlines World Elite Mastercard Is for Me?
With a sign-up bonus, a 50% companion discount, free checked bag and lots more nice benefits, there’s plenty to like about the Hawaiian Airlines® World Elite Mastercard®. But it’s not for everyone. Like any travel rewards card, it’s better suited for some travelers than for others. Here’s how to know if this Hawaiian Airlines-branded card... June Casagrande is a writer at NerdWallet. Email: travel@nerdwallet.com. The article How Do I Know If the Hawaiian Airlines World Elite Mastercard Is for Me? originally appeared on NerdWallet. [...]
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Kinetic Sand Folding Sand Box + 2 Pounds Of Kinetic Sand

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

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

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

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Credit Freezes: A Powerful (and Free) Way to Fight Identity Theft
Another day, another massive data breach.  Equifax, Capital One, Marriott … the list seems endless.  And as more of our personal information is digitized, the risk of it ending up in the wrong hands rises, leaving us increasingly vulnerable to identity theft and trashed credit. But while the scope of these data breaches can seem overwhelming (1.1 billion identities were exposed in 2016 alone), the reality is that you are not powerless. You can defend yourself, and you don’t have to go off the grid and hide out in a bunker in New Zealand. One of the most powerful ways to defend yourself is a credit freeze. Setting it up is simple, and best of all, it’s free. What’s a Credit Freeze? Credit Sesame defines a credit freeze as “a process which locks down your credit file and prevents identity thieves and cyber criminals from opening credit in your name.” Basically, access to your credit file is inaccessible to everyone except you.  Creditors, such as banks and credit card companies, ask to see credit report before opening new accounts. Since they won’t be able to see your credit history, they won’t be able to extend you a line of credit. Makes sense, right? And no, it won’t negatively affect your credit score. When Should You Freeze Your Credit? Many people freeze their credit after their identities have been stolen, which is fine. However, you’re basically in a race against the criminal. Who can get to your credit report first? Steven Weisman, a Bentley University professor and author of the fraud and identity theft blog Scamicide, suggests freezing your credit now — and always. He thinks of the tool as a “preventative medicine.” “This is the single best thing someone can do to protect themselves from being a victim of identity theft,” he says. “Even if your Social Security number was in the hands of an identity thief, you’d still be protected.” If you’d rather not put your credit on perma-freeze, then you should also consider it under the following circumstances: You’ve been the victim of a data breach. (At this point, that’s nearly all of us.) You believe you may have become a victim of identity theft. You want to protect your child’s credit. Once your credit is frozen, you will still have access to your credit report, as will current creditors and debt collectors.  Employers — both current and potential — have limited access to your credit report, as do some government agencies.  What Does a Credit Freeze Cost? Credit freezes now cost nothing, thanks to the Economic Growth, Regulatory Relief and Consumer Protection Act, which became effective in September 2018. Prior to the law’s passage, credit freezes used to cost between $5 and $15 to set up, with a second charge to unlock the freeze.  (Victims of fraud were typically exempt from paying these costs.) This is the single best thing someone can do to protect themselves from being a victim of identity theft. The law also allows you to unfreeze and refreeze your credit at any time, at no cost. How to Freeze Your Credit It will take a bit of legwork on your part. You’ll need to request a credit freeze from each of the three main credit bureaus: Equifax, Experian and TransUnion. Each bureau has a slightly different process.  1. Contact the Three Major Credit Bureaus Have information like your Social Security number, birth date and most recent addresses on hand when you make your request. You can freeze your credit by mail, by phone or online. How to Freeze Your Credit With Equifax Online: https://www.equifax.com/personal/credit-report-services/ Phone: 800-685-1111 Mail: Equifax Security Freeze, P.O. Box 105788, Atlanta, GA 30348 How to Freeze Your Credit With Experian Online: https://www.experian.com/freeze/center.html Phone: 888‑397‑3742 Mail: Experian Security Freeze, P.O. Box 9554, Allen, TX 75013 How to Freeze Your Credit With TransUnion Online: https://www.transunion.com/credit-freeze Phone: 888-909-8872 Mail: TransUnion LLC, P.O. Box 2000, Chester, PA 19016 Note: All three credit bureaus say requesting a credit freeze by mail is the slowest method, and so if time is of the essence, you should consider requesting the freeze over the phone or online. If you do opt to request a credit freeze by mail, make sure to include your full name, date of birth, Social Security number, last two addresses, a clear copy of a government-issued identification card and a clear copy of a utility bill, bank statement or other form of proof of address. 2. Receive Your PIN and Keep It Safe The credit bureaus will set you up with a PIN, which will allow you to manage your credit freeze. Once you receive this number, make sure you keep it in a safe place where you can always find it. You will need to use it if you ever need to unfreeze — or “thaw” — your credit, like if you decide to apply for a mortgage or open a new credit card. 3. Manage Your Credit Freeze Your credit freeze should be active one business day after you make the request online or by phone. (The time frame for mail requests is three days.) You can manage it by logging into the bureau’s site using the credentials you established when you requested the credit freeze. If you want to make any changes via phone or mail, you’ll need to have that PIN on hand. How to Unfreeze Your Credit The time may come when you will need to unfreeze your credit — say, to apply for a credit card or shop for a loan. To do so, go to the credit bureau’s website and use the credentials you set up to request the thaw.  The freeze should be lifted within an hour, as required by federal law. (If you choose to request your credit thaw by mail, your wait time will be considerably longer — at least three business days from the receipt of the request.)  You can also request to have the freeze lifted temporarily, which is especially helpful if you are looking to rent an apartment or applying for a job, and then want to go back into lockdown. Pro Tip If you know which credit bureau your future landlord, creditor or employer will be contacting, you can save yourself some time by requesting the freeze be lifted for only that credit bureau. Pros and Cons of Credit Freezes The pros of having your credit frozen are pretty straightforward: It prevents anyone from opening new accounts in your name. It won’t affect your credit score. Best of all, it’s free. However, there are some possible pain points you should consider before requesting a credit freeze: Requesting and managing credit freezes through three credit bureaus can be a pain. You’ll need to lift the freeze if you want to apply for a new credit product. It doesn’t protect your existing accounts. FROM THE CREDIT FORUM REBUILDING CREDIT AFTER BANKRUPTCY 3/24/19 @ 1:56 PM savings account 8/5/19 @ 1:35 PM C Were you affected by the Equifax Data Breach? 7/31/19 @ 4:42 AM Effective Methods to Get The Best Credit Rating 6/27/19 @ 1:01 PM See more in Credit or ask a money question What Else Can You Do to Protect Your Credit? As we said earlier, a credit freeze can be an incredibly powerful and effective tool to protect your identity and your credit, but you shouldn’t allow it to lull you into a false sense of secur [...]
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Dick’s Sporting Goods: Up to 85% off Reebok Apparel!

