FINRA Warns Investors of Potential Stock Fraud in Wake of Hurricane Dorian

FINRA Warns Investors of Potential Stock Fraud in Wake of Hurricane Dorian

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

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Pretend Doctor Kit Playset for Kids
Fuel your little one’s creative play with this great deal. You can get the Pretend Doctor Kit Playset for Kids for only $14.99. You will be saving 48% on this purchase because it is normally $28.99. Be sure that you grab this deal soon because the price can change at any time! The post Pretend Doctor Kit Playset for Kids appeared first on Penny Pinchin' Mom. [...]
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5 Amazing Employee Perks Starbucks Offers — Even Part-Timers Get These

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5 Amazing Employee Perks Starbucks Offers — Even Part-Timers Get These
When I decided to pursue freelance writing as a career, I knew I needed an additional source of income. Or a winning lottery ticket.  A job seemed like the better bet. I applied to work at Starbucks because I had heard it’s an ideal place for a part-time gig. I could receive many of the same benefits as my friends who had full-time jobs, but I would only be working 25 to 30 hours per week! The Hidden Perks of Working at Starbucks Starbucks is known for treating its partners well. (“Partners” is what Starbucks calls its employees.)  Chances are, you’ve heard the company offers its partners retirement plans and fully covered tuition to Arizona State University’s online program for eligible full- and part-time U.S. partners. But after a few months, I began to realize that most partners at my store weren’t taking advantage of all the benefits Starbucks offered us — myself included. We either didn’t know about the perks or didn’t understand them. I decided to do some research, and it really paid off. Who knew working at Starbucks would help me listen to music for free? Or join a fancy gym for a fraction of the price? If you are a Starbucks partner, here are a few money-savers you may not know you have at your fingertips. 1. Free Spotify Premium My friends and family all know I’m cheap. Well, let’s say “frugal.” That sounds nicer. While planning my wedding, I was determined to find an alternative to paying hundreds of dollars for a DJ. I figured I would just get Spotify Premium so I could play all my music without dealing with ads or the tunes being on shuffle. Then I realized I was too… ahem… frugal, to pay $9.99 per month for Spotify Premium. Thankfully, a co-worker told me Spotify and Starbucks have a deal that gives partners free Spotify Premium. I signed up. (And, in case you were wondering, my wedding reception was the bomb.) 2. Free Coffee and Tea It’s no surprise that another Starbucks benefit is free coffee.  Starbucks partners get a free pound of coffee or box of tea every week. It’s easy to take this perk for granted, but a bag of coffee isn’t cheap. My first few weeks of working, I didn’t take advantage of this benefit. My now-husband also worked at Starbucks, so I didn’t see the need for both of us to get a pound of coffee every week. I mean, I’m a coffee addict, but that’s a lot of coffee! However, to those partners who don’t see the need to use the full amount every week, I fully encourage you to start. Did you know there are countless uses for your free bags of coffee? One of my co-workers volunteered with military personnel and took her free coffee to them every week. My husband gave his groomsmen bags of coffee as thank-you gifts. 3. A Jolt for Your 401(k) Please don’t skip this section because you think planning for retirement is boring and too complicated to understand. I’m amazed by how many employees don’t take advantage of this benefit. Many partners don’t know that Starbucks matches 100% of their 401(k) contributions, typically up to 4 to 6% of the employee’s salary. The company’s Board of Directors decides each November what the following year’s rate will be.  That’s free money that is growing on its own thanks to compound interest. I never missed it because I never touched it, and the government won’t tax me on it until I withdraw it. Set up your 401(k) plan online, and it kicks in after 90 days on the job.  4. Gym Membership Discounts This benefit is bittersweet: Sweet because everyone loves deals. Bitter because you are about to lose your excuse to skip going to the gym. Starbucks has partnerships with gyms that are always trying to attract new customers. For example, Starbucks has partnerships with GlobalFit, Gold’s Gym and Curves.  Discounted gym memberships just for being a Starbucks employee? That’s an advantage I never expected! Now you have a way to burn off all those free pumpkin spice lattes you drink on the job. FROM THE MAKE MONEY FORUM Scholarships 9/9/19 @ 10:09 AM WORK AT HOME 8/30/19 @ 2:14 PM T Job Searching: Grit and Prayer 2/14/19 @ 9:54 AM Plasma donation 9/9/19 @ 12:26 PM M See more in Make Money or ask a money question 5. Starbucks Partner Discounts Emails In case you haven’t noticed, Starbucks provides employees a lot of goodies. They’re hard to keep track of, and new deals are always popping up. Guess what? You don’t have to miss out on any of them. I signed up for weekly emails from Starbucks. Once a week, I received an email about new discounts with companies ranging from AMC Theatres to Dell to Restaurant.com. It was the most foolproof way to make sure I didn’t miss an opportunity to save a little money. As soon as your manager assigns you an ID number, you can sign up for these emails.  Laura Grace Tarpley is a freelance writer who is 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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12 Ways to Get Cheap Photo Prints

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

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Truman’s Non-Toxic Household Cleaners Starter Kit for just $5 shipped!
This post may contain affiliate links. Read my disclosure policy here. Interested in non-toxic household cleaning options? Check out this deal on Truman’s Household Cleaners!! Have you heard of Truman’s? It’s a relatively new subscription service that delivers non-toxic household cleaners to your doorstep! Each Truman’s delivery includes four different cleaners for your kitchen, floors, bathroom, and glass surfaces. (And the kitchen spray is also an all-purpose cleaner!) You receive the spray bottles and cleaners on your very first delivery and then cleaner refill cartridges on each subsequent delivery. Each delivery of cleaners should last you 6 months, but you can pause, skip, cancel, or change your subscription at any time. And right now you can get your first subscription for just $5 shipped with code SUB5 at checkout. Here’s how: Head over to this page. Click on “Get Your Starter Kit.” Choose the $15 option. When you choose this option, you’ll be signed up for automatic subscriptions but you can pause, skip, or cancel your subscription at any time after your first order ships out. Click through to checkout. On the page where you enter all of your information, look on the right side of the page where it says “Have a discount code? Enter it here.” Use code SUB5 to get 50% off! You’ll pay just $5 and shipping is FREE. If you love Truman’s cleaning products and want to continue with your subscription, you’ll be automatically charged at the regular price of $15 for your subsequent deliveries. (Note: The next delivery ships out after 45 days, so be sure to go in and change that since each delivery lasts for 6 months!) If you don’t want to continue after your first discounted starter kit, just go in and cancel before your next shipment. Super simple! This seems really cool! Have any of you tried it yet? I’d love to hear in the comments! Go here to get your Truman’s Starter Kit for $5! (Just use code SUB5.) [...]
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Salad Cutter Bowl

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Salad Cutter Bowl
These are a great addition to any kitchen and at this price, you can grab more than one! You can get the Salad Cutter Bowl for only $6.45! You will be saving 71% on this purchase because it is normally $21.99! Be sure that you grab this deal soon because the prices can change at ... Read More about Salad Cutter Bowl The post Salad Cutter Bowl appeared first on Penny Pinchin' Mom. [...]
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Telemarketers on the Hook for Spam Texts — Plus More Class-Action Settlements

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Telemarketers on the Hook for Spam Texts — Plus More Class-Action Settlements
Several new class-action settlements involve violations of the Telephone Consumer Protection Act, a federal law that bans spam texts, unsolicited sales calls that use auto dialers, and spam faxes. See if you qualify for any of the latest settlements, which also involve fake price schemes, a data breach and broken treadmill accessories. YouFit Text Ads YouFit Health Clubs LLC has agreed to a $1.4 million settlement regarding allegations that the company violated the Telephone Consumer Protection Act. The class action lawsuit, filed in July 2018, alleged the company sent unsolicited texts to cell phones between July 25, 2014 and May 15, 2018. The text messages advertised YouFit’s $0 down promotion. Consumers who received the unwanted texts and who were not already YouFit members could be eligible for a $7.50 settlement. The deadline to file a claim is Nov. 15, 2019. For full details, click here. FROM THE MAKE MONEY FORUM Laptops 9/5/19 @ 5:32 PM WORK AT HOME 8/30/19 @ 6:14 PM T Work from home Southern_MiMi 9/3/19 @ 1:44 PM HOW TO START YOUR OWN ONLINE TUTORING BUSINESS? 9/4/19 @ 2:05 PM See more in Make Money or ask a money question Gap and Banana Republic Outlet Pricing Customers who shopped at Gap or Banana Republic outlet stores may be eligible for part of a $3.75 million class-action settlement. If you bought merchandise in person or online from a Gap Outlet, Gap Factory Store or Banana Republic Factory Store between May 24, 2010 and May 10, 2019, you could have been duped by an alleged falsely referenced pricing scheme. California, New Jersey and Florida customers alleged the Gap and Banana Republic factory stores used fake reference prices to make the merchandise appear it was offered at a great savings at the outlet stores. The suit claims the items at the outlet stores were never offered for sale at any regular retail outlets. The settlement allows customers who bought items during the specified timeline to receive $6 to $12 in store credit. For the full scoop, click here and submit your valid claim by the Jan. 6, 2020 deadline. Equifax Data Breach The credit bureau Equifax has agreed to settle claims from its 2017 data breach for at least $380.5 million. Almost 147 million people were affected by the leak of personal and financial data, amounting to one of the largest breaches in history. Plaintiffs claimed Equifax took inadequate cybersecurity measures that made their personal information vulnerable to hackers. Affected consumers are eligible for either free credit monitoring services or a $125 cash payment. The settlement also provides a maximum of $20,000 expense reimbursement if the data breach resulted in out-of-pocket costs to the consumer, and a minimum of seven years of free identity restoration services. The due date to file claims for credit monitoring services, alternative reimbursement compensation and Equifax subscription product reimbursement is Jan. 22, 2020. If you plan to file a claim, experts say to consider the risk of future identity theft. Choosing the credit monitoring and identity theft services could be a better option than taking the money. For complete details on this settlement that affects nearly half of the U.S. population, click here. Precor Treadmill Heart Rate Monitor Precor has agreed to settle a class-action lawsuit over allegations its treadmill heart rate chest straps were defective. You could benefit from the settlement if you purchased Precor treadmills (models 9.23, 9.33, 9.27, 9.35, TRM 211, TRM 243, TRM 223, TRM 425, or TRM 445) between May 16, 2010 and Dec. 26, 2018 (for residents of California, Illinois, Missouri, New Jersey or New York) or between Dec. 26, 2014 and Dec. 26, 2018 (for residents of all other states). Potential awards are as follows for anyone who submits a claim that includes the covered treadmill’s serial number: Models TRM 223 or TRM 243: a free Precor treadmill-compatible heart rate chest strap. Models 9.23 or TRM 211: a free Bluetooth-compatible heart rate chest strap. Models 9.27, 9.33, 9.35, TRM 425, or TRM 445: one year extended warranty coverage on treadmill heart rate chest strap. Click here for more information. You’ll need to file a claim quickly. The deadline is Sept. 11, 2019. Massage Envy Membership Rates Members of Massage Envy between Nov. 4, 2006 and June 7, 2019 could be eligible for part of a $10 million settlement regarding claims the company unfairly increased monthly membership rates. Plaintiffs alleged the spa increased membership fees on a continual basis without alerting customers in advance. Members also may qualify for a voucher worth $10 to $50 if they submit a request by Sept. 20, 2019. The voucher depends on the amount paid in fee increases: $10 voucher: paid $75 or less in fee increases $20 voucher: paid $75.01 to $125 in fee increases  $30 voucher: paid $125.01 to $175 in fee increases  $40 voucher: paid $175.01 to $225 in fee increases $50 voucher: paid $225.01 or more in fee increases For complete details, click here. Experian Public Records If you requested and received a copy of your credit report from Experian between Jan. 15, 2011 and Sept. 21, 2018 that included a public record (bankruptcy, judgement or tax lien), you could be eligible for free credit monitoring. Also included in this settlement are individuals who had a credit report provided to a third party (such as a lender) between Jan. 15, 2014 and Sept. 21, 2018 that included an inaccurately reported tax lien or civil judgement. Without admitting any wrongdoing, Experian has settled claims that it failed to sufficiently report civil judgement and tax lien public records due to its own inadequate procedures for obtaining the information. Consumers may receive two years of Experian IdentityWorks Plus credit monitoring service at no charge, and also may participate in a mediation program to request financial compensation. The deadline to file your valid claim is Aug. 22, 2020. Click here for more details. Seagram’s Ginger Ale  If you bought Seagram’s Ginger Ale between April 1, 2013 and June 13, 2019, you could be eligible for a portion of a $2.45 million class-action settlement resolving claims Coca-Cola falsely labeled the products as containing “real ginger. The lawsuit was filed in December 2016 alleging Seagram’s Ginger Ale products were deceptively marketed as containing real ginger, which would intentionally lead shoppers to believe the soft drinks consisted of real ginger root. The products allegedly have a chemical flavoring designed to imitate the taste of ginger and no real ginger root at all. The purchase of 2-liter bottle, a 20-ounce bottle, a 12-pack of 12-ounce cans, or a 10-pack of 7.5-ounce cans are each considered a single product.  Claims for 1-5 units will be compensated with $4. If you don’t have proof of purchase, you can claim up to 13 units per household and receive a payment of $10.40. With proof of purchase, consumers can collect up to $80 for 100 units. Click here for details and to file a claim by the Sept. 5, 2019 deadline. Enagic Unwanted Phone Calls Water filter company Enagic has agreed to a $27.6 million lawsuit settlement regarding claims the company violated the Telephone Consumer Protection Act. Eligible cla [...]
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My new favorite tee is just $7.95 shipped!!

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My new favorite tee is just $7.95 shipped!!
This post may contain affiliate links. Read my disclosure policy here. Looking for a perfect tee as we transition into the cooler months? This is it — and at a GREAT price! Cents of Style has their popular Jagger Boyfriend V-Neck Tee for just $7.95 shipped when you use coupon code JAGGER at checkout! I love these shirts!! I got two of them and have worn both of them this week! I especially love that they are long and roomy and so cute with leggings. In fact, I think I might just live in the above outfit all fall! This is their best-selling tee and it’s regularly priced at $24.95! This shirt is SUPER and really versatile! It can be worn long over leggings, tied in the front for a really cute look, tucked into skinny jeans, or layered with a long cardigan or flannel during the cooler months. And for less than eight bucks, how can you go wrong?! It comes in sizes S through 3XL, and there are over 20 color choices!! This deal is valid through September 8th, but sizes will sell out fast. Hurry! Go here to get your Perfect Jagger Boyfriend V-Neck Tee for just $7.95 shipped! [...]
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Country Living Magazine Subscription Discount

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Country Living Magazine Subscription Discount
It has been a while since we’ve seen a low price on Country Living Magazine.  But now is your chance! COUNTRY LIVING SUBSCRIPTION DISCOUNT Hurry on over and score a subscription to Country Living Magazine for just $6.99.  That is a savings of 83% off the cover price!  Enter the coupon code PENNPYINCH at checkout and you’ll ... Read More about Country Living Magazine Subscription Discount The post Country Living Magazine Subscription Discount appeared first on Penny Pinchin' Mom. [...]
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Save on Suave Professionals Hair Care at Walmart!