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

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

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How to Pay off Credit Card Debt When You Have No Idea Where to Start
We know how incredibly easy it is to rack up credit card debt.  More than 40% of American households carry a credit card balance, with an average balance of more than $9,000, according to a study from the financial data website ValuePenguin.  But here’s the tricky thing about credit cards: They only benefit you when you’re building credit and receiving perks — but not when you’re paying interest. If you’re paying a lot of interest on your balances, credit card companies are making money off of you. Your cards are using you, not the other way around. With average interest rates on new credit cards north of 17%, according to CreditCards.com, paying them off is a smart move. You can do it. And it’ll be worth it. 5 Ways to Pay off Debt From Multiple Credit Cards Before you start, try to stop using your credit cards altogether until you can use them without putting yourself in financial risk. Though the specifics will vary based on your situation, we only recommend using credit cards if:  You don’t have any debt outside of a mortgage or student loans. You have an emergency fund with three to six months of expenses saved. You can pay off your balance in full every month. However you do it, make paying off your credit cards — and learning to use them responsibly — a high priority.  First, determine how much credit card debt you have. You can do this using a tool like Credit Sesame, a free credit monitoring service.  Credit Sesame will also show you how to raise your credit score. James Cooper, a motivational speaker, raised his credit score 277 points following suggestions from the site. Then choose your weapons! We’ll go over five different methods for paying off your credit card debt. 1. The Debt Avalanche Instead of looking at your debt in its entirety, we recommend approaching it bit by bit. By breaking your debt down into manageable chunks, you’ll experience quicker wins and stay motivated.  Two popular ways to break down debt repayments are the debt avalanche and debt snowball methods.  Using the debt avalanche method, you’ll order your credit card debts from the highest interest rate to the lowest. You’ll make minimum payments on all your cards, and any extra income you have will go toward the highest-interest card.  Eventually, that card will be paid off. Then, you’ll attack the debt with the next-highest interest rate, and so on, until all your cards are paid off. 2. The Debt Snowball With the debt snowball method, you’ll order your debts from the lowest balance to highest, regardless of the interest rates on the cards. You’ll make minimum payments on all your cards, and any extra income will go to the credit card with the smallest balance. Starting with the smallest balance allows you to experience wins faster than you would with the avalanche. This method is ideal for people who are motivated by quick wins, but it has a downside: Those who choose it could end up paying more interest over the long term.    Here’s an example of how each method would work if you’re paying off four credit cards of varying balances and interest rates. $654 with 0% interest $5,054 with 15% interest $2,541 with 23% interest $945 with 17% interest If you followed the avalanche method, you’d pay off card No. 3 first, followed by No. 4, No. 2 and No. 1. If you followed the snowball method, you’d pay off card No. 1 first, followed by No. 4, No. 3 and No. 2.  Let’s say you have $600 per month to put toward debt. Using the snowball and avalanche comparison calculator from Dough Roller, you can see that it would take you 18 months to pay all of your cards off using either method.  The debt avalanche method would save you $105.73 of interest in the end, but you’d pay off your first card six months earlier by going with the snowball. Choosing the right method comes down to deciding whether you’d rather get quick results or save money on interest. We encourage you to check out Dough Roller’s calculator yourself, so you can calculate what each method would cost you. 3. The Balance Transfer  If you have good to excellent credit (typically a FICO score of 670 or above) and can feasibly pay off your debt within a year, a balance-transfer credit card is a great option. Balance-transfer cards can save you money on interest charges by letting you transfer the balance of a card with a high interest rate to a card with 0% interest.  Most of these cards offer 0% interest for 12 to 18 months with no annual fee. They generally have a 2% to 5% balance-transfer fee, but you can easily find balance-transfer cards with no fee. A higher credit score will help you qualify for a card with better terms. 4. Take out a Loan  You might look at getting a loan to consolidate and refinance your debts. If you get a loan with a lower interest rate and pay off your credit cards, that lower rate could potentially save you thousands of dollars in interest.  This is a realistic way to pay off credit card debt if you currently have little or no money to put toward it. Let’s look at two options here: A personal loan or a home equity loan.  Personal Loan  Online marketplaces will allow you to prequalify for a personal loan without doing a hard inquiry of your credit, so if you want to shop around, head there first. It won’t affect your credit score.  A good resource here is Fiona, a search engine for financial services, which can help match you with the right personal loan to meet your needs. It searches the top online lenders to match you with a personalized loan offer in less than a minute. Home Equity Loan  If you own a home with equity, you have three ways to borrow money against the value of your home: a home equity loan, home equity line of credit or a cash-out refinance. With a home equity loan, the lender gives you your money all at once, and you repay it at a fixed interest rate over a set period of time. With a home equity line of credit, you’re given a limit to borrow. Within that limit, you can take as little or as much as you need whenever you want. With a cash-out refinance, you refinance your first mortgage with a mortgage that’s slightly more money than your current one, and pocket the difference. For homeowners, these options will most likely offer the lowest interest rates. But they’re also the riskiest, because your home is the collateral — something you own that your lender can take if you don’t pay off the loan.  5. Debt Settlement The world of debt collections and creditors can be confusing, intimidating and sometimes even illegal. There’s a common misconception, for example, that someone can take your house or you can go to jail for not making your payments. But credit card debt is unsecured debt, meaning no one can put you in jail or take your house if you don’t pay it. If you’re being harassed by creditors or have circumstances that make your debt repayment confusing, don’t give up before finding out your options for assistance. Debt Management Program With a debt management program, a credit counseling company will handle your consolidation in hopes of getting you better interest rates and lower fees. You’ll be assigned a counselor, who will set up a repayment and education plan for you. This program is specifically for unsecured debt, like credit cards and medical bills. A debt management program pays your creditors for you to ensure you stay current on your debt payments. Your credit score may even improve during the program. But if you miss a payment, you can be dropped, and you’ll lose all the benefits you gained. Debt management plans usually don’t reduce your debt, but they may reduce your interest rates by as much as half or extend your payment timeline to make paying your debt more manageable. Credit Card Debt Settlement If you’re in more than just a temporary season of financial instability, and you can’t see yourself affording the amount of credit card deb [...]
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2019 Goals: July Update

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

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

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

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Collision Insurance: What It Covers and Who Needs It
Collision insurance sounds pretty straightforward, but it won’t cover every bill after a crash. Collision coverage pays to repair your own car’s damage when you hit another vehicle or object such as a lamppost or fence. It may also pay if another driver hits your car and doesn’t have enough insurance to pay for the... Lacie Glover is a writer at NerdWallet. Email: lacie@nerdwallet.com. The article Collision Insurance: What It Covers and Who Needs It originally appeared on NerdWallet. [...]
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New Grad? This 6-Step Guide Will Help You Determine What You Owe in Loans

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

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

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

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What Is a Student Loan Grace Period?
A student loan grace period is a stretch of time, after you’ve graduated or left school, when you’re not required to make payments. Here’s what to know about your student loan grace period and how to make the best use of this time. » MORE: How to pay off student loans fast How long is... Brianna McGurran is a writer at NerdWallet. Email: bmcgurran@nerdwallet.com. Twitter: @briannamcscribe. Ryan Lane is a writer at NerdWallet. Email: rlane@nerdwallet.com. The article What Is a Student Loan Grace Period? originally appeared on NerdWallet. [...]
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Kids’ Birkenstocks only $29.99 + shipping!

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

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

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

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

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

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

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

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RV Loans: How to Finance an RV Purchase
If your family dreams of open-road adventures in a new recreational vehicle, but you’re unsure how to pay for that fifth wheel or pop-up camper, consider an RV loan. RV loans can be unsecured personal loans that you get from online lenders, or secured vehicle loans from banks and credit unions. Rates and terms vary... Steve Nicastro is a writer at NerdWallet. Email: steven.n@nerdwallet.com. Twitter: @StevenNicastro. The article RV Loans: How to Finance an RV Purchase originally appeared on NerdWallet. [...]
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Afternoon Deals: Tuesday, July 30

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

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

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

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

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Benefits of the Capital One Quicksilver
The Capital One® Quicksilver® Cash Rewards Credit Card is a no-hassle option ideal for minimalists or those who want easy-to-manage rewards. You don’t have to track rewards categories, spending limits or redemption thresholds with this $0-annual-fee card. It works well solo as a go-to option for all purchases, and it pairs well with other credit cards that offer... Melissa Lambarena is a writer at NerdWallet. Email: mlambarena@nerdwallet.com. Twitter: @LissaLambarena. The article Benefits of the Capital One Quicksilver originally appeared on NerdWallet. [...]
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Gretchen’s Grocery Shopping Trip and Weekly Menu Plan for 5

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Gretchen’s Grocery Shopping Trip and Weekly Menu Plan for 5
Dillons 2 Enlightened Ice Creams – $5.47 each, used $1/1 e-coupon and $5.99 Ibotta rebate AND $5.99 Kroger cash back rebate – Free plus $1.40 overage after coupons and rebates 1 Yoplait Gogurt – Marked down to $0.49 1 Sara Lee Loaf Bread – $2.49, used $1/1 e-coupon – $1.49 after coupon 2 bags Kroger Tortilla Chips – $1.25 each 5 bags Kroger Cheese – $1.99 each, used $0.50/1 e-coupon x 5 – $1.49 each after coupon 1 bag Apples – Marked down to $0.99 2 pkg Kroger Applesauce – $1.29, used $0.30/1 e-coupon x 2 – $0.99 each after coupon 1 Kroger Eggs – Marked down to $0.49 2 Mott’s Fruit Snacks – $1.99 each, used $1/1 e-coupon x 2 – $0.99 each after coupon 1 bag Kroger Flour – $1.59 1 Kroger Sour Cream – $1.39 1 bag Green Peppers – Marked down to $0.99 2 pkg Strawberries – $2.88 each, used $0.50/1 e-coupon – $2.63 each after coupon 3.32 lbs Bananas – $1.63 2 Green Leaf Lettuce – $1.29 each 1 Stonyfield Yogurt – Marked down to $1.79, used $0.50/1 e-coupon – $1.29 after coupon Received $0.10 Ibotta rebate Received $0.09 Coinout rebate (I’m loving this new app!) Total after coupons and rebates: $30.51 Aldi 2 bag Frozen Broccoli – $0.95 each 1 Half & Half – $1.59 1 pkg Butter – $2.88 1 bag Frozen Peas – $0.79 1 bag Frozen Chicken Breasts – $5.99 1 bag Baby Carrots – $0.99 1 pkg Cream Cheese – $0.99 1 pkg Taco Seasoning – $0.39 1 pkg Flour Tortillas – $1.19 1 box Cheese Crackers – $1.49 1 pkg Chocolate Chips – $1.89 1 can Refried Beans – $0.79 1 can Cream of Chicken Soup – $0.49 2 Cucumbers – $0.59 each 1 gallon Milk – $1.49 1 pkg Granola Bars – $1.59 Received $0.03 Coinout rebate Total: $25.60 Total for both stores: $56.11 Menu Plan for This Week We are still getting veggies from our garden which I will be using this week! Breakfasts Cereal, Toast, Eggs, Fruit, Oatmeal Lunches Peanut Butter & Jelly Sandwiches, Tossed Salad Bar, Fruit/Veggies/Cheese, Cheese Quesadillas, Mac & Cheese, Leftovers Dinners Chicken & Noodle Casserole, Steamed Broccoli Dinner with Lifegroup (I’m bringing Chips and Bean Dip!) BBQ Meatballs, Rolls, Steamed Peas, Mashed Potatoes Pancakes, Eggs, Fruit Salad Out to dinner for our wedding anniversary Homemade Cheese Pizza, Breadsticks, Tossed Salad Taco Bar [...]
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Getting a Bonus? Here’s How Much You’ll Really Get After Taxes

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Getting a Bonus? Here’s How Much You’ll Really Get After Taxes
There’s nothing like a nice bonus to make you feel a bit better about your day job. Whether it’s the year-end check that makes holiday shopping a little less stressful or just a reward for your great performance, a bonus is always a welcome windfall. Of course, when you earn money, you almost always have to save some of it for Uncle Sam. So how are bonuses taxed, exactly? How Are Bonuses Taxed? Here’s What the IRS Says According to the IRS, that bonus of yours is “supplemental income,” a category that also covers commissions, overtime pay, prizes, retroactive pay increases and more. Supplemental income is subject to a slightly more convoluted withholding pattern than your regular wages, depending on how much of a bonus you earn and the way in which your boss disperses it. How Normal Bonuses Are Taxed In most cases, a bonus is paid and identified separately from your regular wage by your employer — and in that case, your employer can use a couple of different methods to calculate the tax withholding. Option 1: A flat 22% of your bonus is withheld. Pretty simple — and nice, if you earn enough money to put you in a higher income bracket overall. (Not so nice if you’re in the 10% or 12% brackets, though.) Option 2: If your bonus is added into a regular paycheck, your employer can use the aggregate method, which is a little more complicated. Basically, the withholding for the total check amount is calculated as it normally would be per your income bracket and W-4 information, and then your employer subtracts the amount that would be withheld on a regular paycheck.  For instance, if you get a check for $4,000 — a $3,000 bonus on top of your normal $1,000 wages — your employer would calculate the amount you’d be taxed for $4,000 in regular wages. Say that amount was $300, and you normally see $50 of your $1,000 check withheld. In this case, your employer would subtract the $50 from the $300 to get a total withholding of $250. How Bonuses Over $1 Million Are Taxed OK, this might sound unrealistic for most of us, but here’s the rule: If you earn more than $1 million in supplemental wages, the first $1 million will be taxed at the regular 22%, and then the remainder will be taxed in your regular income bracket… which in this case is 37%. Ouch. But then again, you’re earning a million-dollar bonus, so maybe you’re not that worried about it. FROM THE TAXES FORUM 401k contribution 4/17/19 @ 5:45 PM B Tax Settlement Firms - Legit? 4/11/19 @ 5:43 PM W Disability 4/4/19 @ 7:39 PM I've a question about Federal and State Taxes 3/30/19 @ 7:56 PM See more in Taxes or ask a money question Why You Could Get Some of That Money Back Keep in mind that if your employer doesn’t specify that the extra cash is a bonus and just lumps it all in with your regular pay, it’ll be taxed at the same rate your regular paycheck would be, without any fancy mathematical acrobatics.  And although the bonus is subject to specific tax rules when it’s paid, when Tax Day comes, it’s treated just like any other kind of income. That means you could earn some of your bonus back in the form of a refund if your tax return shows too much was withheld for your total taxable income level, after accounting for deductions and credits. No matter how it’s taxed, a bonus is basically free money you weren’t expecting. And you don’t have to worry about your bonus catapulting you into a higher tax bracket, either — because even if it does, only the money above that bracket threshold will be taxed at the higher rate. Although it can be frustrating to see part of that check disappear into the ether, focus on the positive: the sudden cash infusion! Jamie Cattanach is a writer whose work has been featured at Fodor’s, Yahoo, SELF, The Motley Fool and other outlets. Her focuses include personal finance, travel, body image and more. She writes to find (and share!) the best ways to live intentionally, adventurously and happily. 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 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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5 Places to Get Free or Cheap Chicken Wings on Monday

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5 Places to Get Free or Cheap Chicken Wings on Monday
National Chicken Wing Day is right around the corner — Monday, July 29. And several restaurants will be serving up free or cheap wings to celebrate. Buffalo, New York, Mayor Stan Makowski declared the first National Chicken Wing Day on July 29, 1977, and people have been partaking of the bird on that date ever since. Following are a few restaurants where you can get a deal on wings on Monday. [...]
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Here’s How a Health Savings Account Can Help You Save on Health Care Costs

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Here’s How a Health Savings Account Can Help You Save on Health Care Costs
When signing up for health insurance through your job, you may have been given the option of opening an HSA, or health savings account.  An HSA isn’t like a regular savings account. For one thing, there are a bunch of rules around how you can contribute and spend the money. But it can be a very useful and convenient way to set aside money for medical expenses while potentially saving you hundreds or even thousands of dollars in the long run. Here, we’ll explain how HSAs work and how they can benefit you. What Is an HSA?  The first thing you should know about an HSA is that you need to have an HDHP in order to qualify for one.  An HDHP stands for a high deductible health plan. With high-deductible plans, you generally pay less in premiums but have to meet a high annual deductible before your plan pays.  A deductible is the money you pay out-of-pocket before your insurance kicks in and starts providing certain benefits. Your premium is the monthly fee you pay to get health coverage. You can’t open a health savings account with just any health plan with a high deductible. According to the IRS, the deductible has to be no less than $1,350 for an individual or $2,700 for a family to qualify as a high deductible health plan in 2019. Those deductibles can go as high as $13,500 for a family. In addition, you can’t be enrolled in Medicare, have other health coverage or be claimed as a dependent on someone else’s tax return in order to be eligible to open an HSA. But if you do meet all those criteria, you’re in. So what’s the big deal about having an HSA anyway? The Benefits of an HSA A health savings account allows you to save money for various medical expenses without being taxed on that money. Any savings you don’t spend in a current year rolls over to the following year, and the money in your HSA stays with you even if you switch insurance plans, change jobs or retire. If you have this benefit through your job, your employer can direct a portion of your paycheck to your health savings account before taxes are taken out. If you make contributions to your HSA with income that’s already been taxed, you can deduct that money when filing your income taxes. “The advantage of contributing through payroll is you save not just federal and state income taxes but you also save on FICA taxes,” said Paul Fronstin, director of the health research and education program at the Employee Benefit Research Institute. Acronym alert: FICA stands for the Federal Insurance Contribution Act. Your FICA taxes are what you pay to fund Medicaid and Social Security. You also aren’t taxed when you spend HSA dollars, provided you’re spending the money on qualified medical expenses. The IRS has an entire list of qualified expenses, which includes things like: Deductibles Copayments Prescriptions Dental care Eye glasses Chiropractic care Breastfeeding supplies  You’ll usually receive a debit card or checks to spend your HSA money, but in some cases, you’ll have to pay out of pocket and get reimbursed later. When you spend money from your HSA, make sure to save receipts, your explanation of benefits forms or other types of documentation.  “You don’t have to send any documentation to your HSA provider,” Fronstin said. “The IRS requires that you have documentation, and if you get audited, you’re going to need that documentation.” Another benefit of having a health savings account is that you don’t have to pay taxes for any earnings from your account. “If you open an HSA, the money goes into a bank, and it earns interest like a bank account,” Fronstin said. “The interest rates are not high, but once you have a certain amount of money in your account… your HSA provider will likely permit you to invest that money in mutual funds.” Besides all those tax benefits, another upside of an HSA is that your employer — and other individuals — are allowed to contribute to your account. Can you say free money? The IRS does cap how much can be contributed to an HSA in a given year, though. In 2019, you can contribute up to $3,500 for individuals or $7,000 for families. If you’re 55 or older, you can contribute an additional $1,000. FROM THE SAVE MONEY FORUM Best ways to save money in shopping 7/23/19 @ 1:09 PM Free Food Giveaways - Do you participate 7/20/19 @ 12:07 PM Traveling 1/26/19 @ 9:01 PM S Summer Is Here: Is Your Electric Bill Affected by Running the AC? 7/17/19 @ 4:08 PM See more in Save Money or ask a money question The Challenges With HSAs One thing to keep in mind when you have an HSA is that you may be charged a fee to maintain your account. Also, if you use the money for something that’s not a qualified expense and you’re younger than 65, you’ll be taxed on it plus you’ll be hit with a 20% penalty.  After you reach age 65, you can use your HSA savings for nonmedical expenses without incurring a penalty, but you’ll still be taxed for it. Other challenges exist — not with having a health savings plan directly, but with having a high deductible health plan. Deciding which health insurance is right for you and your family is a personal decision, Fronstin said, and opting into a high deductible health plan won’t be the right choice for everyone.  Some people aren’t able to pay for health costs out of pocket before meeting their deductible and having insurance benefits kick in — resulting in people forgoing medical care to save money. High deductible health plans have also been criticized as being more for young, healthy people who don’t need much medical care. Standard preventive care, like getting your annual checkup, is generally covered under a high deductible health plan without having to reach your deductible. But patients who have ongoing medical needs could end up spending a lot of money before getting any benefit from their insurance. However, recent changes made by the federal government expanded the list of what’s considered preventive care and now includes 14 treatments, medications or devices for people with ongoing conditions like diabetes and heart disease. “These plans became a little more friendlier for people with chronic conditions,” Fronstin 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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Southwest to Exit Newark, Add Flights to Mexico, Hawaii