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Save on Suave Professionals Hair Care at Walmart!
{This post is sponsored by Mirum. Opinions are 100% my own. Read our disclosure policy here.} Are you looking for premium shampoo and conditioner that doesn’t cost a fortune? If so, be sure to check out the Suave Professionals Gold & Green hair care lines at Walmart! I had no idea that Suave Professionals is actually a salon proven formula for a variety of hair types and needs. And I love how affordable it is for people on an everyday, regular budget! Not only is this affordable to purchase at your local Walmart, but right now they are also offering 40% more for FREE in each bottle! For a limited time only, the regular bottles have been replaced with 18 ounce bottles on the shelves at Walmart — but the price remains the same! That means you’ll get 40% more for FREE in each bottle at Walmart’s regular everyday low price. Just look for the gold and green bottles of Suave Professionals to get this deal. Choose from five different lines of the Suave Professionals Gold & Green hair care: Suave Almond & Shea Shampoo and Conditioner (Green) — Infused with 100% natural almond and shea butter, this rich formula replenishes as it cleans and conditions, leaving dry hair feeling nourished. It contains 0% parabens and 0% dyes. Suave Keratin Infusion Shampoo and Conditioner (Gold) — This formula is designed to give you sleek, smooth, easy-to-manage hair and controls frizz for up to 48 hours. Suave Coconut Oil Shampoo and Conditioner (Gold) — Infused with pure coconut oil, this formula visibly repairs damage after just three uses without weighing hair down. Suave Moroccan Infusion Shampoo and Conditioner (Gold) — Infused with authentic Moroccan Argan Oil, this line gently cleanses hair, while restoring lost shine. Suave Rosemary Mint Shampoo and Conditioner (Green) — Infused with real rosemary and mint, this rich formula revitalizes hair as it cleans, leaving it feeling nourished and looking healthy. You can purchase these bottles in-stores or online at Walmart’s everyday low price. Just be sure to shop soon so that you can get 40% more for FREE!   [...]
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Amazon Prime Student | FREE 6-Month Trial!

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Amazon Prime Student | FREE 6-Month Trial!
This post may contain affiliate links. Read my disclosure policy here. Are you a college student? Check out this deal to get a FREE 6-month Amazon Prime Student membership! {Psst! Looking for other ways to save on college expenses? Check out our posts on 9 Ways to Stretch College Savings and How to Save BIG on College Textbooks.} FREE 6-Month Prime Trial for Students Amazon is currently offering a FREE 6-month membership of Amazon Prime Student to college students who have a valid .edu email address! As a student, you get access to all the regular perks of Prime! That includes FREE 2-day shipping, video streaming, Kindle Lending Library, and more. You’ll also get access to exclusive deals and promotions for college students. And after your 6-month trial is up, you can continue with a Prime membership at a 50% discount off the regular price!! Note: If you don’t want to continue after the free trial, be sure to cancel before your trial is up so that you don’t get auto-charged. Go here to sign up for FREE. [...]
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What to Do If Hurricane Dorian Hits Your Home, Mortgage

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What to Do If Hurricane Dorian Hits Your Home, Mortgage
If you’re affected by a hurricane, flood or another natural disaster, what does it mean for your mortgage? This is a pertinent question for homeowners in the path of Hurricane Dorian in Florida and nearby states. Here are frequently asked questions and answers. What should I do first? Get in touch with the following entities: The... Holden Lewis is a writer at NerdWallet. Email: hlewis@nerdwallet.com. Twitter: @HoldenL. The article What to Do If Hurricane Dorian Hits Your Home, Mortgage originally appeared on NerdWallet. [...]
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2 Programs for Homebuyers With Good Credit (but Not Much Cash)

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2 Programs for Homebuyers With Good Credit (but Not Much Cash)
Dreaming of becoming a homeowner?  While it may be fun to fantasize about what color you’ll paint the living room and which shower curtain will adorn the guest bath, there’s one important consideration to take care of first.  How are you going to finance it? Many mortgages require a sizable down payment — historically up to 20% of the full purchase price of the home. Of course, 20% of a six-figure price tag is a pretty hefty bill to foot, which is part of the reason the average homebuyer is putting down far less these days.  But not every lender will let you get your foot in the door for less cash upfront… which is why we want to introduce you to two mortgage programs that may just help you reach your homeownership goals even if a large down payment isn’t in your budget. Government-controlled corporations Fannie Mae and Freddie Mac both offer mortgage programs aimed specifically at candidates whose credit histories are good, but whose income might not allow them to save up a traditional down payment. Fannie Mae’s is called HomeReady, and Freddie Mac’s is called HomePossible.  Fannie Mae HomeReady and Freddie Mac HomePossible: How Do These Two Mortgage Programs Work? If you’ve got decent credit but don’t earn enough to have much wiggle room, one of these programs may be a fit. But how do they work — and what’s the difference between them? In a lot of ways, the two programs are very similar. Neither requires you to be a first-time homebuyer, and both allow you to finance up to 97% of the property value, which means your down payment can be as low as 3%, depending on your specific qualifications — and both make allowances that help you fork over even that small down payment from a variety of sources including gifts from relatives, government grants, or a second mortgage. And both have similar income requirements: You must make 80% or less of the median income in your area. Both programs allow non-occupant co-borrowers to help you apply for the loan, which can be helpful for those trying to help a family member relocate or buy their first home.  But as much as they share in common, there are some important differences between HomeReady and Home Possible that could help you decide which of the two to apply for. Fannie Mae HomeReady HomeReady is available to borrowers with a credit score of 620 or greater, though those with a score over 680 may get better rates.  If you have someone living with you who pays you rent, or a “boarder,” their income qualifies in determining your eligibility, as does the income of a non-resident co-borrower, which can be helpful if your earnings are low enough to endanger your approval. To qualify for Fannie Mae HomeReady, at least one borrower must complete the Framework online homeowner education program, which costs $75. According to the FAQ, your lender may provide a credit against closing costs to make up for this fee, but it’s not guaranteed. Of course, in the grand scheme of things, $75 is a pretty small price to pay for a financial product that could help you save money in the long run. Freddie Mac Home Possible Although Freddie Mac doesn’t publish its minimum credit score requirements, it does match Fannie Mae’s 3% down payment for the most qualified borrowers. However, only borrower income is counted when determining eligibility, so you can’t get a boost from the earnings of your co-borrower or spouse. (You may still be able to count your boarder or renter’s income, however.) Furthermore, the occupying borrower may own another residential property — even a financed one. And you can skip the homebuyer education requirement if at least one borrower on the loan application is not a first-time home buyer. If you are a first-time buyer and you need to meet homebuyer education courses, you can meet this requirement in a wider variety of ways: homebuyer education provided by HUD-approved counseling agencies housing finance agencies (HFAs) community development financial institutions (CDFIs) mortgage insurance companies or other programs that meet National Industry Standards for Homeownership and Counseling. There’s also an option for a free online homebuyer training offered through Freddie Mac itself called CreditSmart  – Steps to Homeownership.  FROM THE HOME BUYING FORUM 401k Loan 7/29/19 @ 10:35 AM B Knowledge Is Important When Buying A Home 7/22/19 @ 9:18 AM Can I buy a home with student loan debt? 6/12/19 @ 11:20 AM Fund my home 6/12/19 @ 1:11 PM C See more in Home Buying or ask a money question What About FHA Loans? There’s an alternative to Fannie Mae’s HomeReady and Freddie Mac’s Home Possible mortgages that you’ve probably already heard of: FHA loans.  In many ways an FHA loan is similar to the above-mentioned programs: You don’t have to be a first-time buyer, and you can score a down payment of as low as 3.5%.  And unlike the Fannie Mae and Freddie Mac products, FHA loans allow buyers with lower credit scores to qualify — though if your score is between 500-579, you’ll have to cough up a full 10%. FHA loans may also offer lower interest rates than HomeReady or Home Possible, but they often have a longer appraisal process, and unfortunately, you’ll need to pay two types of mortgage insurance: an upfront premium at closing, plus monthly premiums. Mortgage insurance can generally be cancelled through both Fannie Mae and Freddie Mac programs once your loan balance is less than 80% of the home’s value. One thing’s for certain: Buying a house can be complicated, especially if you don’t have the cash for a large down payment on hand. It’s worth shopping around and reaching out to different lenders directly to see how they can work with you and learn more about your specific rates and terms. Then, you can get back to the fun stuff — like comparing paint swatches and running your hands over carpet samples. Home, sweet home! Jamie Cattanach’s work has been featured at Fodor’s, Yahoo, SELF, The Huffington Post, The Motley Fool and other outlets. Learn more at www.jamiecattanach.com. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
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Sign up for the 14-day Back to School Fitness Challenge for just $7! {last chance!}

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Sign up for the 14-day Back to School Fitness Challenge for just $7! {last chance!}
This post may contain affiliate links. Read my disclosure policy here. Need some motivation to workout, get a little more fit, and feel more energized? Join the 14-day Back to School Fitness Challenge! It’s just $7 through the end of today! If you’ve been following me on Instagram recently, you know that I finished a 21-Day Squat Challenge. I have never done squats for 21 days in a row. In fact, I thought I despised squats. But I decided to challenge myself to sign up and do it anyway when I saw my friend, Sarah Haley, was running the challenge online. To my great surprise, I ended up actually sort of falling in love with squats. And I even got some of my best friends to join me in the challenge, too! I think my favorite part about challenge was that it pushed me but it was something I could easily fit into my life. And it made me feel so accomplished and energized. Plus, I loved the accountability of the worksheets, the videos, and the Facebook Group of women who were doing it alongside me, too. When the 21 Days of Squats Challenge was almost done, I realized that I was going to really miss having the accountability and the daily workouts planned out for me. So I reached out to Sarah Haley and said, “What’s next?? Can you please offer another similar challenge? Because I loved this one so much!” 14-Day Back to School Fitness Challenge And that’s when she told me about her 14-Day Back to School Fitness Challenge she was working on. I was all YES! YES! YES! She just launched it and I already signed up! If you need some inspiration and motivation to get in a little exercise each day, I’d love to have you sign up and join me! The workouts can be done in just 10 minutes a day — and right now, it’s only $7 to sign up for the Back to School Fitness Challenge (the price goes up tonight to $14)! When you sign up for the Back to School Fitness Challenge, here’s what you get: Downloadable Print Outs that you can print out (or save to your phone) to help you remember all the exercises and keep track of your progress. Video tutorials to teach you the correct way to perfect each exercise as well as follow-along workouts Daily accountability through check-ins on the private Facebook Group where you can share your progress and struggles with all the participants. Music playlists to keep you motivated THIS YEAR’S BONUSES: Self Care Snacks e-Book & Sweat Stretch Download (an additional $10 value) Go here to sign up for the 14-Day Back to School Challenge. But hurry, because it’s just $7 through midnight tonight on August 30, 2019! Let me know if you sign up! I’ll make sure to look for you in the Facebook Group! The workout challenge officially begins on September 4, 2019. [...]
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21 Surprisingly Simple Ways to Save Money on Pet Care

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21 Surprisingly Simple Ways to Save Money on Pet Care
We consider our cats our children. We once spent $1,000 to cat-proof a back yard so Jack and Opie could roam outside without escaping to the dangerous world beyond the fence — the life expectancy of a cat is several times longer if it doesn’t run free. Our guys have a variety of cat furniture, and they eat food that costs more than $7 per pound. Maybe you spoil your pets, too. But that doesn’t mean you can’t find ways to save money on pet care. For example, you can buy expensive food, but on sale. You can build elaborate (or simple) pet furniture, instead of paying a fortune for it. Here are some more ways to save money on your pets. 1. Buy Smaller Pets If you haven’t yet chosen a pet, consider smaller ones as a way to save money on pet care. A small dog will cost you $295 less per year than a large one ($580 vs. $875), suggests ASPCA data on pet care costs. That’s even less than a cat ($670 per year), partly because of the cost of cat litter. Of course, you could consider even smaller animals. You’ll spend an average of $200 per year on a small bird, and just $35 on a fish. Note: First-year costs for all pets are substantially higher than the figures above because of one-time costs like spaying or neutering, and buying pet carriers and other equipment. 2. Adopt Instead of Buying The breeder price for a dog is multiples higher than the cost of adopting one from a shelter. You’ll probably save money on pet care by getting your dog or cat from a shelter, and you could also save a life. Over 2 million shelter animals are euthanized in the U.S. each year. We adopted Opie from a shelter, and Jack adopted us when he was finally ready to upgrade his alley-cat lifestyle. 3. Join Pet Store Loyalty Clubs I just received a $5 gift certificate from Petco, because I used my Petco Pals Rewards card for the last $100 in purchases there. I bought food that was on sale (rewards card required, of course). Most of the major pet supply retailers have similar programs. Sign up for several if you shop in more than one place. 4. Use Discounted Gift Cards You can buy discounted gift cards on a number of good websites. Most carry cards for more than one pet supply chain. For example, you’ll find Pet Food Express on Raise and Petco on ABC Gift Cards. 5. Watch for Pet Food Sales We buy expensive cat food, because there’s a difference in quality. And evidence linking canine diseases to grains in dog food suggests you could make your pet sick and have future vet bills if you go too cheap. But even the best pet foods go on sale, so why not stock up when it costs less? You can find weekly ads for pet supply retailers online. You can also link your email address to your customer loyalty card to get sales alerts. 6. Feed Your Pets Some Human Food What do baked carrots, steamed broccoli and boiled eggs have in common? They all cost less than cat food (at least the stuff we buy) and they’re all safe and healthy for cats to eat, according to Animal Planet. WebMD has a list of people foods your dog can eat. (Not that cooking for your pets means they’re spoiled or anything.) 7. Stack Savings Tactics for Cheaper Food To really reduce the cost of pet food, try deal-stacking. For example, I recently bought our usual brand of cat food at Petco using a coupon, while it was on sale. And, I paid with an American Express card with an “Amex Offer” for a $5 statement rebate. Or, buy discounted gift cards and use them when there’s a sale — a simple strategy that could make a good sale even better. 8. Store Pet Food Properly We discovered early on that our cats refuse their food if it’s too old — and then we have to throw it away. Even if we just overfill their dishes and the remainder sits there overnight, they won’t eat it.  Check the expiration date for your pet food, dole it out a little at a time and store it properly to keep it fresh. We prefer to use up our cat food months before the expiration date. We store it tightly wrapped in the refrigerator. The cats like the food better this way (yes, we tested), and we save money not having to throw away any of it. 9. Have Your Pets Spayed or Neutered You spend money upfront to spay or neuter your pets, but there are long-term savings. For example, some of the negative behaviors associated with not spaying or neutering dogs and cats can be expensive. Unspayed cats can damage furniture and carpet by spraying urine on them to attract males. Unneutered dogs can be more violent, leading to injuries or possible lawsuits if they attack people. There’s also the obvious huge cost of not fixing those pets: puppies and kittens. 10. Call the Vet Before You Need One The worst time to find an affordable vet is when you have a medical emergency. If you love your pets, you’ll pay whatever it costs in the moment. To save money on pet care — both routine stuff and emergency treatments — choose an affordable vet before you need one. Use websites like VetRatingz.com to avoid bad vets (we can tell you from experience, they’re out there). Call the acceptable ones and ask what they charge for a basic checkup, vaccinations, teeth cleaning or other procedures. If you have an idea of what services your pet might need, ask about those. In any case, ask about a few different services so you get an idea of the general price level of each veterinary office. 11. Don’t Shop at the Vet Office In our experience, everything from cat toothbrushes to flea collars costs more at the vet’s office. You’re better off buying anything you can at a pet supply store, including any non-prescription medications or treatments. 12. Buy Pet Medications Online Many pet medications are cheaper online. Here are a few places you can fill pet prescriptions: Discount Pet Medicines PetCareRx VetDepot 1-800-PetMeds 13. When It Comes to Pet Insurance, Choose Wisely Unexpected vet bills can be the most expensive part of having a pet. Pet insurance for dogs, cats and even birds can keep the costs of pet care reasonable. While the monthly premiums are an additional expense on top of food, toys, treats and grooming, pet insurance is worth it for medical emergencies, especially serious illnesses or injuries. Like all insurance, it’s a gamble. You will likely spend more over the course of your animal’s life on monthly premiums than the cost of regular vet care if your pet is healthy.  But if your furry friend gets sick or suffers a major injury, insurance will potentially save you a lot of money on pet care. Here’s how to choose the best insurance for your pet. Pro Tip Pet insurance does not cover pre-existing conditions. If your pet has health problems, try to save the money you would spend on insurance, and instead put it into savings for future care. 14. Make Sure Your Pets Get Exercise Pets benefit from exercise just like humans. It helps keep them healthy and avoid obesity, which means fewer vet bills for you. 15. Make Pet Furniture Why buy pet furniture when you can make it for a lot less? Here are some examples of what you could build: Cat Condos Pet Beds Dog Houses Pet Stairs 16. Make Pet Toys We buy toys for our cats at least a couple times each year. The result is almost always the same: What seemed so cute and fun in the store is completely ignored by Jack and Opie. The good news is they love almost everything we make for them, especially paper balls and anything involving string. Moral of the story: Don’t spend a fortune on unwanted pet toys when you can make better ones. Here are a couple resources to get you started: DIY Dog Toys DIY Cat Toys 17. Make Your Own Pet Enclosures Want to provide a fenced area for your dog or an outdoor “catio” for your cats? Why not do it yourself? You can see one of my own creations in my post about building cat enclosures. More recently, I fenced in a patio area and cat-proofed it for $450 ($140 just for a building permit). The lowest quote I got before going it alon [...]
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{Last Chance!} Get the Eat at Home Menu Plan Service for 30% off!