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Southwest to Exit Newark, Add Flights to Mexico, Hawaii
The fallout from the ongoing Boeing 737 Max 8 grounding is still impacting Southwest’s service. Southwest recently announced that a $175 million revenue loss from approximately 20,000 flight cancellations has forced the airline to tighten its belt and cease operations at Newark International Airport. The good news is that the airline will proceed with expansion... Meghan Coyle is a writer at NerdWallet. Email: mcoyle@nerdwallet.com. The article Southwest to Exit Newark, Add Flights to Mexico, Hawaii originally appeared on NerdWallet. [...]
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Here’s How to Pay Off Student Loans 5 Years Faster Without Getting a Second Job

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Here’s How to Pay Off Student Loans 5 Years Faster Without Getting a Second Job
Let’s be honest with ourselves. We’re so ready to fire off an angry Tweet at Netflix every time our bill goes up a buck. So why is that so many of us won’t take a mere seven minutes right now to chop thousands of dollars off our student loans. Here’s the thing: You’ve probably had the same student loan company since you had acne and were eating ramen in the dorm room. And we get it. It’s easy to just let these things slide. But chances are, your student loan company is overcharging you. And something as simple as switching loan companies could help you shave hundreds of dollars off your monthly payments. The best way to find a better deal is to use Credible. It’s sort of like Kayak — but for student loans. It looks at your options from up to eight companies to make sure you have a loan that will give you the lowest monthly payment and the fastest payoff time. If you’re even a little curious, it only takes two minutes to see if Credible can help you pay off your student loans faster. Chances are, you’re going to find a better deal than what you originally signed up for. And that could mean saving as much as $350 a month — and paying your loans off five years faster. How She Shaved $350/Month From Her Student Loan Payments Sarah Ann Stanley, a 32-year-old product manager in Minnesota, was forking over $500 a month in student loan payments. Plus, she was paying close to 8% interest on multiple loans. Then, about two years ago, she looked into other options and decided to refinance — or replace her multiple loans with a single new one. Her interest rate was now 6.22%. Yes, that’s less than a 2% difference, but it shaved $350 a month from her monthly bills. Oh, and now she only had to manage one bill — not several. “I didn’t want to be 45 and still paying student loans,” Stanley says. “Now that won’t happen.” After a second refinance, Stanley is now able to pay off her loans five years ahead of schedule and save even more on interest. “Because so much of our money goes to this, it’s worth pushing the envelope and fighting for yourself and finding a better deal,” she says. Luckily, Credible makes it easy to fight for yourself — and who doesn’t want to get out of student loan debt a few years sooner? 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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Vanity Fair Magazine Subscription Discount

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Vanity Fair Magazine Subscription Discount
We have found an excellent deal for Vanity Fair Magazine! VANITY FAIR MAGAZINE DISCOUNT Now through 7/25/19 (11:59 pm EST), you can score a significant discount on Vanity Fair Magazine! 2 Year Subscription for $11.99 (85% Off) with Code PENNYPINCH Just make sure you enter the coupon code noted to see the discount. ABOUT VANITY ... Read More about Vanity Fair Magazine Subscription Discount The post Vanity Fair Magazine Subscription Discount appeared first on Penny Pinchin' Mom. [...]
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FINRA Announces Final Results of Mutual Fund Waiver Initiative

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FINRA Announces Final Results of Mutual Fund Waiver Initiative
On July 17, the Financial Industry Regulatory Authority (FINRA) announced settlement arrangements with 56 member firms that failed to (i) waive mutual fund sales charges for eligible accounts and (ii) reasonably supervise the sale of mutual funds offering sales charge waivers. As part of the settlement, the member firms agreed to pay $89 million in restitution to nearly 110,000 charitable and retirement accounts that were eligible for, but did not receive, the sales charge waivers. The announcement is available here. [...]
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10 Gadgets That Keep You Cool When It’s Hot

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10 Gadgets That Keep You Cool When It’s Hot
It’s getting hot out there! But not to worry. We’ve rounded up an array of innovative products to help you cool off and chill out this summer. There’s even one for four-legged family members. All of these products get four stars or better from reviewers. You’ll want to compare prices around the web, though, to be sure you’re getting the best deal. Also... [...]
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Transfer Capital One Miles to Avianca With a 25% Bonus

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Transfer Capital One Miles to Avianca With a 25% Bonus
When one transfer bonus ends, another one begins. At least that’s the case for Capital One Venture or Spark Miles cardholders. Capital One is running a new promotion this month that will give cardholders a 25% bonus on all miles transferred to Avianca Airlines LifeMiles. The standard transfer rate for Avianca is 2:1.5, but with... Meghan Coyle is a writer at NerdWallet. Email: mcoyle@nerdwallet.com. The article Transfer Capital One Miles to Avianca With a 25% Bonus originally appeared on NerdWallet. [...]
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Questions You Must Ask When You’re Choosing Between an IRA and a 401(k)

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Questions You Must Ask When You’re Choosing Between an IRA and a 401(k)
Have you been avoiding setting up a retirement account because the information is overwhelming and complicated? Yeah, me too. I’m not going to lie; if it wasn’t for the automatic enrollment in my employer’s 401(k) when I was 26, I wouldn’t have started saving for retirement when I did. As my savings — and age — grow, so does my concern about retirement. Why did I wait so long to start saving? Will it be enough when I retire? Is there more I can do now? I guess this means I’m full-on adulting. Instead of worrying about what I can’t control, I’ve shifted my focus to what I can control: how much money I save and where I save it. And so can you. With a little research, personal questioning, and maybe even a list of pros and cons, I’ve figured out the right retirement savings option that fits my lifestyle. Let’s see if we can help you find yours. What Is a 401(k)? A 401(k) is an employer-sponsored retirement savings plan where contributions are generally deducted from your paycheck before taxes. The money in your 401(k) grows over time due to investments made on your behalf in mutual funds, stocks and bonds. With a few exceptions, you cannot withdraw money from your 401(k) until you’re 59 ½ without a 10% penalty. Your contributions are tax-deductible, but you must pay income taxes on the money you withdraw. You’re not required to make withdrawals until you’re 70 ½. Then, you are required to take minimum distributions. As of 2019, you can contribute up to $19,000 per year to a 401(k). There are no income restrictions, and your contributions do not count as taxable income. When Should You Invest in a 401(k)? A 401(k) might be a good retirement savings option for you if you answer “yes” to any of these questions: Does your employer offer a 401(k) and match your contributions? If so, this perk can maximize your retirement savings. It’s basically free money. Is an automatic paycheck deduction in line with your saving style? Payroll deductions are seamless and hassle-free. You never see the money, so you won’t be tempted to spend it. Could you use the lower income tax? All those automatic payroll deductions are pulled out before taxes, which reduces your annual taxable income. That could result in you falling into a lower tax bracket or receiving higher income tax returns. Have you reached your IRA’s maximum annual contribution? If you’ve hit the annual max contribution for a traditional or Roth IRA, you can still contribute to a 401(k). Its annual contribution limit of $19,000 allows for mega saving. Are you in a high tax bracket and not ready to pay taxes on your investment? If you are in a higher tax bracket, it might be better to pay lower taxes by putting pretax money into a 401(k). This is especially helpful if you think you may fall into a lower tax bracket when you’re ready to start making withdrawals. What Is an IRA? An IRA is an individual retirement account that is not attached to an employer. It stays with you regardless of where you live and work or your marital status. You open an IRA on your own, and as of 2019, you can invest up to $6,000 per year — or $7,000 once you’re 50 or older — in addition to any 401(k) contributions. You contribute when it’s convenient for you and choose what mutual funds, stocks and/or bonds you want to invest your money in. Most IRAs do not have a minimum opening deposit, but there might be purchase requirements on some investments and a mandatory annual contribution. Your contributions to an IRA may be fully tax-deductible depending on your financial situation, but your withdrawals are taxed as income. You can withdraw money from your IRA once you’re 59 ½ without the 10% early withdrawal penalty with a few exceptions. You’re also required to make a minimum annual withdrawal once you’re 70 ½. FROM THE RETIREMENT FORUM When did you start planning for retirement? 3/21/19 @ 10:57 AM Roth IRA or Traditional IRA 6/24/19 @ 5:20 PM R Choosing a Financial Advisor and Investment Bank 6/24/19 @ 5:20 PM Retired at 32 6/4/19 @ 2:28 PM See more in Retirement or ask a money question What About a Roth IRA? Traditional and Roth IRAs are similar, but there are a few key differences. One of the biggest distinctions is your contributions to a Roth IRA are taxed, meaning you pay taxes now instead of later. It’s totes tax-free on the back end, though. Woo! Roth IRAs do have income limits. As of 2019, individuals who make more than $137,000 per year or married couples who make more than $203,000 a year cannot contribute. Like a traditional IRA, maximum annual contributions for a Roth IRA are capped at $6,000 — or $7,000 once you’re 50 or older. You can withdraw the money you contribute before age 59 ½ without penalty since you already paid taxes on it, but there’s a 10% penalty on the earnings if you withdraw it before 59 ½. You can skip the early withdrawal penalty if it’s for college, medical bills or first-time home purchases. Unlike a traditional IRA, a Roth IRA has no mandatory distribution requirement, which means you will not be forced to take withdrawals at 70 ½. As with a traditional IRA, you must make your own investments with a Roth IRA. When to Invest in an IRA or a Roth IRA Opening a traditional IRA or Roth IRA might be a good option if your situation fits some of the following criteria: Your employer doesn’t offer a 401(k) match or other retirement plans. IRAs are great DIY saving options because they’re not attached to an employer. An IRA allows you the freedom to invest on your terms regardless of your situation, especially if you don’t have access to a 401(k). You’re a job hopper or don’t plan to stay at your current employer for long. It’s becoming more common to change jobs frequently, and with it comes the pain of perpetually rolling over your old 401(k). An IRA stays in one location while you seize all the job opportunities. You prefer to choose how and where your money is invested. IRAs give you complete control over the type, quality and amount of investments. You can manage it yourself, whereas in a 401(k), you’re paying to have someone else manage it for you. It’s like making your own dinner at home or going out to eat. Essentially, an IRA is like picking the ingredients and setting the oven to “bake.” You’re in a low tax bracket. If you’re young and in a low tax bracket, consider a Roth IRA. Seriously, you pay the lowest possible taxes now and reap the rewards later. If you plan to fall in a higher income bracket when you retire, or you don’t want to gamble on future tax rates. Paying taxes on Roth IRA investments upfront is ideal if you’re studying for a high-income profession or climbing the corporate ladder. The more you earn, the more you’ll pay in taxes in the long run. There’s also risk with withdrawing later — who knows what the tax brackets might be in 30 to 50 years. You’ve reached the maximum annual contribution limit on your 401(k). If you’ve reached the $19,000 limit on your 401(k), you could still invest up to the maximum amount in an IRA. You want to make a contribution for last year. You can contribute to your IRA for the previous year up until the tax filing deadli [...]
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Up to 90% off Tarte Cosmetics (Collector’s Sets, Palettes, Lip Paints, and more!)

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Up to 90% off Tarte Cosmetics (Collector’s Sets, Palettes, Lip Paints, and more!)
This post may contain affiliate links. Read my disclosure policy here. Love Tarte Cosmetics? You can get up to 90% off collector’s sets, palettes, lip paints and more right now! Right now, Tarte Cosmetics is offering up to 70% off select items! Plus, you can get an extra 20% off sale prices when you use the promo code CYBER at checkout! Even better, each purchase includes two free samples at checkout. Here are some deals you can score… Get this Tarte Limited-Edition Magic Star Collector’s Set for just $28 after the promo code ($290 value)! Get this Tarte Party Pouts Lip Set (includes 5 full size lip paints) for just $20 after the promo code ($100 value)! Get this Tarte Limited-Edition Make Believe in Yourself Eye & Cheek Palette for just $13.60 after the promo code (regularly $40)! Get this Tarte Passport to Paradise Collector’s Set for just $32 after the promo code ($291 value)! Get this Tarte Pineapple of My Eye Collector’s Set for just $33.60 after the promo code ($354 value)! Get this Tarte Sweet Escape Collector’s Set for just $32 after the promo code ($364 value)! Valid through July 29, 2019. Shipping is free on orders of $40 or more. Thanks, Hip2Save! [...]
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Curious Chef Kids 6-Piece Fruit and Veggie Prep Kit

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Curious Chef Kids 6-Piece Fruit and Veggie Prep Kit
These are adorable and such a great idea for little ones that are ready to start helping out in the kitchen. You can grab the Curious Chef Kids 6-Piece Fruit and Veggie Prep Kit for only $19.99! You will be saving 33% on this purchase because it is normally $29.99. This set includes a vegetable ... Read More about Curious Chef Kids 6-Piece Fruit and Veggie Prep Kit The post Curious Chef Kids 6-Piece Fruit and Veggie Prep Kit appeared first on Penny Pinchin' Mom. [...]
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36 Things That Will Soon Be Obsolete

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36 Things That Will Soon Be Obsolete
Aaron Amat / Shutterstock.com When’s the last time you popped in a cassette tape? Rented a movie at a video store? Wrote a check for groceries? Maybe you still do some — or all — of these things. But chances are good you’ve replaced many of what used to be common, everyday activities with more technologically updated trends. It can be tough to believe that many of the... [...]
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Cheapest Auto Insurance in Houston for 2019

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Cheapest Auto Insurance in Houston for 2019
If you’re looking for cheap auto insurance in Houston, Texas, shopping around can really pay off. Rates vary by driver, vehicle and company, so you can only predict which will be cheapest for you by comparing quotes. To help simplify your search, we analyzed rates from several car insurance companies in the Houston-The Woodlands-Sugar Land... Lacie Glover is a writer at NerdWallet. Email: lacie@nerdwallet.com. The article Cheapest Auto Insurance in Houston for 2019 originally appeared on NerdWallet. [...]
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Pottery Barn Backpacks as low as $14.99 shipped, plus more!

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Pottery Barn Backpacks as low as $14.99 shipped, plus more!
This post may contain affiliate links. Read my disclosure policy here. Need to buy a new backpack? You can score some great deals on Pottery Barn Backpacks and Lunch Boxes right now! Right now, Pottery Barn has some great deals on backpacks and lunch boxes! Plus, you can get an extra 25% off select bags plus free shipping when you use the promo code BIGDEAL at checkout! Please note that this code only works on select backpacks and lunch boxes. Look for the discount listed below the name of the bag to find the qualifying bags. Backpacks – as low as $19.99 (regularly $69.50) Use promo code BIGDEAL (25% off + free shipping) $14.99 shipped after promo code Lunch Bags – as low as $7 (regularly $24.50) Use promo code BIGDEAL (25% off + free shipping) $5.25 shipped after promo code Valid for a limited time only. Be sure to check out all of the Best 2019 Back To School Deals! Don’t forget you can also sign up for our daily email newsletter to get all of the best back to school deals emailed to you every week! And be sure to check out my post on 5 Simple Ways to Save on Back to School Deals. Thanks, Hip2Save! [...]
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Office Depot/Office Max Back to School Deals for the week of July 21-27, 2019

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Office Depot/Office Max Back to School Deals for the week of July 21-27, 2019
The Back to School deals have started! Check out these amazing deals Office Depot/Office Max is offering this week. Here are the back to school deals at Office Depot/Office Max for the week of July 21-27, 2019: Office Depot JustBasics Spiral Notebook – $0.10 Office Depot Composition Books – $0.50 Office Depot 3 x 5 Index Cards, 100 ct – $0.50 Office Depot 2-Hole Manual Pencil Sharpener – $0.50 Pencil Boxes – $1.50 Westcott Printed & Jelly Scissors – $2 Sharpie Highlighters 4 pk – $2.99 Pencil Accesory Value Pack 110 ct – $4 Paper Mate Flair Porous-Point Pens 12-pack – $9.99 Be sure to check out all of the Best 2019 Back To School Deals! Don’t forget you can also sign up for our daily email newsletter to get all of the best back to school deals emailed to you every week! And be sure to check out my post on 5 Simple Ways to Save on Back to School Deals. [...]
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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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Tax Planning for Beginners: 6 Concepts to Know

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Tax Planning for Beginners: 6 Concepts to Know
Tax rules can be complicated, but taking some time to know and use them for your benefit can change how much you end up paying (or getting back) in April. Here are some key tax planning concepts to understand before you make your next money move. Understanding your tax bracket You can’t really plan for... Tina Orem is a writer at NerdWallet. Email: torem@nerdwallet.com. The article Tax Planning for Beginners: 6 Concepts to Know originally appeared on NerdWallet. [...]
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Afternoon Deals: Sunday, July 21

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Afternoon Deals: Sunday, July 21
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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FINRA Publishes Notice to Members Encouraging Continued Disclosure of Digital Assets Activities

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FINRA Publishes Notice to Members Encouraging Continued Disclosure of Digital Assets Activities
On July 18, the Financial Industry Regulatory Authority (FINRA) published Regulatory Notice 19-24 (Notice), which encourages member firms to continue notifying their Regulatory Coordinators about their digital assets activities. The Notice extends the requested notification period originally set forth in Regulatory Notice 18-20 from July 31, 2019 to July 31, 2020. (For additional information regarding the amendment, please refer to the July 13, 2018 edition of Corporate & Financial Weekly Digest.) Member firms are encouraged to promptly notify their Regulatory Coordinators if its associated persons or affiliates currently engage in, or intend to engage in, any activities related to digital assets. Covered activities include, but are not limited to, purchases, sales and executions of digital assets transactions and the acceptance of cryptocurrencies from customers. FINRA is not requesting this information from firms that have already submitted a continuing membership application addressing their digital asset-related activities or have otherwise provided the covered information, unless a change has occurred. The Notice is available here. [...]
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Inbox Dollars: Get paid to read emails, take surveys, search the web, and more!