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{Last Chance!} Get the Eat at Home Menu Plan Service for 30% off!
It’s the LAST DAY to get a subscription to Eat at Home Menu Planning service for 30% off! If you haven’t taken advantage of this deal yet and have been meaning to, this is your gentle reminder that you need to run over and purchase — because the deal ends at midnight! I’m just loving getting these messages from those of you who are signing up: My Top 3 Reasons I Love Eat at Home My favorite thing about the Eat at Home Menu Plan Service is that — unlike many other menu plan services — you don’t have to pick one menu plan — you get access to four complete menu plans every single week. Yes, that’s right! I also LOVE that the plans were put together with busy families in mind — and many of the recipes can be made in less than 15 minutes. Finally, the recipes are GOOD! Someone asked this morning on Facebook Live whether we like all of the recipes and I could genuinely say that we typically love 50% of them, that we like 40-45% of them, and there are just 5-10% that aren’t necessarily ones we like. I think that’s pretty impressive considering we’re feeding 5 people here who have different palates! On the Fence About Purchasing? Many of you have already purchased the Eat at Home menu-planning service and have written to tell me you are excited about all of the time and effort and money you are going to save with it. But others of you are still sitting on the fence and wondering whether it’s worth the investment. And I totally get that. I don’t want you to spend your hard-earned money on something that isn’t going to be a great fit for you. But I also don’t want you to miss this opportunity to get such a great deal… because this deal only comes around two times per year and it’s the lowest price that you’ll ever find this menu-planning service. If you’re on the fence about purchasing, I want to help you out. Here are three steps I encourage you to take to make sure this is for you: 1. Leave a Comment… I’m Here to Answer Your Questions! I will be checking comments here this afternoon and evening and am happy to answer your questions about the Eat at Home menu-planning service. Just leave a comment and ask whatever questions you have. I’ll personally do my best to answer your question or to find out the answer for you! And trust me, I will be incredibly honest with you and let you know if I don’t think this menu-planning service is a good fit for you. 2. Download the Sample Menus Want to see some samples of what the Eat at Home menu-plan service is like? You can view a sample menu plan for each of the 4 different menu plans you’ll get when you sign up for this service. Just go here to check out the sample menu plans here. 3. Try it Out for 30 Days Eat at Home offers a full 30-day money-back guarantee. So if you think the service might work for you but you’re not sure, I recommend that you go ahead and signed up and try it out for a week to see if it will work. If it doesn’t, you can just email in and ask for your money back — no questions asked! Have Picky Eaters? Someone asked in the Eat at Home Facebook Group whether the Eat at Home Menu-Planning Service would work if you have picky eaters. I can’t promise or guarantee you anything, but here were some of the responses: You can go here to read the rest of the responses to this question. What You Get When You Sign Up When you sign up for the Eat at Home Menu plan service (it’s just a few dollars per week — or less!), each month, you’ll get: An entire month of No Flour, No Sugar menu plans, including weekly grocery lists and printable recipe instructions An entire month of Traditional Menu Plans, including weekly grocery lists and printable recipe instructions An entire month of Slow Cooker/Instant Pot Menu Plans, including weekly grocery lists and printable recipe instructions (this is my favorite!) An entire month of Whole Food Menu Plans, including weekly grocery lists and printable recipe instructions Each menu plan comes with recipes created for small family (3-4 servings) and large family (6-8 servings) Color-coded grocery lists make it easy to swap out ingredients or whole meals Printable Menus to hang on the fridge or near your calendar, so you can easily see what’s for dinner that week and your family can, too Access to the entire month at once! 1 Hour Freezer Stash Plans – a new plan each month to stock your freezer with 6 meals in 1 hour! You can choose to stick with just the traditional menu plan or just the slow cooker menu plan or just the whole foods menu plan or just the no flour, no sugar menu plan. Or, you can rotate different menu plans on different weeks, depending upon what you feel like cooking or how much time you have! Go sign up here — and use coupon code YES at checkout to get 30% off! That makes the annual plan just $1.13 per week! If you have any questions about the Eat at Home Menu Plan service, just leave a comment and I’ll do my best to answer your question promptly! P.S. Don’t forget, the Eat at Home Menu Plan service is only on sale until tonight at midnight! Use coupon code YES at checkout to get 30% off — that’s the lowest price you’ll get this year! Find more details on these fantastic menu plans here. Note: Some of the links in this post are affiliate links. If you click through and make a purchase, we will receive a commission — at no additional cost to you! Thank you for your support. [...]
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This Week’s $70 Grocery Budget + Our Menu Plan

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This Week’s $70 Grocery Budget + Our Menu Plan
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. Did you see that the Eat at Home Menu Plan service is on sale for just $1.13/week for the next few days? I love this menu plan service and think it is so fantastic if you need quick and easy menu plans that are family friendly and affordable. You get access to 4 different menu plans (No Sugar/No Flour, Instant Pot/Slow Cooker, Traditional, and Traditional Wholesome) AND you get a color-coded grocery list for each menu plan every single week! If you want to get some ideas of how this menu plan works and what the recipes are like, I’ve been making the recipes this week on live video. Here are three of them that I made: Slow Cooker Teriyaki BBQ Chicken Instant Pot Chicken Sandwiches Slow Cooker King Ranch Chicken Kroger Shopping Trip #1 Ground Beef — marked down to $4.29 2 bags of apples  — marked down to $0.99 1 bag of onions — marked down to $0.99 Santa Cruz lemonade — $0.99 when you buy 5 participating items 2 Nourish bowls — marked down to $1 each 1 carton of Siggi’s — marked down to $0.99 Milk — $2.69 3 boxes of Cheerios — $1.49 each when you buy 5 participating items, used $1.50/3 coupon = $0.99 each Corn Chips — $0.99 when you buy 5 participating items, used $0.45/1 coupon that Kroger emailed me = $0.54 Diced tomatoes — $0.50 Teriyaki sauce — $2.29 Total with tax: $19.57 My Toilet Paper Order I ordered the toilet paper deal and it came in this week. I paid just $19.49 for the equivalent of 128 regular rolls! We should be stocked up for awhile! By the way, this deal is still available! Check out all of the details here. I was excited about the Friday-Saturday deals at Kroger — including a stock-up price on butter ($1.99 per pound!) I bought 5 and stuck them in the freezer! Kroger Shopping Trip #2: 4 dozen Simple Truth Organic eggs — $1.99 each with Friday-Saturday coupon 5 pounds butter — $1.99 each with Friday-Saturday coupon Detergent — $1.49 Whole Wheat bread — marked down to $1.29 1 bag of grapefruit — marked down to $0.99 Tomato puree — $0.89 Tomato sauce — $0.99 1 bag of clementines — marked down to $0.99 Tub of Baby Spring Mix — marked down to $1.79 Total with tax $28.04 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, Whole Wheat Banana Bread, Eggs,  Yogurt Lunches: Ham Sandwiches, Granola Bars, Yogurt, Capri Sun, Salad, Leftovers, Fruit Snacks: Cookies, Popcorn, Ice Cream, Go-Gurts, Fruit, Cheese, Whole Wheat Banana Bread Dinners: Sunday — Fend For Yourself Monday —Tortilla Chicken Soup with crackers & cheese,  fruit Tuesday — Slow Cooker Teriyaki BBQ Chicken over noodles, fruit Wednesday — Instant Pot Chicken Sandwiches Thursday — Slow Cooker King Ranch Chicken over noodles, green beans, fruit Friday — Spaghetti, fruit Saturday — Leftovers Total spent on groceries: $67.04 Cashback earned this week: 50 points for submitting my receipts to Fetch rewards [...]
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Fisher-Price Think & Learn Rocktopus

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Fisher-Price Think & Learn Rocktopus
This is such a cute toy that you can grab a great deal on right now. This toy is also educational so your child is learning while having fun. You can order the Fisher-Price Think & Learn Rocktopus for only $25.99. You will be saving 57% on this purchase because it is usually $59.99. Be ... Read More about Fisher-Price Think & Learn Rocktopus The post Fisher-Price Think & Learn Rocktopus appeared first on Penny Pinchin' Mom. [...]
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Nurses: Check Out These Student Loan Forgiveness Options Just for You

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Nurses: Check Out These Student Loan Forgiveness Options Just for You
Nursing requires patience. (Get it? Patients? Sorry, couldn’t help myself.) But besides patience, it also requires a lot of money to complete a degree. The average cost of tuition for an 18-month Licensed Practical Nurse (LPN) program is about $10,000 to $15,000 nationally. Registered Nurses (RN) who get an associate’s degree typically take two to three years at an average cost of $31,000. Those who get a bachelor of science or beyond can expect to reach six-digit price tags, depending on their school.   The good news is that there are options for student loan forgiveness for nurses. Here’s what you need to know. Student Loan Forgiveness Programs for Nurses Consider this a lesson in supply and demand: The best option for receiving loan forgiveness is to work in an area where there’s a shortage of nurses.  Some programs are relegated to only registered nurses or those with an advanced degree, so know the requirements before you apply. The Health Resources and Services Administration (HRSA) administers two loan repayment assistance programs specifically for nurses: the National Health Service Corps Loan Repayment Program and Nurse Corps Loan Repayment Program. Nurse Corps Loan Repayment Program (NCLRP) The Nurse Corps Loan Repayment Program is designed to help nurses who can commit to two to three years of work where there is a critical shortage of nurses in the U.S. Depending on your level of need and where you work, you can get up to 85% of your U.S. nursing education debt paid by this program. The biggest downside to this loan: The award is taxable; however, federal taxes can be deducted from the amount.  Who’s Eligible for the Loan? You’ll need to be a licensed registered nurse, advanced practice registered nurse or nurse faculty to qualify.  The awards are tier-based, categorized by where there is the greatest shortage of nurses, and preference is given to those in most financial need. For an initial two-year commitment to working in a Critical Shortage Facility or serving as nurse faculty in an eligible school of nursing, you can receive an award of up to 60% of your loan balance.  Depending on availability, you’ll have the option to extend to a third year to receive an additional 25% of your original balance.  Which Loans Are Eligible? All federal loans and private commercial loans that covered tuition and reasonable expenses for your nursing education are eligible, so long as none has been in default. You must be a U.S. resident and have attended an accredited school of nursing in a U.S. state or territory to be eligible for this program.  How to Apply Submit your application through the Bureau of Health Workforce portal.  National Health Service Corps Loan Repayment Program The NHSC Loan Repayment Program offers two big benefits that the NCLRP doesn’t: The award is not taxable. You’re eligible for the program if you work full time or part time. However, the program’s eligibility requirements are fairly steep and employment is restricted to NHSC-approved service sites. Who’s Eligible for the Loan? For nurses, the program is limited to nurse practitioners, psychiatric nurse specialists and certified nurse mid-wives.  Like the Nurse Corps, this program is tier-based according to areas where there is a shortage of nurses. Working full-time at the highest tier can earn you up to $50,000 for two years of service, while part-timers can receive up to $25,000. You must be a U.S. citizen or U.S. national to be eligible for this program.  Which Loans Are Eligible? Outstanding government (federal, state or local) and private student loans for undergraduate or graduate education are eligible. How to Apply The 2019 deadline has closed, but you can sign up to receive notification when the next application cycle begins.  Alternative Nursing Loan Forgiveness Options Beyond the feds, other loan forgiveness options are available specifically to nurses. But again, these programs have restrictions and often require you to serve where there’s a shortage. State- and School- Forgiveness Programs Almost every state has at least one type of student loan forgiveness program that’s designed for those in public service fields, and most have loan forgiveness options specifically for nurses who are willing to work in underserved areas. How to Apply Check your state’s Department of Health website for eligibility and application requirements. You can also contact your college’s financial aid or alumni office to find out about forgiveness program options in your state and at your school.  FROM THE DEBT FORUM The Snowball Method for Paying Off Debt 1/11/19 @ 12:58 PM Guide to on-line debt consolidation 7/24/19 @ 11:19 PM Debt Reduction Plans? 7/31/19 @ 1:05 PM Student loans!! 8/9/19 @ 1:07 PM J See more in Debt or ask a money question Employer-Driven Loan Forgiveness Programs Some hospitals offer loan forgiveness awards to nurses, but eligibility requirements can include holding an advanced degree, having a specific loan type or working in a specialized department.  For instance, Duke University Health System’s Nursing School Student Loan Forgiveness Program awards full-time registered nurses up to $25,000 if they work in procedural areas. How to Apply In addition to asking the HR department at your hospital, you can check out this directory of hospitals with loan forgiveness programs. Other Loan Forgiveness Programs for Public Service Some of these programs aren’t restricted to nurses, but they are typically reserved for those in some type of service profession (like teachers or firefighters). Perkins Loan Cancellation The Perkins Loan Program ended on Sept. 30, 2017, but nurses and medical technicians with outstanding Perkins loans may still qualify for cancellation.  A visit to your tax accountant is worth the investment if you’re considering loan forgiveness, since your net worth is typically the deciding factor as to whether the forgiven amount is taxable. As a nurse you can qualify for up to 100% for five years of eligible service, depending on the type of loan you have and the date of the loan. How to Apply Contact the school where you obtained the Perkins Loan to learn its specific rules and application process.  Public Service Loan Forgiveness The Public Service Loan Forgiveness has gotten a lot of press lately because many of the early applicants found out they didn’t actually meet the requirements — the acceptance rate is hovering around 1%, according to a recent NPR report. However, we’ve covered which questions you need to ask to make sure you qualify for Public Service Loan Forgiveness. And the good news is that the Public program does not restrict nurses to a specific program or area — you will need to be employed by a government or non-profit organization, though.  The terms “forgiveness” and “cancellation” essentially mean the same thing: You are no longer required to make payments on your loan because of your job.  You’re eligible to qualify for loan forgiveness after 120 payments, and you’ll need verification from your employer for each year of qualification. How to Apply Login to the Federal Student Aid site and use the Public Service Loan Forgiveness tool to determ [...]
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ESL Teachers: Here’s What You Need to Know About TEFL Certifications

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

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Field & Stream Magazine Subscription Discount
Snag a great deal on a subscription to Field & Stream Magazine! FIELD & STREAM MAGAZINE SUBSCRIPTION DISCOUNT Now through 8/21/19 (11:59 pm EST), you can score Filed & Stream Magazine for as $4.99 per year!  That is a savings of 85% off the list price! Add a subscription for one, two or three years to ... Read More about Field & Stream Magazine Subscription Discount The post Field & Stream Magazine Subscription Discount appeared first on Penny Pinchin' Mom. [...]
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These 6 Stores Buy Used Clothes. Here’s How to Get the Best Cash Offer

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

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

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

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

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

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

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Low Price on Elle Magazine Subscription!
Here’s a great deal for the popular Elle Magazine, get it for only $4.99 per year. That’s a savings of 89%! Just enter coupon code PENNYPINCH at checkout and watch the price drop! Elle Magazine is the ultimate shopping and lifestyle guide for today’s modern woman. Devoted to the sophisticated and well-traveled woman, Elle features the hottest ... Read More about Low Price on Elle Magazine Subscription! The post Low Price on Elle Magazine Subscription! appeared first on Penny Pinchin' Mom. [...]
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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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EXPO Low-Odor Dry Erase Markers, Ultra Fine Tip (8 count) only $5.80!

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EXPO Low-Odor Dry Erase Markers, Ultra Fine Tip (8 count) only $5.80!
This post may contain affiliate links. Read my disclosure policy here. Grab a set of these EXPO Low-Odor Dry Erase Markers, Ultra Fine Tip for this great price! Amazon has these EXPO Low-Odor Dry Erase Markers, Ultra Fine Tip (8 count) for only $5.80 right now! This is a great deal on these markers! Sign up for a free trial of Amazon Prime to get free 2-day shipping. And don’t forget you can sign up for Swagbucks to earn free gift cards to use on deals on Amazon. Looking for more Back to School Amazon deals? Paper Mate Pink Pearl Erasers, Large, 12 Count for just $4.29 Ticonderoga Pencils, 96-count for just $9.96 Thermos Funtainer 10 Ounce Food Jar in Teal for only $9.03 EXPO Low Odor Dry Erase Markers, Chisel Tip (16 count) for only $10.94 Learning Resources Calendar & Weather Pocket Chart for only $17.63 BIC Xtra Smooth Mechanical Pencils (40 count) for only $6.63 Skip Hop Zoo Kids Unicorn Insulated Lunch Box for just $8.88 Westcott School Left and Right Handed Kids Scissors (12 pack) for only $9.98 when you clip the $2.50 off e-coupon! Elmer’s All Purpose School Glue Sticks, Washable, 60 Pack for just $14.87 Crayola Washable Gel Pens, 14 count for only $7.94 Be sure to check out all of the Best 2019 Back To School Deals! Don’t forget you can also sign up for our daily email newsletter to get all of the best back to school deals emailed to you every week! And be sure to check out my post on 5 Simple Ways to Save on Back to School Deals. Thanks, Passionate Penny Pincher! [...]
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Truman’s Non-Toxic Household Cleaners Starter Kit for just $7.50 shipped!

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

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

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

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Fisher-Price Thomas & Friends Adventures, Space Robot Set
Have a little one that loves Thomas & Friends Adventures? This would be a great deal to grab now and use as a gift idea during the holidays! You can order the Fisher-Price Thomas & Friends Adventures, Space Robot Set for only $10.67. You will be saving 57% on this purchase because it is usually ... Read More about Fisher-Price Thomas & Friends Adventures, Space Robot Set The post Fisher-Price Thomas & Friends Adventures, Space Robot Set appeared first on Penny Pinchin' Mom. [...]
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Popular Science Magazine Subscription Discount

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

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

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How to Have a Stronger Marriage
Want to have a stronger marriage? In this episode, Jesse and I talk about our #1 tip for building a stronger relationship and having less conflict and disagreements. Missed previous episodes of The Crystal Paine show? You can listen to them here. Jesse and I are so very, very different. And I love it so much (well, most of the time!) Case in point: Jesse and I went to Home Depot recently to pick out lighting fixtures for the bathroom renovation. I walked in, scanned the shelves, and picked the first fixture that was inexpensive and looked like it would match. Jesse, on the other hand, had spent at least an hour beforehand looking at multiple websites, researching brands, and comparing options. Then, in store, he analyzed the pros and cons, price, and durability of each potential lighting fixture. Even though our differences can sometimes drive each other batty, the longer we’ve been married, the more we appreciate how our unique perspective compliments the other. For instance, if I were the only one in charge of choosing a lighting fixture, my lack of research and hasty decision-making would land us with a lemon of a light fixture that wouldn’t work well and wouldn’t last. On the other hand, if Jesse were solely in charge of picking out a light fixture, he’d probably still be in Home Depot right now… because there’s always something else you need to research. And that’s why we need each other. He’s the slow down to my hurry up. And I love him so much! When we stop trying to change our spouse and instead appreciate the gift that their differences bring to our life, it transforms our marriage! In this episode, we share more about how learning to see, accept, and embrace our differences has changed our marriage in such a powerful way. And we share how this can apply to all relationships. In This Episode:  [00:26] – We’re back! Hear about our foray into fostering through respite care. [03:48] – What’s saving our lives? For Jesse it’s the YNAB app. For me? It’s Waze. [11:41] – Jesse talks about a book he just finished and I read a poignant excerpt of a book I just finished that goes hand-in-hand with our last episode. [16:33] – Today Jesse and I share about our number one tip for creating a stronger marriage (well, Jesse isn’t quite sure about that!) [19:20] – We discuss one of the things that has caused the most conflict in our marriage and how it has played out over the years. [22:09] – Trying to change your spouse never works… it only creates more conflict and tension. [22:55] – The secret to healthier, happier relationships? Recognize, own, and embrace your differences and see them as a gift. Links and Resources: YNAB app Waze app Backlash: A Thriller Preach to Yourself: When Your Inner Critic Comes Calling, Talk Back With Truth Crystal’s Favorite Things on Amazon CrystalPaine.com MoneySavingMom.com Crystal’s Instagram account (I’d love for you to follow me there! I usually hop on at least a few times per day and share behind-the-scenes photos and videos, my grocery store hauls, funny stories, or just anything I’m pondering or would like your advice or feedback on!) Have feedback on the show or suggestions for future episodes or topics? Send me an email: crystal@moneysavingmom.com How to Listen to The Crystal Paine Show The podcast is available on iTunes, Android, Stitcher, and Spotify. You can listen online through the direct player we’ll include in the show notes of each episode. OR, a much easier way to listen is by subscribing to the podcast through a free podcast app on your phone. (Find instructions for how to subscribe to a podcast here.) Ready to dive in and listen? Hit the player above or search for “The Crystal Paine Show” on your favorite podcast app. Note: This post contains affiliate links. If you click through and make a purchase, we may receive a small commission — at no additional cost to you. Thank you so much for your support! [...]
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Mrs. Meyer’s Liquid Hand Soap Refill, Basil (33 oz) only $4.89 shipped!

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

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

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6 Ways to Save Money at Culver’s
Love Culver’s? Don’t miss out on these 6 easy ways to save money at Culver’s! {Also be sure to check out 16 Ways to Save More at Restaurants and our Master List of Restaurants Where Kids Eat Free!} Guest post from Bridgitte of BrigitteBrulz.com Ask anyone in my immediate family what their favorite restaurant is and Culver’s is the answer! It’s something we all agree on! What’s not to love about ButterBurgers and fresh frozen custard? Well, if you are on a tight budget… possibly the price. On the rare occasion my family does go out to eat, we often end up at Culver’s. As a result, I have learned a few tips to save money on those Culver’s visits. 1. Buy kid’s meals. One of the easiest ways to save money at Culver’s is to eat kid’s meals. Even adults can purchase a kid’s meal at all of the Culver’s I have visited. Less calories, less cost, and enough to fill my belly (but not my husband’s who does order from the “adult” menu). Each kid’s meal automatically comes with a coupon for a free scoop of custard and a Scoopie token. Just don’t forget to take the coupon and token off the side of the kid’s meal bag before throwing it away! You can save ten Scoopie tokens to get a free kid’s meal later. You can also save the free scoop of custard coupon for a future visit. It’s nice being able to go out as a treat for just custard and not having to pay anything! I keep the coupons and tokens in an envelope in my purse (along with gift cards) until I am ready to use them. If you are automatically charged for a drink with the kid’s meal but prefer water, you can ask for a cup for water (free) and bring the carton of milk (included in the meal) home to use later. 2. Sign up for their e-mail list. If you want to save money at Culver’s, be sure to sign up for their email list! Those signed up for a free MyCulver’s account receive coupons, updates, a monthly flavor forecast, and coupons for free custard on each family member’s birthday by email. The monthly flavor forecast gives you a calendar of the “flavor of the day” for each day of the month for your local Culver’s. Just keep in mind those flavors are only for your local Culver’s. If you are traveling, you can find the flavor of the day for any other Culver’s on the Culver’s website or the Culver’s App. 3. Purchase Culver’s gift cards during the holidays. Culver’s typically runs a promotional deal on gift cards just before Christmas. For each gift card you purchase (at the amount required), you receive a free value basket coupon. You can keep the free value basket coupon for yourself and give the gift card to someone else for Christmas. You can also purchase the gift cards for yourself to use throughout the year (and still keep the free value basket coupons)! 4. Use expired coupons. One of my tricks to save money at Culver’s is to not throw away my expired Culver’s coupons! You may want to ask your local Culver’s if they will accept expired coupons, but all of the ones I have asked have accepted them. The birthday coupons for free custard typically state they expire in two weeks. The free value basket coupons received with the gift cards at the end of the year typically state they expire at the end of February. BUT, since my local Culver’s accepts expired coupons, I don’t have to use them (or throw them away) until we are ready to use them. 5. Fill out the survey on your receipt. Sometimes the receipts will have information about taking an online survey. If your receipt does, you can go online, answer the questions about your recent visit, and receive a code for a free scoop of custard. Write the code at the bottom of the receipt and bring it in the next time you want a a scoop of custard (possibly on a day that has your favorite flavor of the day). 6. Only go if you have coupons and/or gift cards. I typically purchase a set number of gift cards at the end of the year (when Culver’s has their gift card promotion) using money set aside for that. We also get Culver’s gift cards as gifts from others who know we enjoy Culver’s. Those gift cards and coupons last us for the entire next year of Culver’s visits. If we don’t have a gift card or free custard/free value basket coupons, we don’t go! What are your best tips to save money at Culver’s — or your favorite restaurant? Brigitte Brulz is a homeschooling mom, creator of Reading Journals for kids, author of the book Pickles, Pickles, I Like Pickles, and freelance writer. She offers free coloring pages, activity ideas, and more on her website at www.brigittebrulz.com. [...]
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Free Printable Back to School Shopping Planner

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Free Printable Back to School Shopping Planner
Grab this free planner to help with all your Back To School shopping! Download a free printable Back to School Shopping Planner! It includes budget pages, sales trackers, price trackers, shopping lists, and more. 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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Garden & Gun Magazine | Low Price!

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Garden & Gun Magazine | Low Price!
We’ve tracked down a new discount offer for Garden & Gun Magazine! for only $4.99! GARDEN & GUN SUBSCRIPTION DISCOUNT For a limited time, you can save 89% off your subscription to Garden & Gun magazine!  Now through 7/27/19 (11:59 pm EST), you can order this popular title for just $4.99 per year.  Enter the coupon ... Read More about Garden & Gun Magazine | Low Price! The post Garden & Gun Magazine | Low Price! 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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Woman’s Day Magazine Discount

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Woman’s Day Magazine Discount
Woman’s Day magazine is a popular title that has been around for years!  We’ve been able to find a great deal for you! WOMAN’S DAY MAGAZINE SUBSCRIPTION DEAL Until 7/23/19 (11:59 pm EST), subscribe to Woman’s Day Magazine for just $4.95 per year!  That is a savings of 89% off the retail price. Head over ... Read More about Woman’s Day Magazine Discount The post Woman’s Day Magazine Discount appeared first on Penny Pinchin' Mom. [...]
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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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How to Pay for a Coding Boot Camp

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How to Pay for a Coding Boot Camp
Coding boot camps are short-term training programs with big price tags. For a typical 15-week coding boot camp, you’ll pay an average of $11,906 for in-person programs, according to Course Report, a coding boot camp review site. Coding boot camps are run by for-profit companies and are not accredited schools. That means the boot camps aren’t overseen... Anna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. The article How to Pay for a Coding Boot Camp originally appeared on NerdWallet. [...]
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These States’ Tax-Free Holidays Mean Big Savings on Back-to-School Shopping

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These States’ Tax-Free Holidays Mean Big Savings on Back-to-School Shopping
Back-to-school shopping may be exciting for the kids who’ll get new gear, but less so for the parents who have to pay for it all. The National Retail Federation estimates the average household with kids in elementary through high school is expected to spend about $697 on new clothes, shoes, electronics and school supplies in 2019.  Some shoppers will be able to find a little financial relief this summer as 16 states hold tax-free holidays during July and August, saving consumers from paying sales tax on certain school-related items. Now, you may not save a ton of money by shopping during tax-free holidays. For example, if you bought $500 worth of clothes, shoes and school supplies during Florida’s tax-free weekend in a county where the sales tax is 6%, you would save only $30. But what parent wouldn’t want to save 30 bucks?   And if you use the tax-free holidays in conjunction with smart comparison shopping and deal-stacking, you’ll save even more on your back-to-school supplies.   Some states’ tax-free holidays are held over a weekend, while others are a week long. Each state has different criteria for what merchandise won’t be taxed, and many states require the purchases to be under a certain price threshold. Tax-Free Weekends: When, Where and What The states that have back-to-school tax-free weekends (or weeks) this year are Alabama, Arkansas, Connecticut, Florida, Iowa, Maryland, Massachusetts, Mississippi, Missouri, New Mexico, Ohio, Oklahoma, South Carolina, Tennessee, Texas and Virginia. Alabama When: July 19-21 What is tax-free:  Clothing and shoes — $100 or less per item.  Books — $30 or less per item.  School supplies — $50 or less per item. Computers and related equipment — $750 or less per item.  Arkansas When: Aug. 3-4 What is tax-free: Clothing and shoes — less than $100 per item.  Clothing accessories — less than $50 per item. School supplies — no price threshold, but must be on a state-approved list. Connecticut When: Aug. 18-24 What is tax-free:  Clothing and shoes — less than $100 per item. Florida When: Aug. 2-6 What is tax-free:  Computers and certain electronics — $1,000 or less per item.  Clothing, accessories and shoes — $60 or less per item. School supplies — $15 or less per item. Iowa When: Aug. 2-3 What is tax-free:  Clothing and shoes — less than $100 per item. Maryland When: Aug. 11-17 What is tax-free:  Clothing and shoes — $100 or less per item. Bookbags/backpacks — the first $40 is tax-free. Massachusetts When: Aug. 17-18 What is tax-free:  Most consumer products — $2,500 or less per item. Clothing — Massachusetts does not charge any sales tax on clothes under $175 year round. Mississippi When: July 26-27 What is tax-free:  Clothing and shoes — less than $100 per item. Missouri When: Aug. 2-4 What is tax-free: Clothing and shoes — $100 or less per item. School supplies — $50 or less per purchase (exception: graphing calculators must be $150 or less). Computers and related equipment — $1,500 or less per item.  Computer software — $350 or less. FROM THE SAVE MONEY FORUM Summer Is Here: Is Your Electric Bill Affected by Running the AC? 7/17/19 @ 4:08 PM Do You Ever Pick up A Stray Penny? 2/7/19 @ 5:27 PM Do drive-in movie theaters save you money? 7/1/19 @ 7:38 PM What to buy (and not buy) from Fourth of July Sales 2019 6/27/19 @ 1:00 PM M See more in Save Money or ask a money question New Mexico When: Aug. 2-4 What is tax-free:  Clothing, accessories and shoes — less than $100 per item.  School supplies — less than $30 per item (exceptions: backpacks, maps and globes must be under $100 and calculators must be under $200). Computers — $1,000 or less per item.  Computer hardware — $500 or less per item. Ohio When: Aug. 2-4 What is tax-free:  Clothing and shoes — $75 or less per item. School supplies — $20 or less per item. School instructional materials — $20 or less per item. Oklahoma When: Aug. 2-4 What is tax-free:  Clothing and shoes — less than $100 per item.  South Carolina When: Aug. 2-4 What is tax-free: Clothing, accessories and shoes — no price threshold. School supplies — no price threshold. Computers and related equipment — no price threshold. Bedding, pillows, bath towels, wash cloths and shower curtains — no price threshold. Books and musical instruments — no price threshold (if they are for school assignments). Tennessee When: July 26-28 What is tax-free:  Clothing and shoes — $100 or less per item.  School supplies — $100 or less per item.  Computers — $1,500 or less per item. Texas When: Aug. 9-11 What is tax-free:  Clothing and shoes — less than $100 per item. School supplies — less than $100 per item. Virginia When: Aug. 2-4 What is tax-free:  Clothing and shoes — $100 or less per item. School supplies — $20 or less per item. 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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My Completely Honest KiwiCo Review (plus get 40% off your first box!)