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Inbox Dollars: Get paid to read emails, take surveys, search the web, and more!
This post may contain affiliate links. Read my disclosure policy here. Looking for ways to make some extra money from home? Try Inbox Dollars! Sign up for Inbox Dollars and you’ll get paid to read emails, search the web, take surveys, and more. I loved earning free gift cards from this company when Jesse was in law school and I had a lot more time than money. You won’t get rich using Inbox Dollars, but it’s a really great way to make a few extra bucks each month to stretch your budget a little further! Sign up here to get started. Looking for more opportunities to make money from home? See my list of recommended survey companies here. [...]
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Free Workshop: How to Write Your First Book in 90 Days

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Free Workshop: How to Write Your First Book in 90 Days
Have you ever thought about writing a book? If so, you’ll want to sign up for the free workshop on how to write and launch your first book in 90 days. Do You Want to Publish a Book? Do you have an idea for a book? Or have you ever wondered what the book-writing process was like? Would you love to hear from someone who successfully self-published a book and become a best-selling author? On Tuesday (July 23, 2019), I’m hosting a free live workshop with Chandler Bolt on how to become a published author. Chandler‘s story is so inspiring — he went from being a college dropout to a 6-figure business owner and bestselling author in less than two years! In this live workshop, Chandler will walk us through the exact steps you need to take to go from Blank Page to Published Author in 90 days…in just 30 minutes each day. (Click here to register for free.) Chandler’s students have had massive success implementing the same steps you’re about to learn. In fact, he’s had at least one student publish a book every single day for the last year. What You’ll Learn in This Free Workshop In this workshop, Chandler will share: The 3-Step System he uses to write, publish, and launch a bestselling book in as little as 90 days. (And how to use your book to leave a legacy.) How Chandler wrote his first book – 200+ pages – in just 1 week (and how you can, too). An approach to find your book idea in under an hour – and turn your idea into a finished book in just 3 steps and a few hours. How to leverage your book to grow your authority, income, and business. All the details on how Chandler made $4,000/month in book royalties with his first book. Go sign up to join us at this Free Live Workshop here. [...]
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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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Should You Consider Medi-Share for Health Insurance? Here’s Our Take

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Should You Consider Medi-Share for Health Insurance? Here’s Our Take
If you’ve heard ads for Medi-Share, you might be intrigued by its promises to cover your health care costs. Curious? We looked into the details to find out how Medi-Share works — and whether it’s a good option for you. Here’s our honest, unbiased review of the program. What is Medi-Share? Medi-Share is a health-care sharing ministry made up of members united by their faith. This program and similar medical-sharing ministries rely on their members to take care of one another through financial contributions, as well as prayer.  The details work much like typical health insurance. Like having a deductible, members choose an amount they’ll contribute as a household before they can submit bills to the community for payment assistance.  A monthly share payment works like a premium, ensuring your eligibility for assistance, should you need it. There’s no guarantee your medical expenses will be covered through Medi-Share, and there are plenty of exemptions to consider before you apply.  But if you’re particularly religious — and healthy — you may want to consider this alternative to traditional health insurance. How Much Does Medi-Share Cost? First, the up-front costs: It costs $50 to apply, and you’ll pay a $120 one-time member fee with your first monthly payment. You’ll pay another one-time fee of $2 to set up your “sharing account.”  As for your monthly payment options, Medi-Share’s system is sort of like choosing a health insurance deductible and monthly premium.  As an example, we calculated costs for a 30-year-old woman seeking membership for herself only. Share amounts change annually, based on the oldest member of the household. If she chose a $1,750 annual household portion — the amount of medical bills you have to pay completely before you’re eligible for sharing — her standard monthly share would be $311.  If she met certain health and fitness requirements, she could qualify for a Healthy Monthly Share, which would lower her cost to $277 per month.   When you need medical care and visit a Medi-Share provider, you pay $35 for doctor visits and hospitalizations, and $200 for emergency room visits.  You submit the rest of your bills to Private Healthcare Systems (PHCS) for payment consideration.  “We do not collect premiums, make promise of payment, or guarantee that your medical bills will be paid,” the Medi-Share website explains. “Sharing of medical bills is completely voluntary.”  Christian Care Ministry, which operates Medi-Share, is a 501(c)3, but your payments aren’t tax-deductible.  Do You Need to Be Religious to Use Medi-Share? Just as Medi-Share embraces the idea of a community of members supporting one another, it also believes in having a membership that embraces Christian lifestyles. The organization may even interview a church leader to verify your involvement before granting you membership. In addition to eschewing tobacco and illegal drug use, applicants “must only engage in sexual relations within a Biblical Christian Marriage.”  And as you might suspect, Medi-Share doesn’t cover abortions or treatment for sexually transmitted infections.  Medi-Share also assumes that if you’re willing to take care of your Christian community by sharing the burden of medical bills, you’ll do your best to take pretty good care of yourself. Some health conditions, like obesity, high cholesterol or diabetes, put applicants in the mandatory Health Partnership Program, which pairs you with a health coach and costs an extra $99 per month.  What If You Have an Ongoing Health Condition? While this might be an appealing option if you’re healthy, anyone who suffers from a chronic health issue is probably better off turning to an ACA health insurance program for coverage.  “The primary purpose of Medi-Share is to help share members’ burdens,” the program explains. “Burdens are those unexpected medical bills you are unable to plan for (ie. broken bones, cancer, etc). Low monthly share amounts enable you to budget for your family’s routine care, which can be planned.”  Prescription drugs can be eligible for cost-sharing, but only for up to six months for the lifetime of the member. Behavioral and mental health care are also ineligible for coverage. This includes psychiatric or psychological care, as well as “counseling or care for learning deficiencies or behavioral problems,” such as ADD or autism. But here’s the big catch: Routine health screenings aren’t eligible for cost-sharing either.  Well-patient care like annual physicals, pap smears and well-child checkups aren’t included. Dental and vision care aren’t eligible, either.  For instance, if your doctor recommends getting a colonoscopy because you’ve reached a certain age, you can’t submit the test for Medi-Share payment. If you have symptoms warranting the same test, the program might grant payment.  FROM THE SAVE MONEY FORUM do it yourself 7/19/19 @ 1:16 AM Summer Is Here: Is Your Electric Bill Affected by Running the AC? 7/17/19 @ 12:08 PM Do You Ever Pick up A Stray Penny? 2/7/19 @ 12:27 PM Do drive-in movie theaters save you money? 7/1/19 @ 3:38 PM See more in Save Money or ask a money question So, Is Medi-Share Legit? Here’s our conclusion: Medi-Share isn’t a scam.  It’s totally legal and there’s a strong membership base to support it and similar programs. But it’s likely not the most affordable health care option for most people. The ideal candidate for Medi-Share is in excellent health and also has a robust savings account to pay out of pocket for routine medical care. One risk: Medi-Share and other cost-sharing programs aren’t subject to regulation like typical ACA programs.  So while a typical health insurance benefits booklet might clearly explain what’s covered and guarantee coverage up to a certain amount or percentage, Medi-Share participants might not be able to figure out ahead of time which medical bills will be paid by the program. While Medi-Share probably isn’t the best financial choice for most people, it does at least serve as an option for anyone who doesn’t have access to a job-sponsored health insurance plan or who finds individual ACA coverage options prohibitively expensive. 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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Afternoon Deals: Friday, July 19

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Afternoon Deals: Friday, July 19
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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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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*HOT* Up to 70% off Columbia Apparel & Shoes + Free Shipping!!

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*HOT* Up to 70% off Columbia Apparel & Shoes + Free Shipping!!
This post may contain affiliate links. Read my disclosure policy here. Wow! Love Columbia apparel? You do not want to miss these amazing deals! Columbia is offering up to 70% off apparel and shoes right now when you use the coupon code SAVE70 at checkout!! And shipping is FREE if you’re a Columbia Rewards Member (it’s free to sign up)! Here are some of the best deals available… Get this Women’s Western Ridge Half Zip for only $15.99 shipped (regularly $34.99)! Choose from three colors. Get these Men’s Silver Ridge Stretch Convertible Pants for just $19.99 shipped (regularly $70)! Get this Men’s Western Ridge Half Zip for just $23.99 shipped (regularly $75)! Choose from three colors. Get this Women’s OutDry Ex Blitz Rain Jacket for just $47.19 shipped (regularly $99)! Get these Women’s Redmond Mid Waterproof Hiking Shoes for just $47.92 shipped (regularly $100)! Get this Kids’ CSC Hoodie for just $15.92 shipped (regularly $50)! Get this Men’s Thistletown Ridge Polo for just $17.52 shipped (regularly $45)! Shop the entire Columbia sale here. Don’t forget to use code SAVE70 to get the best discount! And remember — shipping is FREE if you’re a Columbia Rewards Member (it’s free to sign up)! Valid through July 30, 2019. [...]
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Afternoon Deals: Wednesday, July 17

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Afternoon Deals: Wednesday, July 17
Every morning and afternoon we publish a list of the latest and best deals from our partner, DealNews. To learn more about the discounts and details, click on any of the deals for more information. To have this list, along with our latest news and stories, delivered daily to your inbox, sign up for our free newsletter. For links to deals as they’re published, follow @mtndeals on Twitter. [...]
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5 Things to Know About the Banc of California Los Angeles Football Club Mastercard

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5 Things to Know About the Banc of California Los Angeles Football Club Mastercard
Do you bleed black and gold for the Los Angeles Football Club? You might want to check out the Banc of California Los Angeles Football Club Mastercard®. Learn More The $0-annual-fee card, issued by Elan Financial Services, earns decent rewards, but it’s also packed with perks that any superfan would get a kick out of....The article 5 Things to Know About the Banc of California Los Angeles Football Club Mastercard originally appeared on NerdWallet. [...]
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Prime Day 2019: All of the Best Deals Still Available!!