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My Completely Honest KiwiCo Review (plus get 40% off your first box!)
This post may contain affiliate links. Read my disclosure policy here. Interested in KiwiCo reviews — or maybe specifically a Kiwi Crate review (since that’s the most popular box)? If you’re interested in trying a KiwiCo box for your kids, check out my completely honest thoughts below! And be sure to scroll to the bottom to get a promo code for 40% off your first box! {And if you’re looking for more honest reviews, you might be interested in my Montessori by Mom review and JellyTelly review. You can also check out my top 10 recommended subscription boxes for kids and my top 13 recommended magazine subscriptions for kids.} What is KiwiCo (formerly Kiwi Crate)? If you’re looking for some really unique ways to keep your kids entertained, I highly recommend KiwiCo! In case you’ve never heard of KiwiCo, it used to be called Kiwi Crate but after expanding and adding on so many different types of boxes, they rebranded to be called KiwiCo. KiwiCo is a monthly subscription service that offers kid’s educational projects, crafts, and activities on different themes. You can get a subscription for as low as $16.95 per month — including shipping. Each box includes all the materials to make a fun hands-on project (or 2-3 simpler projects, depending on the box!). What age range is it for? The original Kiwi Crate was designed for kids ages 5-8, but they’ve now added on so many different options! KiwiCo offers monthly crate subscriptions for various ages: Tadpole Crate for ages 0-3 years (Explore & Discover) Koala Crate for ages 3-4 (Play & Learn) Kiwi Crate for ages 5-8 (Science, Art, & More) Atlas Crate for ages 6-11 (Geography & Culture) Doodle Crate for ages 9-16+ (Art & Design) Tinker Crate for ages 9-16+ (Science & Engineering) Eureka Crate for ages 14-104 (Engineering & Design) The two most popular crates (at least in our house!) seem to be Kiwi Crate and Tinker Crate, but I love that they have choices for different ages and preferences! My Honest KiwiCo Review If you’re looking for completely honest Kiwi Crate reviews, I’m here to tell you that my kids have been using KiwiCo for years and absolutely LOVE it. They received it as a gift one year and loved it so much that they continued requesting it as a gift each year after that! I have fond memories of them running to the mailbox in excitement and anticipation to see what would be in this month’s Kiwi Crate box. I still remember how much Silas loved the very first Kiwi Crate box we received in the mail! He made a glow worm from a sock and named it “Billy Butler” after one of his favorite Royal’s baseball players. Since we’re a family that has never had a lot of toys, the KiwiCo boxes have been a great fit for us. It’s really nice that they’re mostly consumable and don’t contribute to toy clutter around the house. I also really love how hands-on, educational, unique, and entertaining they are. And they always have really great instructions for kids (and parents) to follow. Even as they’ve gotten older, they still really enjoy getting the boxes in the mail. (And I love that KiwiCo has now added on some really cool boxes for older kids!) In fact, we recently received a Kiwi Crate and Tinker Crate in the mail and ended up taking it with us on our family vacation in Utah. Our nieces and nephews loved working on the projects together and all gave it a thumbs up! (How’s that for an honest Kiwi Crate review? 😉) It was so much fun and such a great way for them to all do a hands-on activity together! How much does Kiwi Crate cost? The one negative thing I have to say about KiwiCo is the cost. (But be sure to scroll down for a coupon code to save on your first box!) While my kids have absolutely loved their Kiwi Crate boxes, we’ve always received them as gifts from grandparents. And I do think that they’re a little bit on the expensive side — especially if you’re on a tight budget. Most of the boxes cost $19.95 per month and you can get them for as low as $16.95 per month if you buy an entire annual subscription at once. {The Eureka box costs even more at $29.95 per month or $24.95 per month if you purchase an annual subscription.} This is why I think a KiwiCo subscription is a GREAT idea for grandparents as birthday or Christmas gifts! And you can purchase different lengths of subscriptions, depending on your budget — one month, three months, six months, or an entire year. Save 40% off your first KiwiCo box! If this honest KiwiCo review made you interested to try it, I’ve got a great deal for you! You can get 40% off your first box as a MoneySavingMom.com reader when you shop through this link. That makes your first box just $11.97 shipped. And there’s no obligation to continue with your subscription after your first box. Just log in to your account and cancel your subscription before it renews at the regular price. This is a great way to try KiwiCo at a discounted price and see if your kids like it! Have you tried Kiwi Crate before? If so, what was your experience? Related Links: Top 10 Subscription Boxes for Kids Top 13 Magazine Subscriptions for Kids 5 Reasons I’m Glad We’ve Chosen to Not Have Many Toys 5 Simple Ways to Cut Down on Toy Clutter 10 Non-Toy Gift Ideas for Kids Non-Toy Gift Kids: 10 More Ideas 10 Experience Gifts for Kids Top 10 Toys for a Minimalist Family 145 Non-Toy Gifts for Every Age My Completely Honest Review of Montessori By Mom Toolboxes My Completely Honest JellyTelly Review medianet_width = "600"; medianet_height = "120"; medianet_crid = "568454786"; medianet_versionId = "3111299"; [...]
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Fisher-Price Think & Learn Smart Scan Word Dash

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Fisher-Price Think & Learn Smart Scan Word Dash
  Wow, this looks like a fun game for kids and right now you can grab a great deal on it! You can get the Fisher-Price Think & Learn Smart Scan Word Dash for only $12.55 right now! You will be saving 58% on this purchase because this is typically $29.99! Not only will your child be ... Read More about Fisher-Price Think & Learn Smart Scan Word Dash The post Fisher-Price Think & Learn Smart Scan Word Dash appeared first on Penny Pinchin' Mom. [...]
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Here’s How to See If Your Old Pokemon Cards Are Worth Something

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Here’s How to See If Your Old Pokemon Cards Are Worth Something
The resurgence of Pokemon — thanks to a new movie and video game set for release soon  — has young adults rummaging through their closets in hopes of finding their old collection of trading cards. And, if they’re lucky, a rare card that could make them a fortune. The 1996 video game-turned-Japanese-anime-turned-trading-card-game series holds a special place in the hearts of ‘90s kids, who cherished the furry creatures with elemental powers that could be traded and battled and hoarded for years to come. For Scott Pratte, a Pokemon enthusiast and card-trading expert, the hobby never dimmed. Pratte, 31, collects and sells some of the most treasured Pokemon cards in the world. “I’ve done 7-figure deals,” Pratte says. “That’s just one deal, not even my lifetime” earnings. Due to nondisclosure agreements, he can’t say exactly which cards have made him the most money, but he says that his trophy cards, aka the rarest Pokemon cards on the market, easily rake in upwards of $1 million. Only a select few people hold these trophy cards, usually those who won Pokemon tournaments in the early 2000s and were awarded ultra limited edition cards. But there are a fair amount of more common Pokemon cards that could sell for hundreds or even thousands of dollars. Pokemon Cards Worth Selling The two biggest value factors to consider about old Pokemon cards are their rarity and condition. In terms of rarity, “base-set” cards are where the money is for most collectors, and these cards are the most traded ones in the hobby. Set cards are “any card you can pull from a pack” bought from the store, says Pratte. The base set comprises the original 102 cards printed in 1999 and includes classic Pokemon like Pikachu, Blastoise, Charizard and Venusaur. A complete first-edition base set in mint condition sold for $100,000 in December 2017. If you have a base-set card in your collection, there are a few visual indicators of its worth. Holographic cards: These are the most discernable at first glance. The background of the Pokemon illustration is shiny and reflective — not the whole card, only the picture of the monster. They’re typically referred to as “holo” cards, and only 16 of the original 102 are holo. First-edition cards: Directly next to the left corner of the illustration appears the “edition 1” logo. These cards were bought up shortly after initial release and remain some of the rarest and most sought-after cards. Shadowless cards: This version is almost identical to the first-edition prints but exclude the first-edition logo. If you don’t have a newer card for comparison, this is particularly hard to notice: the illustration box appears 2D. On newer cards, the picture box has a shadow along the right border to give it a 3D appearance. Unlimited cards: These cards are still old and rare, but they do not include the first-edition symbol and have an added shadow behind the illustration to give the picture box a 3D effect. To check if your card is part of the base set, look at the bottom right corner of the picture box. If you do not see one of the many later-added set symbols, then you have a base-set, Unlimited card. The second important factor in a card’s value is the condition. If you do happen to have a first-edition, holographic base-set Charizard, you’re not guaranteed thousands of dollars. The price it fetches depends on how well the card has been taken care of. If you have a card that you expect is worth more than $100, Pratte recommends getting it graded by Professional Sports Authenticator (PSA). Despite its name, the PSA grades all kinds of trading cards, including non-sports cards like Pokemon. PSA’s 10-point grading scale is accepted as the industry standard, and the company also publishes price guides to help determine a card’s worth. According to its current valuations, first-edition cards in perfect condition are valued at a minimum of $40. Those aren’t rarer, holographic cards either. A first-edition holo in mint condition can rake in between $1,000 and $24,000. So why Pratte’s $100 limit? Well, the number isn’t a hard-and-fast rule, but the card-grading services offered by PSA will cost $20 or more per card, meaning a lower-value card doesn’t always merit the cost to get it authenticated. “It’s a process,” says PSA spokesperson Terry Melia. “But it’s something that could reap big rewards in the end.” In addition to grading the condition of the card, PSA ensures the card isn’t a forgery by using high-powered lights and magnifying equipment to check for tampering. “There are a lot of forgeries and bogus merchandise out there,” says Melia. Especially so online. FROM THE MAKE MONEY FORUM How I Get 5/6 Customers To Leave Reviews (All Positive) 7/11/19 @ 6:26 PM S Need advice on working from home 6/14/19 @ 12:35 PM Pls help 7/9/19 @ 1:33 PM tutoring business 6/16/19 @ 10:17 PM See more in Make Money or ask a money question Where to Sell Pokemon Cards After you’ve done some homework — checking the type of card, estimating its value and sending it in for authentication, if needed — you’re finally ready to sell. “The main marketplace is for sure going to be eBay,” Pratte says. “Even if you’re someone who just stumbled upon your childhood collection, it’s really easy to take a couple of pictures [and] make a decent listing.” The PSA’s grading system and authentication make selling online much easier. This process allays fears that the card is a fake and curbs arguments over its true condition. Each authenticated card comes in a protective case with the grade and barcode clearly visible at the top. As Pokemon re-enters mainstream culture with the release of new video games and movies, expect to see an uptick in buying and selling activity of old cards. But interest doesn’t pick up overnight. “It’s not binary in that sense,” Pratte says. Instead, it’s a more gradual process where each new Pokemon-related release reminds twenty- and thirty-somethings of their childhood: the crinkling sound of ripping open a new pack of cards followed by a strong whiff of ink as they shuffle through the set, hoping to find something rare. Pratte offers this caution about getting rich overnight: “Be realistic.” “If you put in little or no effort back in the day,” he says, “you probably don’t have the homerun card.” But as you rummage through your collection, remember that there’s no rush to purge now. Spend some time with your cards. See if they’re valuable. Consider getting them authenticated. Then decide if they’re worth selling. After two decades, Pokemon — and its card-collecting hobbyists — aren’t going anywhere anytime soon. Adam Hardy is a staff writer at The Penny Hoarder. He specializes in ways to make money that don’t involve stuffy corporate offices. Read his ​latest articles here, or say hi on Twitter @hardyjournalism. 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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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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Reduce the Pain at the Pump With These 20 Ways to Save Money on Gas

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Reduce the Pain at the Pump With These 20 Ways to Save Money on Gas
Filling up the gas tank can be a thoroughly miserable experience as you watch the counter flip past $40, then $50, and keep on going.  But you can save money on gas based on where you fill up, how you pay, when you visit the gas station, how you drive and even the condition of your car. We’ve compiled 20 smart tips to help you spend less on fuel. You could save hundreds of dollars over the course of a year. How to Save Money on Gas at the Pump The biggest savings will be evident in the price you pay at the gas station. So it’s worth shopping around and employing a bit of strategy before filling up. 1. Use Apps to Find the Cheapest Gas You don’t want to buy gas at one place and then come across a station with cheaper fuel just down the street. Several websites and apps tell you the price of gasoline at the stations in your area. GasBuddy and Waze are two popular options.  Look for the cheapest gas stations along any of the routes you normally drive for work or shopping. Don’t wait until your tank is near empty and be forced to buy gas wherever is closest.  The price of gas can vary significantly across state lines, so if you’re planning a trip, check where prices are lower throughout your route. Avoid getting gas at stations just off a highway exit or in the middle of a major city — stations in those locations tend to charge more than ones a little more out of the way. 2. Skip the Premium Option Higher-octane gas isn’t necessary or beneficial in most cars, so you’re just spending more money when you buy premium. Premium gas can cost about 20 to 40 cents per gallon more than regular-grade fuel. Use regular-grade gasoline unless your car’s manufacturer specifically requires premium. 3. Join a Fuel Rewards Program Many gas station chains and grocery stores across the country offer fuel rewards programs to try to turn you into a loyal customer. Each gas station fuel rewards program and grocery store fuel rewards program has its own set of rules on how much you can save and what you have to spend in order to get the rewards, so read up on the details.  GasBuddy also offers its own fuel savings program called Pay with GasBuddy. Join for free, and you’ll  save 10 cents per gallon on your initial fill-up and 5 cents per gallon on every subsequent fill-up. You can also sign up for paid versions (Pay with GasBuddy Plus is $4.99 a month and Pay with GasBuddy Premium is $6.99 a month) to save 20 cents per gallon. (Note: Exxon Mobil, BJs, Costco, Sam’s Club, H-E-B, select Walmart stations, select Arco stations and some small, local gas stations don’t accept the Pay with GasBuddy card.) 4. Use a Rewards Credit Card When you fuel up, choose a credit card that pays you cash back or one that allows you to earn rewards points when you purchase gas. Just be sure you know what you’re getting into before opening a rewards credit card. Pay the fuel charges off in full each month so you’re not paying interest on your gas purchases. 5. Use Cash Instead of a Card Some gas stations charge a lower price per gallon if you pay with cash rather than a card. It’s their way of avoiding card processing fees. While some stations will let you pay the cash price if you use a debit card, others won’t. Check with the gas station before you swipe your card, or simply use cash when it’s time to fill up. 6. Use Free or Discounted Gift Cards You can earn gift cards or cash from survey sites like Swagbucks or Survey Junkie. You can also purchase discounted gift cards from sites like Raise or Gift Card Granny. 7. Fill Up Early in the Week According to a 2018 GasBuddy gas price analysis, gas prices tend to be the lowest on Mondays. Sundays and Tuesdays are also good days to buy cheap gas. Avoid filling your tank on Thursdays or Fridays when gas prices tend to be the most expensive. How to Save Money on Gas With Better Driving Habits How frequently you drive and how you operate your vehicle both play a role in how much you spend on gas.  8. Share Rides If you live near your co-workers and have similar schedules, take turns driving so you can all drive less each week. Organize a carpool with neighbors or friends to transport your children to school or extracurricular activities, and swap driving duties among the parents. Less time on the road means less gas used and more money saved. 9. Plan Routes Plan your shopping trips and other outings in efficient ways to reduce your drive time. If the grocery store is near your job, do your shopping after work rather than waiting until the weekend. Do your errands all in one day rather than making several trips on different days. Cutting a few miles several times weekly can add up to hundreds of miles saved annually. That could save a fill-up or two. 10. Reduce Your Idle Time Don’t start the car and then leave it running for a long time while you wait for everyone to get in or to fiddle with your navigation. Make sure you’re ready to go before starting your engine. Idling just wastes gas and causes more air pollution. FROM THE SAVE MONEY FORUM Do You Ever Pick up A Stray Penny? 2/7/19 @ 5:27 PM Do drive-in movie theaters save you money? 7/1/19 @ 7:38 PM What to buy (and not buy) from Fourth of July Sales 2019 6/27/19 @ 1:00 PM M Airfare 6/24/19 @ 5:19 PM See more in Save Money or ask a money question 11. Accelerate Slowly and Coast More Be gradual when you’re speeding up or slowing down. Generally, the faster you accelerate, the more gas you use. Be gentle on that pedal when getting up to highway speed. You’ll also get better mileage by coasting more, so plan ahead for stops and turns. Take your foot off the gas a bit sooner, and slowly glide to a stop. This actually works. 12. Use Cruise Control — Sometimes When it’s hilly you might get better mileage without cruise control, because the system will tend to downshift too much and waste gas. But otherwise, cruise! Staying at a steady speed with cruise control has been shown to save on fuel usage — plus you can make sure you don’t go over the speed limit. 13. Reduce the Use of Your Heater and Air Conditioning Blasting the heat in the winter or the A/C in the summer has an effect on your fuel economy, so keep that in mind. There’s a long-running but still inconclusive debate about whether using air conditioning or rolling down the windows contributes more to increased fuel consumption, since wind resistance from open windows creates drag on your vehicle.  When driving low speeds you may want to cool down by lowering your car windows, but if you’re driving on the highway (or even driving above 30 miles per hour), you might be better off with the air conditioner on and the windows up. 14. Slow Down Following the speed limit or driving just under it can pay off in more ways than you might think. The faster you drive, the more wind resistance you face, which reduces your fuel economy.  How Your Car Affects How Much You Spend on Gas The condition of your car makes a difference in gas consumption. Learn how to keep your ride in money-saving shape. 15. Check Tire Pressure Having underinflated tires can lower your gas mileage and cause you to lose about 2 cents per gallon, according to the U.S. Department of Energy. To find the proper tire [...]
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*HOT* Ring Alarm System 5-Piece Kit for just $119 shipped!

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*HOT* Ring Alarm System 5-Piece Kit for just $119 shipped!
This post may contain affiliate links. Read my disclosure policy here. If you’ve been wanting a Ring Alarm System, this is SUCH a great deal! Prime members can get the Ring Alarm System 5-Piece Kit for just $119 shipped as a Prime Day deal. This is a HOT deal because the lowest price we’ve seen prior to this is $159 — which was last year’s Black Friday pricing! If you’ve been in the market for one of these, this is a GREAT time to grab it. Sign up for a free trial of Amazon Prime to take advantage of this Prime Day Deal and get free 2-day shipping! And don’t forget you can sign up for Swagbucks to earn free gift cards to use on deals on Amazon. Go here to see all of the current Prime Day 2019 Deals. [...]
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The Secret to Getting Dollar Store Items for Free

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The Secret to Getting Dollar Store Items for Free
At most types of stores, a $1 coupon shaves a buck off the price you pay for an item. But at the dollar store, a $1 coupon gets you something for free. Yes, you can use coupons at many dollar stores. Major chains offer their own coupons or accept manufacturer coupons — or both — as we detail in “7 Secrets to Saving More at the Dollar Store.” So in theory... [...]
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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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Vogue Magazine Discount

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Vogue Magazine Discount
Today, you can pick up a subscription to  Vogue Magazine at the lowest price we’ve seen in some time! VOGUE SUBSCRIPTION DISCOUNT You can order a subscription to Vogue magazine for just $5.99 per year!  That is a savings of 83% off the cover price.  If you happen to already subscribe, you can renew at this ... Read More about Vogue Magazine Discount The post Vogue Magazine Discount appeared first on Penny Pinchin' Mom. [...]
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*HOT* Adventure Academy Annual Subscription for just $4.99 per month!

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*HOT* Adventure Academy Annual Subscription for just $4.99 per month!
This post may contain affiliate links. Read my disclosure policy here. Whoa!! Do you have elementary or middle school aged kids who love online gaming? Be sure to check out this great deal on an annual subscription to Adventure Academy!! You can currently get an annual subscription to Adventure Academy for just $59.99 — which is like paying $4.99 per month! This is regularly priced at $110, so this is a HUGE savings! It’s like getting 5 months for free at the regular price. Adventure Academy is a brand new MMO game created specifically for kids in elementary and middle school. It features thousands of enjoyable learning activities that kids can discover on quests through an interactive virtual world. Developed by the top video gaming designers and crafted by a team of curriculum experts, Adventure Academy is a highly engaging and creative platform that focuses on building critical knowledge and skills in language arts, math, social studies, science, and more! Adventure Academy features thousands of educational learning activities, such as videos, reading experiences, games, quizzes, and many other interactive elements— all within the frameworks of U.S. (and international) curriculum standards. I checked it out and it plays a lot like an adventure game (think Zelda!) but within an educational framework. It’s really cool! Go here to take advantage of this RARE deal on Adventure Academy. Psst! If you’re not quite ready to take the leap and pay for a subscription, you can instead get a FREE 30-day trial! [...]
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Read Up, Parents! 14 Simple Ways to Get Free Kids’ Books

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Read Up, Parents! 14 Simple Ways to Get Free Kids’ Books
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. What’s better than curling up with a good book? Or, better yet, a series of books? “Little House on the Prairie,” “The Baby-Sitters Club” or “The Boxcar Children,” anyone? But books can get pricy. How can you find books for your little ones to read without spending a fortune? By getting free books, of course. While it’s great to support authors whenever possible, sometimes buying new books just isn’t in the family budget — and you don’t want to deprive your kids of the love of reading How to Get Free Books for Kids Use these strategies to get free books for kids. Some are physical books and others are PDFs or ebooks, but they all offer great ways to give kids access to a wide variety of reading material — without spending a cent. 1. Imagination Library Dolly Parton loves reading so much, she wants every child to have the opportunity. In 1995, the country music superstar started Imagination Library to give free books to children in her home county in Tennessee. She wanted to help preschool-aged children develop a love of reading, even if their families couldn’t afford books. In 2000, she expanded the program, partnering with local communities to send more than 60 million books to kids in the U.S., Canada and the U.K. Local partners include preschool programs, libraries and service organizations along with many other groups. To get free books for your child, check the program availability in your area, then follow the instructions to get registered. 2. Free Kids Books Download free PDFs from this online library of kids’ books. With picture books for toddlers, books with pictures and words for bigger kids and chapter books for young adults, this site has something for everyone. You can even get coloring books. The site recommends printing the PDFs and stapling the pages together — or reading them on a tablet or other electronic device. Titles include classics like “The Tale of Mrs. Tittlemouse” by Beatrix Potter and  newer ones like “Wilbur the Lost Whale,” about a whale who reunites with his family in a conservation area. 3. Barnes & Noble Summer Reading Program Kids in first through sixth grades can earn a free book by filling out the Summer Reading Journal. Just have your kids read eight books and write about their favorite parts of each one in the journal. Bring the journal into a local Barnes & Noble between Aug. 1 and Aug. 31, and your kids can pick out a book from a selected list. 4. Read Conmigo Immerse your children in pre-k through fifth grade bilingual reading by signing up for Read Conmigo. If you live in California, Florida or Texas, the program will mail you a book every four months. Online resources like bilingual activities and educational tools are available to everyone, regardless of location. The program also offers free ebooks that are compatible with most Apple iOS, Amazon Kindle and Android devices. More than 108,000 parents have signed up for the program since it started in 2011. 5. Little Free Libraries Neighborhoods all over the country are adding Little Free Libraries. These small shelves allow people to share books and always have something new to read. Find a free library near you, leave a book you’ve finished and grab a new one to share. Different libraries will have different offerings. 6. Craigslist, Freecycle and Facebook If you’re looking for some kids’ books, why not put up a “wanted” post on Craigslist, Freecycle or even Facebook? Plenty of people have books they’re not using and would be happy to share, but it’s not on their minds unless you ask. 7. Libraries Of course, your local public library has plenty of books to borrow for free. This is a great option for families who like to constantly switch up their reading selections. But some libraries will even have books you can keep, such as older books they’re planning on tossing out. Ask your local librarian if they may have any available. FROM THE SAVE MONEY FORUM Do You Ever Pick up A Stray Penny? 2/7/19 @ 5:27 PM Do drive-in movie theaters save you money? 7/1/19 @ 7:38 PM What to buy (and not buy) from Fourth of July Sales 2019 6/27/19 @ 1:00 PM M Airfare 6/24/19 @ 5:19 PM See more in Save Money or ask a money question How to Get Free Online Books for Kids Ebooks are increasingly becoming more popular with readers, and that includes young ones.  Here are several sites where you can find free online books for kids. 8. Amazon Free Books Amazon has a ton of free kids’ books available for Kindle downloads. Just search for “children’s books, Kindle edition” and sort price “low to high” to see all the freebies. Plenty of books are available to download, from “Wiggly the Worm” to “Diary of a Private School Kid.”  A couple of other sites also make it easy to find free kids books in Kindle format, including eReaderIQ and Goodreads. 9. Amazon Prime Kindle Owners’ Lending Library Amazon Prime members can borrow books for free through the Kindle Owners’ Lending Library, which allows users to borrow one book each calendar month. The program offers a wide range of kids’ books to pick from, but you’ll need a Kindle (and a Prime membership) to read them. 10. Project Gutenberg While mostly for older kids, Project Gutenberg has a wealth of free downloads available. Type “children” in the search field and classic kids’ books will appear, from “The Tale of Peter Rabbit” to “Peter Pan” to “Anne of Green Gables” and many other favorites. The site offers a total of over 59,000 ebooks to download for free, including many books for kids. 11. ManyBooks Launched in 2004, ManyBooks aims to create an extensive library of digital books that are available for free on the internet. The site adds new books on a near-daily basis, including an entire section dedicated to kids’ books The books are available for download in a variety of formats and can also be read on the site itself using ManyBooks’ online ereader. 12. Free Children Stories The founders of Free Children Stories set up the site in 2008 as a way of offering quality storytelling to every child, parent or teacher with internet access. The site has a variety of books for all ages, and even offers audio readings of the books for kids who like having a grown-up read to them. 13. Read.gov The Library of Congress has put dozens of classic kids books online for free, including “Anne of Green Gables” and “White Fang.” The ebooks can be read using the Library’s online e-reader, and the ebooks themselves are scans of the original books held in the library’s collection. 14. International Children’s Digital Library The International Children’s Digital Library was established to provide a collection of digital children’s books from around the world. It contains more than 4,600 books in 59 languages, including Spanish, French, Farsi and even Mongolian. Kristen Pope is a freelance writer and editor in Jackson Hole, Wyoming. Editor Caitlin Constantine contributed to this post. This was originally published on The Penny Hoarder, wh [...]
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Don’t Toss Your Receipts. These 8 Apps Will Pay You for Them

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Don’t Toss Your Receipts. These 8 Apps Will Pay You for Them
Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. We’ve got news: Your grocery receipts are a lot more valuable in your hand than in the trash.  Now, I’ll be honest… I’ve crumpled more receipts than I could ever count. I used to save them all, but the inside of my wallet started looking like something George Constanza would be proud of.  Once it got out of hand (like having years-old receipts…), I resorted to tossing them. Here’s why that was a mistake: Cash-back apps make it extremely easy to earn rewards for making purchases you were already going to make — and all you need is a receipt. 8 Apps That Will Pay You for Your Grocery Receipts  To give you an idea of how cash-back apps can make your life easier and your wallet a bit fuller, we tested a ton of them and narrowed it down to the best, top-rated apps that will pay you for your grocery receipts. Ready?  1. Fetch: Get Rewards for Any Purchase Fetch Rewards is an app for iOS and Android that will reward you for scanning your grocery receipt from any store. All you have to do is shop, snap and go.  Every time you scan a receipt that includes one of more than 250 participating brands, you’ll earn points — without worrying about matching specific product offers. No scanning barcodes; no searching for offers; no grocery store limitations.  Once you collect enough points, cash out for a gift card to retailers including Amazon, Airbnb, Best Buy and more. For example, 10,000 points will get you a $10 Sephora gift card. Or 3,000 points will get you a $3 Panera Bread card. If you’re feeling generous, the app also lets you use your points to make a donation to a charity of your choice.  Oh, and keep in mind you must scan your receipt within 14 days!   Pro Tip Enter the code PENNY to earn a $2 (2,000 points) sign-up bonus! 2. Ibotta: Earn Cash Back for Snapping a Photo (Plus a $20 Bonus!) Ibotta is traditionally known as a cash-back app for groceries — and you can still earn a heap of cash on your next haul — but you can also earn cash back on just about anything you purchase.  Whether you’re catching a Lyft, ordering something on Amazon or buying off-brand items at your favorite grocery store, you can earn cash back on a number of purchases in the store and online. Occasionally, you’ll find freebie offers in the mix, too. All you have to do is take a photo of your receipt or shop through the app.  Bonus: You’ll pocket a $20 sign-up bonus after redeeming your first 10 offers within 14 days. Pro Tip To avoid overspending, make your list first, then see if the app has available offers for what you need. Hit $20, then cash out via PayPal or Venmo, or opt for a gift card to a popular retailer like Amazon, Best Buy, Target or Walmart. 3. Paribus: Find Your Hidden Money  You know those confirmation emails that inundate your inbox after you’ve done some online shopping? Yeah, you might want to stop deleting those. Here’s why: Paribus gets you money back for your online purchases. It’s free to sign up, and once you do, this tool will scan your email for any receipts. If it discovers you’ve purchased something from one of its monitored retailers, it will track the item’s price and help you get a refund when there’s a price drop. Pro Tip If your guaranteed shipment shows up late, Paribus will help you get compensated. Disclosure: Paribus compensates us when you sign up using the links we provide. 4. Drop: Get a $5 Head Start Toward Your Rewards for Shopping The best kind of savings are the kind where you don’t have to switch up your routine. Or even better, when you get rewarded for doing things you were probably going to do on your own… for free. That’s just one thing that makes Drop so appealing.  All you have to do is link your credit and debit cards (no coupon clipping or hoarding receipts!), and shop through the app. When you make a Drop-qualified purchase, you’ll automatically earn points, even if you only hailed an Uber or ordered a pizza. The app also has a “Try Something New” section that showcases new offers for you to try, and you get paid just for testing them out. To qualify, you must be a new customer to the featured offers, and you have to sign-up through the app. Each offer rewards you in points (1,000 points = $1), which you can redeem for gift cards to your favorite retailers, like Amazon, Sephora, Hotels.com and more.  Pro Tip Get started with 5,000 free Drop points by signing up with code TPH through Dec. 31.  5. Receipt Hog: Turn Any Receipt Into Cash  Just take a picture and earn a reward — yup, that’s it.  Receipt Hog accepts receipts for nearly any in-store purchase from groceries, clothes, electronics and even gas. You can earn a variety of rewards: Coins (cash rewards), spins (earn bonus coins or other prizes) and sweepstakes (monthly cash prizes). Once your rewards balance is at least 1,000 coins, or $5, you can redeem your coins for cash or Amazon gift cards. U.S. participants can also redeem their coins for magazine subscriptions. 6. SavingStar: Double Your Rewards at Your Favorite Store You have a go-to. You know the aisles, when the bakery will have fresh bread and when your favorite deals will be available, because it’s your store.  The next time you go shopping, take the SavingStar app with you. It’s basically a perfect match for grocery store loyalists because, depending on where you shop with your store loyalty card, you can connect it to earn automatic rebates. If you frequent BJ’s, Family Dollar, Safeway or Walmart (to name a few), all you have to do is scan your store card to link and activate your rebates. Then you’re done! Saving Star takes care of the rest. Otherwise, just scan receipts to claim your rebates. Once you collect $20, transfer the money to your bank account, or cash out via PayPal. You can also choose to donate your earnings to charity. 7. Checkout 51: Let Your Receipt Get You Cash Back and Weekly Savings  Is your shopping style less about loyalty and more about wherever you can get the best deal? Same. In that case, Checkout 51 is a great cash-back option.  Redeem the app’s cash-back deals for specific products from any retailer (unless the offer specifies otherwise). If you prefer to shop online, Checkout 51 makes it easy to earn there, too. Just claim your offers by snapping a photo of your packing slip. No need to shop through a portal. Checkout 51 updates its offers each Thursday, giving you a week to get your shopping done. Oh, and the app tends to focus on name-brand items, so don’t forget to compare prices. Generic or store brands might be more affordable even without a rebate. Once you have earned at least $20, you can transfer your Checkout 51 rewards to cash in your bank account. 8. BerryCart: Score Cash Back for the Extra You Spent on Clean Eats If organic food is mostly what fills your grocery cart, BerryCart is perfect for you — it’s an app that specializes in finding you the best deals on gluten-free, organic and non-GMO food.  BerryCart works at more than 100,000 stores nationwide, including health-focused stores like Whole Foods, and also at everyday stores like Walmart and Target. As long as you have an itemized receipt that states which products you purchased, BerryCart will accept it. Keep in mind there may be a limited selection of offers, but depending on your shopping habits, the app can still be useful because it features products other apps don’t. Your cash back will be deposited into your account within 24 hours and can be redeemed for gift cards or PayPal cash with a minimum rewards balance of $5. Maximize Your Rewards With These Tips Cash-back apps are pretty simple, for the most part, but there are still some clever ways to make the most of your rewards. Here are a few tips to help you get started: S [...]
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Beyond eBay and Etsy: 5 Online Flea Markets You’ve Never Heard of