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Prime Day 2019: All of the Best Deals Still Available!!
This post may contain affiliate links. Read my disclosure policy here. Worried you missed some of the best Amazon Prime Day Deals? We’ve got you covered with this list! Wow! Prime Day 2019 has been GREAT this year with all kinds of HOT deals! Seriously, the deals over the past two days have been BETTER than last year’s Black Friday and Prime Day pricing! It’s been a crazy two days of deals, so we wanted to do a quick round-up of all of the deals that are still available from Amazon Prime Day 2019! Remember: Prime Day 2019 ends tonight at 11:59 p.m. ET, so you have until then to snag these deals. And don’t forget most of these are while supplies last, so definitely buy something right away if you want it. Stuff has been selling out SUPER FAST! {Hint: If something sold out or went up in price that you really wanted, be sure to keep checking back. It seems that some of the items are coming in and out of stock at their discounted pricing!} Top Deals From Today: Catan Board Game for just $29.99 shipped!! Fitbit Alta HR Activity Tracker for just $49.99 shipped! Utopia Bedding King Comforter Duvet Insert only $27.99 shipped! *HOT* Brother Sewing Machine only $59.99 shipped! *HOT* Ring Alarm System 5-Piece Kit for just $119 shipped! Up to 50% off Select Children’s Books! Dash Deluxe Rapid Egg Cooker for just $17.99 shipped! HUGE Savings on Area Rugs!! Hoover Cordless Stick Vacuum Cleaner only $149.99 shipped, plus more! Great Prices on Ticket to Ride Board Games!! American Mini Doll and Book Sets as low as $11.18 shipped! Echo (2nd Generation) only $49.99 shipped! NIVEA Pamper Time Gift Set – 5 Piece Luxury Collection only $12.97 shipped! CHI Straightening Hairstyling Iron only $68.59 shipped! Dyson Ball Animal 2 Total Clean Upright Vacuum Cleaner only $349.99 shipped! Quaker Life Breakfast Cereal, 3 Flavor Variety Pack (4 Boxes) only $4.39 shipped! Old Navy: Jeans for the Family only $8 – $10! *HOT* Lands’ End ClassMate Medium Backpacks as low as $7.64 shipped (Reg. $40!) All-New Echo Dot Kids Edition only $44.99 shipped! Aquaphor Healing Ointment Multipack only $11.56 shipped! Mrs. Meyer’s Clean Day Scented Soy Candle (2 Pack) as low as $10.16 shipped! GREAT Deals on Games for the Family! Cuisinart Chef’s Classic Stainless 7-Piece Cookware Set only $49.97 shipped! CamelBak Eddy+ Water Bottle with Straw only $7.41! Top Deals From Yesterday: Get $5 Off Any $15 Books Purchase on Amazon (My Favorite Prime Day Deal!) *HOT* Instant Pot 6-Quart 7-in-1 Programmable Pressure Cooker as low as $49.99 shipped! *HOT* Amazon Fire TV Stick with Alexa Voice Remote for just $14.99 shipped! *HOT* Bose SoundSport In-Ear Headphones only $39 shipped (Reg. $100!) Amazon Fire 7 Tablet only $24.99 shipped, plus more! HOT Prime Day Grocery Deals = Stock Up On Snacks, Oatmeal, Sparkling Water and more! Prime Day Deals on Weighted Blankets! Prime Day Deals on Air Fryers! iRobot Roomba 690 Robot Vacuum only $229 shipped! *HOT* All-New Kindle just $59.99 shipped (with $5 eBook credit!) *HOT* Kindle Paperwhite for just $84.99 shipped (with bonus $5 eBook credit!) Oral-B Pro 500 Electric Power Rechargeable Toothbrush for just $19.99 shipped! Tarte Cosmetics: Hot Steals Sale = Cosmetics just $10! *HOT* Adidas Men’s Duramo 9 Shoes only $21 shipped, plus more! Superfeet Men’s/Women’s Charcoal Insoles only $14.97 per pair, shipped! Chromebooks as low as $169.99 shipped! ECOVACS DEEBOT 500 Robotic Vacuum Cleaner for just $169.99 shipped! Dyson V7 Animal Pro+ Cordless Vacuum Cleaner only $279.99 shipped! All-New Fire 7 Kids Edition Tablet with Kid-Proof Case just $49.99 each, shipped! Prime Day Deals on AncestryDNA and 23andMe DNA Testing Kits! Magformers XL Double Cruiser 42-Piece Set Magnetic Building Blocks only $41.98 shipped, plus more! *HOT* Echo Show for just $49.99 shipped! Echo Dot 3rd Generation for just $22 shipped! LEGO Star Wars Millennium Falcon Building Kit for just $83.30 shipped! LOWEST Prices on LEGO Sets! Beats Solo3 Wireless On-Ear Headphones for just $139.99 shipped! Safety 1st Grow and Go 3-in-1 Convertible Car Seat only $99.99 shipped! Revlon One-Step Hair Dryer & Volumizer Hot Air Brush only $36.71 shipped! HUGE Savings on Board Games and Puzzles! Over 40% off Popular Melissa & Doug Toys and Puzzles! Fitbit Alta Smart Fitness Activity Tracker as low as $67.95 shipped! Samsung 11.6″ Chromebook 3, 16GB only $159 shipped! Go here to see all the Prime Day 2019 Deals! Not an Amazon Prime member? If you’re not already an Amazon Prime member, now is a GREAT time to sign up for the free 30-day trial of Amazon Prime so that you can take advantage of all these Prime Day deals before it ends tonight! What was your favorite Prime Day deal? We’d love to hear in the comments! [...]
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5 Things to Know About UBS Business Credit Cards

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5 Things to Know About UBS Business Credit Cards
UBS Bank caters to wealthy individuals, institutions and corporate clients worldwide, as well as private clients in Switzerland. So naturally, when the bank launched a trio of business credit cards in June 2019, the cards all came with princely perks and swanky benefits befitting the high-end clientele most likely to bank with UBS. Not everyone will be... Robin Saks Frankel is a writer at NerdWallet. Email: rfrankel@nerdwallet.com. Twitter: @robinsaks. The article 5 Things to Know About UBS Business Credit Cards originally appeared on NerdWallet. [...]
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Prime Day 2019, Day One: All of the best deals so far!

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Prime Day 2019, Day One: All of the best deals so far!
Worried you missed some of the best Amazon Prime Day Deals? We’ve got you covered with this list! Wow! Prime Day 2019 is off to a great start with all kinds of HOT deals! Seriously, the deals today were BETTER than last year’s Black Friday and Prime Day pricing! It’s crazy!! The deals were flying FAST today, so we wanted to round up all the deals that are still available from Day One of Prime Day 2019! {Hint: If something sold out or went up in price that you really wanted, be sure to keep checking back. It seems that some of the items are coming in and out of stock at their discounted pricing!} And we’ll be back first thing in the morning for more Prime Day coverage for Day Two! See you then! Best Prime Day 2019 Deals From Day One: Get $5 Off Any $15 Books Purchase on Amazon (My Favorite Prime Day Deal!) *HOT* Instant Pot 6-Quart 7-in-1 Programmable Pressure Cooker as low as $49.99 shipped! *HOT* Amazon Fire TV Stick with Alexa Voice Remote for just $14.99 shipped! *HOT* Up to 40% off Apple Watches and iPads! *HOT* Bose SoundSport In-Ear Headphones only $39 shipped (Reg. $100!) Amazon Fire 7 Tablet only $24.99 shipped, plus more! *HOT* Vitamix 5200 Professional Blender for just $279.95 shipped! Ninja Professional Countertop Blender for just $44.99 shipped! HOT Prime Day Grocery Deals = Stock Up On Snacks, Oatmeal, Sparkling Water and more! Prime Day Deals on Weighted Blankets! Prime Day Deals on Air Fryers! iRobot Roomba 690 Robot Vacuum only $229 shipped! *HOT* All-New Kindle just $59.99 shipped (with $5 eBook credit!) *HOT* Kindle Paperwhite for just $84.99 shipped (with bonus $5 eBook credit!) Oral-B Pro 500 Electric Power Rechargeable Toothbrush for just $19.99 shipped! Tarte Cosmetics: Hot Steals Sale = Cosmetics just $10! *HOT* Adidas Men’s Duramo 9 Shoes only $21 shipped, plus more! Superfeet Men’s/Women’s Charcoal Insoles only $14.97 per pair, shipped! Chromebooks as low as $169.99 shipped! ECOVACS DEEBOT 500 Robotic Vacuum Cleaner for just $169.99 shipped! *HOT* Shark Genius Hard Floor Cleaning System Pocket Steam Mop only $59.99 shipped (Reg. $120!) *HOT* YETI Hopper Flip 18 Cooler for just $209.99 shipped! Dyson V7 Animal Pro+ Cordless Vacuum Cleaner only $279.99 shipped! All-New Fire 7 Kids Edition Tablet with Kid-Proof Case just $49.99 each, shipped! Prime Day Deals on AncestryDNA and 23andMe DNA Testing Kits! Magformers XL Double Cruiser 42-Piece Set Magnetic Building Blocks only $41.98 shipped, plus more! *HOT* Echo Show for just $49.99 shipped! Echo Dot 3rd Generation for just $22 shipped! LEGO Star Wars Millennium Falcon Building Kit for just $83.30 shipped! LOWEST Prices on LEGO Sets! Beats Solo3 Wireless On-Ear Headphones for just $139.99 shipped! Keurig K-Mini Single Serve Coffee Maker with AmazonFresh Colombia Medium Roast K-Cup Coffee Pods (12 count) only $49.99 shipped! Safety 1st Grow and Go 3-in-1 Convertible Car Seat only $99.99 shipped! Revlon One-Step Hair Dryer & Volumizer Hot Air Brush only $36.71 shipped! HUGE Savings on Board Games and Puzzles! Over 40% off Popular Melissa & Doug Toys and Puzzles! LifeStraw Personal Water Filter only $9.89 shipped! Fitbit Alta Smart Fitness Activity Tracker as low as $67.95 shipped! Old Navy: 50% off the Entire Site + Free Shipping!! Samsung 11.6″ Chromebook 3, 16GB only $159 shipped! 8×10 Area Rugs only $89.99 shipped at Wayfair! Walgreens Photo: Get 25 Photo Prints for just $0.01 each + Free Pickup! Go here to see all the Prime Day 2019 Deals! Not an Amazon Prime member? If you’re not already an Amazon Prime member, now is a GREAT time to sign up for the free 30-day trial of Amazon Prime so that you can take advantage of all these Prime Day deals! What’s been your favorite Prime Day find so far? Let us know in the comments! [...]
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When “I Do” Becomes “We Owe”: How to Pay Off Your Debt as a Couple