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Beyond eBay and Etsy: 5 Online Flea Markets You’ve Never Heard of
Where can you find antique Pez dispensers, hot vintage heels and (finally!) the perfect lamp to match your weirdly patterned bedspread — all on sale for just a few bucks? I’ll give you a hint: It’s not Walmart. At least, not my Walmart. (And if yours fits the bill… would you let me know where you live?) No, it’s your favorite online flea market. A New Way to Browse: Online Flea Markets Not only are regular flea markets wacky and wonderful, but their goods are usually pre-owned, pre-loved and dirt cheap. In short, they’re a Penny Hoarder’s dream. But it’s 2019. You turn to your laptop (or, let’s be real, your smartphone) for everything from takeout to taxi rides to a date for Friday night.  So it’s no surprise there’s a whole world of online flea market shopping out there. And it’s just as quirky and addictive as the real thing — especially since you can see it all with just a few clicks.  Of course, a few of these flea market sites are industry giants you almost certainly already know about.  There’s eBay, which is nearly 25 years old. (I know!) Although it bills itself primarily as an online auction site, many of its listings are available for immediate sale — and it seems you can find just about anything you might desire. And there’s Etsy, which is sort of like eBay’s quiet, artsy little sister who wears a lot of black eyeliner while weaving flower crowns. You probably already know that Etsy specializes in homemade, handmade goodies, but it’s also a treasure trove for lovers of all things vintage.  In fact, Etsy has a whole category devoted to vintage items from games and toys to clothing — and it’s well-organized enough that you can specifically browse bolo ties, fedoras or marbles. Sites like Amazon and Craigslist also play a part in the game, connecting buyers to individual sellers in their area or abroad. But if you really want to get your hands dirty and score some killer (read: very weird) online flea market finds, you’ll have to look beyond the big guys. 5 Online Flea Markets You Might Not Have Heard of Yet We checked out a variety of smaller online flea markets and compared inventory, prices and user experience to help you find the best deals at the digital folding table.  Here’s what we found out. 1. Fleabay A bit like a cross between Craigslist and eBay, Fleabay (a .net domain!) lists items from all over the world — and includes categories as diverse as rental properties and ride shares. There’s even a free stuff section.  The list of prohibited items includes wine, credit cards and “human parts and remains.” Used airbags are merely “questionable,” though. Fleabay’s listings feature little more than an item description, location, the seller’s information and an expiration date. Shipping or local pickup is arranged on a per-listing basis, and you reach out to the poster directly.  The most frustrating thing? A number of the categories were empty of listings — but there’s no way to tell that without clicking through. There’s also no baked-in way to make an offer on an item; if you’re interested, you’ll have to fill in an online contact form. 2. vFlea  Compared to other online flea markets, vFlea feels the closest to actually thumbing through junk until you find a treasure — before leaning across the table to make a bid. The interface is also a touch more polished. Each listing’s thumbnail specifies whether items are shippable or for local pickup only and also includes an asking price. The platform has built-in “buy now” and “haggle” options, and even an opportunity to “barter” with goods of your own.  Items are organized by tags as well as categories, creating better searchability and organization. The site populates the number of listings currently available in each category in parentheses, so no mysteries there. Finally, vFlea still has some weird stuff available, although it draws the line at community events. For instance, you could make an offer on this hilltop timeshare in Indiana, which apparently can be shipped or picked up locally. The asking price is $21,000.   3. Bonanza Although Bonanza has a very similar interface to eBay, it doesn’t offer bidding or bartering options.  It does, however, list categories for everything from home goods to collectibles, including coins and paper money.  And there’s also a wonderful category called “Everything Else,” with subsections like “Metaphysical” (which features a $330 haunted bracelet) and “Weird Stuff” (hey, this is perfect for Halloween!)  There’s even a “Vintage” section under fashion so you can easily shop for those precious duds from another era. 4. Srchie Love the hunt for bargains but not so much the web surfing? Srchie does the work for you, scanning — or searching, get it? — online flea markets across the web, including eBay, Amazon and Goodwill.  Narrow your search by categories like Vintage, Furniture and Books — including first editions — and the site will display externally linked images to the sellers’ sites. You can identify who’s selling by the logo in the top left corner and find the price and the posting date at the bottom of the image before clicking through to the seller’s site.  It’s a convenient way to browse the marketplace and compare prices without opening 4,287 tabs. FROM THE SAVE MONEY FORUM What to buy (and not buy) from Fourth of July Sales 2019 6/27/19 @ 1:00 PM M Do drive-in movie theaters save you money? 7/1/19 @ 7:38 PM Airfare 6/24/19 @ 5:19 PM SAVING MONEY ON A FIXED INCOME 6/7/19 @ 1:31 PM See more in Save Money or ask a money question 5. Poshmark  Although it’s not exactly an online flea market, per se, Poshmark allows you to make the seller a custom offer — just like at a flea market table! It offers a wide variety of fashion and home accessories, as well as themed parties for buying and selling your stuff. Like most online consignment shops, Poshmark require you to log in to browse their goods, but they’re free to browse and generally feature low shipping costs.  Digital secondhand shops like ThredUp have a lot to offer if you’re looking for fashionable items on the cheap. You can buy (and sell!) gently used, high-quality, brand-name clothes and accessories for a fraction of the price you’d find in stores or online. Jamie Cattanach (@jamiecattanach) is a freelance writer. Staff writer/editor Tiffany Wendeln Connors contributed to this post. 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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Melissa & Doug Let’s Play House Pretend Play Set only $21.99 shipped!

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Melissa & Doug Let’s Play House Pretend Play Set only $21.99 shipped!
This post may contain affiliate links. Read my disclosure policy here. This Melissa & Doug Let’s Play House Pretend Play Set would make such a fun gift idea! Amazon has this Melissa & Doug Let’s Play House! Dust! Sweep! Mop! Pretend Play 6-Piece Set for only $21.99 shipped when you clip the $5 off e-coupon! This is a great price for this set that includes a broom, mop, duster, dustpan, hand brush and stand to keep them all neat and organized. Sign up for a free trial of Amazon Prime to get free 2-day shipping. And don’t forget you can sign up for Swagbucks to earn free gift cards to use on deals on Amazon. Thanks, Hip2Save! [...]
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The Staples Price Match Guarantee — Even on Back To School Supplies!

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The Staples Price Match Guarantee — Even on Back To School Supplies!
This post may contain affiliate links. Read my disclosure policy here. Did you know about Staples Price Match Guarantee? This is especially useful during back to school season! {Be sure to check out all the best Back to School Deals that we’re posting each week!} Staples Price Match Guarantee Staples offers a 110% price match on just about everything in-store — which means they’ll match any competitor’s price plus give you an extra 10% savings! (Note: this is valid in-store only, not online.) It’s super easy to take advantage of their price matching: Find a lower price at one of their competitors. Bring in proof of the lower price. Present it to a Staples associate to receive that item at 10% lower than the competitor’s price. The Staples Price Match Guarantee also allows you to be refunded the difference of an item if you find a lower price within 14 days of your purchase! You can go HERE for more information and fine-print details on how their price matching works. Back to School Shopping at Staples This is super helpful during the Back to School season, as it basically allows you to shop all the ads at various stores, find the best deals, and then price match them at Staples for the absolute lowest price!! If you’re willing to take the time to take advantage their price matching, it can really save you money to buy all your Back to School Supplies at Staples! Have you ever tried this at Staples? Let us know in the comments how it worked out for you! 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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Amazon Music Unlimited 4-Month Membership just $0.99!

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Amazon Music Unlimited 4-Month Membership just $0.99!
This post may contain affiliate links. Read my disclosure policy here. As an early Amazon Prime Day deal, you can get a HOT deal on an Amazon Music Unlimited membership! {Did you see that you can also get a FREE 3-month subscription to Kindle Unlimited right now?!} If you’re a Prime member who has never tried Amazon Music Unlimited, you can currently get a 4-month subscription for just $0.99! This is a HOT deal, because you get 30 days for free and then pay $7.99 each month after that. That means you’re saving $22.98 with this deal! With this music streaming service, you’ll get: Completely ad-free music streaming. Tens of millions of songs and thousands of expert-programmed playlists and stations. The ability to listen to any song, anytime, anywhere, on all your devices – smartphone, tablet, PC/Mac, Fire TV, and Alexa-enabled devices like Amazon Echo. Personalized recommendations based on your listening habits. Offline listening with downloadable songs and playlists. The hottest new releases from today’s most popular artists. The choice of an individual or family plan. *Note: After your first 4 months of Amazon Music Unlimited, your plan will automatically renew at the monthly rate of $7.99 per month. If you don’t wish to continue at the full price each month, be sure to cancel before your first 4 months is up. Valid ONLY for Prime members who are new subscribers, through July 16th. Go here to get started with your 4-month subscription. Psst! Are you ready for Amazon Prime Day?! [...]
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10 Simple Ways to Cut Your Grocery Bill

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10 Simple Ways to Cut Your Grocery Bill
Need some practical ideas to cut your grocery bill? Here’s a list of 10 simple ideas to shave money off your grocery budget. Looking for more tips? Check out my post on 25 Ways to Save Money on Groceries and my $70 Grocery Budget posts. photo by KitAy Guest Post by MaryEllen from Centsible Savings While picking up my milk for the week, I stopped to consider how many people might wonder why I was digging all the way to the back of the refrigerated section. Then I started thinking about how easy it is for anyone to reduce their grocery budget just by following a few simple guidelines. I’m not talking about spending hours every week clipping coupons and scouring the sale papers for deals. These are simple strategies that everyone can use to help keep their food costs down: 1. Look toward the back of the refrigerated section for the latest-dated milk, cheese, meat and other perishables. It certainly won’t help you cut expenses if your food goes bad and you have to throw it out and buy more. 2. Buy whole milk and mix it with water. It will taste different at first, but you’ll get used to it after a while. If you can bring your taste buds to agree to mixing your milk half and half with water then you’re getting two gallons for the price of one! (Note: Keep in mind that if you have young children, watering down your milk will affect the nutrition of it.) 3. If you’re buying individual fruits (e.g. apples, oranges, etc.) by the pound, pick out the smallest ones. The total weight will be less, and therefore you won’t pay as much, but you won’t notice the difference when you’re eating your apple. 4. Shop early in the morning if at all possible. That is when you’ll find most of the marked down produce, meat, and bread. Even if you can’t shop in the morning, be sure to still keep an eye out for products that have been marked down. 5. Don’t buy too much produce at one time. Produce (especially if it has been shipped a long distance) will not last very long before it has to be thrown out. Try to buy only enough for about one week at a time. 6. If you find a good sale on something you normally buy that has an extended shelf-life or freezer life, stock up. Why wait until later and pay full price when you can buy several now at a much lower price? 7. Be creative and cook with what you have on hand. Make your weekly menus based on what is already in your pantry or freezer. Then you’ll just need to buy a few ingredients to fill in the gaps. 8. Make a list and stick to it when you shop. Unplanned “extras” add up very quickly. 9. Consider how badly you really need something. For example, it doesn’t really take any longer to make pancakes or biscuits from scratch than from a box mix. Yet those box mixes often quite a bit more than just buying the ingredients would cost. (Cooking from scratch is much better for your health, too!) 10. Use coupons. Like I mentioned earlier, I’m not talking about spending hours each week on clipping coupons and scoping out deals. But if something is on your list, you should at least check to see if there is a coupon out for it. A good place to check is the coupon database. You’ll be surprised at the difference fifty cents here and a dollar there can make! What other tips or strategies for cutting your grocery bill would you add to this list? (originally published in 2008) [...]
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Live in San Diego? You Could Make Money With This Side Gig All Year Long