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When “I Do” Becomes “We Owe”: How to Pay Off Your Debt as a Couple
Marriage is about two becoming one. And along with all the good qualities you both bring to your marriage, you might each be crossing the threshold with student loans, mortgages and credit card debt from your life before the wedding. Although you may not legally be responsible for your spouse’s debt — that depends on your state’s rules — that whole for-better-or-worse thing probably means you want to help each other stress less about the money situation. So why not make tackling your debt the first big success of your new life together? We’ve rounded up tips from other couples that you can apply to your own debt-free goals. Strategies for Paying Off Marriage Debt as a Couple Marriage is, by design, supposed to be a long-term commitment. Although the discussion really should have happened earlier, talking about money now that you’re married is essential to tackling debt as well as planning for your future, according to Ariel Ward, Certified Financial Planner at Abacus Wealth Partners. “First of all, come together as a couple and have an honest conversation with each other about what the current state of your finances [is], facing the debt,” she said. “And also with that, talk about once we have this debt paid off, what are going to be our long-term goals around money.” Ready to stop stressing about finances and enjoy married life? Say “I do” to these savvy strategies. Think of “My Debt” and “Your Debt” as “Our Debt” One of the most important things to remember when you’re starting your new life facing a pile of debt: You’re in this together. “The couples that I see that have the most success have come to terms with what their financial situation is and they view each other as teammates,” said Ward, adding that they view themselves as co-owners of the debt, “even if one person brought more of it in.” About a year and a half into their marriage, Pete and Maria Sbashnig had not yet combined the finances of their blended family (each has two kids from previous marriages), so he figured it was time to see where they stood. Pro Tip Unless there is an extenuating circumstance, sign up for a joint bank account and become authorized users on each other’s credit cards so you both know where your money is going each month. Midway through listing their debts — which included two mortgages, a home equity line of credit, two car loans and over $60,000 in credit card debt — they realized their total debt was $332,000, putting their net worth at a negative $244,000. But rather than focusing only on their own bank accounts, the two decided to team up to pay off the debt. Pete brought in more income by taking side jobs umpiring baseball games, mowing lawns and helping his dad with his landscape business. Maria cut the family’s expenses by clipping coupons, cooking meals at home and limiting school shopping. Together they paid off $65,000 in 17 months while making less than $100,000 per year combined. Budget for Two When you’ve been budgeting for one (you have been budgeting, right?), you might be wondering how to turn that process into a debt paydown plan for two. By creating a budget together, you’ll both understand why certain expenses need to be cut, according to Ward. “It’s important to know where your money is going on a monthly or a weekly basis,” said Ward, who suggested using an app like Mint, which allows both of you to track expenses. “It is easy for couples to just assume the other is watching the budget … and maybe neither one of you is doing it.” Pro Tip When discussing your budget, set aside at least an hour when you know you can both offer your full attention. Make sure neither of you are tired or hungry — and turn off those cell phones! The Penny Hoarder contributor Abbigail Kriebs said she and her husband weren’t getting anywhere with their financial goals until they signed up for a budgeting class that forced them to talk about their financial situations, including struggles and insecurities they felt about money. They started setting aside time on Sunday afternoons to budget as a couple and discuss their living expenses, income and goals. By being honest about their spending and saving habits, they’ve been able to re-evaluate strategies to pay down their student debts. Earn Extra Money as a Couple Hustling is so romantic, right? Alright, maybe it’s not about flowers and candlelight dinners, but there are ways the two of you can pay off debt by working as a team. Finding a side gig that the two of you can do together allows you to find work you’ll both enjoy — or at least work you’ll enjoy doing because you’re together — according to Ward, who suggested dog walking as one option. The couples that I see that have the most success have come to terms with what their financial situation is and they view each other as teammates. “That could be kind of a fun date to go do together: You go pick up a dog to walk for 30 minutes, and you get paid for it,” she said. “And maybe not as fun, but… there are plenty of apps out there where you can put up an ad and offer to clean people’s houses, so that’s something you can do together as well.” Another option is to tag team your work, like Sam and Susen Meteer splitting their schedules to drive for Lyft. Sam is an elementary school teacher by day who gets behind the wheel on nights and weekends. On weekday mornings, Susen drops their kids at school and keeps on driving. Together, they can pull in $800 to $1,500 a week. FROM THE DEBT FORUM Student loans/debt consolidation 7/8/19 @ 1:09 PM Unsure How to Proceed 7/10/19 @ 7:39 PM From Debt to Debt-free to Debt again 6/30/19 @ 3:53 PM Travel Trailer Debt 6/25/19 @ 5:31 PM See more in Debt or ask a money question If your efforts to dig yourselves out of debt as couple still aren’t getting anywhere and it’s causing strife within your marriage, it may be time for outside help. “Talk to a marriage counselor that can help you learn how to work as a team on not just the debt but other things, or looking for a financial planner,” Ward said. “Sometimes it’s a good idea to seek outside help when you can’t solve things on your own.” Because getting out of debt together is a good way to start your happily ever after. Tiffany Wendeln Connors is a staff writer/editor at The Penny Hoarder. Read her bio and other work here, then catch her on Twitter @TiffanyWendeln. 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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Afternoon Deals: Saturday, July 13

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Afternoon Deals: Saturday, July 13
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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The Mummy Trilogy

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The Mummy Trilogy
Want to add more movies to your collection? This would be a great trilogy to add and it would also make a great gift idea! You can get The Mummy Trilogy for just $12.99 right now! You will be saving 35% on this purchase because it is normally $19.98! Be sure that you grab this ... Read More about The Mummy Trilogy The post The Mummy Trilogy appeared first on Penny Pinchin' Mom. [...]
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Lodge Seasoned Cast Iron Wok
Check out this great deal that you can grab on cast iron! This would be a great gift idea and the perfect addition to any kitchen! You can get the Lodge Seasoned Cast Iron Wok for only $49.90. You will be saving 41% on this purchase because it is normally $85.00. Be sure that you ... Read More about Lodge Seasoned Cast Iron Wok The post Lodge Seasoned Cast Iron Wok appeared first on Penny Pinchin' Mom. [...]
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17 Simple Home Repairs That Will Save You Cash

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Homeowners fantasize about making fabulous changes to their homes: adding rooms, beautifying the grounds and remodeling kitchens and baths. In reality, however, these dream projects may not be financially possible. Don’t let that stop you, however, from taking good care of the home you have. By keeping up with small repairs, you’ll both save money by heading off the big expensive fixes... [...]
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How to Get Free or Cheap Museum Admission

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How to Get Free or Cheap Museum Admission
A trip to the museum can deliver a much-needed dose of history and culture; after all, you can’t get up close and personal with dinosaur bones or Vincent van Gogh’s expressive brush strokes just anywhere. Accessing precious artwork, artifacts and experiences might seem like it could put a strain on your budget, but there are... Lauren Schwahn is a writer at NerdWallet. Email: lschwahn@nerdwallet.com. Twitter: @lauren_schwahn. The article How to Get Free or Cheap Museum Admission originally appeared on NerdWallet. [...]
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You’re Probably Storing These 13 Foods Wrong… and It’s Costing You Money

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You’re Probably Storing These 13 Foods Wrong… and It’s Costing You Money