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Live in San Diego? You Could Make Money With This Side Gig All Year Long
So you live in San Diego, the land of beaches, beautiful weather and a bunch of tourist attractions. Have you thought about becoming an Airbnb host? In a region that’s so expensive to live in, home sharing can be a great way to supplement your income. Thousands of Airbnb hosts list places in and around San Diego, according to data from the home sharing platform. “There’s so much to do here — the beaches, the harbor, all the microbreweries. Within one hour from here, you could be in the mountains or the desert,” says JoAnn Jaffe, a 60-year-old Airbnb Superhost. “It’s just a great place to be. There’s always something going on here.” Between the beaches, attractions like SeaWorld San Diego, and annual events like San Diego Beer Week, there’s a demand for space year-round. If you’re curious to see how much money you could make by listing your San Diego space, use the Airbnb calculator: Then, follow our step-by-step guide to set up a listing in the San Diego area. How to Create the Best Airbnb Listing in San Diego Before becoming an Airbnb host, you’ll want to check your local laws and prepare your space for guests. (We’ll get into that later.) Creating a listing itself is simple, but you’ll want to put some thought into it, so your space stands out from all the others. We’ll walk you through the process, plus share some pro tips from Jaffe, a yoga instructor and nonprofit organizer who lists a three-room suite in her historic home near the San Diego Convention Center. She’s been hosting since 2014. Answer Some Quick Questions About Your Space/Amenities In this first part of setting up your listing, you’ll answer some basic questions about your space, which could be anything — an apartment, an extra bedroom or house, a campsite, yurt or even an RV, depending on your local laws. Basic questions in this section include the number of guests your space can accommodate and the included amenities. If you don’t have an entire place, list your spare room. Set the Scene With Photos With Airbnb listings, photos are everything. “Have a good photographer,” stresses Jaffe, whose listing highlights the beauty of her restored historic Victorian home and its remodeled kitchen. The platform offers some basic photo tips, which include utilizing natural light, avoiding flash, and shooting in landscape mode from the corners of rooms, so you add perspective. Think about what makes your space and your location appealing, and illustrate those elements through photos. You might also include photos of the surrounding neighborhood and nearby tourist attractions. If you’re near the beach or the San Diego Zoo or the Gaslamp Quarter, include a picture of that!  Write a Description Once you hook people with your photos, continue to lead them through your listing with the description. Here, you’ll be able to highlight what makes your space unique — in Jaffe’s case, it’s the historic nature of her home and the availability of a three-room suite.  If you’re not sure where to start, take a look at other Airbnb listings in your area to see what other hosts highlight. In San Diego, hosts’ listings often make a point of noting exactly where in San Diego they’re located. So you’ll see titles like “Small Room Gaslamp/SeaWorld” or “RV near Mission Bay.”  After you host several guests, you’ll get to know your audience, so you can lean into that.  Name Your Listing This might seem like a small task, but naming your listing is just as important as nailing your photos. Airbnb urges hosts to create a title that highlights what’s unique about the space. Jaffe’s listing is named “San Diego Historic Victorian Private 3-Room Suite,” which highlights the most appealing things about her property. A three-room suite isn’t always easy to find on Airbnb, and the historic nature of her home appeals to certain travelers. Set House Rules Airbnb has a set list of rules you can opt into if you’d like them included in your listing. A few of these include: suitable for pets, smoking not allowed and whether events or parties are allowed. You also have the option to write in additional rules. Jaffe, for example, prefers to be present when her guests first arrive. “I’ve chosen not to have anyone come here when I’m not here to greet them,” she says.  Set up Your Calendar Taking time to set up your calendar is important, because if you cancel on your guests, Airbnb will charge you a penalty fee. A few questions you’ll answer include: How often do you want to have guests? How much notice do you need before a guest arrives? When can guests check in? How far in advance can guests book? How long can guests stay? You’ll be able to adjust these settings as you go, so you can find out what works best for you. Price Your Space Airbnb has a Smart Pricing tool, which you can opt into to automatically adjust the price of your listing according to demand. For example, when the demand spikes during San Diego Beer Week every November, Airbnb will likely increase the price of your listing automatically. You can set price minimums and maximums, so your listing won’t dip below a certain amount or spike to something unrealistic. Although Airbnb will suggest these amounts when you’re signing up, Jaffe urges new hosts to do their own research. Here are a few tips to help you determine these numbers: Consider your expenses, i.e. utilities, cleaning and any maintenance requirements. Be realistic. Search other Airbnb listings in your area and price just below those. When you’re starting out, you’ll want to price your place lower, so you can get guests in and accumulate reviews, which will help increase bookings in the long run. Note Your Local Laws You’re almost done setting up your listing! Now Airbnb will remind you to familiarize yourself with your local laws. San Diego officials have long debated restricting short-term rentals in the city, but there currently are no clear restrictive rules. In the city of San Diego, you have to get a Transient Occupancy Registration Certificate, which you can do online. You also have to pay a 10.5% tax on your rental income, which Airbnb collects and remits on behalf of hosts. Also Consider… In addition to hosting laws, you’ll also want to check with your homeowners association or landlord to make sure short-term rentals are permitted. Also note that short-term rentals could invalidate some homeowner’s insurance, so check these policies with your provider. Airbnb also includes liability insurance for up to $1 million, but Jaffe suggests setting aside some money for damages.  As you start booking guests, you’ll also want to keep tabs on expenses and revenue for tax purposes. She also reminds hosts to take advantage of tax deductions. Because she has guests staying in her space, she can deduct many charges as business expenses, including utilities, furniture, home improvement, even electronics — basically anything guests will also benefit from or use. Listen to Feedback from Your Guests If there’s anything about your guests’ experience you need to improve, they’ll let you know. All you have to do is listen. “Guests would tell me things, and I would accommodate them,” Jaffe says. “Someone would say, ‘You need a hook for the towels right by the bath,’ or ‘You don’t have enough wine glasses.’ So I went out and bought wine glasses.”  “I didn’t take the comments personally. I used them to inform how I was going to be a good host.” Ready to Give This Whole Hosting Thing a Try? How are you feeling? Like we said, listing your place on Airbnb is simple — but it does require some creativity and strategy. The good news is you can adjust or change your information and settings at any time, so you’re not locked into anything permanently. Jaffe’s favorite part of hosting has been all the interesting people she’s met. “Everyone who comes here has been genu [...]
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Outdoor Photographer Magazine

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Outdoor Photographer Magazine
Here is a great deal for all you photographers out there! Today only, subscribe to Outdoor Photographer Magazine for only $4.99 per year (87% off)! You can order up to 3 years at this price! Just enter coupon code PENNYPINCH The editorial emphasis of this magazine is on the practical use of the cameras in ... Read More about Outdoor Photographer Magazine The post Outdoor Photographer Magazine appeared first on Penny Pinchin' Mom. [...]
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Grocery Shopping in Iceland

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Grocery Shopping in Iceland
Want details on grocery shopping in Iceland? We went to Bonus — a discount grocery store — on our trip to Iceland. Here’s a little peek into our shopping trip and what the prices were. You might also like my post: Grocery Shopping in South Africa. Grocery Shopping in Iceland One of the things I heard over and over again as I researched how to save money when visiting Iceland was that the price of food was really high. So we prepared accordingly by bringing an entire suitcase of packaged food with us (you get a free checked bag per person when you fly internationally). This suitcase of packaged food saved us at least $700 to $1000 in food costs while we were in Iceland because we only ate a few meals out (and we went to really inexpensive places). We also booked an apartment instead of a hotel so we could cook our own food. Shopping at Bonus On the first day we got there, we walked to Bonus — a discount grocery store in Iceland. I had heard that this was one of the best and cheapest grocery stores to shop at there. This store was located in a pretty touristy part of Reykjavík and was a smaller store. It kind of reminded me of a mix of Aldi + the Indian grocery stores I went to. They had a lot of American brands — especially when it came to cereal. And there were a lot of things written in English, too, which made it really helpful when shopping! 🙂 One of the coolest features was that all of the refrigerated items were in a big refrigerated room. (You can see a video of it if you look on my highlights on Instagram stories.) Were the Prices Really High? Well, compared to paying for a meal at a restaurant, it was much cheaper to go buy groceries and make your own food. However, compared to what I am used to paying at a discount grocery store (or by combining coupons with sales), most things were at least 2-3 times the price I would typically pay. Here’s what we ended up buying: 1 dozen eggs Loaf bread Head lettuce Bunch of bananas 3 bottles of Coke (the kids get to drink soda pop once a week on Saturdays and we were there on a Saturday, so you better believe they bought their Coke! ;)) 1 large bottle of water (for my sinus rinse) 12-pack of bottled water (you can drink the tap water in Iceland, so we bought these to just refill throughout the week) 1 carton cream (for my tea) Our total was 2,997 ISK — which is around $24 USD. What We’d Do Differently Next Time Around If you ever head to Iceland, I highly recommend bringing a lot of your own snacks and food. I also would recommend shopping at Bonus. We brought trail mix, nuts, dried fruit and veggies, granola bars, beef jerky, and some protein bites and bars. So we had toast and eggs and bananas for two of our meals and I made salads with the lettuce and topped with a little trail mix and beef jerky. And we ate a lot of jerky and trail mix and dried fruit for snack-y meals. If we did it again, we would definitely bring oatmeal packets and a few other types of things that we can add hot water to in order to make hot food. The kids got pretty tired of cold packaged food after two days! 🙂 [...]
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Free Things to Do in Minneapolis, Minnesota

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Free Things to Do in Minneapolis, Minnesota
Looking for free things to do in Minneapolis, Minnesota? Here are some places our family visited and did on a recent road trip there. Want more free and cheap road trip ideas? Check out my 14-day series on our East Coast Road Trip. Also, check out my post on Free Things to Do in Madison, Wisconsin. Free Things to Do in Minneapolis, Minnesota If you missed yesterday’s post about our impromptu road trip a few weeks ago, check it out here. On Day 2 of our impromptu road trip, we had planned to spend the day in Minneapolis. Many of you had given us suggestions and we were so excited to explore this area. Only, we woke up to cold and rain. So, we came up with Plan B — which involved spending most of the day at the Mall of America. Mall of America We’ve always wanted to visit MOA and we really loved our experience there. Someone commented online about how that was the least frugal place to go and I had to laugh! You see, MOA is only expensive if you actually buy stuff at it! If you just walk around and look at the stores and displays like we did, it’s a completely free thing to do in Minneapolis, Minnesota! Fun fact from their website: “MOA does not use a central heating system; instead, 70 degrees is maintained year-round with passive solar energy from 1.2 miles of skylights and heat generated from lighting, store fixtures and body heat.” Our kids’ favorite stores were the Crayola stores and the LEGO stores. Silas and Kaitlynn decided to use some of their money to buy a Pick a Brick Bucket. We had fun at Five Below — and can you believe I’d never been in that store before? I was definitely impressed. We did end up buying a few cool travel games for the kids for the long car drive home. We also went to the Gucci section at one of the stores and just about fell over when we saw the prices. No offense to anyone who wears Gucci (though I’m guessing if you read here, you likely don’t!), but, to me, the clothes looked like something I would find at an outdated thrift store. Clearly, I’m very hip and up with the times! 😉 But basically, you could buy a decent used car for the same price of most of the clothing items!! BurgerBurger We wanted to get a late lunch, so I got out my phone and searched, “Cheapest places to eat at Mall of America.” One of the places it pulled up was BurgerBurger. We discovered they had a Happy Hour from 3-6 p.m. where you could get $2 off burgers. It was getting close to 3 p.m. at this point, so guess what we did? Of course we waited until 3 p.m.  You had to order from the bar to get the Happy Hour prices, but we asked and they said you could order anything off the menu and did not need to order alcohol to get the Happy Hour prices. The wait was a little long to get our food, but it was worth it because the burgers were truly amazing! IKEA There is an IKEA right across from MOA and none of us had ever been before. So, once the rain let up, we decided to walk over and check it out. Since I’d heard so much about IKEA for so long from many, many people, I think I had set the bar really high for what it was going to be. Unfortunately, I was underwhelmed with it because of my very high expectations. I have been told that this IKEA is small and not as great as other IKEA stores, though. So maybe that was it? The kids had fun pretending to sleep on the beds and I loved looking at the small space setups (I dream of someday living part-time in an RV.) We were all hungry again, so we got some food at IKEA. I’d say that the food was probably the most impressive part! 🙂 We all loved it and the prices were quite good, too. Minnehaha Falls One good thing about the rain? It meant that we got to see Minnehaha Falls when it was raging. And I do mean raging! This was the highlight of the day — and maybe even the trip! If you get a chance to check out Minnehaha Falls, definitely do so — especially if it’s on a day when it has rained! We met a local who told us that the river leading to the Falls was higher than he’d ever seen it. And he told us it was 2 inches lower than the highest it had ever been recorded! This was looking down onto the Falls from the top. I couldn’t believe they didn’t have it fenced off or something! It was rushing at such a ferocious speed it was pretty breath taking and mesmerizing! What are your best tips and suggestions for free things to do in Minneapolis, Minnesota? Let us know in the comments! [...]
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GQ Magazine Subscription Discount Offer

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GQ Magazine Subscription Discount Offer
GQ magazine is a popular title for men across the country.  Find out how you can get a discount on a subscription to GQ Magazine! GQ MAGAZINE SUBSCRIPTION DISCOUNT  Hurry on over and score a discount on GQ Magazine!  Now through 6/28/19 (11:59 pm EST), you can save more than 89% the cover price! Use ... Read More about GQ Magazine Subscription Discount Offer The post GQ Magazine Subscription Discount Offer appeared first on Penny Pinchin' Mom. [...]
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*HOT* Kindle Unlimited Trial: FREE 3-Month Subscription ($29.97 Value!!)

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*HOT* Kindle Unlimited Trial: FREE 3-Month Subscription ($29.97 Value!!)
This post may contain affiliate links. Read my disclosure policy here. If you’ve been wanting to try Kindle Unlimited, don’t miss this FREE 3-month Kindle Unlimited Trial! It’s a great opportunity to get some fantastic reads for summer completely for FREE! If you’ve never tried Kindle Unlimited, you can currently sign up to get a FREE 3-month trial subscription to Kindle Unlimited! Since Kindle Unlimited is usually priced at $9.99 per month, this is a HUGE savings of $29.97! They’ve offered $0.99 trials in the past, but we’ve never seen a completely FREE 3-month Kindle Unlimited trial!! This is a fantastic deal! When you sign up for this deal, you’ll get access to over 700,000 ebooks and thousands of audiobooks — all for FREE! I’m not sure what books are currently available through Kindle Unlimited, but when I took advantage of the $0.99 trial a few months back, you could read Chasing Excellence (the book that inspired me to choose Excellence as my word for 2019) for FREE with your Kindle Unlimited Trial. Another one that was recently available through Kindle Unlimited was The Day the World Came to Town (a book I recently read and absolutely loved!). You’ll have to let me know if it’s still available when you sign up! FREE 3-Month Kindle Unlimited Trial Sign up for a FREE 3-month subscription to Kindle Unlimited. Click on the Kindle Unlimited tab in your Amazon bar to search for available titles (you can search individually or sort by genre). You’ll be able to add up to 10 titles to your Kindle Unlimited account at a time. Once you’ve finished reading a title, just return it and borrow another. You can read or listen to the titles on any device with the free Kindle app. Be sure to cancel your subscription before your 3 month subscription is up, otherwise, you’ll be charged $9.99 per month. Want some other suggestions of great titles to read that you can possibly read for FREE with your Kindle Unlimited Trial? Here are some that were recently available: The Magnolia Story — I read this and loved it. Beneath a Scarlet Sky — This is on my list to read in 2019! Manage Your Day-to-Day — This one had some great inspiration in it. The One Thing — This is a great read for the beginning of the year. How to Manage Your Home Without Losing Your Mind — This one has been highly recommended to me. The Miracle Morning — A good title if you struggle with mornings. Let me know if you’re still seeing these titles available with your Kindle Unlimited Trial. I’d also love to know what other titles you find that you can read for free with Kindle Unlimited! To be honest, I don’t think this service is worth paying $9.99 per month (the usual rate) for. However, I think it’s every bit worth signing up for three FREE months! Even if you only read 2-3 books, it’s totally worth it! Go here to sign up for your FREE 3-month subscription! This deal is valid for new Kindle Unlimited customers only. If you no longer wish to continue with Kindle Unlimited after your first three months, just cancel your subscription before it renews at the full price of $9.99 per month. Valid through July 31, 2019. [...]
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Free Things To Do in Madison, Wisconsin

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Free Things To Do in Madison, Wisconsin